<SEC-DOCUMENT>0001140361-25-018305.txt : 20250512
<SEC-HEADER>0001140361-25-018305.hdr.sgml : 20250512
<ACCEPTANCE-DATETIME>20250512111249
ACCESSION NUMBER:		0001140361-25-018305
CONFORMED SUBMISSION TYPE:	424B3
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20250512
DATE AS OF CHANGE:		20250512

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FLAGSTAR FINANCIAL, INC.
		CENTRAL INDEX KEY:			0000910073
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		ORGANIZATION NAME:           	02 Finance
		EIN:				061377322
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B3
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-280398
		FILM NUMBER:		25933549

	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:	20240311

	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>424B3
<SEQUENCE>1
<FILENAME>ef20048760_424b3.htm
<DESCRIPTION>424B3
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Broadridge Financial Solutions, Inc.
         Document created using Broadridge PROfile 25.3.2.5298
         Copyright 1995 - 2025 Broadridge -->
  </head>
<body bgcolor="#ffffff" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000;">
  <div>
    <hr noshade="noshade" align="center" style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
  <div>
    <div style="text-align: right; font-weight: bold;">Filed Pursuant to Rule 424(b)(3)</div>
    <div style="text-align: right; font-weight: bold;">Registration&#160;No.&#160;333-280398</div>
    <div><br>
    </div>
    <div style="font-weight: bold;">Prospectus Supplement No.&#160;1</div>
    <div style="font-weight: bold;">(to Prospectus dated May 8, 2025)</div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div style="text-align: center;"><img width="333" border="0" height="79" src="flagstar_logo.jpg"></div>
    <div><br>
    </div>
    <div style="text-align: center; font-size: 14pt; font-weight: bold;">Flagstar Financial, Inc.</div>
    <div style="text-align: center; font-size: 14pt; font-weight: bold;"><font style="font-size: 10pt;">&#160; </font><br>
    </div>
    <div>
      <hr noshade="noshade" align="center" style="background-color: #000000; border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; margin: 0px auto; height: 1px; width: 50%; color: #000000; text-align: center;"></div>
    <div><br>
    </div>
    <div style="text-indent: 36pt;">This prospectus supplement amends and supplements the prospectus dated May 8, 2025, as amended or supplemented from time to time (the &#8220;Prospectus&#8221;), which forms a part of our Registration Statement on
      Form&#160;S-1&#160;(No.&#160;333-280398).&#160;This prospectus supplement is being filed to update and supplement the information in the Prospectus with the information contained in our Quarterly Report on Form 10-Q for the quarter ended March 31, 2025,&#160;filed with the
      Securities and Exchange Commission on May 9, 2025 (the &#8220;Form 10-Q&#8221;). Accordingly, we have attached the Form 10-Q to this prospectus supplement.</div>
    <div><br>
    </div>
    <div style="text-indent: 36pt;">The Prospectus and this prospectus supplement relate to the offer and sale from time to time by the selling securityholders listed in the section of the Prospectus entitled &#8220;Selling Securityholders&#8221; of up to (i)
      263,828,622 shares of our common stock, par value $0.01 per share (&#8220;Common Stock&#8221;), and (ii) 314,954&#160;net-settled&#160;warrants (&#8220;Warrants&#8221;). The shares of Common Stock and Warrants are referred to as the &#8220;Securities&#8221; herein.</div>
    <div><br>
    </div>
    <div style="text-indent: 36pt;">This prospectus supplement updates and supplements the information in the Prospectus and is not complete without, and may not be delivered or utilized except in combination with, the Prospectus, including any amendments
      or supplements thereto. This prospectus supplement should be read in conjunction with the Prospectus and if there is any inconsistency between the information in the Prospectus and this prospectus supplement, you should rely on the information in
      this prospectus supplement.</div>
    <div><br>
    </div>
    <div>
      <hr noshade="noshade" align="center" style="background-color: #000000; border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; margin: 0px auto; height: 1px; width: 50%; color: #000000; text-align: center;"></div>
    <div style="text-indent: 36pt; font-style: italic; font-weight: bold;"> <br>
    </div>
    <div style="text-indent: 36pt; font-style: italic; font-weight: bold;">Investing in the Securities involves a high degree of risk. See &#8220;Risk Factors&#8221; beginning on page&#160;11 of the Prospectus.</div>
    <div><br>
    </div>
    <div style="text-indent: 36pt;">Our Common Stock is listed on the New York Stock Exchange (the &#8220;NYSE&#8221;) under the symbol &#8220;FLG.&#8221; On May 8, 2025, the closing price of our Common Stock on the NYSE was $12.12 per share. The Warrants are not listed for
      trading on the NYSE or any other national securities exchange.</div>
    <div><br>
    </div>
    <div style="text-indent: 36pt; font-weight: bold;">Neither the Securities and Exchange Commission nor any other state securities commission has approved or disapproved of the Securities or passed on the adequacy or accuracy of the Prospectus or this
      prospectus supplement. Any representation to the contrary is a criminal offense.</div>
    <div><br>
    </div>
    <div>
      <hr noshade="noshade" align="center" style="background-color: #000000; border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; margin: 0px auto; height: 1px; width: 50%; color: #000000; text-align: center;"></div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">The date of this prospectus supplement is May 9, 2025</div>
  </div>
  <div><br>
  </div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <div>
    <div style="display:none">0000910073FALSE2025Q1December
310.33330.33330.33330.3333http://fasb.org/us-gaap/2024#OtherAssetshttp://fasb.org/us-gaap/2024#OtherAssetshttp://fasb.org/us-gaap/2024#OtherAssetshttp://fasb.org/us-gaap/2024#OtherAssetshttp://fasb.org/us-gaap/2024#OtherAssetshttp://fasb.org/us-gaap/2024#OtherAssetshttp://fasb.org/us-gaap/2024#OperatingLeaseLiabilityhttp://fasb.org/us-gaap/2024#OperatingLeaseLiabilityP1Y0.0251xbrli:sharesiso4217:USDiso4217:USDxbrli:sharesxbrli:purefbc:locationfbc:statefbc:securityfbc:entityfbc:segment00009100732025-01-012025-03-310000910073us-gaap:CommonStockMember2025-01-012025-03-310000910073fbc:BifurcatedOptionNoteUnitSecuritiesMember2025-01-012025-03-310000910073fbc:FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember2025-01-012025-03-3100009100732025-04-3000009100732025-03-3100009100732024-12-3100009100732024-01-012024-03-3100009100732024-07-112024-07-1100009100732024-03-3100009100732023-12-310000910073us-gaap:PreferredStockMember2024-12-310000910073us-gaap:CommonStockMember2024-12-310000910073us-gaap:AdditionalPaidInCapitalMember2024-12-310000910073us-gaap:RetainedEarningsMember2024-12-310000910073us-gaap:TreasuryStockCommonMember2024-12-310000910073us-gaap:AccumulatedOtherComprehensiveIncomeMember2024-12-310000910073us-gaap:AdditionalPaidInCapitalMember2025-01-012025-03-310000910073us-gaap:TreasuryStockCommonMember2025-01-012025-03-310000910073us-gaap:RetainedEarningsMember2025-01-012025-03-310000910073us-gaap:SeriesAPreferredStockMember2025-01-012025-03-310000910073us-gaap:SeriesBPreferredStockMember2025-01-012025-03-310000910073us-gaap:AccumulatedOtherComprehensiveIncomeMember2025-01-012025-03-310000910073us-gaap:PreferredStockMember2025-03-310000910073us-gaap:CommonStockMember2025-03-310000910073us-gaap:AdditionalPaidInCapitalMember2025-03-310000910073us-gaap:RetainedEarningsMember2025-03-310000910073us-gaap:TreasuryStockCommonMember2025-03-310000910073us-gaap:AccumulatedOtherComprehensiveIncomeMember2025-03-310000910073us-gaap:PreferredStockMember2023-12-310000910073us-gaap:CommonStockMember2023-12-310000910073us-gaap:AdditionalPaidInCapitalMember2023-12-310000910073us-gaap:RetainedEarningsMember2023-12-310000910073us-gaap:TreasuryStockCommonMember2023-12-310000910073us-gaap:AccumulatedOtherComprehensiveIncomeMember2023-12-310000910073fbc:NoncumulativeConvertiblePreferredStockSeriesBMember2024-01-012024-03-310000910073fbc:NoncumulativeConvertiblePreferredStockSeriesCMember2024-01-012024-03-310000910073us-gaap:SeriesCPreferredStockMember2024-01-012024-03-310000910073us-gaap:AdditionalPaidInCapitalMemberus-gaap:SeriesCPreferredStockMember2024-01-012024-03-310000910073us-gaap:CommonStockMember2024-01-012024-03-310000910073us-gaap:AdditionalPaidInCapitalMember2024-01-012024-03-310000910073us-gaap:TreasuryStockCommonMember2024-01-012024-03-310000910073us-gaap:RetainedEarningsMember2024-01-012024-03-310000910073us-gaap:AccumulatedOtherComprehensiveIncomeMember2024-01-012024-03-310000910073us-gaap:PreferredStockMember2024-03-310000910073us-gaap:CommonStockMember2024-03-310000910073us-gaap:AdditionalPaidInCapitalMember2024-03-310000910073us-gaap:RetainedEarningsMember2024-03-310000910073us-gaap:TreasuryStockCommonMember2024-03-310000910073us-gaap:AccumulatedOtherComprehensiveIncomeMember2024-03-310000910073us-gaap:RestrictedStockUnitsRSUMember2025-01-012025-03-310000910073us-gaap:RestrictedStockUnitsRSUMember2024-01-012024-03-3100009100732024-06-272024-06-270000910073us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2024-12-310000910073us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2024-12-310000910073us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2024-12-310000910073us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2025-01-012025-03-310000910073us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2025-01-012025-03-310000910073us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2025-01-012025-03-310000910073us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2025-03-310000910073us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2025-03-310000910073us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2025-03-310000910073us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2023-12-310000910073us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2023-12-310000910073us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2023-12-310000910073us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2024-01-012024-03-310000910073us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2024-01-012024-03-310000910073us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2024-01-012024-03-310000910073us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2024-03-310000910073us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2024-03-310000910073us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2024-03-310000910073us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMemberus-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember2025-01-012025-03-310000910073us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMemberus-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember2024-01-012024-03-310000910073us-gaap:AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMemberus-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember2025-01-012025-03-310000910073us-gaap:AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMemberus-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember2024-01-012024-03-310000910073us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMemberus-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember2025-01-012025-03-310000910073us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMemberus-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember2024-01-012024-03-310000910073us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember2025-01-012025-03-310000910073us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember2024-01-012024-03-310000910073us-gaap:CollateralizedMortgageObligationsMember2025-03-310000910073us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2025-03-310000910073us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2025-03-310000910073us-gaap:MortgageBackedSecuritiesMember2025-03-310000910073us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember2025-03-310000910073us-gaap:USTreasurySecuritiesMember2025-03-310000910073us-gaap:CorporateBondSecuritiesMember2025-03-310000910073us-gaap:AssetBackedSecuritiesMember2025-03-310000910073us-gaap:CorporateNoteSecuritiesMember2025-03-310000910073fbc:ForeignNotesMember2025-03-310000910073us-gaap:MunicipalBondsMember2025-03-310000910073us-gaap:DebtSecuritiesMember2025-03-310000910073us-gaap:CollateralizedMortgageObligationsMember2024-12-310000910073us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2024-12-310000910073us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2024-12-310000910073us-gaap:MortgageBackedSecuritiesMember2024-12-310000910073us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember2024-12-310000910073us-gaap:CorporateBondSecuritiesMember2024-12-310000910073us-gaap:AssetBackedSecuritiesMember2024-12-310000910073us-gaap:CorporateNoteSecuritiesMember2024-12-310000910073fbc:ForeignNotesMember2024-12-310000910073us-gaap:MunicipalBondsMember2024-12-310000910073us-gaap:DebtSecuritiesMember2024-12-310000910073srt:FederalHomeLoanBankOfNewYorkMember2025-03-310000910073srt:FederalHomeLoanBankOfIndianapolisMember2025-03-310000910073srt:FederalHomeLoanBankOfNewYorkMember2024-12-310000910073srt:FederalHomeLoanBankOfIndianapolisMember2024-12-310000910073us-gaap:USTreasuryAndGovernmentMember2025-03-310000910073fbc:CorporateAndOtherBondsSecuritiesMember2025-03-310000910073us-gaap:DebtSecuritiesMemberus-gaap:CollateralizedMortgageObligationsMember2025-03-310000910073us-gaap:DebtSecuritiesMemberus-gaap:USTreasuryAndGovernmentMember2025-03-310000910073us-gaap:DebtSecuritiesMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2025-03-310000910073us-gaap:DebtSecuritiesMemberus-gaap:USTreasurySecuritiesMember2025-03-310000910073us-gaap:DebtSecuritiesMemberus-gaap:CorporateBondSecuritiesMember2025-03-310000910073us-gaap:DebtSecuritiesMemberus-gaap:AssetBackedSecuritiesMember2025-03-310000910073us-gaap:DebtSecuritiesMemberus-gaap:CorporateNoteSecuritiesMember2025-03-310000910073us-gaap:DebtSecuritiesMemberfbc:PrivateLabelCMOsMember2025-03-310000910073us-gaap:DebtSecuritiesMemberfbc:ForeignNotesMember2025-03-310000910073us-gaap:DebtSecuritiesMemberus-gaap:MunicipalBondsMember2025-03-310000910073us-gaap:DebtSecuritiesMemberus-gaap:CollateralizedMortgageObligationsMember2024-12-310000910073us-gaap:DebtSecuritiesMemberus-gaap:USTreasuryAndGovernmentMember2024-12-310000910073us-gaap:DebtSecuritiesMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2024-12-310000910073us-gaap:DebtSecuritiesMemberus-gaap:CorporateBondSecuritiesMember2024-12-310000910073us-gaap:DebtSecuritiesMemberus-gaap:AssetBackedSecuritiesMember2024-12-310000910073us-gaap:DebtSecuritiesMemberus-gaap:CorporateNoteSecuritiesMember2024-12-310000910073us-gaap:DebtSecuritiesMemberfbc:PrivateLabelCMOsMember2024-12-310000910073us-gaap:DebtSecuritiesMemberfbc:ForeignNotesMember2024-12-310000910073us-gaap:DebtSecuritiesMemberus-gaap:MunicipalBondsMember2024-12-310000910073fbc:MultiFamilyLoanMemberfbc:MortgageLoansHeldForInvestmentMember2025-03-310000910073fbc:MultiFamilyLoanMemberfbc:MortgageLoansHeldForInvestmentMember2024-12-310000910073fbc:CommercialRealEstateLoansMemberfbc:MortgageLoansHeldForInvestmentMember2025-03-310000910073fbc:CommercialRealEstateLoansMemberfbc:MortgageLoansHeldForInvestmentMember2024-12-310000910073fbc:OneToFourFamilyFirstMortgageLoanMemberfbc:MortgageLoansHeldForInvestmentMember2025-03-310000910073fbc:OneToFourFamilyFirstMortgageLoanMemberfbc:MortgageLoansHeldForInvestmentMember2024-12-310000910073fbc:CommercialAndIndustrialLoansMemberfbc:OtherLoansHeldForInvestmentMember2025-03-310000910073fbc:CommercialAndIndustrialLoansMemberfbc:OtherLoansHeldForInvestmentMember2024-12-310000910073fbc:LeaseFinancingLoansMemberfbc:OtherLoansHeldForInvestmentMember2025-03-310000910073fbc:LeaseFinancingLoansMemberfbc:OtherLoansHeldForInvestmentMember2024-12-310000910073fbc:OtherLoanCommitmentsMemberfbc:OtherLoansHeldForInvestmentMember2025-03-310000910073fbc:OtherLoanCommitmentsMemberfbc:OtherLoansHeldForInvestmentMember2024-12-310000910073fbc:CommercialAndIndustrialLoansMemberfbc:MortgageLoansHeldForInvestmentMember2025-03-310000910073fbc:CommercialAndIndustrialLoansMemberfbc:MortgageLoansHeldForInvestmentMember2024-12-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:MultiFamilyLoanMemberfbc:FinancialAsset30To89DaysPastDueMember2025-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:MultiFamilyLoanMemberus-gaap:FinancialAssetNotPastDueMember2025-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:CommercialRealEstateLoansMemberfbc:FinancialAsset30To89DaysPastDueMember2025-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:CommercialRealEstateLoansMemberus-gaap:FinancialAssetNotPastDueMember2025-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:OneToFourFamilyFirstMortgageLoanMemberfbc:FinancialAsset30To89DaysPastDueMember2025-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:OneToFourFamilyFirstMortgageLoanMemberus-gaap:FinancialAssetNotPastDueMember2025-03-310000910073fbc:OtherLoansHeldForInvestmentMemberfbc:CommercialAndIndustrialLoanAndLeaseFinancingMemberfbc:FinancialAsset30To89DaysPastDueMember2025-03-310000910073fbc:CommercialAndIndustrialLoanAndLeaseFinancingMemberfbc:OtherLoansHeldForInvestmentMember2025-03-310000910073fbc:OtherLoansHeldForInvestmentMemberfbc:CommercialAndIndustrialLoanAndLeaseFinancingMemberus-gaap:FinancialAssetNotPastDueMember2025-03-310000910073fbc:OtherLoansHeldForInvestmentMemberfbc:OtherLoanCommitmentsMemberfbc:FinancialAsset30To89DaysPastDueMember2025-03-310000910073fbc:OtherLoansHeldForInvestmentMemberfbc:OtherLoanCommitmentsMemberus-gaap:FinancialAssetNotPastDueMember2025-03-310000910073fbc:FinancialAsset30To89DaysPastDueMember2025-03-310000910073us-gaap:FinancialAssetNotPastDueMember2025-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:MultiFamilyLoanMemberfbc:FinancialAsset30To89DaysPastDueMember2024-12-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:MultiFamilyLoanMemberus-gaap:FinancialAssetNotPastDueMember2024-12-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:CommercialRealEstateLoansMemberfbc:FinancialAsset30To89DaysPastDueMember2024-12-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:CommercialRealEstateLoansMemberus-gaap:FinancialAssetNotPastDueMember2024-12-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:OneToFourFamilyFirstMortgageLoanMemberfbc:FinancialAsset30To89DaysPastDueMember2024-12-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:OneToFourFamilyFirstMortgageLoanMemberus-gaap:FinancialAssetNotPastDueMember2024-12-310000910073fbc:OtherLoansHeldForInvestmentMemberfbc:CommercialAndIndustrialLoanAndLeaseFinancingMemberfbc:FinancialAsset30To89DaysPastDueMember2024-12-310000910073fbc:CommercialAndIndustrialLoanAndLeaseFinancingMemberfbc:OtherLoansHeldForInvestmentMember2024-12-310000910073fbc:OtherLoansHeldForInvestmentMemberfbc:CommercialAndIndustrialLoanAndLeaseFinancingMemberus-gaap:FinancialAssetNotPastDueMember2024-12-310000910073fbc:OtherLoansHeldForInvestmentMemberfbc:OtherLoanCommitmentsMemberfbc:FinancialAsset30To89DaysPastDueMember2024-12-310000910073fbc:OtherLoansHeldForInvestmentMemberfbc:OtherLoanCommitmentsMemberus-gaap:FinancialAssetNotPastDueMember2024-12-310000910073fbc:FinancialAsset30To89DaysPastDueMember2024-12-310000910073us-gaap:FinancialAssetNotPastDueMember2024-12-310000910073fbc:MortgageLoansHeldForInvestmentMemberus-gaap:PassMemberfbc:MultiFamilyLoanMember2025-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberus-gaap:SpecialMentionMemberfbc:MultiFamilyLoanMember2025-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberus-gaap:SubstandardMemberfbc:MultiFamilyLoanMember2025-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:NonAccrualMemberfbc:MultiFamilyLoanMember2025-03-310000910073fbc:MultiFamilyLoanMemberfbc:MortgageLoansHeldForInvestmentMember2025-01-012025-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberus-gaap:PassMemberfbc:CommercialRealEstateLoansMember2025-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberus-gaap:SpecialMentionMemberfbc:CommercialRealEstateLoansMember2025-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberus-gaap:SubstandardMemberfbc:CommercialRealEstateLoansMember2025-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:NonAccrualMemberfbc:CommercialRealEstateLoansMember2025-03-310000910073fbc:CommercialRealEstateLoansMemberfbc:MortgageLoansHeldForInvestmentMember2025-01-012025-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberus-gaap:PassMemberfbc:OneToFourFamilyFirstMortgageLoanMember2025-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberus-gaap:SubstandardMemberfbc:OneToFourFamilyFirstMortgageLoanMember2025-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:NonAccrualMemberfbc:OneToFourFamilyFirstMortgageLoanMember2025-03-310000910073fbc:OneToFourFamilyFirstMortgageLoanMemberfbc:MortgageLoansHeldForInvestmentMember2025-01-012025-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberus-gaap:PassMemberfbc:CommercialAndIndustrialLoansMember2025-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberus-gaap:SpecialMentionMemberfbc:CommercialAndIndustrialLoansMember2025-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberus-gaap:SubstandardMemberfbc:CommercialAndIndustrialLoansMember2025-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:NonAccrualMemberfbc:CommercialAndIndustrialLoansMember2025-03-310000910073fbc:CommercialAndIndustrialLoansMemberfbc:MortgageLoansHeldForInvestmentMember2025-01-012025-03-310000910073fbc:OtherLoansHeldForInvestmentMemberus-gaap:PassMemberfbc:OtherLoansMember2025-03-310000910073fbc:OtherLoansHeldForInvestmentMemberus-gaap:SpecialMentionMemberfbc:OtherLoansMember2025-03-310000910073fbc:OtherLoansHeldForInvestmentMemberus-gaap:SubstandardMemberfbc:OtherLoansMember2025-03-310000910073fbc:OtherLoansHeldForInvestmentMemberfbc:NonAccrualMemberfbc:OtherLoansMember2025-03-310000910073fbc:OtherLoansMemberfbc:OtherLoansHeldForInvestmentMember2025-03-310000910073fbc:OtherLoansMemberfbc:OtherLoansHeldForInvestmentMember2025-01-012025-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberus-gaap:PassMemberfbc:MultiFamilyLoanMember2024-12-310000910073fbc:MortgageLoansHeldForInvestmentMemberus-gaap:SpecialMentionMemberfbc:MultiFamilyLoanMember2024-12-310000910073fbc:MortgageLoansHeldForInvestmentMemberus-gaap:SubstandardMemberfbc:MultiFamilyLoanMember2024-12-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:NonAccrualMemberfbc:MultiFamilyLoanMember2024-12-310000910073fbc:MultiFamilyLoanMemberfbc:MortgageLoansHeldForInvestmentMember2024-01-012024-12-310000910073fbc:MortgageLoansHeldForInvestmentMemberus-gaap:PassMemberfbc:CommercialRealEstateLoansMember2024-12-310000910073fbc:MortgageLoansHeldForInvestmentMemberus-gaap:SpecialMentionMemberfbc:CommercialRealEstateLoansMember2024-12-310000910073fbc:MortgageLoansHeldForInvestmentMemberus-gaap:SubstandardMemberfbc:CommercialRealEstateLoansMember2024-12-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:NonAccrualMemberfbc:CommercialRealEstateLoansMember2024-12-310000910073fbc:CommercialRealEstateLoansMemberfbc:MortgageLoansHeldForInvestmentMember2024-01-012024-12-310000910073fbc:MortgageLoansHeldForInvestmentMemberus-gaap:PassMemberfbc:OneToFourFamilyFirstMortgageLoanMember2024-12-310000910073fbc:MortgageLoansHeldForInvestmentMemberus-gaap:SubstandardMemberfbc:OneToFourFamilyFirstMortgageLoanMember2024-12-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:NonAccrualMemberfbc:OneToFourFamilyFirstMortgageLoanMember2024-12-310000910073fbc:OneToFourFamilyFirstMortgageLoanMemberfbc:MortgageLoansHeldForInvestmentMember2024-01-012024-12-310000910073fbc:MortgageLoansHeldForInvestmentMemberus-gaap:PassMemberfbc:CommercialAndIndustrialLoansMember2024-12-310000910073fbc:MortgageLoansHeldForInvestmentMemberus-gaap:SpecialMentionMemberfbc:CommercialAndIndustrialLoansMember2024-12-310000910073fbc:MortgageLoansHeldForInvestmentMemberus-gaap:SubstandardMemberfbc:CommercialAndIndustrialLoansMember2024-12-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:NonAccrualMemberfbc:CommercialAndIndustrialLoansMember2024-12-310000910073fbc:CommercialAndIndustrialLoansMemberfbc:MortgageLoansHeldForInvestmentMember2024-01-012024-12-310000910073fbc:OtherLoansHeldForInvestmentMemberus-gaap:PassMemberfbc:OtherLoansMember2024-12-310000910073fbc:OtherLoansHeldForInvestmentMemberus-gaap:SpecialMentionMemberfbc:OtherLoansMember2024-12-310000910073fbc:OtherLoansHeldForInvestmentMemberfbc:NonAccrualMemberfbc:OtherLoansMember2024-12-310000910073fbc:OtherLoansMemberfbc:OtherLoansHeldForInvestmentMember2024-12-310000910073fbc:OtherLoansMemberfbc:OtherLoansHeldForInvestmentMember2024-01-012024-12-310000910073us-gaap:AssetPledgedAsCollateralMemberfbc:MortgageLoansHeldForInvestmentMemberfbc:MultiFamilyLoanMemberfbc:RealPropertyCollateralMember2025-03-310000910073us-gaap:AssetPledgedAsCollateralMemberfbc:MortgageLoansHeldForInvestmentMemberfbc:CommercialRealEstateLoansMemberfbc:RealPropertyCollateralMember2025-03-310000910073us-gaap:AssetPledgedAsCollateralMemberfbc:MortgageLoansHeldForInvestmentMemberfbc:OneToFourFamilyFirstMortgageLoanMemberfbc:RealPropertyCollateralMember2025-03-310000910073us-gaap:AssetPledgedAsCollateralMemberfbc:OtherLoansHeldForInvestmentMemberfbc:CommercialAndIndustrialLoansMemberfbc:RealPropertyCollateralMember2025-03-310000910073us-gaap:AssetPledgedAsCollateralMemberfbc:RealPropertyCollateralMember2025-03-310000910073us-gaap:ContractualInterestRateReductionMemberfbc:MortgageLoansHeldForInvestmentMemberfbc:CommercialRealEstateLoansMembersrt:MinimumMember2025-01-012025-03-310000910073us-gaap:ContractualInterestRateReductionMemberfbc:MortgageLoansHeldForInvestmentMemberfbc:CommercialRealEstateLoansMembersrt:MaximumMember2025-01-012025-03-310000910073us-gaap:ExtendedMaturityMemberfbc:MortgageLoansHeldForInvestmentMemberfbc:CommercialRealEstateLoansMember2025-01-012025-03-310000910073us-gaap:ContractualInterestRateReductionMemberfbc:MortgageLoansHeldForInvestmentMemberfbc:OneToFourFamilyFirstMortgageLoanMembersrt:MinimumMember2025-01-012025-03-310000910073us-gaap:ContractualInterestRateReductionMemberfbc:MortgageLoansHeldForInvestmentMemberfbc:OneToFourFamilyFirstMortgageLoanMembersrt:MaximumMember2025-01-012025-03-310000910073us-gaap:ExtendedMaturityMemberfbc:MortgageLoansHeldForInvestmentMemberfbc:OneToFourFamilyFirstMortgageLoanMember2025-01-012025-03-310000910073us-gaap:ContractualInterestRateReductionMemberfbc:MortgageLoansHeldForInvestmentMemberus-gaap:ConsumerLoanMembersrt:MinimumMember2025-01-012025-03-310000910073us-gaap:ContractualInterestRateReductionMemberfbc:MortgageLoansHeldForInvestmentMemberus-gaap:ConsumerLoanMembersrt:MaximumMember2025-01-012025-03-310000910073us-gaap:ContractualInterestRateReductionMemberfbc:MortgageLoansHeldForInvestmentMemberfbc:MultiFamilyLoanMembersrt:MinimumMember2024-01-012024-03-310000910073us-gaap:ContractualInterestRateReductionMemberfbc:MortgageLoansHeldForInvestmentMemberfbc:MultiFamilyLoanMembersrt:MaximumMember2024-01-012024-03-310000910073us-gaap:ContractualInterestRateReductionMemberfbc:MortgageLoansHeldForInvestmentMemberfbc:CommercialRealEstateLoansMembersrt:MinimumMember2024-01-012024-03-310000910073us-gaap:ContractualInterestRateReductionMemberfbc:MortgageLoansHeldForInvestmentMemberfbc:CommercialRealEstateLoansMembersrt:MaximumMember2024-01-012024-03-310000910073us-gaap:ContractualInterestRateReductionMemberfbc:MortgageLoansHeldForInvestmentMemberfbc:OneToFourFamilyFirstMortgageLoanMembersrt:MinimumMember2024-01-012024-03-310000910073us-gaap:ContractualInterestRateReductionMemberfbc:MortgageLoansHeldForInvestmentMemberfbc:OneToFourFamilyFirstMortgageLoanMembersrt:MaximumMember2024-01-012024-03-310000910073us-gaap:ExtendedMaturityMemberfbc:MortgageLoansHeldForInvestmentMemberfbc:OneToFourFamilyFirstMortgageLoanMember2024-01-012024-03-310000910073us-gaap:ContractualInterestRateReductionMemberfbc:MortgageLoansHeldForInvestmentMemberfbc:CommercialAndIndustrialLoansMembersrt:MinimumMember2024-01-012024-03-310000910073us-gaap:ContractualInterestRateReductionMemberfbc:MortgageLoansHeldForInvestmentMemberfbc:CommercialAndIndustrialLoansMembersrt:MaximumMember2024-01-012024-03-310000910073us-gaap:ExtendedMaturityMemberfbc:MortgageLoansHeldForInvestmentMemberfbc:CommercialAndIndustrialLoansMember2024-01-012024-03-310000910073us-gaap:ContractualInterestRateReductionMemberfbc:MortgageLoansHeldForInvestmentMemberus-gaap:ConsumerLoanMembersrt:MinimumMember2024-01-012024-03-310000910073us-gaap:ContractualInterestRateReductionMemberfbc:MortgageLoansHeldForInvestmentMemberus-gaap:ConsumerLoanMembersrt:MaximumMember2024-01-012024-03-310000910073us-gaap:ExtendedMaturityMemberfbc:MortgageLoansHeldForInvestmentMemberus-gaap:ConsumerLoanMember2024-01-012024-03-310000910073us-gaap:PrincipalForgivenessMemberfbc:MortgageLoansHeldForInvestmentMemberfbc:CommercialRealEstateLoansMember2025-01-012025-03-310000910073us-gaap:ExtendedMaturityAndInterestRateReductionMemberfbc:MortgageLoansHeldForInvestmentMemberfbc:CommercialRealEstateLoansMember2025-01-012025-03-310000910073us-gaap:PrincipalForgivenessMemberfbc:MortgageLoansHeldForInvestmentMemberfbc:OneToFourFamilyFirstMortgageLoanMember2025-01-012025-03-310000910073us-gaap:ExtendedMaturityAndInterestRateReductionMemberfbc:MortgageLoansHeldForInvestmentMemberfbc:OneToFourFamilyFirstMortgageLoanMember2025-01-012025-03-310000910073us-gaap:ExtendedMaturityMember2025-01-012025-03-310000910073us-gaap:PrincipalForgivenessMember2025-01-012025-03-310000910073us-gaap:ExtendedMaturityAndInterestRateReductionMember2025-01-012025-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:CommercialRealEstateLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:OneToFourFamilyFirstMortgageLoanMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-03-310000910073fbc:OtherLoansHeldForInvestmentMemberfbc:CommercialAndIndustrialLoansMemberus-gaap:FinancialAssetNotPastDueMember2025-03-310000910073fbc:OtherLoansHeldForInvestmentMemberfbc:CommercialAndIndustrialLoansMemberfbc:FinancialAsset30To89DaysPastDueMember2025-03-310000910073fbc:OtherLoansHeldForInvestmentMemberfbc:CommercialAndIndustrialLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-03-310000910073us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:MultiFamilyLoanMemberus-gaap:FinancialAssetNotPastDueMember2024-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:MultiFamilyLoanMemberfbc:FinancialAsset30To89DaysPastDueMember2024-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:MultiFamilyLoanMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-03-310000910073fbc:MultiFamilyLoanMemberfbc:MortgageLoansHeldForInvestmentMember2024-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:CommercialRealEstateLoansMemberus-gaap:FinancialAssetNotPastDueMember2024-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:CommercialRealEstateLoansMemberfbc:FinancialAsset30To89DaysPastDueMember2024-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:CommercialRealEstateLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-03-310000910073fbc:CommercialRealEstateLoansMemberfbc:MortgageLoansHeldForInvestmentMember2024-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:OneToFourFamilyFirstMortgageLoanMemberus-gaap:FinancialAssetNotPastDueMember2024-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:OneToFourFamilyFirstMortgageLoanMemberfbc:FinancialAsset30To89DaysPastDueMember2024-03-310000910073fbc:MortgageLoansHeldForInvestmentMemberfbc:OneToFourFamilyFirstMortgageLoanMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-03-310000910073fbc:OneToFourFamilyFirstMortgageLoanMemberfbc:MortgageLoansHeldForInvestmentMember2024-03-310000910073fbc:OtherLoansHeldForInvestmentMemberfbc:CommercialAndIndustrialLoansMemberus-gaap:FinancialAssetNotPastDueMember2024-03-310000910073fbc:OtherLoansHeldForInvestmentMemberfbc:CommercialAndIndustrialLoansMemberfbc:FinancialAsset30To89DaysPastDueMember2024-03-310000910073fbc:OtherLoansHeldForInvestmentMemberfbc:CommercialAndIndustrialLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-03-310000910073fbc:CommercialAndIndustrialLoansMemberfbc:OtherLoansHeldForInvestmentMember2024-03-310000910073fbc:OtherLoansHeldForInvestmentMemberus-gaap:ConsumerLoanMemberus-gaap:FinancialAssetNotPastDueMember2024-03-310000910073fbc:OtherLoansHeldForInvestmentMemberus-gaap:ConsumerLoanMemberfbc:FinancialAsset30To89DaysPastDueMember2024-03-310000910073fbc:OtherLoansHeldForInvestmentMemberus-gaap:ConsumerLoanMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-03-310000910073us-gaap:ConsumerLoanMemberfbc:OtherLoansHeldForInvestmentMember2024-03-310000910073us-gaap:FinancialAssetNotPastDueMember2024-03-310000910073fbc:FinancialAsset30To89DaysPastDueMember2024-03-310000910073us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-03-310000910073fbc:OtherLoansHeldForInvestmentMember2024-12-310000910073fbc:CommercialAndIndustrialLoansMemberfbc:OtherLoansHeldForInvestmentMember2025-01-012025-03-310000910073fbc:OtherLoansHeldForInvestmentMember2025-01-012025-03-310000910073fbc:OtherLoansHeldForInvestmentMember2025-03-310000910073fbc:MultiFamilyLoanMemberfbc:MortgageLoansHeldForInvestmentMember2023-12-310000910073fbc:CommercialRealEstateLoansMemberfbc:MortgageLoansHeldForInvestmentMember2023-12-310000910073fbc:OneToFourFamilyFirstMortgageLoanMemberfbc:MortgageLoansHeldForInvestmentMember2023-12-310000910073fbc:CommercialAndIndustrialLoansMemberfbc:OtherLoansHeldForInvestmentMember2023-12-310000910073fbc:OtherLoansHeldForInvestmentMember2023-12-310000910073fbc:MultiFamilyLoanMemberfbc:MortgageLoansHeldForInvestmentMember2024-01-012024-03-310000910073fbc:CommercialRealEstateLoansMemberfbc:MortgageLoansHeldForInvestmentMember2024-01-012024-03-310000910073fbc:OneToFourFamilyFirstMortgageLoanMemberfbc:MortgageLoansHeldForInvestmentMember2024-01-012024-03-310000910073fbc:CommercialAndIndustrialLoansMemberfbc:OtherLoansHeldForInvestmentMember2024-01-012024-03-310000910073fbc:OtherLoansHeldForInvestmentMember2024-01-012024-03-310000910073fbc:OtherLoansHeldForInvestmentMember2024-03-310000910073us-gaap:UnfundedLoanCommitmentMember2025-03-310000910073us-gaap:UnfundedLoanCommitmentMember2024-12-310000910073srt:MinimumMember2025-03-310000910073srt:MaximumMember2025-03-310000910073us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember2025-01-012025-03-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2025-03-310000910073us-gaap:FederalHomeLoanBankAdvancesMember2025-03-310000910073us-gaap:FederalHomeLoanBankAdvancesMember2024-12-310000910073us-gaap:FederalReserveBankAdvancesMember2025-03-310000910073us-gaap:FederalReserveBankAdvancesMember2024-12-310000910073fbc:FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember2025-03-310000910073fbc:FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember2024-12-310000910073us-gaap:JuniorSubordinatedDebtMember2025-03-310000910073us-gaap:JuniorSubordinatedDebtMember2024-12-310000910073us-gaap:SubordinatedDebtMember2025-03-310000910073us-gaap:SubordinatedDebtMember2024-12-310000910073us-gaap:SubsequentEventMember2025-04-150000910073srt:ScenarioPreviouslyReportedMember2025-03-310000910073srt:ScenarioPreviouslyReportedMember2024-12-310000910073fbc:NewYorkCommunityCapitalTrustVBONUSESUnitsMember2025-03-310000910073fbc:NewYorkCommunityCapitalTrustXMember2025-03-310000910073fbc:PennFedCapitalTrustIIIMember2025-03-310000910073fbc:NewYorkCommunityCapitalTrustXIMember2025-03-310000910073fbc:FlagstarStatutoryTrustIIMember2025-03-310000910073fbc:FlagstarStatutoryTrustIIIMember2025-03-310000910073fbc:FlagstarStatutoryTrustIVMember2025-03-310000910073fbc:FlagstarStatutoryTrustVMember2025-03-310000910073fbc:FlagstarStatutoryTrustVIMember2025-03-310000910073fbc:FlagstarStatutoryTrustVIIMember2025-03-310000910073fbc:FlagstarStatutoryTrustVIIIMember2025-03-310000910073fbc:FlagstarStatutoryTrustIXMember2025-03-310000910073fbc:FlagstarStatutoryTrustXMember2025-03-310000910073fbc:FlagstarBancorpMember2025-01-012025-03-310000910073fbc:SubordinatedNotesMaturingIn2028Memberus-gaap:SubordinatedDebtMember2025-03-310000910073fbc:SubordinatedNotesMaturingIn2030Memberus-gaap:SubordinatedDebtMember2025-03-310000910073fbc:SubordinatedNotesMaturingIn2028Memberus-gaap:SubordinatedDebtMember2023-11-060000910073fbc:SubordinatedNotesMaturingIn2028Memberus-gaap:SubordinatedDebtMember2025-01-012025-03-310000910073us-gaap:RestrictedStockUnitsRSUMembersrt:MinimumMember2025-01-012025-03-310000910073us-gaap:RestrictedStockUnitsRSUMembersrt:MaximumMember2025-01-012025-03-310000910073us-gaap:RestrictedStockUnitsRSUMember2024-12-310000910073us-gaap:RestrictedStockUnitsRSUMember2025-03-310000910073us-gaap:EmployeeStockOptionMember2025-01-012025-03-310000910073fbc:InterestRateSwapsFHLBAdvancesMemberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2025-03-310000910073us-gaap:AvailableforsaleSecuritiesMember2025-03-310000910073us-gaap:AvailableforsaleSecuritiesMember2024-12-310000910073fbc:LoansAndLeasesMember2025-03-310000910073fbc:LoansAndLeasesMember2024-12-310000910073us-gaap:InterestRateSwapMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:OtherAssetsMember2025-03-310000910073us-gaap:InterestRateSwapMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:OtherLiabilitiesMember2025-03-310000910073us-gaap:InterestRateLockCommitmentsMemberus-gaap:NondesignatedMemberus-gaap:OtherAssetsMember2025-03-310000910073us-gaap:InterestRateLockCommitmentsMemberus-gaap:NondesignatedMemberus-gaap:OtherLiabilitiesMember2025-03-310000910073us-gaap:MortgageBackedSecuritiesOtherMemberus-gaap:NondesignatedMemberus-gaap:OtherAssetsMember2025-03-310000910073us-gaap:MortgageBackedSecuritiesOtherMemberus-gaap:NondesignatedMemberus-gaap:OtherLiabilitiesMember2025-03-310000910073us-gaap:InterestRateSwapMemberus-gaap:NondesignatedMemberus-gaap:OtherAssetsMember2025-03-310000910073us-gaap:InterestRateSwapMemberus-gaap:NondesignatedMemberus-gaap:OtherLiabilitiesMember2025-03-310000910073us-gaap:InterestRateLockCommitmentsMemberus-gaap:NondesignatedMemberus-gaap:OtherAssetsMember2024-12-310000910073us-gaap:InterestRateLockCommitmentsMemberus-gaap:NondesignatedMemberus-gaap:OtherLiabilitiesMember2024-12-310000910073us-gaap:MortgageBackedSecuritiesOtherMemberus-gaap:NondesignatedMemberus-gaap:OtherAssetsMember2024-12-310000910073us-gaap:MortgageBackedSecuritiesOtherMemberus-gaap:NondesignatedMemberus-gaap:OtherLiabilitiesMember2024-12-310000910073us-gaap:InterestRateSwapMemberus-gaap:NondesignatedMemberus-gaap:OtherAssetsMember2024-12-310000910073us-gaap:InterestRateSwapMemberus-gaap:NondesignatedMemberus-gaap:OtherLiabilitiesMember2024-12-310000910073us-gaap:InterestRateSwaptionMemberus-gaap:NondesignatedMember2025-03-310000910073us-gaap:NondesignatedMember2025-03-310000910073us-gaap:MortgageBackedSecuritiesOtherMemberus-gaap:NondesignatedMember2025-03-310000910073us-gaap:InterestRateSwapMemberus-gaap:NondesignatedMember2025-03-310000910073us-gaap:MortgageBackedSecuritiesOtherMemberus-gaap:NondesignatedMember2024-12-310000910073us-gaap:InterestRateSwaptionMemberus-gaap:NondesignatedMember2024-12-310000910073us-gaap:NondesignatedMember2024-12-310000910073us-gaap:InterestRateSwapMemberus-gaap:NondesignatedMember2024-12-310000910073fbc:SwapFHLBMember2025-01-012025-03-310000910073fbc:SwapFHLBMember2024-01-012024-03-310000910073fbc:MortgageServicingRightsMSRImpairmentRecoveryMemberus-gaap:FutureMember2025-01-012025-03-310000910073fbc:MortgageServicingRightsMSRImpairmentRecoveryMemberus-gaap:FutureMember2024-01-012024-03-310000910073fbc:MortgageServicingRightsMSRImpairmentRecoveryMemberfbc:InterestRateSwapsAndSwaptionsMember2025-01-012025-03-310000910073fbc:MortgageServicingRightsMSRImpairmentRecoveryMemberfbc:InterestRateSwapsAndSwaptionsMember2024-01-012024-03-310000910073fbc:MortgageServicingRightsMSRImpairmentRecoveryMemberus-gaap:MortgageBackedSecuritiesOtherMember2025-01-012025-03-310000910073fbc:MortgageServicingRightsMSRImpairmentRecoveryMemberus-gaap:MortgageBackedSecuritiesOtherMember2024-01-012024-03-310000910073fbc:GainLossOnSaleOfFinancingReceivableMemberfbc:RateLockCommitmentsMBSForwardsAndU.S.TreasuryFuturesMember2025-01-012025-03-310000910073fbc:GainLossOnSaleOfFinancingReceivableMemberfbc:RateLockCommitmentsMBSForwardsAndU.S.TreasuryFuturesMember2024-01-012024-03-310000910073fbc:NoninterestIncomeOtherOperatingIncomeMemberus-gaap:InterestRateSwapMember2025-01-012025-03-310000910073fbc:NoninterestIncomeOtherOperatingIncomeMemberus-gaap:InterestRateSwapMember2024-01-012024-03-310000910073us-gaap:CoreDepositsMember2025-03-310000910073us-gaap:CoreDepositsMember2024-12-310000910073us-gaap:OtherIntangibleAssetsMember2025-03-310000910073us-gaap:OtherIntangibleAssetsMember2024-12-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CollateralizedMortgageObligationsMember2025-03-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CollateralizedMortgageObligationsMember2025-03-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CollateralizedMortgageObligationsMember2025-03-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:CollateralizedMortgageObligationsMember2025-03-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2025-03-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2025-03-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2025-03-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2025-03-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2025-03-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2025-03-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2025-03-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesMember2025-03-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesMember2025-03-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesMember2025-03-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesMember2025-03-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember2025-03-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember2025-03-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember2025-03-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember2025-03-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasurySecuritiesMember2025-03-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasurySecuritiesMember2025-03-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasurySecuritiesMember2025-03-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasurySecuritiesMember2025-03-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CorporateBondSecuritiesMember2025-03-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CorporateBondSecuritiesMember2025-03-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CorporateBondSecuritiesMember2025-03-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:CorporateBondSecuritiesMember2025-03-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:AssetBackedSecuritiesMember2025-03-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:AssetBackedSecuritiesMember2025-03-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:AssetBackedSecuritiesMember2025-03-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:AssetBackedSecuritiesMember2025-03-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MunicipalBondsMember2025-03-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MunicipalBondsMember2025-03-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MunicipalBondsMember2025-03-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MunicipalBondsMember2025-03-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2025-03-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2025-03-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2025-03-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2025-03-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberfbc:MortgageBackedSecuritiesAndOtherSecuritiesMember2025-03-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberfbc:MortgageBackedSecuritiesAndOtherSecuritiesMember2025-03-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberfbc:MortgageBackedSecuritiesAndOtherSecuritiesMember2025-03-310000910073us-gaap:FairValueMeasurementsRecurringMemberfbc:MortgageBackedSecuritiesAndOtherSecuritiesMember2025-03-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MutualFundMember2025-03-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MutualFundMember2025-03-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MutualFundMember2025-03-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MutualFundMember2025-03-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:EquitySecuritiesMember2025-03-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:EquitySecuritiesMember2025-03-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:EquitySecuritiesMember2025-03-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:EquitySecuritiesMember2025-03-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMember2025-03-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMember2025-03-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2025-03-310000910073us-gaap:FairValueMeasurementsRecurringMember2025-03-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberfbc:MultiFamilyLoanMember2025-03-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberfbc:MultiFamilyLoanMember2025-03-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberfbc:MultiFamilyLoanMember2025-03-310000910073us-gaap:FairValueMeasurementsRecurringMemberfbc:MultiFamilyLoanMember2025-03-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberfbc:CommercialRealEstateLoansMember2025-03-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberfbc:CommercialRealEstateLoansMember2025-03-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberfbc:CommercialRealEstateLoansMember2025-03-310000910073us-gaap:FairValueMeasurementsRecurringMemberfbc:CommercialRealEstateLoansMember2025-03-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:InterestRateSwapMemberus-gaap:FairValueMeasurementsRecurringMember2025-03-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:InterestRateSwapMemberus-gaap:FairValueMeasurementsRecurringMember2025-03-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:InterestRateSwapMemberus-gaap:FairValueMeasurementsRecurringMember2025-03-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:InterestRateSwapMember2025-03-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:InterestRateLockCommitmentsMemberus-gaap:FairValueMeasurementsRecurringMember2025-03-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:InterestRateLockCommitmentsMemberus-gaap:FairValueMeasurementsRecurringMember2025-03-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:InterestRateLockCommitmentsMemberus-gaap:FairValueMeasurementsRecurringMember2025-03-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:InterestRateLockCommitmentsMember2025-03-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:MortgageBackedSecuritiesOtherMemberus-gaap:FairValueMeasurementsRecurringMember2025-03-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:MortgageBackedSecuritiesOtherMemberus-gaap:FairValueMeasurementsRecurringMember2025-03-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:MortgageBackedSecuritiesOtherMemberus-gaap:FairValueMeasurementsRecurringMember2025-03-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesOtherMember2025-03-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CollateralizedMortgageObligationsMember2024-12-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CollateralizedMortgageObligationsMember2024-12-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CollateralizedMortgageObligationsMember2024-12-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:CollateralizedMortgageObligationsMember2024-12-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2024-12-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2024-12-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2024-12-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2024-12-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2024-12-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2024-12-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2024-12-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2024-12-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesMember2024-12-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesMember2024-12-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesMember2024-12-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesMember2024-12-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember2024-12-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember2024-12-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember2024-12-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember2024-12-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CorporateBondSecuritiesMember2024-12-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CorporateBondSecuritiesMember2024-12-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CorporateBondSecuritiesMember2024-12-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:CorporateBondSecuritiesMember2024-12-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:AssetBackedSecuritiesMember2024-12-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:AssetBackedSecuritiesMember2024-12-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:AssetBackedSecuritiesMember2024-12-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:AssetBackedSecuritiesMember2024-12-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MunicipalBondsMember2024-12-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MunicipalBondsMember2024-12-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MunicipalBondsMember2024-12-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MunicipalBondsMember2024-12-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2024-12-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2024-12-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2024-12-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2024-12-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberfbc:MortgageBackedSecuritiesAndOtherSecuritiesMember2024-12-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberfbc:MortgageBackedSecuritiesAndOtherSecuritiesMember2024-12-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberfbc:MortgageBackedSecuritiesAndOtherSecuritiesMember2024-12-310000910073us-gaap:FairValueMeasurementsRecurringMemberfbc:MortgageBackedSecuritiesAndOtherSecuritiesMember2024-12-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MutualFundMember2024-12-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MutualFundMember2024-12-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MutualFundMember2024-12-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MutualFundMember2024-12-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:EquitySecuritiesMember2024-12-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:EquitySecuritiesMember2024-12-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:EquitySecuritiesMember2024-12-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:EquitySecuritiesMember2024-12-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMember2024-12-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMember2024-12-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2024-12-310000910073us-gaap:FairValueMeasurementsRecurringMember2024-12-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberfbc:MultiFamilyLoanMember2024-12-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberfbc:MultiFamilyLoanMember2024-12-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberfbc:MultiFamilyLoanMember2024-12-310000910073us-gaap:FairValueMeasurementsRecurringMemberfbc:MultiFamilyLoanMember2024-12-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberfbc:AcquisitionDevelopmentAndConstructionLoanMember2024-12-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberfbc:AcquisitionDevelopmentAndConstructionLoanMember2024-12-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberfbc:AcquisitionDevelopmentAndConstructionLoanMember2024-12-310000910073us-gaap:FairValueMeasurementsRecurringMemberfbc:AcquisitionDevelopmentAndConstructionLoanMember2024-12-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:InterestRateSwapMemberus-gaap:FairValueMeasurementsRecurringMember2024-12-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:InterestRateSwapMemberus-gaap:FairValueMeasurementsRecurringMember2024-12-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:InterestRateSwapMemberus-gaap:FairValueMeasurementsRecurringMember2024-12-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:InterestRateSwapMember2024-12-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:MortgageBackedSecuritiesOtherMemberus-gaap:FairValueMeasurementsRecurringMember2024-12-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:MortgageBackedSecuritiesOtherMemberus-gaap:FairValueMeasurementsRecurringMember2024-12-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:MortgageBackedSecuritiesOtherMemberus-gaap:FairValueMeasurementsRecurringMember2024-12-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesOtherMember2024-12-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:InterestRateLockCommitmentsMemberus-gaap:FairValueMeasurementsRecurringMember2024-12-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:InterestRateLockCommitmentsMemberus-gaap:FairValueMeasurementsRecurringMember2024-12-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:InterestRateLockCommitmentsMemberus-gaap:FairValueMeasurementsRecurringMember2024-12-310000910073us-gaap:FairValueMeasurementsRecurringMemberus-gaap:InterestRateLockCommitmentsMember2024-12-310000910073us-gaap:FairValueInputsLevel1Memberfbc:InterestRateSwapsAndSwaptionsMemberus-gaap:FairValueMeasurementsRecurringMember2024-12-310000910073us-gaap:FairValueInputsLevel2Memberfbc:InterestRateSwapsAndSwaptionsMemberus-gaap:FairValueMeasurementsRecurringMember2024-12-310000910073us-gaap:FairValueInputsLevel3Memberfbc:InterestRateSwapsAndSwaptionsMemberus-gaap:FairValueMeasurementsRecurringMember2024-12-310000910073us-gaap:FairValueMeasurementsRecurringMemberfbc:InterestRateSwapsAndSwaptionsMember2024-12-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMember2025-03-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMember2025-03-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMember2025-03-310000910073us-gaap:FairValueMeasurementsNonrecurringMember2025-03-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMember2024-12-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMember2024-12-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMember2024-12-310000910073us-gaap:FairValueMeasurementsNonrecurringMember2024-12-310000910073us-gaap:CarryingReportedAmountFairValueDisclosureMember2025-03-310000910073us-gaap:EstimateOfFairValueFairValueDisclosureMember2025-03-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2025-03-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2025-03-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2025-03-310000910073us-gaap:CarryingReportedAmountFairValueDisclosureMember2024-12-310000910073us-gaap:EstimateOfFairValueFairValueDisclosureMember2024-12-310000910073us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2024-12-310000910073us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2024-12-310000910073us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2024-12-310000910073fbc:LoansHeldForSaleMemberfbc:NonaccrualLoansMember2025-03-310000910073fbc:LoansHeldForSaleMemberfbc:NonaccrualLoansMember2024-12-310000910073fbc:LoansHeldForInvestmentMemberfbc:NonaccrualLoansMember2025-03-310000910073fbc:LoansHeldForInvestmentMemberfbc:NonaccrualLoansMember2024-12-310000910073fbc:NonaccrualLoansMember2025-03-310000910073fbc:NonaccrualLoansMember2024-12-310000910073fbc:LoansHeldForSaleMemberus-gaap:PerformingFinancingReceivableMember2025-03-310000910073fbc:LoansHeldForSaleMemberus-gaap:PerformingFinancingReceivableMember2024-12-310000910073fbc:LoansHeldForInvestmentMemberus-gaap:PerformingFinancingReceivableMember2025-03-310000910073fbc:LoansHeldForInvestmentMemberus-gaap:PerformingFinancingReceivableMember2024-12-310000910073us-gaap:PerformingFinancingReceivableMember2025-03-310000910073us-gaap:PerformingFinancingReceivableMember2024-12-310000910073fbc:LoansHeldForSaleMember2025-03-310000910073fbc:LoansHeldForSaleMember2024-12-310000910073fbc:LoansHeldForInvestmentMember2025-03-310000910073fbc:LoansHeldForInvestmentMember2024-12-310000910073us-gaap:PreferredStockMember2025-01-012025-03-310000910073fbc:NoncumulativePreferredStockSeriesAMember2025-03-310000910073fbc:NoncumulativeConvertiblePreferredStockSeriesBMember2025-03-310000910073fbc:NoncumulativeConvertiblePreferredStockSeriesCMember2025-01-012025-03-310000910073fbc:NoncumulativeConvertiblePreferredStockSeriesCMember2025-03-310000910073fbc:NonVotingCommonEquivalentStockSeriesDMember2025-03-310000910073srt:ScenarioForecastMember2027-03-172027-03-170000910073fbc:NoncumulativePreferredStockSeriesAMember2025-01-012025-03-310000910073fbc:NoncumulativeConvertiblePreferredStockSeriesBMember2025-01-012025-03-310000910073fbc:SeriesDNYCEStockMember2025-03-310000910073fbc:SeriesDPreferredStockWarrantsMember2025-03-310000910073fbc:SeriesDPreferredStockWarrantsMemberfbc:SeriesDNYCEStockMember2025-03-310000910073fbc:SeriesDPreferredStockWarrantsMemberus-gaap:CommonStockMember2025-03-310000910073us-gaap:CommonStockMember2025-03-310000910073us-gaap:AssetPledgedAsCollateralMember2025-03-310000910073us-gaap:AssetPledgedAsCollateralMember2024-12-310000910073fbc:MultiFamilyAndCommercialRealEstateMember2025-03-310000910073fbc:MultiFamilyAndCommercialRealEstateMember2024-12-310000910073fbc:OneToFourFamilyIncludingInterestRateLocksMember2025-03-310000910073fbc:OneToFourFamilyIncludingInterestRateLocksMember2024-12-310000910073fbc:OtherLoanCommitmentsMember2025-03-310000910073fbc:OtherLoanCommitmentsMember2024-12-310000910073us-gaap:UnfundedLoanCommitmentMember2025-03-310000910073us-gaap:UnfundedLoanCommitmentMember2024-12-31</div>
    <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-size: 14pt; font-weight: 700; line-height: 120%;">UNITED STATES</font></div>
    <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-size: 14pt; font-weight: 700; line-height: 120%;">SECURITIES AND EXCHANGE COMMISSION</font></div>
    <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-size: 12pt; font-weight: 700; line-height: 120%;">Washington,&#160;D.C. 20549</font></div>
    <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-size: 18pt; font-weight: 700; line-height: 120%;">FORM&#160;10-Q </font></div>
    <div><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(Mark One)</font></div>
    <div style="margin-top:5pt">
      <table id="z9f95cd603a2143cd98050b409678ed03" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:522.00pt">

          <tr>
            <td style="width:1.0pt"><br>
            </td>
            <td style="width:28.00pt"><br>
            </td>
            <td style="width:1.0pt"><br>
            </td>
            <td style="width:1.0pt"><br>
            </td>
            <td style="width:490.00pt"><br>
            </td>
            <td style="width:1.0pt"><br>
            </td>
          </tr>
          <tr style="height:15pt">
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 100%;">&#9746;</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 100%;">QUARTERLY REPORT PURSUANT TO SECTION&#160;13 OR 15(d) OF THE SECURITIES EXCHANGE ACT
                  OF 1934 </font></div>
            </td>
          </tr>
          <tr style="height:15pt">
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr style="height:15pt">
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 100%;">For the quarterly period ended March&#160;31, 2025</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">OR</font></div>
    <div style="margin-top:5pt">
      <table id="z566f9b02cacb4ca0b7eea701dce3d2fc" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:522.00pt">

          <tr>
            <td style="width:1.0pt"><br>
            </td>
            <td style="width:28.00pt"><br>
            </td>
            <td style="width:1.0pt"><br>
            </td>
            <td style="width:1.0pt"><br>
            </td>
            <td style="width:490.00pt"><br>
            </td>
            <td style="width:1.0pt"><br>
            </td>
          </tr>
          <tr style="height:15pt">
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 100%;">&#9744;</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; 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</font></td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:3pt;text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Commission file number: </font><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">001-31565</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;"> </font></div>
    <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-size: 20pt; font-weight: 700; line-height: 120%;">FLAGSTAR FINANCIAL, INC.</font></div>
    <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(Exact name of registrant as specified in its charter) </font></div>
    <div style="margin-top:5pt">
      <table id="zdd591851e6364a9698dda200ffee754f" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.126%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:24.787%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.698%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.686%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.539%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:42.690%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 700; line-height: 100%;">Delaware</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 700; line-height: 100%;">06-1377322</font></td>
          </tr>
          <tr>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;">(State
                or other jurisdiction of incorporation or organization)</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;">(I.R.S.
                Employer Identification No.)</font></td>
          </tr>
          <tr style="height:3pt">
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:right;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 700; line-height: 100%;">102 Duffy Avenue, </font></td>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 700; line-height: 100%;">&#160;Hicksville,</font></td>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 700; line-height: 100%;">New
                York</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 700; line-height: 100%;">11801</font></td>
          </tr>
          <tr>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;">(Address
                of principal executive offices)</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;">(Zip
                Code)</font></td>
          </tr>

      </table>
    </div>
    <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Registrant&#8217;s telephone number, including area code: </font><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">(516)&#160;683-4100 </font></div>
    <div style="text-align:center"><br>
    </div>
    <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; text-decoration: underline;">Securities registered pursuant to Section 12(b) of the Act:</font></div>
    <div style="text-align:center"><br>
    </div>
    <div style="margin-top:5pt;text-align:center">
      <table id="zc65256ef328947d9b2e04d7851bd9916" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.798%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:42.260%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.600%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.980%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.600%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:35.860%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 700; line-height: 100%;">Title of each class</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 700; line-height: 100%;">Trading symbol(s) </font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 700; line-height: 100%;">Name of each exchange on which
                registered</font></td>
          </tr>
          <tr>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 700; line-height: 100%;">Common
                Stock, $0.01 par value per share</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 700; line-height: 100%;">FLG</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 700; line-height: 100%;">New York
                Stock Exchange</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 700; line-height: 100%;">Bifurcated Option Note Unit Securities</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.85pt; font-weight: 700; line-height: 100%; position: relative; top: -3.15pt; vertical-align: baseline;">SM</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 700; line-height: 100%;">FLG PRU</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 700; line-height: 100%;">New York Stock Exchange</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 700; line-height: 100%;">Depositary Shares each
                representing a 1/40th interest in a share of Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 700; line-height: 100%;">FLG PRA</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 700; line-height: 100%;">New York Stock Exchange</font></td>
          </tr>

      </table>
    </div>
    <div style="text-align:center"><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">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. </font><font style="color: rgb(0, 0, 0); font-size: 9.5pt; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;Yes&#160;&#9746;&#160;&#160;&#160;&#160;&#160;&#160;No&#160;&#160;&#9744;</font></div>
    <div><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">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). </font><font style="color: rgb(0, 0, 0); font-size: 9.5pt; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;Yes&#160;&#160;&#9746;&#160;&#160;&#160;&#160;No&#160;&#160;&#9744;</font></div>
    <div><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); 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. </font></div>
    <div style="margin-top:5pt">
      <table id="zf2cad6354ca742f490e7694795ffa394" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.712%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:26.997%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:3.655%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.520%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:26.997%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:3.655%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.520%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:26.997%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:3.659%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9.5pt; font-weight: 400; line-height: 100%;">Large Accelerated Filer</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9.5pt; font-weight: 400; line-height: 100%;">&#9746;</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9.5pt; font-weight: 400; line-height: 100%;">Accelerated&#160;Filer&#160;&#160;</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9.5pt; font-weight: 400; line-height: 100%;">&#9744;</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9.5pt; font-weight: 400; line-height: 100%;">Smaller&#160;Reporting&#160;Company&#160;&#160;</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9.5pt; font-weight: 400; line-height: 100%;">&#9744;</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9.5pt; font-weight: 400; line-height: 100%;">Non-Accelerated&#160;Filer&#160;&#160;</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9.5pt; font-weight: 400; line-height: 100%;">&#9744;</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9.5pt; font-weight: 400; line-height: 100%;">Emerging growth company</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9.5pt; font-weight: 400; line-height: 100%;">&#9744;</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">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. </font><font style="color: rgb(0, 0, 0); font-size: 9.5pt; font-weight: 400; line-height: 120%;">&#160;&#9744;. </font></div>
    <div><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); 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;&#9746;</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The number of shares of the registrant&#8217;s common stock outstanding as of April&#160;30, 2025 was 415,079,910
        shares</font><font style="color: rgb(0, 0, 0); font-size: 9.5pt; font-weight: 400; line-height: 120%;">. </font></div>
    <div><br>
    </div>
    <div style="height:42.75pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:42.75pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">FLAGSTAR FINANCIAL,&#160;INC.</font></div>
    <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">FORM 10-Q</font></div>
    <div style="margin-top:5pt;text-align:center">
      <table id="z3e25eef585c3473980278ebb5b733e95" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.864%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:79.309%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.527%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr style="height:14pt">
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="6">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_13" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">PART I. &#8211; FINANCIAL INFORMATION</a></font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr style="height:14pt">
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 10pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;">Item&#160;2.</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_16" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</a></font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_16" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">6</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 10pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;">Item&#160;1.</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_121" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Condensed Consolidated Financial Statements</a></font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="padding-left:9pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;">Condensed Consolidated Statements of Condition (unaudited)</font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:9pt;text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_124" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">29</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="padding-left:9pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;">Condensed Consolidated Statements of (Loss) Income (unaudited)</font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="padding-left:9pt;text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_130" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">30</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="padding-left:9pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;">Condensed Consolidated Statement of Comprehensive (Loss) Income (unaudited)</font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="padding-left:9pt;text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_1508" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">31</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="padding-left:9pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;">Condensed Consolidated Statements of Stockholders&#8217; Equity (unaudited)</font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="padding-left:9pt;text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_136" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">32</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="padding-left:9pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;">Condensed Consolidated Statements of Cash Flows (unaudited)</font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="padding-left:9pt;text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_145" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">33</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="padding-left:9pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_148" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Notes to the </a><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_148" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Condensed </a><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_148" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Consolidated Financial Statements (unaudited)</a></font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_151" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Note 1 - </a><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_151" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Organization Basis
                    of Presentation</a></font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_151" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">34</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_157" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Note 2 - </a>Computation of Earnings Per Common Share</font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_157" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">34</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_166" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Note 3 - </a>Accumulated Other Comprehensive Loss</font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="padding-left:27pt;text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_166" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">36</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_169" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Note 4 - I</a>nvestment Securities</font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="padding-left:27pt;text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_169" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">37</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_172" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Note 5 - </a>Loans and Leases</font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_172" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">40</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_175" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Note 6 - A</a>llowance for Credit Losses</font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="padding-left:27pt;text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_175" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">46</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_178" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Note 7 - Leases, Premises and Equipment</a></font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_178" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">48</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_184" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Note 8 - Variable Interest Entities</a></font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_184" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">49</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_187" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Note 9 - Borrowed Funds</a></font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_187" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">49</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_190" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Note 10 - Pension and Other Post-Retirement Benefits</a></font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_190" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">51</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_1533" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Note 11 - Federal, State, and Local Taxes</a></font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_1533" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">51</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_196" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Note 12 - Stock-Related Benefit Plans</a></font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_196" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">52</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_202" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Note 13 - D</a>erivative and Hedging Activities</font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_202" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">53</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_205" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Note 14 - I</a>ntangible Assets</font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_205" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">56</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_208" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Note 15 - F</a>air Value Measures</font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_208" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">57</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="padding-left:27pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_211" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Note 16 - Mezzanine and Stockholders' Equity</a></font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="margin-top:5pt;padding-left:27pt;text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_211" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">63</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<a href="#ifeac9c7fc6ce410585a82c6bec1adedb_1586" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Note 1</a><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_1586" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">7</a><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_1586" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;"> - Commitments and Contingencies</a> </font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_1586" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">64</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="padding-left:24pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;">&#160;<a href="#ifeac9c7fc6ce410585a82c6bec1adedb_1524" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Note 1</a><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_1524" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">8</a><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_1524" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;"> - Segment Reporting</a></font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_1524" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">65</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 10pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;">Item&#160;3.</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_229" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Quantitative and Qualitative Disclosures about Market Risk</a></font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_229" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">66</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 10pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;">Item&#160;4.</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_232" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Controls and Procedures</a></font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_232" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">66</a></font></div>
            </td>
          </tr>
          <tr style="height:14pt">
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="6">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_235" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">PART II. &#8211; OTHER INFORMATION</a></font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 10pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;">Item&#160;1.</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_238" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Legal Proceedings</a></font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_238" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">69</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;">Item&#160;1A.</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_241" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Risk Factors</a></font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_241" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">70</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 10pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;">Item&#160;2.</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_244" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Unregistered Sales of Equity Securities and Use of Proceeds</a></font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_244" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">71</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 10pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;">Item&#160;3.</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_247" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Defaults upon Senior Securities</a></font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_247" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">71</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 10pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;">Item&#160;4.</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_250" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Mine Safety Disclosures</a></font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_250" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">71</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 10pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;">Item&#160;5.</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_253" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Other Information</a></font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_253" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">71</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 10pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;">Item&#160;6.</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_259" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">Exhibits</a></font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_259" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">71</a></font></div>
            </td>
          </tr>
          <tr style="height:14pt">
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="6">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_262" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">SIGNATURES</a></font></div>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 9pt; font-weight: 400; line-height: 100%;"><a href="#ifeac9c7fc6ce410585a82c6bec1adedb_262" style="color: #000000; font-weight: 400; line-height: 100%; text-decoration: none;">74</a></font></div>
            </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"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">2</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:42.75pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div style="text-align:justify;text-indent:36pt"><br>
    </div>
    <div style="text-align:justify;text-indent:36pt"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">For the purpose of this Quarterly Report on Form 10-Q, the words
        &#8220;we,&#8221; &#8220;us,&#8221; &#8220;our,&#8221; and the &#8220;Company&#8221; are used to refer to Flagstar Financial, Inc. and our consolidated subsidiary, Flagstar Bank, N.A. (the &#8220;Bank&#8221;).</font></div>
    <div style="text-align:center"><br>
    </div>
    <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING LANGUAGE </font></div>
    <div><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">This report, like many written and oral communications presented by Flagstar Financial,
        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. </font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. </font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. </font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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: </font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">conditions in the securities markets and real estate markets or the banking industry;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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; </font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">changes in the quality or composition of our loan or securities portfolios;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">heightened regulatory focus on commercial real estate and on commercial real estate loan concentrations;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">changes in competitive pressures among financial institutions or from non-financial institutions;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">changes in deposit flows and wholesale borrowing facilities;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">our ability to maintain sufficient liquidity and funding to fulfill cash obligations and commitments when they become due in the short-term and long-term;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">our ability to obtain timely stockholder and regulatory approvals of any capital raise transactions, corporate restructurings or other significant transactions we may propose;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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. ("Flagstar Bancorp") and the purchase and assumption of certain assets and liabilities of Signature Bridge
        Bank, N.A. ("Signature");</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; 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 and the purchase and assumption of certain assets and liabilities of Signature;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">the ability to invest effectively in new information technology systems and platforms;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; 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;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">changes in future allowance for credit losses requirements under relevant accounting and regulatory requirements;</font></div>
    <div style="height:42.75pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">3</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:42.75pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; 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;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">recent turnover in our Board of Directors and our executive management team;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">the ability to execute on our strategic plan, including the sufficiency of our internal resources, procedures and systems;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">the ability to achieve our strategic financial and other strategic goals;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">the ability to attract new customers and retain existing ones in the manner anticipated;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">the potential for deposit attrition, including for reasons related to (i) the departure of private banking teams whose responsibilities include the acquisition and retention
        of customer deposits and (ii) the expected transfer of certain custodial deposits associated with our mortgage servicing business out of the Bank;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">any interruption in customer service due to circumstances beyond our control;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">our ability to successfully remediate our previously disclosed material weaknesses in internal control over financial reporting;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; 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 acquisition of Flagstar Bancorp and subsequent purchase and assumption of certain assets
        and liabilities of Signature, (ii) the capital raise transaction we completed in March of 2024, (iii) the previously disclosed material weaknesses in internal control over financial reporting, (iv) past cyber security breaches, and (v) recent
        events and circumstances involving the Company, including our full year 2023 earnings announcement, disclosures regarding credit losses, provisioning and goodwill impairment, and negative news and expectations about the prospects of the Company
        (and associated stock price volatility and changes);</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">potential for deferred tax asset valuation allowance relating to Section 382 of the Internal Revenue Code arising from aggregation risk of new shareholder share issuances and
        warrant exercises related to our March 2024 $1.05 billion capital raise, the Flagstar Bancorp acquisition and additional potential market transactions not in the Company&#8217;s control;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; 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;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">the ability to keep pace with, and implement on a timely basis, technological changes;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">changes in accounting principles, policies, practices, and guidelines;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">changes to federal, state, and local income tax laws;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">changes in our credit ratings, or in our ability to access the capital markets;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">increases in our FDIC insurance premium or future assessments;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">the impacts of tariffs, sanctions and other trade policies of the United States and its global trading counterparts; </font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">the effects of geopolitical instability and unforeseen or catastrophic events including natural disasters, war, conflicts, terrorist activities, civil unrest, pandemics,
        epidemics, and other health emergencies, and the potential impact, directly or indirectly, on our business;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">completing the diversification of the Company&#8217;s loan portfolio may be more difficult, costly or time consuming than expected;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">the ability to achieve anticipated expense reductions and enhanced efficiencies with respect to our previously announced strategic workforce reduction;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">the impact of the recent sale of our mortgage third party origination business, mortgage servicing business and mortgage warehouse business;</font></div>
    <div style="height:42.75pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">4</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:42.75pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; 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 or to utilize available collateral to obtain funding;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">the ability to obtain cost savings and control incremental non-interest expense;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">the ability to retain and attract appropriate personnel;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">the diversion of management&#8217;s attention from existing operations;</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">the ability to address an increase in working capital requirements; and</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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.</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">See Part 1, Item 1A, Risk Factors, in our Annual Report on Form 10-K for the year ended
        December&#160;31, 2024 for a further discussion of important risk factors that could cause actual results to differ materially from our forward-looking statements.</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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.</font></div>
    <div style="height:42.75pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">5</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">PART I. FINANCIAL INFORMATION</font></div>
    <div style="text-align:center"><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;"> </font>
      <table id="zfd123bdca0794ef49eb1a8eedab49cfb" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.695%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:89.105%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 700; line-height: 100%;">ITEM&#160;2.</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 700; line-height: 100%;">MANAGEMENT&#8217;S DISCUSSION AND ANALYSIS
                OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS</font></td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">RESULTS OF OPERATIONS</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Background</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Flagstar Financial, Inc. is the parent company of Flagstar Bank, N.A., one of the
        largest regional banks in the country. The Company is headquartered in Hicksville, New York. At March&#160;31, 2025, the Company had $97.6 billion of assets, $67.1 billion of loans, deposits of $73.9&#160;billion, and total stockholders&#8217; equity of $8.2
        billion.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Flagstar Bank, N.A. operates approximately 400 locations across nine states, with
        strong footholds in the greater New York/New Jersey metropolitan region and in the upper Midwest, along with a significant presence in fast-growing markets in Florida and the West Coast.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">We operate in a single reportable segment and have identified one reporting unit which
        is the same as our operating segment. In the future we plan to continue to assess our reportable segments and reporting units, which may result in a change to either or both in future reporting periods. Please refer to Note 18 - Segment Reporting.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">On June 27, 2024, we announced a 1 for 3 reverse stock split, effective July 11, 2024.
        This reverse stock split is reflected retroactively in all periods presented in this report.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Net Loss</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">For the three months ended March 31, 2025, we reported a net loss of $100&#160;million
        compared to a net loss of $188&#160;million for the three months ended December 31, 2024. The net loss attributable to common stockholders, which includes the impact from preferred dividends, for the three months ended March 31, 2025 was $108&#160;million,
        or $0.26 per diluted share compared to a net loss attributable to common stockholders of $196&#160;million, or $0.47 per diluted share for the three months ended December 31, 2024 and a net loss attributable to common stockholders of $335 million, or
        $1.36 per diluted share for the three months ended March 31, 2024. The net loss for the three months ended December 31, 2024 included a gain on the sale of our mortgage third party origination business, and mortgage servicing business ("Mortgage
        Operations") of $89 million, long term asset impairment of $77 million, and severance cost of $31 million. The net loss for the three months ended March 31, 2024 included the reduction in the Signature Transaction bargain purchase gain of $121
        million.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Net Interest Income </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Net interest income is our primary source of income. The amount of our net interest
        income is a function of the amount of interest-earning assets we hold, the manner in which we fund these assets, including interest-bearing liabilities, and the spread between the interest rates we earn on assets and the interest rates we pay on
        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 Federal Open Market Committee, and prevailing interest rates.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Our interest-bearing liabilities are comprised of customer deposits and funds we
        borrow. The average term of our fixed rate deposits is less than twelve months, therefore the cost of our deposits and most of our borrowed funds is largely based on short-term interest rates, the level of which is partially impacted by the actions
        of the Federal Open Market Committee. The yields on our held for-investment loans and investment securities are generally more sensitive to intermediate-term interest rates. However, a sizable portion of our held for investment loans have fixed
        rates and generally reset to the then current intermediate-term interest rates when they reach repricing dates.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">6</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table sets forth information regarding our net interest income and
        average balance sheet for the periods indicated. The average balance is derived from daily calculations of average balances.</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify">
      <table id="zbe48abad7ac0434b93c1ddc58a5ef923" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:26.239%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.110%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:5.332%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.110%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.110%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:5.332%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.110%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:6.648%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:5.186%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:6.655%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="33"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Three
                Months Ended,</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">March
                31, 2025</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">December
                31, 2024</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">March
                31, 2024</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></div>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 700; line-height: 100%;">Average Balance</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 700; line-height: 100%;">Interest</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 700; line-height: 100%;">Average Yield/Cost</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 700; line-height: 100%;">Average Balance</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 700; line-height: 100%;">Interest</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 700; line-height: 100%;">Average Yield/Cost</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 700; line-height: 100%;">Average Balance</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 700; line-height: 100%;">Interest</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 700; line-height: 100%;">Average Yield/Cost</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">ASSETS:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Interest-earning

                assets:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Mortgage and other loans, net </font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">68,212&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">860&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5.06&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">71,727&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">948&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5.28&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">84,123&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,193&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5.68&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Securities </font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(2)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,067&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">148&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.59&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12,347&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">144&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.77&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11,576&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">123&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.30&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Interest-earning

                cash and cash equivalents</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14,344&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">156&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.42&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">22,048&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">266&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.79&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14,345&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">197&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5.52&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total

                interest-earning assets</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">95,623&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,164&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.90&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">106,122&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,358&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5.11&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">110,044&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,513&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5.51&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-interest-earning

                assets</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,484&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,367&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,682&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                assets</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">99,107&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">110,489&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">115,726&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">LIABILITIES
                AND STOCKHOLDERS' EQUITY:</font></td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Interest-bearing

                deposits:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Interest-bearing

                checking and money market accounts</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">21,023&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">167&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3.23&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">23,007&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">205&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3.54&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">26,428&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">232&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3.54&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Savings
                accounts</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14,349&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">111&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3.14&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,996&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">124&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3.51&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,400&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">47&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2.24&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Certificates
                of deposit</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">26,355&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">308&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.74&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">28,573&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">362&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5.04&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">24,711&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">291&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.74&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                interest-bearing deposits</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">61,727&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">586&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3.85&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">65,576&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">691&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.19&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">59,539&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">570&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3.85&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                borrowed funds</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14,377&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">168&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.71&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">17,940&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">206&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.56&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">25,728&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">319&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.99&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                interest-bearing liabilities</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">76,104&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">754&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.02&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">83,516&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">897&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.27&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">85,267&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">889&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.19&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-interest-bearing

                deposits</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,068&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15,959&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">19,355&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other
                liabilities</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,732&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,440&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,563&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                liabilities</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">90,904&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">101,915&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">107,185&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Stockholders&#8217;
                and mezzanine equity</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,203&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,574&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,541&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                liabilities and stockholders&#8217; equity</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">99,107&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">110,489&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">115,726&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net
                interest income/interest rate spread</font></td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">410&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">0.88&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">461&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">0.84&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">624&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1.32&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net
                interest margin</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1.74&#160;</font></td>
            <td style="background-color:#cceeff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1.73&#160;</font></td>
            <td style="background-color:#cceeff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2.28&#160;</font></td>
            <td style="background-color:#cceeff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Ratio of
                interest-earning assets to interest-bearing liabilities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1.26&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">x</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1.27&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">x</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1.29&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">x</font></td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Comprised of Loans and leases held for investment, net and Loans held for sale.</font></div>
    <div style="padding-left:36pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(2)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Comprised of Debt securities available-for-sale at amortized cost, Equity investments with readily determinable fair values, at fair value and Federal Home
        Loan Bank stock and Federal Reserve Bank stock, at cost.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">7</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table summarizes the change in net interest income attributable to
        changes in rate and volume:</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify">
      <table id="z5034e872328c410dadc11a2e12ab7469" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:49.484%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.841%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:6.648%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:5.625%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.818%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:6.356%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:6.360%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle" colspan="21"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Three
                Months Ended,</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle" colspan="9">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">March&#160;31, 2025 compared to December&#160;31, 2024</font></div>
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Increase/(Decrease) Due to:</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle" colspan="9">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">March&#160;31, 2025 compared to March&#160;31, 2024</font></div>
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Increase/(Decrease) Due to:</font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Volume</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Rate</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Net</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Volume</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Rate</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Net</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">INTEREST-EARNING
                ASSETS:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Mortgage and other loans, net</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(46)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(42)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(88)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(214)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(119)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(333)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Securities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(4)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">17&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">25&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Interest
                earning cash &amp; cash equivalent</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(91)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(19)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(110)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(41)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(41)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total

                interest-earnings assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(129)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(65)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(194)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(197)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(152)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(349)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">INTEREST-BEARING

                LIABILITIES:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Interest-bearing
                checking and money market accounts</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(17)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(21)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(38)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(46)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(19)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(65)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Savings
                accounts</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(15)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(13)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">40&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">24&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">64&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Certificates
                of deposit</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(27)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(27)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(54)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">20&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(3)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">17&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total borrowed funds</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(41)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(38)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(136)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(15)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(151)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total

                interest-bearing liabilities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(83)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(60)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(143)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(122)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(13)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(135)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Change
                in net interest income</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(46)</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(5)</font></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"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(51)</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(75)</font></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"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(139)</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(214)</font></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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Comparison to Prior Quarter </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">During the three months ended March 31, 2025, Net Interest Margin (&#8220;NIM&#8221;) stabilized
        compared to the three months ended December 31, 2024. Additionally, net interest income decreased $51 million compared to the three months ended December 31, 2024, primarily as a result of lower average mortgage and other loans due to the strategic
        reduction of our Multi-Family (&#8220;MF&#8221;), Commercial Real Estate (&#8220;CRE&#8221;) and non-core Commercial and Industrial ("C&amp;I") loans that began in early 2024, lower overall market interest rates, and lower average interest earning cash and cash
        equivalents primarily due to the pay down of wholesale borrowings. The decrease in net interest income was partially offset by the payoff of brokered certificates of deposit reflecting our strategy to reduce higher cost funding, a reduction in
        custodial deposits associated with the sale of our Mortgage Operations during the three months ended December 31, 2024, and lower overall market interest rates. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Comparison to Prior Year to Date</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">During the three months ended March 31, 2025, NIM decreased by 54 basis points compared
        to the three months ended March 31, 2024. Additionally, net interest income decreased $214 million compared to the prior year, primarily as a result of lower average mortgage and other loans due to the sale of our Mortgage Operations during the
        three months ended December 31, 2024, and our warehouse lending portfolio during the three months ended September 30, 2024, the strategic reduction in MF, CRE, and C&amp;I loans and lower interest rates. The decrease was partially offset by lower
        average borrowed funds driven by the pay down of wholesale borrowings during 2024. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:36pt"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">8</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Provision for Credit Losses </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table summarizes our Provision for credit losses for the respective
        periods:</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify">
      <table id="z882142f800774084a4529c28898f0104" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:20.683%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.274%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.712%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.958%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.081%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.772%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Three Months Ended,</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="9">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">March&#160;31, 2025 compared to (%):</font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">March
                31, 2025</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">December
                31, 2024</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">March
                31, 2024</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">December
                31, 2024</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">March
                31, 2024</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Provision for credit losses</font></div>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">79&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">145&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">315&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(46)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(75)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Comparison to Prior Quarter</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">For the three months ended March 31, 2025, the provision for credit losses decreased
        $66 million compared to the three months ended December 31, 2024. This decrease is primarily due to lower net charge-offs, our continued focus on credit reviews and the receipt of recent appraisals. Additionally, our Allowance for Credit Losses
        ("ACL") balance decreased since December&#160;31, 2024, as result of the on-going strategic reduction of our MF, CRE and non-core C&amp;I portfolios. The reduction in our ACL balance was partially offset by the negatively trending macro-economic
        environment.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Comparison to Prior Year to Date</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">For the three months ended March 31, 2025, the provision for credit losses decreased
        $236 million compared to the three months ended March 31, 2024. This decrease is primarily due to lower net charge-offs, our continued focus on credit reviews and the receipt of recent appraisals. Additionally, our ACL balance decreased since
        March&#160;31, 2024, as result of the on-going strategic reduction of our MF, CRE and non-core C&amp;I portfolios. The reduction in our ACL balance was partially offset by the negatively trending macro-economic environment.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Non-Interest Income</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table summarizes our non-interest income for the respective periods:</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="zcbe9944eb8b34e539745bc7ac3d07db6" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:32.379%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.619%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.619%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.619%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.619%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.625%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Three Months Ended,</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="9">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">March&#160;31, 2025 compared to (%):</font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March
                31, 2025</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December
                31, 2024</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March
                31, 2024</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">December
                31, 2024</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">March
                31, 2024</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Fee income</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">22&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">33&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">34&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(33)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(35)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net gain on
                mortgage/servicing sale</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">89&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">NM</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">NM</font></div>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net return on
                mortgage servicing rights</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">21</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">NM</font></div>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">NM</font></div>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Bank-owned
                life insurance</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net gain on
                loan sales and securitizations</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">20</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">160&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(35)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net loan
                administration income (loss)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">16</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">NM</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(75)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">31</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">29</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">29</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Bargain
                purchase gain</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(121)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">NM</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">NM</font></div>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                non-interest income</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">80&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">164&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Comparison to Prior Quarter </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">For the three months ended March 31, 2025, non-interest income decreased by $84 million
        compared to the three months ended December 31, 2024. The decline in non-interest income was primarily due to the non-recurrence of an $89 million gain and lower fee income as a result of the sale of our Mortgage Operations during the three months
        ended December 31, 2024, partially offset by net gains on MF and CRE loan sales.</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Comparison to Prior Year to Date</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">For the three months ended March 31, 2025, non-interest income increased $71 million
        compared to the three months ended March 31, 2024. The increase in non-interest income was primarily due to the non-recurrence of the $121 million reduction in the Signature Transaction bargain purchase gain, partially offset by lower mortgage
        servicing rights fees, lower fee income, and lower net loan administration income as a result of the sale of our Mortgage Operations during the three months ended December 31, 2024.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">9</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Non-Interest Expense</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table summarizes our non-interest expense for the respective periods:</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify">
      <table id="zc6d3226d02e1401cba62aba6c78759b4" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:32.233%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.619%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.619%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.619%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.619%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.530%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.625%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Three Months Ended,</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="9">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March&#160;31, 2025 compared to (%):</font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March
                31, 2025</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December
                31, 2024</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March
                31, 2024</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December
                31, 2024</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March
                31, 2024</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Operating
                expenses:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Compensation
                and benefits</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">244&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">302&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">333&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(19)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(27)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">FDIC
                insurance</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">50</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">74</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">50</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(32)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Occupancy
                and equipment</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">55</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">48</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">52</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">General
                and administrative</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">147</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">252</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">186</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(42)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(21)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                operating expense</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">496&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">676&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">621&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Intangible
                asset amortization</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">28</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">31</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">35</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(10)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(20)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Merger-related
                and restructuring expenses</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">43</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(27)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(81)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                non-interest expense</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">532&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">718&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">699&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(26)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(24)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Comparison to Prior Quarter </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Total non-interest expenses decreased $186 million compared to the three months ended
        December 31, 2024, primarily due to a decrease in general and administrative expenses primarily due to the non-recurrence of the asset impairment charges of $77 million, lower compensation and benefits costs stemming from the actions taken to
        optimize costs which continued in the three months ended March 31, 2025, lower FDIC insurance costs as a result of a lower asset base and lower brokered deposits due to the sale of our Mortgage Operations during the three months ended December 31,
        2024, and the continued execution of our cost savings initiatives.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Comparison to Prior Year to Date</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Total non-interest expenses decreased $167 million compared to the three months ended
        March 31, 2024, primarily due to lower compensation and benefits costs stemming from the actions taken to optimize costs which continued in the three months ended March 31, 2025, a $39 million decrease in general and administrative expenses
        primarily due to the sale of our Mortgage Business, the continued execution of our cost saving initiatives, and lower merger-related expenses. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">10</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Income Tax Benefit</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table summarizes our income tax benefit and effective tax rate for the
        respective periods:</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify">
      <table id="zdc13290052544add89bd6a2c6e9fdb04" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:32.379%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.619%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.619%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.619%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.619%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.625%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Three Months Ended,</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="9">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March&#160;31, 2025 compared to (%):</font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">March
                31, 2025</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">December
                31, 2024</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">March
                31, 2024</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December
                31, 2024</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March
                31, 2024</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Income tax (benefit)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(21)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(50)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(54)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(58)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(61)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Effective tax rate</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">17.8&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">21.3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14.3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">We compute our tax benefit for interim periods by applying the estimated annual
        effective tax to year-to-date (Loss) before income taxes and adjust for discrete items that occur in the quarter. For the three months ended March 31, 2025, we were unable to make a reliable estimate of our estimated annual effective tax rate as a
        result of our expected break-even results for 2025; therefore we used our actual effective tax rate to compute our income tax benefit for the three months ended March 31, 2025.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Comparison to Prior Quarter</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Income tax benefit decreased $29 million compared to the three months ended December
        31, 2024 primarily as a result of the reduction in our pre-tax loss.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Comparison to Prior Year to Date</font></div>
    <div style="text-align:justify;text-indent:36pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Income tax benefit decreased $33 million compared to the three months ended March 31,
        2024 primarily as a result of the reduction in our pre-tax loss, partially offset by the tax effect of the adjustment to the bargain purchase gain recorded net of tax during the three months ended March 31, 2024. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">FINANCIAL CONDITION </font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Loans and Leases</font><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
    <div><br>
    </div>
    <div style="text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table summarizes the composition of our loan portfolio: </font></div>
    <div><br>
    </div>
    <div>
      <table id="z7d202d1d963842c88578a2d5dabba21e" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:56.209%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.695%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.280%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.280%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.452%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="6"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="6"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Percent
                of Loans Held for Investment</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Percent
                of Loans Held for Investment</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-family</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">33,437&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">50.2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">34,093&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">49.9&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial real estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11,510</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">17.3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11,836</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">17.4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">One-to-four

                family first mortgage</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,187</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7.8&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,201</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7.6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial and industrial</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(2)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14,742&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">22.1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15,376&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">22.5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other
                loans</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,716</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2.6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,766</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2.6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                loans and leases held for investment</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">66,592&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">100.0&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">68,272&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">100.0&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Allowance
                for credit losses on loans and leases</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1,168)</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1,201)</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                loans and leases held for investment, net</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">65,424&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">67,071&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans
                held for sale</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">531</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">899</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                loans and leases, net</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">65,955&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">67,970&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Includes Acquisition, Development, and Construction loans.</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(2)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Includes Lease financing. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Total loans and leases held for investment decreased $1.7 billion at </font><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">March&#160;31, 2025 compared to </font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">December&#160;31, 2024, primarily as a result of our continued strategy of diversifying our loan portfolio by reducing our MF, CRE and non-core C&amp;I loan exposure, partially offset by $769 million in
        originations within our C&amp;I portfolio. </font></div>
    <div><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">11</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Loan Maturity and Repricing</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table sets forth loans with adjustable rates ("Option Loans") by year of
        repricing and fixed rate loans ("Non-Option Loans") by year of contractual maturity:</font></div>
    <div style="text-indent:22.5pt"><br>
    </div>
    <div>
      <table id="zde44e32534564aa98feb4cd79b195cab" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:25.069%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.543%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.543%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.519%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.958%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.432%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="27"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-Family</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial
                Real Estate</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Repricing / Contractual Maturity Year</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Option Loans by Repricing Date </font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-Option Loans by Contractual Maturity </font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Option
                Loans by Repricing Date </font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-Option
                Loans by Contractual Maturity </font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2025</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,597&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,530&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,149&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">829&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6,105&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2026</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,072&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,079&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">804&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">626&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6,581&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2027</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7,513&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,166&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">939&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">705&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10,323&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2028</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,775&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,060&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">382&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">943&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7,160&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2029</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,313&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,877&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">242&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">636&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,068&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2030</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">75&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,576&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">210&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,872&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2031+</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">88&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,614&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">807&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,514&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                amounts due or repricing, gross</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">20,433&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12,902&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,532&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,756&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">41,623&#160;</font></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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Excludes Specialty Finance commercial real estate loans and multi-family loans serviced-by-others totaling $454&#160;million and
        $96&#160;million respectively. Amounts presented reflect unpaid principal balance; total amortized cost adjustments were $64&#160;million.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Option loans offer the borrower the ability to reprice to a fixed rate after the
        initial period. If not elected, the loan defaults to variable rate. Option loans in the table are shown as being due in the period the interest rate is subject to change. Non-Option loans are beyond the option date and are reflected by maturity.
        Risks associated with loan repricing are discussed in the Credit Risk section. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Multi-Family Loans </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Our MF loan portfolio decreased $656 million at March&#160;31, 2025 compared to December&#160;31,
        2024, primarily due to our strategic decision to continue to diversify our loan portfolio by reducing our exposure to MF loans.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The majority of our multi-family loans are non-recourse and are secured by rental
        apartment buildings. At March&#160;31, 2025, $18.6&#160;billion or 56 percent of the Company&#8217;s total MF loan portfolio was secured by properties in New York State, many of which are subject to rent regulation laws to varying degrees. The New York Housing
        Stability and Tenant Protection Act of 2019 significantly limits the ability to increase rents on regulated apartments upon vacancy. These limitations may reduce a borrower&#8217;s ability to generate additional revenues on those units to offset higher
        operating expenses due to inflation and the current interest rate environment. This could result in lower net operating income and could impact a borrower&#8217;s ability to satisfy repayment obligations during the term of the loan. In addition, the
        level of income generated by the property may be insufficient to qualify for refinancing at maturity.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">To mitigate our exposure to rent regulated properties, we are curtailing future
        originations of such loans secured by rent-regulated properties. We are no longer utilizing mortgage brokers to refer loan origination opportunities to us. We are focusing originations and renewal retention on borrowers with whom we will have
        broader customer relationships beyond lending. Additionally, we are strategically diversifying our loan portfolio to shift from MF loans to other loan sectors.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Historically, our MF loans may have contained an initial interest-only period; however,
        they were underwritten on a fully amortizing basis, including calculation of the debt service coverage ratio. Whether a borrower qualified for an interest-only period was based on the individual credit profile of the borrower, particularly the
        loan-to-value of the property. Our multi-family loan portfolio had $11.5&#160;billion outstanding with interest-only payments at March&#160;31, 2025. The weighted average interest-only period remaining was 19.3 months as of March&#160;31, 2025, with approximately
        73 percent of these loans entering their amortization period by the end of 2025.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. Although occupancy levels, have historically tended to be stable due to below market rents, rent-regulated loans
        that are repricing are incurring debt service levels, by themselves, that when combined with inflationary pressure on operating costs and limits on the ability to increase rental rates, approach or exceed some properties&#8217; net operating income and
        may require the borrower to support the loan from sources unrelated to the collateral until elevated interest rates subside.</font></div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">12</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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: </font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify">
      <table id="z38f3bf51f1c44ae89ac1486e3fa1dc8e" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:49.338%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.326%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.326%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.157%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.769%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="6"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March
                31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="6"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December
                31, 2024</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="6"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-Family
                Loans</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="6"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-Family
                Loans</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Percent
                of Total</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Percent
                of Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">New York
                City:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Manhattan</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6,098&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">18&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6,246&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">18&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Brooklyn</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,187&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">16&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,375&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">16&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Bronx</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,201&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,272&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Queens</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,492&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,526&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Staten
                Island</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">78&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">98&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                New York City</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">17,056&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">52&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">17,517&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">51&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">New Jersey</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,472&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,509&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Long Island</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">461&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">484&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                Metro New York</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">21,989&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">66&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">22,510&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">66&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other New
                York State</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,117&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,188&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Pennsylvania
              </font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,275&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,375&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Florida</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,549&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,555&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Ohio</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,011&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,007&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">All other
                states</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,496&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,458&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">33,437&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">100&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">34,093&#160;</font></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"><br>
            </td>
            <td 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" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">100&#160;</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Commercial Real Estate</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">At March&#160;31, 2025, commercial real estate loans decreased $326&#160;million compared to
        December&#160;31, 2024, primarily due to our strategic decision to continue to diversify our loan portfolio by reducing our exposure to CRE loans.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">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, including calculation of the debt service coverage ratio. Whether a borrower qualifies for an interest-only period is based on the individual credit profile of
        the borrower, particularly the loan-to-value of the property.</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 112%;">Substantially all CRE loans we originate are non-recourse and are secured by
        income-producing properties such as office buildings, retail centers, mixed-use buildings, and multi-tenanted light industrial properties. Declines in occupancy levels for office space continue to impact borrowers&#8217; net operating income and their
        ability to cover debt service.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table presents an analysis of the property types that collateralize the
        CRE loans in our held-for-investment portfolio:</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify">
      <table id="z980b5ce75cfe4e26b5d9db217c14ddfb" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:43.929%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.496%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.496%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.496%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.499%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="6"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March
                31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="6"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December
                31, 2024</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="6"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial
                Real Estate Loans</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="6"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial
                Real Estate Loans</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Percent
                of Total</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Percent
                of Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Office
                non-owner occupied</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,245&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">20&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,271&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">19&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Retail
                (includes owner and non-owner occupied)</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,899&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">16&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,934&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">16&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Industrial</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,655&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">40&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,984&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">42&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,711&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">24&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,647&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">23&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11,510&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">100&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11,836&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td 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" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">100&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>

      </table>
    </div>
    <div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Includes Acquisition, Development, and Construction loans.</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">13</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table presents a geographical
        analysis of the CRE loans in our held-for-investment loan portfolio:</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify">
      <table id="z2dec36cd56cc464d94dcc9dec07f3379" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:44.952%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.765%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.619%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.788%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.792%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="6"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March
                31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="6"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December
                31, 2024</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="6"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial
                Real Estate Loans</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="6"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial
                Real Estate Loans</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Percent
                of Total</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Percent
                of Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">New York</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,549&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">39&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,634&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">39&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Michigan</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,147&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,220&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">New Jersey</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">737&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">738&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">California</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">774&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">737&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Florida</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">761&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">735&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Pennsylvania</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">299&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">301&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">All other states</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,243&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">28&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,471&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">30&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></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:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11,510&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">100&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11,836&#160;</font></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"><br>
            </td>
            <td 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" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">100&#160;</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>

      </table>
    </div>
    <div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Includes Acquisition, Development, and Construction loans.</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Commercial and Industrial</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Our C&amp;I loan portfolio decreased $634 million at March&#160;31, 2025 compared to
        December&#160;31, 2024, primarily due to a $1.4 billion reduction resulting from our strategic decision to continue to diversify our loan portfolio by reducing our exposure to non-core C&amp;I loans, partially offset by new originations of $769 million.
      </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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, several factors are
        considered, including the purpose, the collateral, and the anticipated sources of repayment. C&amp;I loans are often secured by business assets and personal guarantees of the borrower and include financial covenants to monitor the borrower&#8217;s
        financial stability. We continue to add experienced commercial, corporate and specialized industries banking professionals and credit underwriting and portfolio management personnel which will impact our noninterest expense as we continue to
        strategically diversify our loan portfolio to shift from multi-family loans to other portfolios, most notably C&amp;I.</font></div>
    <div><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Included in our C&amp;I portfolio at March&#160;31, 2025, specialty finance loans and leases
        totaled $3.7 billion, or 5.5 percent of total loans held for investment, reflecting a decrease of $180 million or 5 percent compared to December&#160;31, 2024. The decrease in specialty finance loans is a result of our decision to run off certain
        non-core loans as part of our overall loan portfolio strategy.</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">These loans 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. </font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The specialty finance loans and leases we fund fall into three categories: asset-based
        loans, dealer floor-plan lending and equipment loan and le</font><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">ase financing. Each of these
        credits is secured with a perfected first secur</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">ity interest in, or outright ownership of, the underlying collateral, and
        structured as senior debt or as a non-cancelable lease. As of March&#160;31, 2025, 86 percent of specialty finance loan commitments are structured as floating rate obligations. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">One-to-Four Family Loans</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">One-to-four family loans decreased $14 million at March&#160;31, 2025 compared to
        December&#160;31, 2024, primarily driven by payoffs at par. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">One-to-four family 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. The loan-to-value requirements on our residential first mortgage loans vary
        depending on occupancy, property type, loan amount, and FICO scores. Loans with loan-to-value ratios exceeding 80 percent are required to obtain mortgage insurance. As of March&#160;31, 2025, excluding loans with government guarantees, loans in this
        portfolio had an average current FICO score of 743 and an average loan-to-value ratio of 50 percent.</font></div>
    <div><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">14</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Substantially all loans with government guarantees are insured or guaranteed by the
        Federal Housing Administration 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 the U.S. Department of Housing and Urban Development (if foreclosure timelines are met), which is not paid by the Federal Housing Administration until claimed.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Other Loans </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">At March&#160;31, 2025, other loans decreased $50 million compared to December&#160;31, 2024,
        primarily driven by payoffs at par. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Our home equity portfolio includes home equity
        loans, second mortgage loans, and home equity line of credits. </font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">As of March&#160;31, 2025, loans in this portfolio had an average
        current FICO score of 751.</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Loans Held for Sale </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Loans held for sale at March&#160;31, 2025 decreased $368&#160;million compared to December&#160;31,
        2024, primarily due to the continued run-off of held for sale loans following the sale of our Mortgage Operations and sales of commercial loans, partially offset by mortgage originations during the three months ended March 31, 2025.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">We classify loans as held for sale when we originate or purchase loans that we intend
        to sell and when we change our intent with regard to loans originated as held for investment. Our one-to-four family mortgage loans held for sale are carried at fair value. Other loans held for sale are carried at the lower of amortized cost or
        market. These loans are typically recorded based on recent appraisals less estimated disposal costs. 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.</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Assets Quality Measures </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table presents the Company's asset quality measures at the respective
        dates:</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="zc325400d9bcc4aa8909df639079f6efc" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:67.321%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.958%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.837%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-accrual loans to total loans held for investment</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.93&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3.83&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-performing
                assets to total assets</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3.37&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2.62&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Allowance for credit losses on loans and leases to non-accrual loans</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">35.61&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">45.93&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Allowance for credit losses on loans and leases to total loans held for investment</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1.75&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1.76&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Asset quality information excludes loans with repurchased government guarantees that
        are insured by U.S. government agencies.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">15</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Non-accrual Loans</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table presents our non-accrual loans held for investment by loan type: </font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify">
      <table id="zcfc2018ef2ec4fc9ad95605164f14c7e" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:54.178%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.416%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.386%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.416%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.386%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.418%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></div>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Change</font></div>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-family</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,361&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,755&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">606&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial real estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">589&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">564&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">25&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">One-to-four
                family first mortgage</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">77&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">70&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial and industrial</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">231&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">202&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">29&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other Loans</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">22&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">24&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(2)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:18pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total non-accrual loans</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(2)</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,280&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,615&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">665&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Repossessed
                assets</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(2)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                non-accrual loans and repossessed assets</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,292&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,629&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">663&#160;</font></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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Includes Acquisition, Development, and Construction loans.</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(2)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Excludes $21&#160;million of non-accrual held for sale loans. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Our total non-accrual loans increased $665 million at March&#160;31, 2025 compared to
        December&#160;31, 2024, primarily due to higher non-accrual MF loans as a result of one borrower relationship that was classified as non-accrual during the three months ended March 31, 2025. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Approximately 41 percent of our non-accrual loans are current on their contractual
        payment terms. In determining whether to place a loan on non-accrual we have considered whether a borrower will be able to service its debt under terms expected within the next 18 months based on current collateral and net operating income. Where
        net operating income is below the projected debt service and the collateral value is below the loan amount, we place loans on non-accrual.</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="padding-left:22.5pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table sets forth the changes in non-accrual loans at March&#160;31, 2025: </font></div>
    <div style="padding-left:36pt;text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="z7c17557b9c364c63acc5571008a4753f" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:83.549%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.251%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Balance at December&#160;31, 2024</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,615&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">New non-accrual loans</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">842&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Charge-offs</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(43)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Transferred to held for sale</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(25)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loan payoffs,
                including dispositions and principal pay-downs</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(102)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Restored to
                performing status</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(7)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Balance at March&#160;31, 2025</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,280&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Delinquencies </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="zbf66c892cce54b09a62fb381f2921421" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:57.818%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.619%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.788%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.207%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></div>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Change</font></div>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Loans 30 to 89
                Days Past Due:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-family</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">806&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">749&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">57&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial real estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">85&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">70&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">One-to-four
                family first mortgage</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">28&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">25&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial
                and industrial</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">92&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">110&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(18)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other
                loans</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(2)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total loans
                30-89 days past due</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,020&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">965&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">55&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Includes Acquisition, Development, and Construction loans.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">16</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Allowance for Credit Losses</font></div>
    <div style="text-align:justify;text-indent:36pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table sets forth the allocation of the ACL on loans and leases at each
        period-end: </font></div>
    <div><br>
    </div>
    <div>
      <table id="z46dfe68e9bfe46e6b5b12b97e5fab0db" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:21.853%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.110%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.619%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.373%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.110%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.935%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.380%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Allowance for credit losses</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Allowance as a percent of loans in each portfolio</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans in each portfolio as a percent of total loans</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Allowance for credit losses</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Allowance as a percent of loans in each portfolio</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans in each portfolio as a percent of total loans</font></div>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-family
                loans</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">609&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1.82&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">50.2&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">639&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1.87&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">49.9&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial real estate loans</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">289</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2.51&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">17.3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">304</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2.57&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">17.4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">One-to-four
                family first mortgage loans</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">37</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">0.71&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7.8&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">39</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">0.75&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7.6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial and industrial</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">167</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1.13&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">22.1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">151</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">0.98&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">22.5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other loans</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">66</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3.85&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2.6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">68</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3.85&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2.6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total loans</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,168&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td 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" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1.75&#160;</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td 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" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">100.0&#160;</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,201&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td 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" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1.76&#160;</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td 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" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">100.0&#160;</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Includes Acquisition, Development, and Construction loans.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The ACL on loans and leases decreased $33 million from December&#160;31, 2024 to March&#160;31,
        2025. This decrease is primarily due to lower net charge-offs, our continued focus on credit reviews and the receipt of recent appraisals. Additionally, our ACL balance decreased since December&#160;31, 2024, as result of the on-going strategic
        reduction of our MF, CRE and non-core C&amp;I portfolios. The reduction in our ACL balance was partially offset by the negatively trending macro-economic environment.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The ACL on loans and leases to total loans held for investment ratio decreased to 1.75
        percent at March&#160;31, 2025, compared to 1.76 percent at December&#160;31, 2024. Excluding loans with government guarantees, the allowance for credit losses was 1.76 percent at March&#160;31, 2025, compared to 1.77 percent at December&#160;31, 2024.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Our ACL is determined based on quantitative modeling that incorporates various economic
        forecast scenarios. The key inputs to our quantitative allowance for credit losses models include borrowers' projected debt service based on the most recent financial information available and underlying collateral property values. Property values
        are particularly meaningful for our multi-family and commercial real estate portfolios. Our models consider the entire life of the loan, including both the interest only period of the loan, if applicable, and the amortization period, to assess the
        probability of default and the loss given default. For our multi-family portfolio, we obtain and utilize current and projected geography-specific market information in our forecasts. In estimating the qualitative component of our allowance for
        credit losses, we have adjusted key inputs used by the model on an average basis for certain loans, most notably net operating income and property values to reflect weaknesses in the underlying data, including the recency of appraisal values, and
        the lack of significant loss history in available data, particularly for rent-regulated multi-family loans. We have also considered our recent appraisal experience and the valuation risk present in loans with outstanding appraisals in estimating
        the qualitative component of our allowance for credit losses.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">17</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Charge-offs</font></div>
    <div style="text-indent:22.5pt"><br>
    </div>
    <div style="text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table presents information on the Company's net charge-offs:</font></div>
    <div style="text-indent:36pt"><br>
    </div>
    <div>
      <table id="z0dc309a0b53d43e0943691ff682ac948" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:71.122%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.496%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.498%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:middle" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Three Months Ended,</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March
                31, 2025</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March
                31, 2024</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Charge-offs:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-family</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">80&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial real estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">64&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">One-to-four
                family residential</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial
                and industrial</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">34&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                charge-offs</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">124&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">91&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Recoveries:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-family</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial real estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial
                and industrial</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(6)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(7)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(3)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(2)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                recoveries</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(9)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(10)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net charge-offs </font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">115&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">81&#160;</font></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"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>

      </table>
    </div>
    <div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Includes Acquisition, Development, and Construction loans.</font></div>
    <div style="text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Securities</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;"> </font><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Debt Securities Available-for-Sale</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Debt securities available-for-sale increased $2.4 billion to $12.8&#160;billion, or 13
        percent of total assets, at March&#160;31, 2025, compared to $10.4&#160;billion, or 10 percent of total assets, at December&#160;31, 2024. At March&#160;31, 2025, 24 percent of our portfolio is comprised of floating rate securities.</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">As of March&#160;31, 2025, the net unrealized loss on securities available for sale, net of
        tax, was $560&#160;million, compared to $653&#160;million at December&#160;31, 2024, a decrease of $93 million, reflecting changes in market interest rates.</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">At March&#160;31, 2025, debt securities available-for-sale had an estimated weighted average
        life of 5 years compared to 6 years at December&#160;31, 2024. Mortgage-related securities included in debt securities available-for-sale were $10 billion and $8.6 billion at March&#160;31, 2025 and December&#160;31, 2024, respectively. </font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table summarizes the weighted average yields of debt securities
        available-for-sale for the maturities at March&#160;31, 2025:</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify">
      <table id="z47e6439ee9a54c879504c96f1db3cf87" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:53.285%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.864%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.864%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.864%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.871%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Mortgage-<br>
                Related<br>
                Securities</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">U.S.<br>
                Government<br>
                and GSE<br>
                Obligations</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Corporate and Other Bonds</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Asset-Backed Securities </font></div>
            </td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Debt Securities Available-for-Sale: </font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Due
                within one year</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3.52&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Due
                from one to five years</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3.06&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.13&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5.28&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Due
                from five to ten years</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2.46&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1.61&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5.48&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Due
                after ten years</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.50&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6.42&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5.74&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total debt
                securities available for sale</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.42&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2.62&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5.46&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5.74&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">18</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Deposits </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">We compete for deposits and customers through multiple channels, including our retail
        branch network, our private banking business and mobile and interest bank applications. 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 majority of our deposits are retail in nature (i.e., they are deposits we have gathered through our branches or retail deposits acquired through business combinations); however, we also utilize
        brokered deposits depending on their availability and pricing relative to other funding sources. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table sets forth the weighted average interest rates for each type of
        deposit: </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify">
      <table id="z0eb9cc23ee574cf582c9b3071a76b4eb" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:40.420%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.233%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.110%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.280%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.087%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.402%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.848%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Percent of Total</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Weighted Average Interest Rate</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Percent of Total</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Weighted Average Interest Rate</font></div>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Interest-bearing checking and money market accounts</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">20,809&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">28&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3.10&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">20,780&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">27&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2.89&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Savings accounts</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14,465&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">20&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3.08&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14,282&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">19&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3.22&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Certificates of deposit</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">25,887&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">35&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.60&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">27,324&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">36&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.75&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-interest-bearing accounts</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12,745&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">17&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,484&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">18&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total deposits</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">73,906&#160;</font></td>
            <td 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"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td 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" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">100&#160;</font></td>
            <td 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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3.09&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">75,870&#160;</font></td>
            <td 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"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td 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" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">100&#160;</font></td>
            <td 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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3.12&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Total deposits at March&#160;31, 2025 decreased $2.0 billion compared to December&#160;31, 2024,
        primarily due to the payoff of brokered certificates of deposit reflecting our strategy to reduce higher cost funding and custodial deposits as a result of the sale of our Mortgage Operations during the three months ended December&#160;31, 2024,
        partially offset by an increase in non-service custodial deposits. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table presents the composition of the Company's brokered deposits for the
        periods presented:</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:center">
      <table id="zd69ed629fbc3469c8b8409eec39c86aa" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.976%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:66.108%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.390%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.705%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.390%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.707%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Brokered
                interest-bearing checking and money market accounts</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">244&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">714&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Brokered certificates of deposit </font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,072&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9,510&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total Brokered Deposits</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,316&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10,224&#160;</font></td>
            <td 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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:18pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1) Excludes reciprocal deposits.</font></div>
    <div style="text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table indicates the amount of time deposits, by account, that are in
        excess of $250,000 per depositor by time remaining until maturity:</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="zc2a9c768e5594fa19a2400bf594a7d41" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:67.174%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.543%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.399%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 112%;">3 months or
                less</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,042&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,530&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 112%;">Over 3
                months through 6 months</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,988&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,637&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 112%;">Over 6
                months through 12 months</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,390&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,329&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 112%;">Over 12
                months</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,669&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,099&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 112%;">Total time deposits in excess of $250,000 per depositor</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 112%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 112%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 112%;">11,089&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 112%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 112%;">12,595&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:13.5pt;text-indent:-13.5pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1) Includes brokered deposit accounts. Each brokered deposit account
        has balances in excess of $250,000, the funds are fully insured by the FDIC as each of the ultimate owners of the funds maintain balances below FDIC insurance limits.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">19</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table indicates the amount of custodial deposits by source:</font></div>
    <div style="text-align:justify;text-indent:36pt"><br>
    </div>
    <div style="text-align:justify">
      <table id="z4e43bcd6e3a04dbe887088e1ade39f72" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:67.028%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.543%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.545%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 112%;">Custodial deposits from subservicing relationships</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">947&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 112%;">Non-servicing custodial deposits</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,753&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,651&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 112%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 112%;">4,754&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 112%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 112%;">4,598&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Uninsured Deposits</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">At March&#160;31, 2025, our deposit base included $13.0 billion of uninsured deposits that
        are uninsured or not collateralized by securities or letters of credit. Our uninsured deposits are the portion of deposit accounts that exceed the FDIC insurance limit.</font></div>
    <div><br>
    </div>
    <div style="text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">As of March&#160;31, 2025 total bank liquidity represented 231 percent of our uninsured deposits.</font></div>
    <div style="text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Borrowed Funds </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table summarizes the Company's borrowed funds: </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify">
      <table id="z8aea40d1c4cd4610b760b2000f0fc117" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:70.976%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.496%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.530%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.498%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">December 31, 2024</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Wholesale borrowings:</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">FHLB
                advances</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,150&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,400&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                wholesale borrowings</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,150&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,400&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 10.37pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Junior

                subordinated debentures</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">583&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">582&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 10.37pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Subordinated

                notes</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">445&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">444&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total borrowed
                funds</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14,178&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14,426&#160;</font></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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">At March&#160;31, 2025 total borrowed funds decreased $248 million compared to December&#160;31,
        2024 primarily due to the repayment of $250 million of FHLB advances.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">At March&#160;31, 2025, and December&#160;31, 2024 our wholesale borrowings had $250 million of
        callable features. </font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">See Note 9 - Borrowed Funds, in Item 1, &#8220;Financial Statements and Supplementary Data&#8221;
        for a further discussion of our wholesale borrowings, our junior subordinated debentures and subordinated debt.</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Federal Reserve and Federal Home Loan Bank Stock </font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify">
      <table id="z40d5683520104ae5b53f3321cf8d4c64" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:70.976%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.496%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.530%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.498%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Federal Home Loan Bank stock, at cost:</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:10pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">FHLB-NY stock, at cost</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">587&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">598&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:10pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">FHLB-Indianapolis stock, at cost</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">255&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">329&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total Federal Home Loan Bank stock, at cost:</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">842&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">927&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Federal
                Reserve Bank stock, at cost</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">219&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">219&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Federal Home
                Loan Bank stock and Federal Reserve Bank stock, at cost</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,061&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,146&#160;</font></td>
            <td 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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 112%;">At March&#160;31, 2025, the total FHLB and FRB stock, decreased $85 million, primarily due
        to a reduction in borrowings in the three months ended March 31, 2025. FHLB advances are secured by eligible collateral in the form of loans and securities, under blanket collateral agreements with the FHLB.</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">20</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Bank-Owned Life Insurance (BOLI)</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="z2f19639ddc92422084963ae3ad12da8e" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:70.976%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.496%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.530%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.498%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Bank-owned life insurance</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,615&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,605&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">At March&#160;31, 2025, BOLI increased $10 million due to an increase in the cash surrender
        value of the underlying policies. Bank-owned life insurance is recorded at the total cash surrender value of the policies.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%; text-decoration: underline;">Risk Governance Framework </font></div>
    <div><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The Risk Management Division is responsible for formalizing the Company&#8217;s Risk Appetite
        Statement, which reflects the Board's and Management&#8217;s tolerance for risks and is set in alignment with the budget, strategic and capital plans. Internal controls and ongoing monitoring processes capture and address heightened risks that threaten
        our ability to achieve the Company&#8217;s goals and objectives, including the recognition of safety and soundness concerns and consumer protection. Additionally, key risk indicators are monitored against established risk warning levels and limits, as
        well as elevated risks escalated to the Chief Risk Officer.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">To comprehensively manage our risk exposure, we focus on several critical areas
        outlined below, Credit Risk, Liquidity Risk, Interest Rate Risk and Regulatory Capital. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Credit Risk</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); 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 as described more fully in our Annual Report on Form 10-K for the year ended </font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">December&#160;31, 2024</font><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">. </font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">It is our practice to continually review the risk in our loan portfolio. We receive
        financial information from borrowers annually and in some cases more frequently. We most often receive updated borrower financial information in the second calendar quarter. Upon receipt of the borrower financial information, we perform an analysis
        to determine whether the cash flow from the underlying collateral is sufficient to meet the contractual loan payments, commonly referred to as the debt service coverage ratio. We consider the ability to cover debt service based upon the current
        contractual rate or, when a borrower&#8217;s initial fixed rate period expires in the near future, the lowest contractual rate reset option available under the loan terms using the current level for referenced indices. Loans that do not have a debt
        service coverage ratio of 1.0 or greater are evaluated for a potential downgrade to substandard or non-accrual risk rating. All substandard loans, including non-accrual loans, are appraised at the time of downgrade and are re-appraised annually.
        Based upon this appraisal the loan is evaluated to determine if an adjustment to the carrying amount is required. The largest substandard and non-accrual loans are reported and reviewed with the Risk Assessment Committee at least quarterly.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">At March&#160;31, 2025, $3.4 billion of multi-family loans reached their repricing date.
        Over 75 percent of the loans that repriced from December&#160;31, 2024 to March&#160;31, 2025 are current on their contractual payments. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 112%;">Classified loans reflect the potential that a loss may occur if deficiencies in the
        primary source of repayment are unable to be corrected and borrowers are unwilling or unable to otherwise support the loans. Classified loans at March&#160;31, 2025 and December&#160;31, 2024 were $11.6 billion and $11.5 billion, respectively. The increase
        in classified loans is primarily attributable to one large relationship that was placed on nonaccrual during the three months ended March 31, 2025. Excluding that relationship, the remaining classified loans decreased by $356 million.</font></div>
    <div style="text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">21</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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 there is significant uncertainty about whether we will be able to collect all principal and interest amounts due according to the contractual terms of the loan agreement. When a loan is in
        non-accrual, we cease recording interest income on the loan, previously accrued and uncollected interest is reversed against interest income, and any subsequent interest collected is recorded as a reduction in the loan carrying amount. A loan is
        returned to accrual status only when the loan is current (minimum of six months of payment performance), and we have reasonable assurance that all contractual principal and interest related to the loan will be fully collectible. At March 31, 2025,
        $1.3&#160;billion, or approximately 41 percent, of non-accrual loans were current based on their existing payment terms. </font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">In accordance with our charge-off policy, collateral-dependent loans are written down
        to their current appraised values less costs to sell. 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 support these efforts. Charge-offs of $82 million were recorded on MF and CRE loans at March&#160;31, 2025, primarily driven by appraisals received on those loans.</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">It is our policy to order updated appraisals for all substandard and non-accrual loans
        that are collateralized by multi-family buildings, commercial real estate properties, or land, if the most recent appraisal on file for the property is more than one year old. Appraisals are ordered at least annually until such time as the loan
        becomes pass rated. It is not our policy to obtain updated appraisals for performing loans that are not showing signs of credit weakness. However, appraisals may be ordered for performing loans when a borrower requests an increase in the loan
        amount, a modification in loan terms, an extension of a maturing loan, or when we determine an updated appraisal is needed as a result of our ongoing credit analysis. We evaluate loans that were previously placed on non-accrual at least quarterly
        to determine if additional charge-offs may be needed.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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 environmental assessment of properties classified as other real estate owned before foreclosure and to re-appraise the properties at least 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.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">22</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Liquidity Risk</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">We have established a liquidity risk management framework designed to ensure that the
        Company can meet its funding obligations in daily, business-as-usual and liquidity stress periods. We maintain a Liquidity Risk Policy that has been approved by the Board of Directors and is subject to review at least annually or if there are
        significant changes to our business activity. The Liquidity Risk Policy establishes the Company&#8217;s Risk Appetite and provides guidance for the roles and responsibilities of management and various oversight committees to oversee the liquidity risk
        management framework. The Company also maintains a Contingency Funding Plan (&#8220;CFP&#8221;) which has been approved by the Board of Directors. The CFP provides guidance to plan for potential periods of stress and to navigate actual periods of stress. The
        CFP specifies a series of Early Warning Indicators ("EWI") which we use to monitor funding or market conditions that may indicate a trend toward a period of stress and to provide guiding principles for the Company during a period of stress
        including identifying the operational steps needed to access available and contingent sources of liquidity.</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Our funding primarily stems from a diverse combination of business activities. The
        primary source of funding is the Company&#8217;s retail and institutional deposit base. Customer deposits provide us with a relatively stable, low-cost source of funding. The majority of our customer deposits are covered by FDIC deposit insurance with
        $13.0 billion of deposits that are uninsured or not collateralized by securities or letters of credit, representing 18 percent of our overall deposit base. We also obtain funding through various wholesale funding channels, including $13.2 billion
        of secured borrowings from the FHLB and an active brokered certificates of deposit issuance program with $8.1 billion outstanding as of March&#160;31, 2025.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Our Liquidity Policy defines a limit framework which ensures the Company maintains
        liquidity and funding within our risk appetite. The limits require, among other elements, the Company to maintain a diverse funding profile while limiting concentration of funding by source, counterparty and maturity tenor. The policy also requires
        us to maintain sufficient on-balance sheet liquidity to support funding obligations under a severe, but plausible 30-day liquidity stress scenario. The Company monitors and reports its overall funding and liquidity risk appetite metrics on a daily
        basis and its cash position on an intraday basis.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">We maintain a liquidity buffer of on-balance sheet cash reserves and High-Quality
        Liquid Assets (&#8220;HQLA&#8221;). We also maintain access to secured borrowings from the FHLB and FRB Discount Window. The investment securities the Company considers HQLA are all unencumbered, held as available-for-sale, and are either issued by government
        sponsored entities or are explicitly guaranteed by the U.S. government. We pledge eligible loan collateral with the FRB Discount Window and FHLB New York to support borrowing capacity. The available borrowing capacity with the FRB Discount Window
        and the FHLB, net of credit utilization primarily in the form of advances and letters of credit, is included in our Total Liquidity.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div>
      <table id="zbb77f281df0c456cb4dd7ca4095bda8b" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:64.689%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.712%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.715%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in billions)</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Cash at
                Federal Reserve</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12.0&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15.0&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">High-quality
                Liquid Assets</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10.6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7.9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                On-Balance Sheet Liquidity</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">22.6&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">22.9&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">FHLB
                Available Capacity</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5.8&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6.6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Discount
                Window Available Capacity</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1.6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">0.4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                Liquidity</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">30.0&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">29.9&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Credit Ratings</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">We maintain credit ratings from three rating agencies: Moody&#8217;s, Fitch and Morningstar
        DBRS. Our credit ratings were as follows: </font></div>
    <div><br>
    </div>
    <div>
      <table id="zfd7e6ffcc0de4ef8a96249689bef1617" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:69.075%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.519%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.522%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 112%;">Long-Term
                Issuer Rating:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;text-indent:9pt;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 112%;">Moody's</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">B1</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">B2</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;text-indent:9pt;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 112%;">Fitch</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">BB</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">BB</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;text-indent:9pt;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 112%;">Morningstar DBRS</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">BBB (low)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">BBB (low)</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 112%;">Short-Term
                Deposits Rating:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;text-indent:9pt;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 112%;">Moody's</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">NP</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">NP</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">During the three months ended March 31, 2025, Moody's upgraded our Long-Term Issuer
        rating from B2 to B1.</font></div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">23</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The primary mortgage loan agencies maintain standards that define the criteria that
        must be met for an institution to qualify as an eligible custodial depository for the deposits related to loans owned by those entities, including have an investment grade short-term issuer/deposit rating from Moody&#8217;s or S&amp;P. We are currently
        not in compliance with that criteria. We have received a waiver of these criteria for all of our custodial deposits which could be revoked at any of the agencies' discretion. We have no other direct contractual relationships tied to further
        downgrades in our credit ratings, but may suffer reputational risk that could have an adverse effect on our business should that occur.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Parent Company Liquidity</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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 March&#160;31, 2025, the Parent Company held cash and cash equivalents of $535 million. In addition to operating expenses, debt interest expense, and tax expense/credits, 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. </font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The Parent Company has two primary funding sources for the payment of dividends, share
        repurchases, and other corporate uses: dividends paid to the Parent Company by the Bank; and capital raised through the issuance of equity.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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 without receiving a prior written determination of no supervisory objection from the OCC. In the three months ended March 31, 2025, there were no dividends paid by the Bank to the
        Parent Company. </font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">At March&#160;31, 2025, we believe the Parent Company has sufficient liquidity and capital
        resources to meet its cash flow obligations through 2028.</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Contractual Obligations and Commitments </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. </font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">For example, we offer certificates of deposit with contractual terms to our customers
        and also borrow funds under contract from the FHLB. These contractual obligations are reflected in the Condensed Consolidated Statements of Condition under &#8220;Deposits&#8221; and &#8220;Borrowed funds,&#8221; respectively. At March&#160;31, 2025, we had certificates of
        deposit of $25.9&#160;billion and long-term debt (defined as borrowed funds with an original maturity one year or more) of $11.7&#160;billion. </font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">We also are obligated under certain non-cancelable operating leases on the buildings
        and land we use in operating our branch network and in performing our back-office responsibilities. These obligations are included within Other liabilities within the Condensed Consolidated Statements of Condition and totaled $465&#160;million at
        March&#160;31, 2025 and $463 million at December&#160;31, 2024. </font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">At March&#160;31, 2025, we also had 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. 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. The fees we collect in connection with the issuance of letters of credit are included in &#8220;Fee income&#8221;
        in the Condensed Consolidated Statements of (Loss) Income.</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">At March&#160;31, 2025, our total liquidity position was $30&#160;billion and we expect that our
        funding will be sufficient to fulfill our cash obligations and commitments when they are due both in the short term and long term. </font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">For March&#160;31, 2025, 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.</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">24</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 112%;">Interest Rate Risk</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">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. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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.
      </font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Interest Rate Sensitivity Analysis</font><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;"> </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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 mortgage-backed securities prepayment rates, current market value spreads, and
        deposit decay rates and betas.</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Based on the information and assumptions in
        effect at March&#160;31, 2025, the following table sets forth our EVE, assuming the changes in interest rates noted: </font></div>
    <div style="padding-left:72pt;text-align:justify;text-indent:36pt">
      <table id="z7ebb6ee546ed4c07bf2f2964ba335ae2" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:59.795%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:47.799%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.777%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:49.024%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Change in Interest Rates (in basis
                points)</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Estimated Percentage Change in
                Economic Value of Equity</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">-200 shock</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5.9%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">-100
                shock</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2.3%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">+100
                shock</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(2.1)%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">+200
                shock</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(5.1)%</font></td>
          </tr>

      </table>
      <font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
    <div style="padding-left:72pt;text-align:justify;text-indent:36pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. 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. 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.</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">25</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Based on the information and assumptions in effect at March&#160;31, 2025, 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:</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="padding-left:108pt;text-align:justify;text-indent:24.5pt">
      <table id="z7c4b0e2b7d574185b6e2394becf06b58" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:54.678%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:48.365%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.869%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:48.366%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Change in Interest Rates (in basis points)</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;"> (1)</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Estimated Percentage Change in Future
                Net Interest Income</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">-200 shock</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">0.5%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">-100
                shock</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">0.1%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">+100
                shock</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1.3)%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">+200
                shock</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(2.9)%</font></td>
          </tr>

      </table>
    </div>
    <div style="padding-left:85.5pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); 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.</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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: </font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">In formulating appropriate strategies, the Asset and Liability Management 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. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Our Asset and Liability Management 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. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); 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: </font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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; </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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; </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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 </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">At March&#160;31, 2025, the estimated change in net interest income over the next twelve
        months for a 100 basis point reduction in short term interest rates with no change in long term interest rates is an increase of 1.4 percent and the estimated change for a 100 basis point increase in short term rates is a decrease of 2.4 percent.</font></div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">26</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Regulatory Capital</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The Company is a bank holding company subject to regulation, examination and
        supervision by the Federal Reserve while the Bank is a national bank subject to regulation, examination, and supervision by the Office of the Comptroller of the Currency. Effective October 1, 2023, we became subject to Category IV prudential
        standards which included heightened requirements related to capital, liquidity and risk management, as follows: </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">As a Category IV firm we maintain a capital plan approved by the Board of Directors which includes analysis under various company-derived stress scenarios. The Company
        submitted its 2024 capital plan to the Federal Reserve as required by regulation and received written feedback on the plan and associated governance which it has begun to address as part of the capital planning activities for 2025 and subsequent
        periods. Category IV institutions are subject to a supervisory stress test every other year. The supervisory stress test will first be applicable to the Company in 2026.</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Category IV institutions are required to perform liquidity stress tests that consider the potential impact of market and idiosyncratic stresses over various time horizons, and
        to maintain an on-balance sheet liquidity buffer at least equal to the 30-day stress horizon. The Company maintains the required liquidity buffer and has developed and continues to enhance its liquidity stress capabilities.</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Category IV firms are required to prepare and maintain formal resolution plans for actions to be undertaken in the event of firm failure. The FDIC issued a final rule revising
        the resolution plan requirements effective October 1, 2024. The Company will submit its first resolution plan under the final rule in mid-2025. The Company has a program underway to develop the resolution plan and does not expect any material
        impact to the Company in developing the plan.</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Under regulatory heightened standards, a risk governance framework (the "Risk Governance Framework") is required to be developed and maintained to manage and control the
        risk-taking activities of the firm. Management has developed a written framework and is implementing the various components in an integrated fashion as underlying business processes mature. Heightened standards also require risk limits, metrics,
        and analytics which monitor the size and direction of key risks in the organization. The Company has established risk limits which are monitored by the Board of Directors and continues to enhance related metrics and analytics. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The Bank is subject to the Prompt Corrective Action regulatory capital framework that
        establishes five categories of capital adequacy ranging from &#8220;well capitalized&#8221; to &#8220;critically undercapitalized.&#8221; An institution&#8217;s capital category affects various matters, including legal requirements for regulators to take prompt corrective
        action and the level of a bank&#8217;s Federal Deposit Insurance Corporation deposit insurance premium assessments. Capital amounts and classifications are also subject to the regulators&#8217; qualitative judgments about the components of capital and risk
        weighting assets, among other factors, and the regulators have discretion to require that institutions maintain capital in excess of minimum levels.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The quantitative measures established to ensure capital adequacy require that banks and
        bank holding companies 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). As of
        March&#160;31, 2025, our capital measures continued to exceed the minimum federal requirements for a bank holding company and for a bank. The following tables set forth the common equity tier 1, tier 1 risk-based, total risk-based, and leverage capital
        amounts and ratios for the Company on a consolidated basis and for the Bank on a stand-alone basis, as well as the respective minimum regulatory capital requirements, as of the dates shown: </font></div>
    <div style="margin-top:12pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table presents the Company's regulatory capital position:
      </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="z62a70af7fc4142289bdb6d5a4424d7d0" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.976%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:30.362%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.762%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:6.728%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.390%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.762%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:6.728%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.390%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.762%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:6.728%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.390%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.762%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:6.736%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="24"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Risk-Based
                Capital</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">March 31, 2025</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="6"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Common
                Equity Tier 1</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="6"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Tier 1</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="6"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="6"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Leverage
                Capital</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Ratio</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Ratio</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Ratio</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Ratio</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total capital</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7,904&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11.90&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,408&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12.65&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10,132&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15.25&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,408&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8.45&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Minimum for
                capital adequacy purposes</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,990&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.50&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,987&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6.00&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,316&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8.00&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,979&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.00&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Excess</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,914&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7.40&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,421&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6.65&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,816&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7.25&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,429&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.45&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">December
                31, 2024</font></td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total capital</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7,997&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11.83&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,501&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12.57&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10,238&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15.14&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,501&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7.68&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Minimum for
                capital adequacy purposes</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,043&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.50&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,057&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6.00&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,409&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8.00&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,428&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.00&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Excess</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,954&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7.33&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,444&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td 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" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6.57&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,829&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7.14&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,073&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td 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" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3.68&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">27</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center;text-indent:36pt"><br>
      </div>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The increase in our capital ratios from December&#160;31, 2024 was primarily a result of
        lower risk-weighted assets due to a reduction in Loans and leases held for investment. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table presents the Bank's regulatory capital position: </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="zb6c18dc26dd2481a93f287b3d907ee39" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.415%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:28.164%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.723%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:6.694%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.388%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.723%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:6.694%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.388%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.723%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:6.105%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.388%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.752%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.758%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="24"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Risk-Based
                Capital</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">March 31, 2025</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="6"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Common
                Equity Tier 1</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="6"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Tier 1</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="6"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="6"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Leverage
                Capital</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Ratio</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Ratio</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Ratio</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Ratio</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total capital</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,857&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13.36&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,857&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13.36&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9,691&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14.62&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,857&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8.91&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Minimum for
                capital adequacy purposes</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,984&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.50&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,978&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6.00&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,305&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8.00&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,977&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.00&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Excess</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,873&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8.86&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,879&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7.36&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,386&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6.62&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,880&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.91&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">December
                31, 2024</font></td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total capital</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,912&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13.21&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,912&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13.21&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9,760&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14.47&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,912&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8.05&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Minimum for
                capital adequacy purposes</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,036&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.50&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,048&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6.00&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,398&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8.00&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,426&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.00&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Excess</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,876&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8.71&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,864&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td 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" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7.21&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,362&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6.47&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,486&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td 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" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.05&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">At March&#160;31, 2025, our total risk-based capital ratio exceeded the minimum requirement
        for capital adequacy purposes by 725 basis points and the fully phased-in capital conservation buffer by 475 basis points. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">At March&#160;31, 2025, 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. </font></div>
    <div style="text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Other Recent Developments</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">We identified certain material weaknesses in management's report on internal control
        over financial reporting included within Item 9A of our Annual Report on Form 10-K for the year ended December&#160;31, 2024. Our progress toward remediation as of March&#160;31, 2025 is discussed within Item 4 of this Form 10-Q. We do not expect the
        operational costs to remediate these material weaknesses to be material to the condensed consolidated financial statements.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div>
      <table id="z684a2171536e4d35bd8d2cc3ec387d24" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.864%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:87.936%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 700; line-height: 100%;">ITEM 1.</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 700; line-height: 100%;">FINANCIAL STATEMENTS</font></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"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">28</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Condensed Consolidated Statements of Financial Condition</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(unaudited)</font></div>
    </div>
    <div style="text-align:center"><br>
    </div>
    <div>
      <table id="zd4d8334283f148c6b56f0b793edea3cb" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:71.560%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.350%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.206%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions,
                except per share data)</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(unaudited)</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">ASSETS:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Cash and
                cash equivalents</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12,614&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15,430&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Securities:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:5pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Debt Securities available-for-sale </font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12,826</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10,402</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Equity

                investments with readily determinable fair values, at fair value</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total securities</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12,840</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10,416</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans held for sale</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">531</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">899</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans and leases held for investment, net of deferred loan fees and costs </font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">66,592</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">68,272</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Less: Allowance for credit losses on loans and leases, held for investment</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1,168)</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1,201)</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total loans
                and leases held for investment, net</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">65,424</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">67,071</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Federal
                Home Loan Bank stock and Federal Reserve Bank stock, at cost</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,061</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,146</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Premises
                and equipment, net</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">486</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">562</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Core
                deposit and other intangibles</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">459</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">488</font></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Bank-owned
                life insurance</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,615</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,605</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other
                assets</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,598</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,543</font></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Total
                assets</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">97,628&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">100,160&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">LIABILITIES
                AND STOCKHOLDERS' EQUITY:</font></td>
            <td style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Deposits:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Interest-bearing

                checking and money market accounts</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">20,809&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">20,780&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Savings
                accounts</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14,465</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14,282</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Certificates
                of deposit</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">25,887</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">27,324</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-interest-bearing


                accounts</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12,745</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,484</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                deposits</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">73,906</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">75,870</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Borrowed
                funds:</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:5pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Wholesale borrowings</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,150</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,400</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Junior

                subordinated debentures</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">583</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">582</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Subordinated

                notes</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">445</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">444</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                borrowed funds</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14,178</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14,426</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other
                liabilities</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,390</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,696</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total liabilities</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">89,474&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">91,992&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commitment and contingencies (refer to Note 17) </font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Mezzanine
                equity:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:5pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Preferred stock - Series B</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Stockholders'
                equity:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Preferred stock - Series A and D </font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">503</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">503</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Common stock at par 0.01 (666,666,666 and 666,666,666 shares authorized; 422,502,724 and 422,416,178</font></div>
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">shares issued; and 415,021,890 and 414,934,628 shares outstanding, respectively)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Paid-in
                capital in excess of par</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9,286</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9,282</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(Accumulated deficit)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(875)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(763)</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Treasury stock, at cost (7,480,834 and 7,481,550 shares, respectively)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(212)</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(219)</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Accumulated other comprehensive loss, net of tax</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(553)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(640)</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total

                stockholders&#8217; equity</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,153</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,167</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:5pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total liabilities, mezzanine and stockholders&#8217; equity</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">97,628&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">100,160&#160;</font></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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">See accompanying notes to the consolidated financial statements.</font></div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">29</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:54pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Condensed Consolidated Statements of (Loss) Income</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(unaudited)</font></div>
    </div>
    <div style="text-align:center">
      <table id="zf538e1101d1a4e87a35b5a7102cce798" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.684%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:81.566%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.344%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.392%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.198%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Three Months Ended March 31,</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions,
                except per share data)</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2024</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">INTEREST
                INCOME:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans
                and leases</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">860&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,193&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Securities
                and money market investments</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">304&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">320&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total interest
                income</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,164&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,513&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">INTEREST
                EXPENSE:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Interest-bearing

                checking and money market accounts</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">167&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">232&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Savings
                accounts</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">111&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">47&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Certificates
                of deposit</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">308&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">291&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Borrowed
                funds</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">168&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">319&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total interest
                expense</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">754&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">889&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net
                interest income</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">410&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">624&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Provision for credit losses</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">79&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">315&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net
                interest income after provision for credit loan losses</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">331&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">309&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">NON-INTEREST
                INCOME:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Fee
                income</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">22&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">34&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Bank-owned
                life insurance</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net
                return on mortgage servicing rights</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">21&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net
                gain on loan sales and securitizations</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">20&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net loan administration income</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">16&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Bargain
                purchase gain</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(121)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">31&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">29&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                non-interest income</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">80&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">NON-INTEREST
                EXPENSE:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Operating
                expenses:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Compensation
                and benefits</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">244&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">333&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">FDIC insurance</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">50&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">50&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Occupancy
                and equipment</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">55&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">52&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">General
                and administrative</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">147&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">186&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                operating expense</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">496&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">621&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Intangible
                asset amortization</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">28&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">35&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Merger-related
                and restructuring expenses</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">43&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                non-interest expense</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">532&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">699&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(Loss) before income taxes</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(121)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(381)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Income tax (benefit)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(21)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(54)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net (loss)</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(100)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(327)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Preferred
                stock dividends</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net (loss) attributable to common stockholders</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(108)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(335)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Basic (loss) per common share</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(0.26)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1.36)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Diluted (loss) per common share</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(0.26)</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1.36)</font></td>
            <td 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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">On June 27, 2024, the Company announced a 1 for 3 reverse stock split, effective July 11, 2024. This reverse stock split is
        reflected retroactively in all periods presented. See Note 1 - Organization and Basis of Presentation.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">See accompanying notes to the consolidated financial statements.</font></div>
    <div style="height:27pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">30</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Condensed Consolidated Statements of Comprehensive (Loss) Income</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(unaudited)</font></div>
    </div>
    <div style="text-align:center"><br>
    </div>
    <div><br>
    </div>
    <div>
      <table id="zb966de2359f44b989d0a401627805524" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:72.876%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.619%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.621%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Three Months Ended March 31,</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2025</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2024</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net (loss)</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(100)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(327)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other comprehensive (loss) income, net of tax:</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Debt securities available for sale</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">93&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(70)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Pension and post-retirement obligations</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Cash flow hedges</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(7)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">51&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total other comprehensive (loss) income, net of tax</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">87&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(18)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total comprehensive (loss), net of tax</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(13)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(345)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Income tax expense (benefit) of items included in other comprehensive income:</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Debt securities available for sale</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">33&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">23&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Pension and post-retirement obligations</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Cash flow hedges</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(2)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(23)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">See accompanying notes to the consolidated financial statements</font></div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">31</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;"> Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;"> Condensed Consolidated Statements of Changes in Stockholders' Equity</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 700; line-height: 120%;">(unaudited)</font></div>
    </div>
    <div style="margin-top:5pt;text-align:center"><br>
    </div>
    <div style="margin-top:5pt;text-align:center"><br>
    </div>
    <div style="margin-top:5pt;text-align:center">
      <table id="z53548d3678564862a206c07a675b51f7" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.415%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:22.723%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.135%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.388%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.576%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.388%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:5.958%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.388%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:4.929%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.388%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.870%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.388%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:5.223%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.388%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.900%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.388%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.576%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.388%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:6.406%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions,
                except share data)</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Shares Outstanding</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Preferred Stock A (Par Value: $0.01)</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Common Stock (Par Value: $0.01)</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Paid-in Capital in excess of Par</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(Accumulated deficit)/Retained Earnings</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Treasury Stock, at Cost</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Accumulated Other Comprehensive
                Loss, Net of Tax</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Total Stockholders&#8217; Equity</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Preferred Stock Mezzanine (Par Value: $0.01)</font></div>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Balance at
                December 31, 2024</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">414,934,628</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">503&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">4&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">9,282&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(763)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(219)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(640)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">8,167&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Shares
                issued for restricted stock, net of forfeitures</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">463,831</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(11)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">11&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Compensation
                expense related to restricted stock awards</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">15&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">15&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Net (loss)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(100)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(100)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Dividends paid on common stock ($0.01)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(4)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(4)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Dividends paid on preferred stock ($15.94), Series B ($3.33)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(8)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(8)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Purchase of
                common stock</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(376,569)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(4)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(4)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Other
                comprehensive income, net of tax</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">87&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">87&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Balance at
                March 31, 2025</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">415,021,890&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">503&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">4&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">9,286&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(875)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(212)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(553)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">8,153&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr style="height:15pt">
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Balance at December 31, 2023</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 4.55pt; font-weight: 400; line-height: 100%; position: relative; top: -2.44pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">240,688,790</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">503&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">8,236&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">443&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(218)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(599)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">8,367&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Issuance of mezzanine preferred stock Series B, net (192,062 shares)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">258&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Issuance of mezzanine preferred stock Series C, net (256,307 shares)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">337&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Issuance of Common Shares for the Conversion of Series C preferred, net</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 4.55pt; font-weight: 400; line-height: 100%; position: relative; top: -2.44pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">2,250,333&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Issuance of Common Shares for March 2024 capital raise</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 4.55pt; font-weight: 400; line-height: 100%; position: relative; top: -2.44pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">25,543,655&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">101&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">102&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Issuance of
                warrants to purchase common shares</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">302&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">302&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Shares issued for restricted stock, net of forfeitures</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 4.55pt; font-weight: 400; line-height: 100%; position: relative; top: -2.44pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(86,865)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(1)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Compensation
                expense related to restricted stock awards</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Net (loss)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(327)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(327)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Dividends paid on common stock ($0.15)</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 4.55pt; font-weight: 400; line-height: 100%; position: relative; top: -2.44pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(35)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(35)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Dividends paid on preferred stock ($15.94)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(8)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(8)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Purchase of common stock</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 4.55pt; font-weight: 400; line-height: 100%; position: relative; top: -2.44pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(300,714)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(8)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(8)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Other
                comprehensive loss, net of tax</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(18)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(18)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Balance at March 31, 2024</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 4.55pt; font-weight: 400; line-height: 100%; position: relative; top: -2.44pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td 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" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">268,095,199&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">503&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">8,653&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">73&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(225)</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">(617)</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">8,390&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">595&#160;</font></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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-top:5pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">On June 27, 2024, the Company announced a 1 for 3 reverse stock split, effective July 11, 2024. This reverse stock split is
        reflected retroactively in all periods presented. See Note 1 - Organization and Basis of Presentation.</font></div>
    <div style="margin-top:5pt;text-align:justify"><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">See accompanying notes to the consolidated financial statements.</font></div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">32</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:58.5pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Condensed Consolidated Statements of Cash Flows</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 700; line-height: 120%;">(unaudited)</font></div>
    </div>
    <div>
      <table id="zef62c0dbec174c039eb66bcc4c277660" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:69.952%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.081%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.083%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Three Months Ended March 31,</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2025</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2024</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">CASH FLOWS
                FROM OPERATING ACTIVITIES:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net (loss)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(100)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(327)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Adjustments to reconcile net income to net cash used in operating activities:</font></div>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Provision for credit losses</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">79&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">315</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amortization
                of intangibles</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">28&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">35</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Depreciation</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amortization
                of discounts and premiums, net</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">32&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">49&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net gain on sales of loans and securitizations</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(13)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(20)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Bargain purchase gain adjustment</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">121&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Stock-based

                compensation</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Deferred
                tax expense</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(26)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(75)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Changes in
                operating assets and liabilities:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Increase in other miscellaneous assets</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(85)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(31)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Decrease in other miscellaneous liabilities</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(641)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(476)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Change
                in loans held for sale, net</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">110&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">98&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net cash used in operating activities</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(590)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(294)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">CASH FLOWS
                FROM INVESTING ACTIVITIES:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Proceeds
                from repayment of securities available for sale</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">375&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">627&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Proceeds from sales of securities available for sale including loans that have
                  been securitized</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">271&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">123&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Purchase
                of securities available for sale</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(2,669)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(812)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Redemption
                of Federal Home Loan Bank stock</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">86&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Purchases
                of Federal Home Loan Bank and Federal Reserve Bank stock</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(163)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Proceeds
                from bank-owned life insurance, net</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net proceeds from sales of MSR's</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">61&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other changes in loans, net</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,525&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,151&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Purchases of premises and equipment</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(12)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(38)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net cash (used in) provided by investing activities</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(425)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,960&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">CASH FLOWS
                FROM FINANCING ACTIVITIES:</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net decrease in deposits</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1,967)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(6,672)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net decrease (increase) in short-term borrowed funds</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(250)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,959&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Proceeds
                from long-term borrowed funds</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10,800&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Repayments
                of long-term borrowed funds</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(8,301)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net receipt of payments of loans serviced for others</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">336&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Cash
                dividends paid on common stock</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(4)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(8)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Cash
                dividends paid on preferred stock</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(8)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(35)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Proceeds from common stock and warrants issued, net</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">413&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Proceeds from preferred stock issued, net</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">595&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Payments
                relating to treasury shares received for restricted stock award tax payments</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(4)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(8)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net cash used in financing activities</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1,897)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(247)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net (decrease) increase in cash, cash equivalents, and restricted cash</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;"> </font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(2,912)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,419&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Cash, cash equivalents, and restricted cash at beginning of period</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;"> </font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15,559&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11,609&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Cash, cash equivalents, and restricted cash at end of period</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12,647&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,028&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Supplemental
                information:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Cash
                paid for interest</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">817&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">777&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Cash
                paid for income taxes</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-cash
                investing and financing activities:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Transfers
                to repossessed assets from loans</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Securitization of loans to mortgage-backed securities available for sale</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">271&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">123&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Transfer
                of loans from held for investment to held for sale</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">273&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,072&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Shares
                issued for restricted stock awards</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">See accompanying notes to the consolidated financial statements.</font></div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">33</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Note 1 - Organization and Basis of Presentation</font></div>
    <div><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Organization </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Flagstar Financial, Inc. (on a stand-alone basis, the &#8220;Parent Company&#8221; or, collectively
        with its subsidiaries, the &#8220;Company&#8221;, "our" 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. Effective October 25, 2024, our Board of Directors approved and adopted an amendment to our Amended and Restated Certificate of Incorporation, changing our name to Flagstar Financial, Inc. Additionally,
        our common stock which is traded on the New York Stock Exchange ceased trading under the ticker symbol "NYCB" and commenced trading under the ticker symbol "FLG." </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); 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 Office of the Comptroller of the Currency.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Flagstar Bank, N.A. operates approximately 400 locations across nine states, with
        strong footholds in the greater New York/New Jersey metropolitan region and in the upper Midwest, along with a significant presence in fast-growing markets in Florida and the West Coast.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Basis of Presentation </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The accompanying condensed consolidated financial statements include the accounts of
        the Company and other entities in which the Company has a controlling financial interest. The accompanying financial statements of the Company conform to U.S. generally accepted accounting principles and to general practices within the banking
        industry. The preparation of financial statements in conformity with U.S. generally accepted accounting principles 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 condensed consolidated financial statements, and the reported amounts of revenues and expenses during the reporting period. Estimates are used primarily in connection with the determination of
        the allowance for credit losses.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The condensed consolidated financial statements should be read in conjunction with the
        audited consolidated financial statements and notes included on our Form 10-K for the year ended December 31, 2024. Except for per share or otherwise specified amounts, all amounts presented within the tables below are stated in millions. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">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 9 - Borrowed Funds,&#8221; for additional information regarding these
        trusts. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">When necessary, certain reclassifications have been made to prior-year amounts to
        conform to the current-year presentation. On July 11, 2024, a previously announced reverse stock split of the Company's issued and outstanding shares of common stock at a ratio of 1-for-3 took effect. In accordance with ASC 260-10-55-12, the
        Company has adjusted the number of shares, per-share computations and the computations of basic and diluted earnings per share retroactively for all periods presented in the financial statements and related notes.</font></div>
    <div style="text-align:justify;text-indent:36pt"><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Note 2 - Computation of Earnings per Common Share</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%; text-decoration: underline;">Earnings per Common Share (Basic and Diluted) </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Earnings per Common Share is calculated under the two-class method as the unvested
        restricted stock awards granted by the Company are considered participating securities due to the awards non-forfeitable rights to dividends paid on our common stock. Under the two-class method all earnings, distributed and undistributed, are
        allocated to common stock and participating securities based on their respective rights to receive dividends on our common stock.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Basic and diluted earnings per share are computed by dividing Net income attributable
        to common stockholders by the weighted-average common shares outstanding in the period. Diluted earnings per share is computed by giving effect to all potentially dilutive securities that are outstanding. The potential dilutive effect of our
        warrants and convertible preferred stock is determined using the if-converted method and the potential dilutive effect of our stock options and stock-based awards is </font></div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">34</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">determined using the treasury stock method. Potentially dilutive common shares are excluded from the
        computation of diluted earnings per share in periods where the effect would be antidilutive.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table reflects basic and diluted weighted average shares and net income
        (loss) per share:</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify">
      <table id="zd60cecd0290b4ce0a325573b51237c77" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:70.683%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.496%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.937%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Three Months Ended March 31,</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2025</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2024 </font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net (loss) attributable to common stockholders</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(108)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(335)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Less: Income allocated to participating securities</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(Loss) attributable to common stock</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(108)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(335)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Weighted average common shares outstanding</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">414,824,158</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">246,682,592</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Basic (loss) per common share</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(0.26)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1.36)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(Loss) attributable to common stock</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(108)</font></td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(335)</font></td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Weighted average common shares outstanding</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">414,824,158</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">246,682,592</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Dilutive potential common shares</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total shares for diluted earnings per common share computation</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">414,824,158&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">246,682,592&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Diluted (loss) per common share and common share equivalents</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(0.26)</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1.36)</font></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"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">On June 27, 2024, the Company announced a 1 for 3 reverse stock split, effective July 11, 2024. This reverse stock split is
        reflected retroactively in all periods presented. See Note 1 - Organization and Basis of Presentation.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">35</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Note 3 - Accumulated Other Comprehensive Loss</font></div>
    <div><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The table below summarizes the changes in Accumulated other comprehensive loss, net of
        tax:</font></div>
    <div style="text-indent:22.5pt"><br>
    </div>
    <div>
      <table id="zcb5de3f84c1a436db5eb6edd1862eb2f" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:51.970%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.426%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.449%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.958%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:6.945%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Debt Securities AFS</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Cash Flow Hedges</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Pension and Post-retirement Plans</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total</font></div>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Balance as of December 31, 2024</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(653)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">47&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(34)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(640)</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other comprehensive income (loss) before reclassification, net of tax</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">93</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">93</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amounts reclassified from AOCI, net of tax</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(7)</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(6)</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#160;&#160;&#160;Other comprehensive income (loss), net of tax</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">93</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(7)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">87</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Balance as of March 31, 2025</font></div>
            </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:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(560)</font></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:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </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:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">40&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(33)</font></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:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(553)</font></td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table id="z408be65e9c74416cb387c19d26cec5fd" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:51.970%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.426%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.449%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.958%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:6.945%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Debt Securities AFS</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Cash Flow Hedges</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Pension and Post-retirement Plans</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total</font></div>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Balance as of December 31, 2023</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(581)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(28)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(599)</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other comprehensive income (loss) before reclassification, net of tax</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(70)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">68</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(2)</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amounts reclassified from AOCI, net of tax</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(17)</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(16)</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#160;&#160;&#160;Other comprehensive income (loss), net of tax</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(70)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">51</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(18)</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Balance as of March 31, 2024</font></div>
            </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:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(651)</font></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:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </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:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">61&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(27)</font></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:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(617)</font></td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table summarizes the amounts reclassified from Accumulated other
        comprehensive loss, net of tax:</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify">
      <table id="zf8dab4b78f0443bf81cd26590d5f6252" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:34.426%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.034%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.034%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:38.522%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="9">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount Reclassified out of Accumulated Other Comprehensive Loss</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;"> (1)</font></div>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Affected Line Item in the
                Condensed Consolidated Statements of (Loss) Income</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2024</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Cash Flow Hedges:</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Realized gain on cash flow hedges</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">23&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Interest expense - Borrowed funds</font></div>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Tax benefit</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(2)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(6)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Income tax (expense)</font></div>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">17&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Pension and Post-retirement Plans:</font></div>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amortization of actuarial losses</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">General and administrative</font></div>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Tax benefit</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Income tax (expense)</font></div>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amounts reclassified from AOCI, net of tax</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">16&#160;</font></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"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Amounts in parentheses indicate expense items. </font></div>
    <div><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">36</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Note 4 - Investment Securities</font></div>
    <div style="text-indent:36pt"><br>
    </div>
    <div style="text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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: </font></div>
    <div style="text-align:justify">
      <table id="z89afa77fb012450ebec42037978190b2" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:46.414%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.987%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.987%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.987%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.402%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.287%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="27"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3">
              <div><br>
              </div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amortized Cost</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Gross
                Unrealized Gain</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Gross
                Unrealized Loss</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Cumulative Amount of Fair Value Hedging Adjustment</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Fair
                Value</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Debt securities available-for-sale</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Mortgage-Related
                Debt Securities:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">GSE CMOs</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9,096&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">53&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">405&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,744&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">GSE
                certificates</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,254&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">145&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,110&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Private
                Label collateralized mortgage obligations</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">156&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">162&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                mortgage-related debt securities</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10,506&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">61&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">551&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10,016&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other Debt
                Securities:</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">GSE
                debentures</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,502&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">261&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,241&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">U. S.
                Treasury obligations</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,002&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,008&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Corporate
                bonds</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">259&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">249&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Asset-backed securities </font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(2)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">232&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">229&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Capital
                trust notes</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">47&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">43&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Foreign
                notes</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">35&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">35&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Municipal
                bonds</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total debt securities</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,082&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">284&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,810&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total debt securities available for sale, net of allowance</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)(3)</font></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:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,588&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">66&#160;</font></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"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">835&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7&#160;</font></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"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12,826&#160;</font></td>
            <td 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"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">As of March&#160;31, 2025, the allowance for credit losses was $3 million. </font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(2)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">At March&#160;31, 2025, substantially all of our debt securities available-for-sale are comprised of securities issued by government
        sponsored entities or are explicitly guaranteed by the U.S. government.</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(3)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Excludes accrued interest receivable of $40&#160;million included in <font style="-sec-ix-hidden:f-533">Other assets</font> in the
        Condensed Consolidated Statements of Condition.</font></div>
    <div><br>
    </div>
    <div>
      <table id="z6b5eb1c8127945e7bb4d44ce2e40fdcb" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:57.525%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.695%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.572%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.695%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.261%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3">
              <div><br>
              </div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amortized Cost</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Gross
                Unrealized Gain</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Gross
                Unrealized Loss</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Fair
                Value</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Debt securities available-for-sale</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Mortgage-Related
                Debt Securities:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">GSE CMOs</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7,724&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">27&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">447&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7,304&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">GSE
                certificates</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,273&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">167&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,106&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Private
                Label collateralized mortgage obligations</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">158&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">163&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                mortgage-related debt securities</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9,155&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">33&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">615&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,573&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other Debt
                Securities:</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">GSE
                debentures</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,502&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">299&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,203&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Corporate
                bonds</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">314&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">308&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Asset-backed securities </font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(2)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">237&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">236&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Capital
                trust notes</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">47&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">42&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Foreign
                Notes</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">35&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">35&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Municipal
                bonds</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total debt securities</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,140&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">317&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,829&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total securities available for sale, net of allowance</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)(3)</font></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:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11,295&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">39&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">932&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10,402&#160;</font></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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">As of December&#160;31, 2024, the allowance for credit losses was $3 million. </font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(2)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">At December&#160;31, 2024, substantially all of our debt securities available-for-sale are comprised of securities issued by government
        sponsored entities or are explicitly guaranteed by the U.S. government.</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(3)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Excludes accrued interest receivable of $35 million included in O<font style="-sec-ix-hidden:f-584">ther assets</font> in the
        Condensed Consolidated Statements of Condition. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">37</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">At March&#160;31, 2025, the Company had $587 million of FHLB-NY stock, at cost and $255
        million of FHLB-Indianapolis stock, at cost. At December&#160;31, 2024, the Company had $598 million of FHLB-NY stock, at cost and $329 million of FHLB-Indianapolis stock, at cost. The Company maintains an investment in FHLB 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 March&#160;31, 2025, the Company had $219 million of Federal Reserve Bank stock, at cost. The Company had $219 million of Federal Reserve
        Bank stock, at December&#160;31, 2024.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">There were no realized gains and losses on sales of available-for-sale securities
        during the three months ended March 31, 2025 and 2024. No available-for-sale securities were sold during the three month periods ended March&#160;31, 2025 and 2024.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table summarizes, by contractual maturity, the amortized cost of
        securities at March&#160;31, 2025:</font></div>
    <div><br>
    </div>
    <div>
      <table id="za091b9715e1f40dc945678980b674cfe" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:38.958%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.449%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.180%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.449%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.572%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.456%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Mortgage- Related Securities</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">U.S. Government and GSE
                Obligations</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Corporate and Other Bonds</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Asset-Backed Securities </font></div>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total</font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">(in millions)</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Available-for-Sale
                Debt Securities:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Due within one
                year</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">80&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">80&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Due from one
                to five years</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">112&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,002&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">222&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,336&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Due from five
                to ten years</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">287&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,502&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">84&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,873&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Due after ten
                years</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10,027&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">40&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">232&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10,299&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total debt securities available for sale, net of allowance </font></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:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10,506&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,504&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">346&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">232&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,588&#160;</font></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"><br>
            </td>
          </tr>

      </table>
      <font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;"> </font></div>
    <div style="text-align:justify;text-indent:36pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table presents debt securities having a continuous unrealized loss
        position for less than twelve months and for twelve months or longer as of March&#160;31, 2025: </font></div>
    <div><br>
    </div>
    <div>
      <table id="z28ed59c231d342a282233b806df6cc44" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:26.823%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.695%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.695%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.695%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.695%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.695%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.695%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.703%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr style="height:12pt">
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" rowspan="2" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Number of Debt Securities </font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Less than Twelve Months</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Twelve Months or Longer</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total</font></td>
          </tr>
          <tr style="height:21pt">
            <td style="padding:0 1pt" colspan="3">
              <div><br>
              </div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Fair
                Value</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Unrealized
                Loss</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Fair
                Value</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Unrealized
                Loss</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Fair
                Value</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Unrealized
                Loss</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Debt securities in a continuous unrealized loss position:</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">GSE
                collateralized mortgage obligations</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">221&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,869&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,829&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">398&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,698&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">405&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">U.S.
                Government agency and GSE obligations</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">33&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,241&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">261&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,241&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">261&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">GSE
                certificates</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">328&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,045&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">145&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,056&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">145&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">U. S.
                Treasury obligations</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,001&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,001&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Corporate
                bonds</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">73&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">175&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">248&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Asset-backed

                securities</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">150&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">165&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Capital
                trust notes</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">34&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">34&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Private
                Label collateralized mortgage obligations</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">16&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">20&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Foreign
                notes</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Municipal
                bonds</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total debt securities in a continuous unrealized loss position</font></div>
            </td>
            <td 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" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">604&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,973&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,505&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">825&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,478&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">835&#160;</font></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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">38</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table presents debt securities having a continuous unrealized loss
        position for less than twelve months and for twelve months or longer as of December&#160;31, 2024: </font></div>
    <div style="text-align:justify;text-indent:36pt"><br>
    </div>
    <div>
      <table id="z690547300d5f449cb0ff62058579659c" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:26.823%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.695%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.695%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.695%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.695%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.695%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.695%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.703%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr style="height:12pt">
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" rowspan="2" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Number of Debt
                Securities </font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Less than Twelve Months</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Twelve Months or Longer</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total</font></td>
          </tr>
          <tr style="height:21pt">
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%; text-decoration: underline;">Fair Value</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Unrealized
                Loss</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Fair
                Value</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Unrealized
                Loss</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Fair
                Value</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Unrealized
                Loss</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Debt securities in a continuous unrealized loss position:</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">GSE
                collateralized mortgage obligations</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">223&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,636&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,822&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">444&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,458&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">447&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">U.S.
                Government agency and GSE obligations</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">33&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,203&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">299&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,203&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">299&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">GSE
                certificates</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">328&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">38&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,040&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">167&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,078&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">167&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Corporate
                bonds</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">308&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">308&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Asset-backed

                securities</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">154&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">154&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Capital
                trust notes</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">33&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">33&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Private
                Label collateralized mortgage obligations</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">17&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">17&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Foreign
                notes</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Municipal
                bonds</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total debt securities in a continuous unrealized loss position</font></div>
            </td>
            <td 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" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">609&#160;</font></td>
            <td 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"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,674&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td 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"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,592&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">929&#160;</font></td>
            <td 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"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7,266&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">932&#160;</font></td>
            <td 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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. Otherwise, we evaluate whether the decline in fair value has
        resulted from credit losses or other factors. If 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 amount to be collected is less than
        the amortized cost, an allowance for credit losses is established for the difference, 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. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">39</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
    </div>
    <div style="margin-top:12pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Note 5 - Loans and Leases</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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 loans held for investment. We report loans held for investment at their amortized cost, which includes the outstanding principal balance adjusted for any unamortized premiums, discounts, deferred fees or fair
        value adjustments for acquired loans:</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div>
      <table id="z4a95e47e6abf45c6bef3c0a6e878cda1" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:43.198%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.788%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.642%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.642%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.646%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="6"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="6"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3">
              <div><br>
              </div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Percent
                of<br>
                Loans<br>
                Held for<br>
                Investment</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Percent
                of<br>
                Loans<br>
                Held for<br>
                Investment</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans and
                Leases Held for Investment:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 10.37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-family</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">33,437&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">50.2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">34,093&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">49.9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:10pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial real estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11,510&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">17.3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11,836&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">17.4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">One-to-four
                family first mortgage</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,187&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7.8&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,201&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7.6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:10pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial and industrial</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12,685&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">19.1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,260&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">19.4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Lease financing, net of unearned income of $162 and $258, respectively</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,057&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3.0&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,116&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3.1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,716&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2.6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,766&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2.6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">Total loans and leases held for investment </font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 120%; position: relative; top: -2.8pt; vertical-align: baseline;">(2)</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">66,592&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">100.0&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">68,272&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">100.0&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Allowance
                for credit losses on loans and leases</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1,168)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1,201)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total loans
                and leases held for investment, net</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">65,424&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">67,071&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans
                held for sale, at fair value</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">531&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">899&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total loans
                and leases, net</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">65,955&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">67,970&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Includes Acquisition, Development, and Construction loans.</font></div>
    <div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(2)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Excludes accrued interest receivable of $264 million and $277 million at March&#160;31, 2025 and December&#160;31, 2024, respectively, which
        is included in O<font style="-sec-ix-hidden:f-813"><font style="-sec-ix-hidden:f-814">ther assets</font></font> in the Condensed Consolidated Statements of Condition. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Loans with Government Guarantees</font></div>
    <div><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Substantially all loans with government guarantees are insured or guaranteed by the
        Federal Housing Administration 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 Federal Housing Administration until claimed. Certain loans within our portfolio may be subject to indemnifications and insurance limits which
        expose us to limited credit risk. The Bank also has a unilateral option to repurchase loans sold and serviced for the Government National Mortgage Association 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 Condensed Consolidated
        Statements of Condition. As of March&#160;31, 2025 and December&#160;31, 2024, loans with government guarantees totaled $373 million and $360 million. </font></div>
    <div><br>
    </div>
    <div><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Loans Held for Sale</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">We classify loans as held for sale when we originate or purchase loans that we intend
        to sell or when we change our intent about holding for investment. Mortgage loans held for sale for which we have elected the fair value option are carried at fair value. Loans originally classified as held for investment for which we had changed
        our intent and are now classified as held for sale are carried at the lower of amortized cost or market. 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.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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 (principal and interest) according to the contractual terms of the loan agreement. When a loan is placed on non-accrual status, we cease
        recording interest income, and any previously accrued and uncollected interest is reversed against interest income. Interest received on non-accrual loans is recorded as a reduction to the the principal outstanding. A loan is only returned to
        accrual status when the loan is current (typically a minimum of six months of payment performance) and we have reasonable assurance that the loan will be fully collectible. When we have reasonable assurance that the loan will be fully collectible,
        then interest payments may be recognized in interest income on a cash basis. As of March&#160;31, 2025 and December&#160;31, 2024 there was no interest income recognized on </font></div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">40</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">non-accrual loans classified as held for sale. At March&#160;31, 2025 and December&#160;31, 2024 we had no loans
        that were 90 days or more past due and still accruing interest.</font></div>
    <div style="margin-top:12pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table is a summary of non-accrual loans held for sale: </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:center">
      <table id="zfc56c7211875403b9ab48ef5e0dd5005" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.245%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:70.328%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.395%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.739%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.395%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.443%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3">
              <div><br>
              </div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-accrual loans held for sale:</font></div>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-family</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">51&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial real estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">215&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">One-to-four

                family first mortgage</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">57&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial and industrial</font></div>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">18&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total non-accrual loans held for sale</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">21&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">323&#160;</font></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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:18pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Includes Acquisition, Development, and Construction loans.</font></div>
    <div style="margin-top:12pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Asset Quality </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="margin-top:6pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Asset quality information excludes loans with repurchased government
        guarantees that are insured by U.S. government agencies.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="margin-top:6pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table presents information regarding the delinquency
        status of the Company&#8217;s loans held for investment at March&#160;31, 2025: </font></div>
    <div style="text-align:justify">
      <table id="zc0a9ff913cc3405bb7773685d28e7fcd" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:42.759%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.350%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.350%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.350%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.355%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3">
              <div><br>
              </div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans 30-89 Days Past Due</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-Accrual Loans</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Remaining</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total Loans Receivable</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-family</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">806&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,361&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">30,270&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">33,437&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial real estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">85&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">589&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10,836&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11,510&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">One-to-four
                family first mortgage</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">28&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">77&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,082&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,187&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial and industrial</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(2)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">92&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">231&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14,419&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14,742&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">22&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,685&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,716&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,020&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,280&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">62,292&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">66,592&#160;</font></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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:18pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Includes Acquisition, Development, and Construction loans.</font></div>
    <div style="padding-left:18pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(2)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Includes lease financing receivables. </font></div>
    <div style="margin-top:12pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table presents information regarding the delinquency
        status of the Company&#8217;s loans held for investment at December&#160;31, 2024: </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="z75fb007e822447db8185d370561c8c5a" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:41.590%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.642%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.642%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.642%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.648%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3">
              <div><br>
              </div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans 30-89 Days Past Due</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-Accrual Loans</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Remaining</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total Loans Receivable</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-family</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">749&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,755&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">31,589&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">34,093&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial real estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">70&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">564&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11,202&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11,836&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">One-to-four
                family first mortgage</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">25&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">70&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,106&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,201&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial and industrial</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(2)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">110&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">202&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15,064&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15,376&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">24&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,731&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,766&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">965&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,615&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">64,692&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">68,272&#160;</font></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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:18pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Includes Acquisition, Development, and Construction loans.</font></div>
    <div style="padding-left:18pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(2)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Includes lease financing receivables. </font></div>
    <div><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">41</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table presents the credit rating by vintage for our loans held for investment as of
        March&#160;31, 2025: </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="zacdfb08956db4d178ae78f5024f0e4cd" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:22.438%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:6.356%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.525%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.525%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.525%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:4.747%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:6.356%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.671%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.695%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:5.490%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr style="height:12pt">
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="33">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Term Loans</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" rowspan="3" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Revolving<br>
                Loans</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" rowspan="3" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Revolving<br>
                Loans Converted to Term Loans</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr style="height:12pt">
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="33">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amortized Cost Basis by Closing Year</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr style="height:21pt">
            <td style="padding:0 1pt" colspan="3">
              <div><br>
              </div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2025</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2024</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2023</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2022</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2021</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Prior To</font></div>
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2021</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Multi-family:</font></div>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Pass</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">16&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">734&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6,553&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,824&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9,495&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">115&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">22,743&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Special
                Mention</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">26&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">610&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">626&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">745&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,007&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Substandard</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">138&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">472&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">972&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,722&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">16&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6,326&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-accrual</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">262&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">339&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,760&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,361&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total Multi-family</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">18&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">898&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7,897&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7,761&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">16,722&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">131&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">33,437&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Year to date gross charge-offs</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(8)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(15)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(57)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(80)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Commercial Real Estate:</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 700; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Pass</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">128&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">514&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,227&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,843&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,080&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,853&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,313&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">151&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9,109&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Special
                Mention</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">75&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">133&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">49&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">96&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">76&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">58&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">487&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Substandard</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">48&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">136&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">85&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">743&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">96&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">211&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,325&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-accrual</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">40&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">38&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">28&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">479&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">589&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total Commercial Real Estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">128&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">520&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,390&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,150&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,242&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,171&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,487&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">422&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11,510&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Year to date gross charge-offs</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(2)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">One-to-Four
                Family</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Pass</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">86&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">340&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">453&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,313&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">814&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">810&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">81&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,900&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Substandard</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">193&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">210&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-accrual</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">19&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">36&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">77&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                One-to-Four Family</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">86&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">343&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">462&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,343&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">828&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,039&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">83&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,187&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Year to date gross charge-offs</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Commercial and Industrial</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 700; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(2)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Pass</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">448&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,281&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,537&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,096&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">739&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,238&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,138&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">329&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,806&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Special
                Mention</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">21&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">35&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">24&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">167&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">272&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Substandard</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">17&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">45&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">53&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">50&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">56&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">202&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">433&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-accrual</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">26&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">157&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">23&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">231&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                Commercial and Industrial</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">451&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,321&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,643&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,330&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">807&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,321&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,516&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">353&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14,742&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Year to date gross charge-offs</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(8)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(10)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(12)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(3)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(34)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Other Loans</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Pass</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">25&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">36&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">32&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">23&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">41&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,402&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">127&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,691&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Special
                Mention</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Substandard</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-accrual</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">22&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total Other
                Loans</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">25&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">36&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">35&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">23&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">45&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,416&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">131&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,716&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Year to date gross charge-offs</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(2)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(2)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(2)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(7)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:18pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Includes Acquisition, Development, and Construction loans.</font></div>
    <div style="padding-left:18pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(2)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Includes lease financing receivables. </font></div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">42</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table presents the credit rating by vintage for our loans held for
        investment as of December&#160;31, 2024: </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="z429a6b7bf745494c957a4aa82e9da298" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:22.438%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:6.356%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.525%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.525%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.525%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:4.747%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:6.356%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.671%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.695%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:5.490%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr style="height:12pt">
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="33">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Term Loans</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" rowspan="3" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Revolving<br>
                Loans</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" rowspan="3" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Revolving<br>
                Loans Converted to Term Loans</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr style="height:12pt">
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="33">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amortized Cost Basis by Closing Year</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr style="height:21pt">
            <td style="padding:0 1pt" colspan="3">
              <div><br>
              </div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2024</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2023</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2022</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2021</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2020</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Prior To</font></div>
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2020</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Multi-family:</font></div>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Pass</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">17&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">700&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6,599&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6,070&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,203&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,997&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">27&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">22,613&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Special
                Mention</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">688</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">694</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">646</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">795</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,838</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Substandard</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">123</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">529</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">868</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,526</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,834</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6,887</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-accrual</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">113</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">144</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">274</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,224</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,755</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total Multi-family</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">19</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">837</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7,929</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7,776</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7,649</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9,850</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">33</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">34,093</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Year to date gross charge-offs</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(28)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(34)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(42)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(204)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(308)</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Commercial Real Estate:</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 700; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Pass</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">542&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,298&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,753&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,106&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">576&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,068&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,597&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">367&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9,307&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Special
                Mention</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">72</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">130</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">69</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">106</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">138</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">120</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">635</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Substandard</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">31</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">179</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">110</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">162</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">723</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">117</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,330</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-accrual</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">37</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">34</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">36</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">447</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">564</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total Commercial Real Estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">544</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,438</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,096</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,321</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">848</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,376</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,840</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">373</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11,836</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Year to date gross charge-offs</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(8)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(81)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(27)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(349)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(466)</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">One-to-Four
                Family</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Pass</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">250&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">521&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,431&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">859&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">178&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">609&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">80&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,930&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Substandard</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">16</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">172</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">201</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-accrual</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">16</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">28</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">70</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                One-to-Four Family</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">251</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">527</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,455</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">871</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">201</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">809</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">85</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,201</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Year to date gross charge-offs</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(7)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(8)</font></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Commercial and Industrial</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 700; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(2)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Pass</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,267&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,609&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,014&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">651&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">450&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">759&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,554&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,164&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14,468&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Special
                Mention</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">17</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">29</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">18</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">119</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">206</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Substandard</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">50</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">72</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">72</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">265</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">500</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-accrual</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">160</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">202</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                Commercial and Industrial</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,300</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,693</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,264</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">736</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">467</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">798</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,940</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,178</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15,376</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Year to date gross charge-offs</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(3)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(20)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(40)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(20)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(19)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(34)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(136)</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Other Loans</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Pass</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">100&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">29&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">32&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,441&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">121&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,741&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Special
                Mention</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1</font></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-accrual</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">19</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">24</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total Other
                Loans</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">100</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">29</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">37</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,461</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">121</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,766</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Year to date gross charge-offs</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(2)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(4)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(4)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(8)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(20)</font></td>
          </tr>

      </table>
    </div>
    <div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Includes Acquisition, Development, and Construction loans.</font></div>
    <div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(2)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Includes lease financing receivables. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The classifications in the preceding tables are the most currently 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 non-accrual loans, which based on existing circumstances, have weaknesses that make collection or liquidation in full highly questionable and improbable. One-to-four family loans are classified based on the
        duration of the delinquency. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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 commercial real estate loans, collateral properties include office buildings, warehouse/distribution buildings, shopping centers, apartment buildings, residential and </font></div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">43</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">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. Commercial real estate loans are impacted by fluctuations in collateral values, as well as the ability of the borrower to obtain permanent financing.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table summarizes the recorded investment of the Company&#8217;s
        collateral-dependent loans held for investment by collateral type as of March&#160;31, 2025:</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="z995b0e1f41ff4a42946fde828dd5a7d5" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:87.350%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.450%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3">
              <div><br>
              </div>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Real Property</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-family</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,470&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial real estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">580&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">One-to-four
                family first mortgage</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">73&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial and
                industrial</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                collateral-dependent loans held for investment</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,127&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Includes Acquisition, Development, and Construction loans.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">At March&#160;31, 2025 and December&#160;31, 2024, the Company had $53 million and $41 million of residential
        mortgage loans in the process of foreclosure, respectively.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Modifications to Borrowers Experiencing Financial Difficulty </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">During the three months ended March 31, 2025 and 2024 there were an immaterial and $26
        million of loans modified to borrowers experiencing financial difficulty. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:center;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table describes the financial effect of the modification made to borrowers
        experiencing financial difficulty:</font></div>
    <div style="text-align:center;text-indent:22.5pt"><br>
    </div>
    <div>
      <table id="z77882f3fb02d4681afcf38005edc88cc" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:45.829%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.443%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.443%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.717%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Interest
                Rate Reduction</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Term Extension</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Weighted-average

                contractual interest rate</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">From</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">To</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Weighted-average Term (in years)</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Three
                Months Ended March 31, 2025</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial real estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1.08</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">One-to-four
                family first mortgage</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9.24&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.24&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1.3</font></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other </font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10.74&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Three
                Months Ended March 31, 2024</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-family</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8.13&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6.95&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">N/A</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial real estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8.08&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6.00&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">N/A</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">One-to-four
                family first mortgage</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.66&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3.76&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15.3</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial
                and industrial</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6.78&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6.50&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">0.3</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11.01&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.76&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1.8</font></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 107%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 107%; padding-left: 8.68pt;">Includes Acquisition, Development, and Construction loans.</font></div>
    <div style="text-indent:22.5pt"><br>
    </div>
    <div style="text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table presents the amortized cost basis of the modifications for borrowers experiencing
        financial difficulty that subsequently defaulted in the first three months of 2025 and were within twelve months of the modification date:</font></div>
    <div style="text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify">
      <table id="zdd7cb3ffc9784bfb9f030f1c081b37c4" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.830%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:37.361%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.391%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.769%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.391%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.692%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.391%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.982%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.391%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.332%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3">
              <div><br>
              </div>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Term Extension</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Principal Forgiveness</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Combination - Interest Rate
                Reduction and Term/Payment Extension/Delay</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total </font></div>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial real estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">One-to-four family first mortgage</font></div>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 107%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 107%; padding-left: 8.68pt;">Includes Acquisition, Development, and Construction loans.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">44</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;"> The following table provides a summary of loan balances at March&#160;31, 2025, which were
        modified during the prior twelve months, by class of financing receivable and delinquency status:</font></div>
    <div style="text-indent:36pt"><br>
    </div>
    <div style="text-align:center">
      <table id="z351a4f06989f435dacafe81d37dfea8b" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.660%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:29.438%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.398%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.414%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.398%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.217%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.398%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.516%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.398%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.523%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3">
              <div><br>
              </div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Current</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">30 - 89
                Past Due</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">90+ Past
                Due</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total</font></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial real estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">One-to-four
                family first mortgage</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial
                and industrial</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1</font></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">17&#160;</font></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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 107%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 107%; padding-left: 8.68pt;">Includes Acquisition, Development, and Construction loans.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table provides a summary of loan balances at March&#160;31, 2024, which were
        modified during the prior twelve months, by class of financing receivable and delinquency status:</font></div>
    <div style="text-align:center"><br>
    </div>
    <div style="text-align:center">
      <table id="z2c514a126e6d46cabd122debb34e971a" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.415%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:30.664%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.388%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.105%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.388%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.929%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.388%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.223%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.388%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.227%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2024</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3">
              <div><br>
              </div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Current</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">30 - 89
                Past Due</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">90+ Past
                Due</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-family</font></div>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial real estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">One-to-four
                family first mortgage</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial
                and industrial</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other</font></div>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">25&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">35&#160;</font></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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 107%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 107%; padding-left: 8.68pt;">Includes Acquisition, Development, and Construction loans.</font></div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">45</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
    </div>
    <div style="margin-top:12pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Note 6 - Allowance for Credit Losses on Loans and Leases</font></div>
    <div style="margin-top:6pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table summarizes activity in the allowance for credit
        losses on loans and leases for the periods indicated: </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="zce919b67ec784545bf68d87a1de83e82" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:39.543%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.695%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.256%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.110%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.256%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.110%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.410%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 700; line-height: 100%;">Multi- Family</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 700; line-height: 100%;">Commercial Real Estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 4.55pt; font-weight: 700; line-height: 100%; position: relative; top: -2.44pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 700; line-height: 100%;">One-to-Four Family First Mortgage</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 700; line-height: 100%;">Commercial and Industrial</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 700; line-height: 100%;">Other</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 700; line-height: 100%;">Total</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Three Months Ended March 31, 2025</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="33"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Balance,
                beginning of period</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">639&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">304&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">39&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">151&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">68&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,201&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Charge-offs</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(80)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(2)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(34)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(7)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(124)</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Recoveries</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Provision
                for (recovery of) credit losses on loans and leases</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">50</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(13)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">44</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">82</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Balance,
                end of period</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">609&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">289&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">37&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">167&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">66&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,168&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Three
                Months Ended March 31, 2024</font></td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Balance,
                beginning of period</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">307&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">402&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">47&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">131&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">105&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">992&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Charge-offs</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(11)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(64)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(11)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(5)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(91)</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Recoveries</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Provision
                for (recovery of) credit losses on loans and leases</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">172</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">144</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(5)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">26</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(33)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">304</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Balance,
                end of period</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">469&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">482&#160;</font></td>
            <td 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"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">42&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">153&#160;</font></td>
            <td 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"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">69&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,215&#160;</font></td>
            <td 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"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 107%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 107%; padding-left: 8.68pt;">Includes Acquisition, Development, and Construction loans.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 112%;">Interest rates remain high as compared to the interest rates in our existing portfolio,
        which continues to put pressure on the ability of certain borrowers with interest rates resetting to cover debt service. When combined with inflationary pressure on operating costs and limits on the ability to increase rental rates, debt service
        levels may approach or exceed some properties' net operating income, which increases the risk of loss. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The allowance for credit losses to total loans and leases held for investment ratio at
        March&#160;31, 2025 and December&#160;31, 2024 was 1.75 percent and 1.76 percent, respectively. Excluding loans with government guarantees, the allowance for credit losses was 1.76 percent at March&#160;31, 2025, compared to 1.77 percent at December&#160;31, 2024. We
        believe that higher interest rates for a longer period of time will have a more significant impact on our loans that will reprice during the reasonable and supportable forecast period. Therefore, we have continued to incorporate a higher
        probability of default related to those loans as they approach their scheduled repricing date in the measurement of our allowance for credit losses.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Our allowance for credit losses is determined based on quantitative modeling that
        incorporates and weighs economic forecast scenarios. The key inputs to our quantitative allowance for credit losses models include borrowers' projected debt service based on the most recent financial information available and underlying collateral
        property values. Property values are particularly meaningful for our multi-family and commercial real estate portfolios. Our models consider the entire life of the loan, including both the interest only period of the loan, if applicable, and the
        amortization period, to assess the probability of default and the loss given default. For our multi-family portfolio, we obtain and utilize current and projected geography-specific market information in our forecasts. In estimating the qualitative
        component of our allowance for credit losses, we have adjusted key inputs used by the model on an average basis for certain loans, most notably net operating income and property values, to reflect weaknesses in the underlying data, including the
        recency of appraisal values, and the lack of significant loss history in available data, particularly for office and multi-family loans and, most notably, rent-regulated multi-family loans.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">As of March&#160;31, 2025 and December&#160;31, 2024, the allowance for unfunded commitments
        totaled $47&#160;million and $50&#160;million, respectively.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The Company charges-off loans, or portions of
        loans, when they 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.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">46</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table presents additional information about the Company&#8217;s non-accrual
        loans at March&#160;31, 2025: </font></div>
    <div><br>
    </div>
    <div style="text-align:justify">
      <table id="z582410af263745e2ab0b3892bdd47842" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:65.274%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.420%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.422%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Recorded Investment</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Related Allowance</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-accrual loans with no related allowance:</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-family</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,563&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial real estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">446</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">One-to-four
                family first mortgage</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">67</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial and Industrial</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">46</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total non-accrual loans with no related allowance</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,123&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-accrual loans with an allowance recorded:</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-family</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">798&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">100&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial real estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">143</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">35</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">One-to-four
                family first mortgage</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial
                and Industrial</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">185</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">53</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other </font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">21</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">20</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total non-accrual loans with an allowance recorded</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,157&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">209&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total non-accrual loans:</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-family</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,361&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">100&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial real estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">589</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">35</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">One-to-four
                family first mortgage</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">77</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial
                and Industrial</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">231</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">53</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">22</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">20</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total non-accrual loans</font></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:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,280&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">209&#160;</font></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"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Includes Acquisition, Development, and Construction loans.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table presents additional information about the Company&#8217;s non-accrual
        loans at December&#160;31, 2024:</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="z5dae8766b7a4460da9c6876238cf4914" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:65.274%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.420%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.422%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Recorded Investment</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Related Allowance</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-accrual loans with no related allowance:</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-family</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,092&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial real estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">429</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">One-to-four
                family first mortgage</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">61</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial
                and Industrial</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">51</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total non-accrual loans with no related allowance</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,636&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-accrual loans with an allowance recorded:</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-family</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">663&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">77&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial real estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">135&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">31&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">One-to-four
                family first mortgage</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial
                and Industrial</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">151</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">21</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">55</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total non-accrual loans with an allowance recorded</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">979&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">164&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total non-accrual loans:</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-family</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,755&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">77&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial real estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">564</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">31</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">One-to-four
                family first mortgage</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">70</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial
                and Industrial</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">202</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">24</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">55</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total non-accrual loans</font></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:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,615&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">164&#160;</font></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"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Includes Acquisition, Development, and Construction loans.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">47</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Note 7 - Leases, Premises and Equipment</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="margin-top:6pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Lessor Arrangements </font></div>
    <div style="margin-top:6pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The Company provides equipment leases through a subsidiary, mainly to
        large, investment-grade corporate clients. These qualify as direct financing leases which are recorded based upon the lease payments, estimated residual values and direct costs, excluding unearned income and uses the implicit interest rate to
        determine the value. Lease terms typically range from 24 to 120 months. The Company bases residual value estimates on asset life, market value, and lessee behavior using industry data and third-party appraisals. At the end of the lease term, the
        lessee can return, renew, or purchase the equipment at its fair market value. Impairment of residual values occurs if the fair value is less than the carrying amount. The Company reviews its direct financing leases for impairment annually. We
        utilize residual value insurance for certain of our direct finance leases. As of March&#160;31, 2025 and December&#160;31, 2024, we had residual value insurance in place on $259 million and $262 million of our leased assets, respectively.</font></div>
    <div style="margin-top:12pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Interest income on lease financing is recorded over the lease term and
        recorded in Loans and leases interest income on the Condensed Consolidated Statements of (Loss) Income. Interest income from direct finance leases was $24 million and $38 million for the three months ended March 31, 2025 and March&#160;31, 2024,
        respectively.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Lessee Arrangements </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The Company has operating leases for offices, branches, equipment and other items,
        generally with terms of 20 years or less. Many of our leases contain options to extend or terminate early and we consider these options when evaluating the lease term to determine if they are reasonably certain to be exercised based on all relevant
        economic and financial factors.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">At lease inception, lease liabilities are recognized in other liabilities based on the
        present value of remaining lease payments, discounted using the Company's incremental borrowing rate if no implicit rate in the lease is available. Right-of-use assets, recognized in other assets, represent the Company&#8217;s right to use an underlying
        asset for the lease term and are initially equal to the lease liability, adjusted for any payments made prior to lease commencement and any lease incentives.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. Operating lease costs were $23 million and $18 million for the three months ended March 31, 2025 and
        March&#160;31, 2024, respectively.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Supplemental balance sheet information related to the Company&#8217;s operating lease
        arrangements is presented below: </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div>
      <table id="zdcb02f1ff7614552a961ab7c7f0dee8b" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:61.180%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.467%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.469%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Operating Leases:</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;"><font style="-sec-ix-hidden:f-1619"><font style="-sec-ix-hidden:f-1620">Operating lease right-of-use assets</font></font></font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">413&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">416&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;"><font style="-sec-ix-hidden:f-1623"><font style="-sec-ix-hidden:f-1624">Operating lease liabilities</font></font></font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">465&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">463&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Weighted
                average remaining lease term</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10.5 years</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10.7 years</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Weighted
                average discount rate %</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.78&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.77&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">48</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="padding-left:18pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Supplemental cash flow information related to the leases: </font></div>
    <div style="text-align:justify">
      <table id="zbbcc469614b048e5ab3e1be51857021c" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:73.607%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.888%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.621%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Three Months Ended March 31,</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2025</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2024</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Cash paid for amounts included in
                the measurement of lease liabilities:</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Operating
                cash flows from operating leases</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">18&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">18&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Premises and Equipment</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The table below presents the Company&#8217;s Premises and equipment:</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify">
      <table id="z5209de9a0587437e95cbe351518385ac" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:67.028%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.543%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.545%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Premises and equipment</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,014&#160;</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,131&#160;</font></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Less: Accumulated depreciation</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(528)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(569)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Premises and equipment, net</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">486&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">562&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Depreciation is included in Occupancy and equipment in the Condensed Consolidated
        Statements of (Loss) Income and amounted to $11 million and $11 million in the three months ended March 31, 2025 and March&#160;31, 2024 respectively. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="margin-top:6pt"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Note 8 - Variable Interest Entities</font></div>
    <div style="margin-top:6pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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.</font></div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">We have no consolidated VIEs as of March&#160;31, 2025 and December&#160;31, 2024. </font></div>
    <div style="margin-top:6pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">In connection with non-qualified mortgage securitization activities, we
        have retained a 5% percent interest in the investment securities of certain trusts. Although we have a variable interest in these securitization trusts, we are not their primary beneficiary. As a result, we have not consolidated the assets and
        liabilities of the VIE in our Condensed Consolidated Statements of Condition. The Bank&#8217;s maximum exposure to loss is limited to our 5% percent retained interest in the investment securities that had a fair value of $162 million as of March&#160;31, 2025
        as well as the standard representations and warranties made in conjunction with the loan transfers. </font></div>
    <div style="margin-top:12pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Note 9 - Borrowed Funds</font></div>
    <div style="margin-top:6pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table summarizes the Company&#8217;s borrowed funds: </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div>
      <table id="zf2c24433c8aa4d22a1f0aba106e25ba5" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:70.976%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.496%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.530%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.498%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3">
              <div><br>
              </div>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Wholesale
                borrowings:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">FHLB
                advances</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,150&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,400&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:10pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Federal Reserve Bank term funding</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                wholesale borrowings</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,150&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,400&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 10.37pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Junior

                subordinated debentures</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">583&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">582</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 10.37pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Subordinated

                notes</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">445&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">444</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total borrowed
                funds</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14,178&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14,426&#160;</font></td>
            <td 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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Our FHLB available capacity has been expanded from overnight funding to 6-month tenor
        on new and rollover of existing advances. Our FHLB available capacity was $5.8 billion and $6.6 billion at March&#160;31, 2025 and December&#160;31, 2024, respectively. On April 15th, 2025, our borrowing tender limit changed from a 6-month tenor on new and
        rollover of existing advances to a 12-month tenor.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Accrued interest on borrowed funds is included in Other liabilities in the Condensed
        Consolidated Statements of Condition and amounted to $49&#160;million and $51 million, respectively, at March&#160;31, 2025 and December&#160;31, 2024. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">49</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">FHLB Advances</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The contractual maturities and the next call dates of FHLB advances outstanding at
        March&#160;31, 2025 were as follows:</font></div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;"> </font></div>
    <div style="text-align:justify">
      <table id="zc0f512ff29184a3dab23a2ca404e2fdf" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:42.321%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.619%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.204%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.473%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.131%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Contractual Maturity</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Earlier of Contractual Maturity or
                Next Call Date</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 100%;">Year</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Weighted Average Interest Rate</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Weighted Average Interest Rate</font></div>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2025</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,500&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.64&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,750&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.56&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2026</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,000&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.87&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,000&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.87&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2027</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,000&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.58&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,000&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.58&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2028</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,400&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.85&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,400&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.85&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2032</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">250&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3.50&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total FHLB
                advances</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,150&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,150&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Our FHLB advances include fixed-rate advances, floating 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. </font></div>
    <div style="text-align:justify;text-indent:36pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Junior Subordinated Debentures</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The Comp</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">any had $610 million at</font><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;"> March&#160;31, 2025 and December&#160;31, 2024, 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. </font></div>
    <div style="margin-top:12pt;text-align:justify;text-indent:22.5pt"><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table presents
        contractual terms of the junior subordinated debentures outstanding at March&#160;31, 2025: </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="zec8e36f534c14912b5ab2d765b65081d" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:39.689%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.280%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.426%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.841%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.204%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.624%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Issuer</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Interest Rate of Capital
                Securities and Debentures</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Junior Subordinated Debentures Amount Outstanding </font></div>
            </td>
            <td style="border-bottom:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Capital
                Securities Amount Outstanding</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Date of Original Issue</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Stated Maturity</font></td>
          </tr>
          <tr style="height:12pt">
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="9"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">New York Community Capital Trust V (BONUSES Units)</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;"> (1)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6.00&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">148&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">141&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">November
                04, 2002</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">November
                01, 2051</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">New York Community Capital Trust X</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;"> (2)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6.16&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">124&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">120&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">December
                14, 2006</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">December
                15, 2036</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">PennFed Capital Trust III</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;"> (2)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7.81&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">31&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">30&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">June 02,
                2003</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">June 15,
                2033</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">New York Community Capital Trust XI</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;"> (2)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6.21&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">59&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">58&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">April 16,
                2007</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">June 30,
                2037</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Flagstar Statutory Trust II </font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(2)(3)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7.81&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">26&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">25&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">December
                26, 2002</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">December
                26, 2032</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Flagstar Statutory Trust III</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;"> (2)(3)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7.81&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">26&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">25&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">February
                19, 2003</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">April 7,
                2033</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Flagstar Statutory Trust IV</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;"> (2)(3)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7.81&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">26&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">25&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">March 19,
                2003</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">March 19,
                2033</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Flagstar Statutory Trust V</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;"> (2)(3)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6.56&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">26&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">25&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">December
                29, 2004</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">January
                07, 2035</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Flagstar Statutory Trust VI</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;"> (2)(3)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6.56&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">26&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">25&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">March 30,
                2005</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">April 7,
                2035</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Flagstar Statutory Trust VII</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;"> (2)(3)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6.31&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">51&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">50&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">March 29,
                2005</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">June 15,
                2035</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Flagstar Statutory Trust VIII</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;"> (2)(3)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6.06&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">26&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">25&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">September
                22, 2005</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">October
                7, 2035</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Flagstar Statutory Trust IX</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;"> (2)(3)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6.01&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">26&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">25&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">June 28,
                2007</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">September
                15, 2037</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Flagstar Statutory Trust X</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;"> (2)(3)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7.06&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">August
                31, 2007</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">September
                15, 2037</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total junior subordinated debentures</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;"> </font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">610&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">589&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); 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. </font></div>
    <div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(2)</font><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Callable at any time. </font></div>
    <div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(3)</font><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Excludes acquisition fair value adjustments o</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">f $27&#160;million.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">50</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Subordinated Notes</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">At March&#160;31, 2025 and December&#160;31, 2024, the
        Company had a total</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;"> of $445&#160;million</font><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;"> and $444&#160;million subordinated notes outstanding, respectively, of fixed-to-floating rate subordinated notes outstanding:</font></div>
    <div>
      <table id="z794f1fa77225426ab0a07c60a364391b" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:2.262%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:22.876%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:23.900%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:21.560%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:22.150%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Date of Original Issue</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Stated Maturity</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Interest Rate</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Original Issue Amount</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">November 6, 2018</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">November 6, 2028</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7.343%</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 13pt 2px 0;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">300</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(2)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">October
                28, 2020</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">November
                1, 2030</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4.125%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 13pt 2px 0;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">150</font></td>
          </tr>

      </table>
    </div>
    <div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); 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</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;"> 6, 2023, the Notes bore interest at an initial rate of 5.90 percent per annum payable
        semi-annually. From and including November 6, 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 Secured Overnight Financing Rate plus 304.16 basis
        points payable quarterly. </font></div>
    <div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(2)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">From and including the date of original issuance, the Notes will bear interest at a fixed rate of 4.125 percent through</font><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;"> October 31, 2025, and a variable rate tied to Secured Overnight Financing Rate
        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. </font></div>
    <div style="margin-top:18pt"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 100%;">Note 10 - Pension Benefits </font></div>
    <div style="margin-top:6pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table sets forth certain disclosures for the Company&#8217;s
        pension plan for the periods indicated: </font></div>
    <div><br>
    </div>
    <div>
      <table id="z0f6e2b50d7d14d11ba090036164b67b9" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:77.262%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.426%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.428%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Three
                Months Ended March 31,</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2025</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2024</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Components of net periodic pension expense (income):</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Interest
                cost</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Expected
                return on plan assets</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(4)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(4)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amortization
                of net actuarial loss</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net periodic expense (income)</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(2)</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(2)</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
          </tr>

      </table>
    </div>
    <div style="padding-left:24.5pt;text-indent:-24.5pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 100%; padding-left: 15.18pt;">Amounts are included in General and administrative expense on the Condensed Consolidated Statements of (Loss) Income</font></div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Note 11 - Federal, State, and Local Taxes</font></div>
    <div><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The applicable income tax benefit was $21 million and $54 million for the three months ended March 31, 2025 and 2024, respectively.
        The effective tax rate for the three months ended March 31, 2025 and 2024 were 17.8 percent and 14.3 percent, respectively. </font></div>
    <div><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">While it is reasonably possible that the amount of the unrecognized tax benefits with respect to certain of the Company's uncertain
        tax positions could increase or decrease during the next twelve months, the Company believes it is unlikely that its recognized tax benefits will change by a material amount during the next twelve months. </font></div>
    <div><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">51</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Note 12 - Stock-Based Compensation</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">We issue stock-based compensation in the form of restricted stock units,
        performance-based stock units, and stock options through the New York Community Bancorp, Inc. 2020 Omnibus Incentive Plan. As of March&#160;31, 2025, we have authorized 7,000,659 shares available for grant. Restricted stock units and performance-based
        stock units are granted at the closing market price on the date of the grant. The Company generally utilizes the Black-Scholes option pricing model to measure the fair value of stock options at the grant date. Forfeitures of restricted stock units,
        performance-based stock units, and stock options are accounted for as they occur.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table presents total stock-based compensation expense and the related tax
        benefit:</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify">
      <table id="z930de0cd5791460a8c9fd62aadc54fa6" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:64.397%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.859%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.860%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:top" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Three Months Ended March 31,</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2025</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2024</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Stock-based compensation expense</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Tax benefit</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2</font></td>
          </tr>

      </table>
    </div>
    <div style="margin-top:12pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%; text-decoration: underline;">Restricted Stock</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The Company granted 3,854,284 shares of restricted stock, with an average fair value of
        $11.78 per share on the date of grant, during the three months ended March 31, 2025. The shares of restricted stock that were granted during the first three months of 2025 vest over a <font style="-sec-ix-hidden:f-1772">one</font> to three year
        period.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table provides a summary of activity with regard to restricted stock
        units (RSUs):</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="z00db703120ec4027a192cde87d472ff1" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:64.397%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.859%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.860%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:top" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Three Months Ended March 31, 2025</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Number
                of Shares</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Weighted
                Average Grant Date Fair Value</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Unvested at
                beginning of year</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7,621,331</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">17.20&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Granted</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,854,284</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11.78&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Vested</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1,027,994)</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">18.48&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Forfeited</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(674,113)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">18.61&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Unvested at
                end of period</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9,773,508</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14.83&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">As of March&#160;31, 2025, unrecognized compensation cost relating to unvested restricted
        stock totaled $119&#160;million. This amount will be recognized over a remaining weighted average period of 2.5 years.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%; text-decoration: underline;">Stock Options</font></div>
    <div style="margin-bottom:12pt;margin-top:12pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table summarizes stock options
        activity for the period indicated:</font></div>
    <div style="text-indent:22.5pt"><br>
    </div>
    <div>
      <table id="z414c5e256c1546bf8f265e9441e37211" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:64.397%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.859%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.860%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Three months ended March 31, 2025</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Number of Options</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Weighted-</font></div>
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Average</font></div>
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Exercise Price per Share</font></div>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Unvested at beginning of year</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12,083,000&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8.69&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Granted</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Vested</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1,750,000)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9.34&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Forfeited</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1,000,000)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9.21&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Unvested at
                end of period</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9,333,000&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8.52&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Exercisable at end of period</font></div>
            </td>
            <td 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" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,000,000&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:12pt;margin-top:12pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 107%;">As of March&#160;31, 2025, the remaining amount of
        unamortized compensation expense relating to stock options totaled $41&#160;million. This amount will be recognized over a remaining weighted average period of 2.1 years.</font></div>
    <div style="text-indent:36pt"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">52</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
    </div>
    <div style="margin-top:12pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Note 13 - Derivative and Hedging Activities and Restricted Cash</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Derivative financial instruments are recorded at
        fair value in Other assets and Other liabilities on the Condensed Consolidated Statements of Condition. The Company's policy is to present our derivative assets and derivative liabilities on the Condensed Consolidated Statements 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.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Derivatives not designated as
        hedging instruments.</font><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;"> The Company maintained 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 mortgage servicing right 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 loans held for sale is managed using corresponding forward sale commitments and U.S. Treasury futures. Changes in the fair value of derivatives not designated as hedging instruments are recognized on the Condensed Consolidated Statements
        of (Loss) Income.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Derivatives designated as
        hedging instruments</font><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">. The Company has historically designated certain interest rate swaps
        as cash flow hedges on overnight Secured Overnight Financing Rates-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 Accumulated other
        comprehensive loss on the Condensed Consolidated Statements of Condition and reclassified into interest expense in the same period in which the hedged transaction is recognized in e</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">arnings. At March&#160;31, 2025, the Company had $40&#160;million (net-of-tax) of unrealized gains related to terminated derivatives that had been in cash flow hedge relationships of forecasted interest
        payments classified as cash flow hedges recorded in Accumulated other comprehensive loss. The Company had $47 million (net-of-tax) of unrealized gains on derivatives previously classified as cash flow hedges recorded in Accumulated other
        comprehensive loss at December&#160;31, 2024. There were </font><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">no</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;"> designated cash flow hedging relationships as of March&#160;31, 2025.</font></div>
    <div style="margin-top:12pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Fair Value Hedges of Interest Rate Risk</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="margin-top:6pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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 previously used 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 involved 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. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Interest rate swaps were previously used to hedge the changes in fair value of certain of our pools of
        prepayable fixed rate assets and beginning in the three months ended March 31, 2025, we began to use interest rate swaps to hedge the changes in fair value of certain debt securities available for sale. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">For derivatives designated and that qualified as fair value hedges, the gain or loss on the derivative as
        well as the offsetting gain or loss on the hedged item attributable to the hedged risk are recognized in interest income within loans and leases or securities and money market investments. The fair value basis adjustments remaining from
        discontinued hedges are recognized in interest income over the remaining life of the hedged items. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">53</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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 Condensed Consolidated Statements of Condition. The following table sets forth information regarding the Company's carrying amounts on our hedged loans: </font></div>
    <div style="text-align:justify">
      <table id="z22ab3d18278441bc87f9b770e8208ce7" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:44.514%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.595%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.519%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.595%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.525%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#160;Carrying
                Amount of Hedged Items </font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#160;Cumulative
                Amount of Fair Value Hedging Adjustments </font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Carrying
                Amount of Hedged Items</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#160;Cumulative
                Amount of Fair Value Hedging Adjustments </font></td>
          </tr>
          <tr style="height:15pt">
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Debt securities available-for-sale</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">993&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans and leases held-for-investment</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(2)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4,245&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(12)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,861&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(18)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">During the three months ended March&#160;31, 2025, the amount recorded in Interest Income - Securities and
        money market investments was immaterial.</font></div>
    <div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(2)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Relates to discontinued hedges on multi-family loans. During the three months ended March&#160;31, 2025 and 2024, the amount recorded
        to Interest Income - Loans and leases was immaterial. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following tables set forth information regarding the Company&#8217;s derivative financial
        instruments:</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div>
      <table id="z1158817e96904ca18537b2c17befac8b" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:52.701%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.034%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.110%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.449%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.454%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">March 31, 2025</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">Fair
                Value</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">Notional Amount</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">Other
                Assets</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">Other
                Liabilities</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">Expiration
                Dates</font></td>
          </tr>
          <tr style="height:12pt">
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">Derivatives
                designated as hedging instruments:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">Interest
                rate swaps </font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">993&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">2028-2029</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">Derivatives not designated as hedging instruments:</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">Rate lock commitments</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 120%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">547&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2025</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">Mortgage-backed securities forwards</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 120%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">281&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2025</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">Interest rate swaps</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 120%; position: relative; top: -2.8pt; vertical-align: baseline;">(2)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">3,234&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">15&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">23&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2025-2041</font></td>
          </tr>

      </table>
    </div>
    <div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">During the three months ended March&#160;31, 2025 and 2024, the amount recorded in Net gain on loan sales
        and securitizations in the Condensed Consolidated Statement of Income was immaterial.</font></div>
    <div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(2)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">During the three months ended March&#160;31, 2025 and 2024, the amount recorded in Non-interest income -
        Other was immaterial.</font></div>
    <div><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">54</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="text-align:justify">
      <table id="z3bd71e0ffaa14a1ea9d30b8428910346" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:52.701%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.034%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.110%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.449%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.454%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Fair
                Value</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Notional Amount</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other
                Assets</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other
                Liabilities</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Expiration Date</font></div>
            </td>
          </tr>
          <tr style="height:12pt">
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">Derivatives not designated as hedging instruments:</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">Rate lock commitments</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">563&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2025</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">Mortgage-backed securities forwards</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">344&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">7&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2025</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">Interest rate swaps</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">3,323&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">15&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 120%;">30&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2024-2041</font></td>
          </tr>
          <tr style="height:12pt">
            <td style="background-color:#ffffff;padding:0 1pt 0 13pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The tables below present the gross derivative assets and liabilities, and the related
        cash pledged as collateral at March&#160;31, 2025 and December&#160;31, 2024. No amounts were netted in the Statement of Condition.</font></div>
    <div style="text-align:justify">
      <table id="z3e927a6f21524071ad95d244d366e1cb" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:66.882%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.566%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.084%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:top" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Gross Amounts Not Offset in the Statements of Condition</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Cash
                Collateral Pledged (Received)</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Derivatives
                not designated as hedging instruments:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Assets</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Interest
                rate swaptions</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                derivative assets</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Liabilities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Mortgage-backed

                securities forwards</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">30&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Interest rate swaps</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;"> (1)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">23&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                derivative liabilities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">26&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">34&#160;</font></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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); 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 day's fair value of open
        positions is considered settlement of the derivative position for accounting purposes.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="z48c47e544f8245bcbed4c604388faea6" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:63.812%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.636%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.084%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:top" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Gross Amounts Not Offset in the Statements of Condition</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Cash
                Collateral Pledged (Received)</font></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Derivatives
                not designated as hedging instruments:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Assets</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Mortgage-backed

                securities forwards</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(2)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Interest
                rate swaptions</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(3)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                derivative assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">22&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(5)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Liabilities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Mortgage-backed

                securities forwards</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:12pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Interest rate swaps</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;"> (1)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">30&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">47&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                derivative liabilities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">32&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">57&#160;</font></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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); 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 day's fair value of open
        positions is considered settlement of the derivative position for accounting purposes.</font></div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">55</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Cash Flow Hedges of Interest Rate Risk </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table presents the effect of the Company&#8217;s cash flow derivative
        instruments on Accumulated other comprehensive loss:</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="zfb4dd43548b84bc6bb6d237014eec2e9" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:67.028%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.543%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.545%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Three Months Ended March 31,</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2025</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2024</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount of gain (loss) recognized in accumulated other comprehensive loss</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">91&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount reclassified from accumulated other comprehensive loss to interest expense</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(9)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(23)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Amounts reported in Accumulated other comprehensive loss related to derivatives will be
        reclassified to interest expense as interest payments are made on our variable-rate borrowings. We will recognize $28&#160;million of lower interest expense over the next rolling twelve month period related to the reclassification. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Derivatives not Designated as Hedging
        Instruments</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table presents the net gain (loss)
        recognized on derivatives not designated as hedging instruments, net of the impact of offsetting positions:</font></div>
    <div>
      <table id="z471e477518554e609aa34e51106203dd" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:43.198%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:24.484%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.666%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.668%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Three Months Ended March 31,</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2025</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2024</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Derivatives
                not designated as hedging instruments</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Income Statement Classification</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Futures</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net return
                on mortgage servicing rights</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Interest
                rate swaps and swaptions</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net return
                on mortgage servicing rights</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(34)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Mortgage-backed

                securities forwards</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net return
                on mortgage servicing rights</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(12)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:5pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Rate lock commitments, MBS forwards, and US Treasury Futures</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net gain on
                loan sales</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(7)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">22&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:5pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Interest rate swaps </font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other
                non-interest income</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(3)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                derivative (loss) gain</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(7)</font></td>
            <td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(25)</font></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"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;"> Includes customer-initiated commercial interest rate swaps.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table provides a reconciliation of cash, cash equivalents and restricted
        cash within the Condensed Consolidated Statements of Condition that sum to the total of the same amounts shown in the Condensed Consolidated Statements of Cash Flows:</font></div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;"> </font></div>
    <div style="text-align:justify">
      <table id="z528d9c7e1e20472d8cd128131c840c2a" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:85.303%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.497%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3">
              <div><br>
              </div>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Cash and cash equivalents</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12,614&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Restricted cash included in other assets</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">33&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total</font></div>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12,647&#160;</font></td>
            <td 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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Note 14 - Intangible Assets</font></div>
    <div><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Finite-lived Intangible Assets</font></div>
    <div><br>
    </div>
    <div style="margin-top:6pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">At March&#160;31, 2025, intangible assets consisted of the following:</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div>
      <table id="zf69232e8a47147b6b447abf7b4f80ce8" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.490%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.473%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.473%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.473%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.473%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.473%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.525%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Gross
                Carrying Amount</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Accumulated

                Amortization</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net
                Carrying Value</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Gross
                Carrying Amount</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Accumulated

                Amortization</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net
                Carrying Value</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Core
                deposit intangible</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">700&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(256)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">444&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">700&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(229)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">471&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other
                intangible assets</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">26</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(11)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">26&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(9)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">17</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total other
                intangible assets</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">726&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(267)</font></td>
            <td 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"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">459&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">726&#160;</font></td>
            <td 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"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(238)</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">488&#160;</font></td>
            <td 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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">56</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Amortization expense for the three months ended March 31, 2025 and the three months
        ended March 31, 2024 were $28 million and $35 million, respectively.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Note 15 - Fair Value Measures</font></div>
    <div style="margin-top:6pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">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 determined based on assumptions that market participants would use in pricing an asset or liability. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Valuation Hierarchy</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">: U.S. generally accepted accounting principles establishes a three-tier fair value hierarchy, which prioritizes the significant inputs used in measuring fair value as
        follows: </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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. </font></div>
    <div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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. </font></div>
    <div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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.</font></div>
    <div style="padding-left:6.5pt;text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">57</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="margin-top:12pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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 March&#160;31, 2025 and December&#160;31, 2024, and that were included in the Company&#8217;s Condensed Consolidated Statements of Condition at those dates: </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="za4111f103e114e8fa87383a009a5e494" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:52.116%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.326%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.326%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.449%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.531%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3">
              <div><br>
              </div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Quoted
                Prices in Active Markets for Identical Assets <br>
                (Level 1)</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Significant
                Other Observable Inputs<br>
                (Level 2)</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Significant

                Unobservable Inputs <br>
                (Level 3)</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                Fair Value</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Assets:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Mortgage-related
                Debt Securities Available for Sale:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">GSE CMOs</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,744&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,744&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">GSE
                certificates</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,110&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,110&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Private
                label collateralized mortgage obligations</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">131&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">31&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">162&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                mortgage-related debt securities</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9,985&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">31&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10,016&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other Debt
                Securities Available for Sale:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">GSE
                debentures</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,241&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,241&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">U.
                S. Treasury obligations</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,008&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,008&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Corporate
                bonds</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">249&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">249&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Asset-backed

                securities</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">229&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">229&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Municipal bonds, foreign notes, and capital trust</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">83&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">83&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total other
                debt securities</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,008&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,802&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,810&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total debt
                securities available for sale</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,008&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11,787&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">31&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12,826&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Equity
                securities:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Mutual
                funds and common stock</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                equity securities</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                securities</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,008&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11,801&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">31&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12,840&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans held
                for sale</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-family</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">328&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">328&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial real estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(2)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">180&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">180&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Derivative
                assets</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Interest rate swaps</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Rate lock commitments</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                assets at fair value</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,008&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12,324&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">35&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,367&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Derivative
                liabilities</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Interest rate swaps</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">23&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">23&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Mortgage-backed

                securities forwards</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Rate lock commitments</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                liabilities at fair value</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">26&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">29&#160;</font></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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">The change in the fair value due to significant unobservable inputs was immaterial.</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(2)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Includes Acquisition, Development, and Construction loans.</font></div>
    <div><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">58</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="z2be8d144e68f401d82d12df8288c44df" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:52.116%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.326%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.326%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.449%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.531%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3">
              <div><br>
              </div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Quoted
                Prices in Active Markets for Identical Assets <br>
                (Level 1)</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Significant
                Other Observable Inputs<br>
                (Level 2)</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Significant

                Unobservable Inputs <br>
                (Level 3)</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                Fair Value</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Assets:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Mortgage-related
                Debt Securities Available for Sale:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">GSE CMOs</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7,304&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7,304&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">GSE
                certificates</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,106</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,106</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Private
                label collateralized mortgage obligations</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">130</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">33</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">163</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                mortgage-related debt securities</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,540&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">33&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">8,573&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other Debt
                Securities Available for Sale:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">GSE
                debentures</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,203&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,203&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Corporate
                bonds</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">308</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">308</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Asset-backed

                securities</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">236</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">236</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Municipal bonds, foreign notes, and capital trust</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">82</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">82</font></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total other
                debt securities</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,829&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,829&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total debt
                securities available for sale</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10,369&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">33&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10,402&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Equity
                securities:</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Mutual
                funds and common stock</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                equity securities</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                securities</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10,383&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">33&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10,416&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans held
                for sale</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-family</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">382&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">382&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Acquisition,

                development, and construction</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">182</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">182&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Derivative
                assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Interest rate swaps</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Mortgage-backed

                securities forwards</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Rate lock commitments</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Mortgage
                servicing rights</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">26&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">26&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                assets at fair value</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10,969&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">62&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11,031&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Derivative
                liabilities</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Interest
                rate swaps and swaptions</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">30&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">30&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Rate lock commitments</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Mortgage-backed

                securities forwards</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                liabilities at fair value</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">32&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">35&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-indent:36pt"><br>
    </div>
    <div style="text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">A description of the methods and significant assumptions utilized in estimating the fair values of
        securities are as follows: </font></div>
    <div style="margin-top:12pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. </font></div>
    <div style="margin-top:12pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. </font></div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">59</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="margin-top:12pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Assets Measured at Fair Value on a Non-Recurring Basis </font></div>
    <div style="margin-top:6pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following tables present assets that were measured at fair value on
        a non-recurring basis as of March&#160;31, 2025 and December&#160;31, 2024: </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="zbe88aab29d754a5e99040f01306c7c91" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:32.379%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.344%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.666%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.250%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.109%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="21">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Fair Value Measurements at March&#160;31, 2025 Using</font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3">
              <div><br>
              </div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Quoted
                Prices in Active Markets for Identical Assets (Level 1)</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Significant
                Other Observable Inputs (Level 2)</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Significant

                Unobservable Inputs (Level 3)</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                Fair Value</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans held for investment</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,166&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,166&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans held for
                sale</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">23&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">23&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other assets</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(2)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">43&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">43&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">23&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,209&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3,232&#160;</font></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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Represents the fair value of impaired loans, based primarily on the value of the collateral less costs to sell.</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(2)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Primarily comprised of equity securities without readily determinable fair values. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div>
      <table id="z0024136ff14a40d68457280080d7568c" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:32.818%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.344%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.274%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.250%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.062%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="21">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Fair Value Measurements at December&#160;31, 2024 Using</font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3">
              <div><br>
              </div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Quoted
                Prices in Active Markets for Identical Assets (Level 1)</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Significant
                Other Observable Inputs (Level 2)</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Significant

                Unobservable Inputs (Level 3)</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                Fair Value</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans held for investment</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,469&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,469&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans held for
                sale</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">335&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">335&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other assets</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;"> (2)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">52&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">52&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">335&#160;</font></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"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,521&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,856&#160;</font></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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Represents the fair value of impaired loans, based primarily on the value of the collateral less costs to sell.</font></div>
    <div style="padding-left:36pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(2)</font><font style="color: rgb(0, 0, 0); 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.</font></div>
    <div style="margin-top:12pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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 market data. </font></div>
    <div style="margin-top:12pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Other Fair Value Disclosures </font></div>
    <div style="margin-top:6pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. </font></div>
    <div style="margin-top:12pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. </font></div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">60</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="margin-top:12pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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 Condensed Consolidated Statements of Condition at March&#160;31, 2025 and December&#160;31, 2024: </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="zce571b90f6fa4996b2dc88d057a3e9c4" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:30.625%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.595%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.449%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.449%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.992%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.449%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:1.970%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.235%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="33"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March
                31, 2025</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Fair
                Value Measurement Using</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3">
              <div><br>
              </div>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Carrying Value</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Estimated Fair Value</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Quoted
                Prices in Active Markets for Identical Assets (Level 1)</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Significant
                Other Observable Inputs (Level 2)</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Significant

                Unobservable Inputs (Level 3)</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Financial
                Assets:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Cash and cash
                equivalents</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12,614&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12,614&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12,614&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">FHLB and FRB stock </font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,061&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,061&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,061&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans and leases held for investment, net</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(4)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">65,424&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">60,840&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">60,840&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Financial
                Liabilities:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Deposits</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">73,906&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">73,923&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">945&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="margin-top:2pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 4.55pt; font-weight: 400; line-height: 100%; position: relative; top: -2.44pt; vertical-align: baseline;">(2)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">72,978&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="margin-top:2pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 4.55pt; font-weight: 400; line-height: 100%; position: relative; top: -2.44pt; vertical-align: baseline;">(3)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Borrowed funds</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14,178&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,979&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,979&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Carrying value and estimated fair value are at cost.</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(2)</font><font style="color: rgb(0, 0, 0); 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.</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(3)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Certificates of deposit.</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(4)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Carrying value and estimated fair value include the impaired loans held for investment.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="ze8864b34dde3483eab40adf241056810" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:31.356%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.595%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.449%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.595%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.992%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.449%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.992%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.236%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="33"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December
                31, 2024</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Fair
                Value Measurement Using</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3">
              <div><br>
              </div>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Carrying Value</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Estimated Fair Value</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Quoted
                Prices in Active Markets for Identical Assets (Level 1)</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Significant
                Other Observable Inputs (Level 2)</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Significant

                Unobservable Inputs (Level 3)</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Financial
                Assets:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Cash and cash
                equivalents</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15,430&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15,430&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15,430&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">FHLB and FRB stock </font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,146</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,146</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,146</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans and leases held for investment, net</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(4)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">67,071</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">61,831</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">61,831</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Financial
                Liabilities:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Deposits</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">75,870&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">75,894&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">48,546&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="margin-top:2pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 4.55pt; font-weight: 400; line-height: 100%; position: relative; top: -2.44pt; vertical-align: baseline;">(2)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">27,348&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="margin-top:2pt"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 4.55pt; font-weight: 400; line-height: 100%; position: relative; top: -2.44pt; vertical-align: baseline;">(3)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Borrowed funds</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14,426</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14,217</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">14,217</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Carrying value and estimated fair value are at cost.</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(2)</font><font style="color: rgb(0, 0, 0); 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.</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(3)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Certificates of deposit.</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(4)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Carrying value and estimated fair value include the impaired loans held for investment.</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;"> </font></div>
    <div style="margin-top:12pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The methods and significant assumptions used to estimate fair values
        for the Company&#8217;s financial instruments follow: </font></div>
    <div style="margin-top:12pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Cash and Cash Equivalents </font></div>
    <div style="margin-top:6pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. </font></div>
    <div style="margin-top:12pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Securities </font></div>
    <div style="margin-top:6pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. </font></div>
    <div style="margin-top:12pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Federal Home Loan Bank Stock </font></div>
    <div style="margin-top:6pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. </font></div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">61</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="margin-top:12pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Loans and leases</font></div>
    <div style="margin-top:6pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Rate lock commitments</font></div>
    <div style="margin-top:12pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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.</font></div>
    <div style="margin-top:12pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Deposits </font></div>
    <div style="margin-top:6pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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 certificates of deposit 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. </font></div>
    <div style="margin-top:12pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Borrowed Funds </font></div>
    <div style="margin-top:6pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. </font></div>
    <div style="margin-top:12pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Off-Balance Sheet Financial Instruments </font></div>
    <div style="margin-top:6pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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 March&#160;31, 2025 and December&#160;31, 2024. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Fair Value Option </font></div>
    <div style="margin-top:12pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">We elected the fair value option for certain items as discussed
        throughout the Notes to the Condensed Consolidated Financial Statements to more closely align the accounting method with the underlying economic exposure. </font></div>
    <div style="margin-top:12pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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:</font></div>
    <div><br>
    </div>
    <div>
      <table id="z803f45c5d8e94bcf9cdd95641cd69d42" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:69.075%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.519%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.522%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3">
              <div><br>
              </div>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Three Months Ended March 31,</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2025</font></div>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2024</font></div>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Assets</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans held
                for sale</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4.37pt;text-align:left;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Net
                gain on loan sales</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></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"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">62</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="margin-top:6pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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:</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="z94695949d6914e08a195b8b7364734b2" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:36.473%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.256%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.280%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.572%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:6.940%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.280%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.579%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3">
              <div><br>
              </div>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Unpaid
                Principal Balance</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Fair
                Value</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Fair
                Value Over / (Under) UPB</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Unpaid
                Principal Balance</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Fair
                Value</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Fair
                Value Over / (Under) UPB</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Assets:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-accrual
                loans:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4.37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans
                held for sale</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 4.37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans

                held-for-investment</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                non-accrual loans</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">3&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">4&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Accrual
                loans:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4.37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans
                held for sale</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">498&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">508&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">553&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">560&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 4.37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans

                held-for-investment</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">67&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">66&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                accrual loans</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">498&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">508&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">620&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">626&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                loans:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4.37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans
                held for sale</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">501&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">511&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">557&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">564&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">7&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 4.37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Loans

                held-for-investment</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">67&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">66&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">(1)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total loans</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">501&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">511&#160;</font></td>
            <td 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"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">624&#160;</font></td>
            <td 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"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">630&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6&#160;</font></td>
            <td 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"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Note 16 - Mezzanine and Stockholders' Equity</font></div>
    <div><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table and paragraphs summarize the Company's preferred stock as of
        March&#160;31, 2025: </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="zcd8f8a17a7eb46b8b085d022dc353c4c" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:509.25pt">

          <tr>
            <td style="width:1.0pt"><br>
            </td>
            <td style="width:70.75pt"><br>
            </td>
            <td style="width:1.0pt"><br>
            </td>
            <td style="width:1.0pt"><br>
            </td>
            <td style="width:70.75pt"><br>
            </td>
            <td style="width:1.0pt"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="width:1.0pt"><br>
            </td>
            <td style="width:70.75pt"><br>
            </td>
            <td style="width:1.0pt"><br>
            </td>
            <td style="width:1.0pt"><br>
            </td>
            <td style="width:70.75pt"><br>
            </td>
            <td style="width:1.0pt"><br>
            </td>
            <td style="width:1.0pt"><br>
            </td>
            <td style="width:70.75pt"><br>
            </td>
            <td style="width:1.0pt"><br>
            </td>
            <td style="width:1.0pt"><br>
            </td>
            <td style="width:70.75pt"><br>
            </td>
            <td style="width:1.0pt"><br>
            </td>
            <td style="width:1.0pt"><br>
            </td>
            <td style="width:70.75pt"><br>
            </td>
            <td style="width:1.0pt"><br>
            </td>
          </tr>
          <tr style="height:29pt">
            <td style="padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 100%;">Preferred Stock Series</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Amount Outstanding</font></div>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Shares Authorized</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Shares Issued</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Shares Outstanding</font></div>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Par Value</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 7pt; font-weight: 400; line-height: 100%;">Liquidation Preference Per Share</font></div>
            </td>
          </tr>
          <tr style="height:45pt">
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">6.375% Fixed-to-Floating Rate Perpetual Noncumulative Series A</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">503&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">5,000,000&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">515,000&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">515,000&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">0.01&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1,000&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr style="height:38pt">
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Fixed Rate Perpetual Noncumulative Convertible Series B</font></div>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">1&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">267,062&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">192,062&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">750&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">0.01&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr style="height:41pt">
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13.00% Fixed Rate Perpetual Noncumulative Convertible Series C</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">523,369&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">0.01&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,000&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr style="height:36pt">
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Non-Voting Common Equivalent Series D</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">0&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">315,000&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">45&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">15&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">0.01&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">0.0001&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Series A Preferred stock</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Each Series A preferred depositary share represents 1/40th interest in a share of the
        Company&#8217;s Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock, with a liquidation preference of $1,000 per share (equivalent to $25 per depositary share). Dividends accrue on the shares at a fixed rate equal to 6.375 percent per
        annum until March 17, 2027, and a floating rate equal to three-month Secured Overnight Financing Rate plus 408.26 basis points per annum beginning on March 17, 2027. Dividends are payable in arrears on March 17, June 17, September 17, and December
        17 of each year, which commenced on June 17, 2017. For the three months ended March 31, 2025, we paid an immaterial amount of dividends on our Series A preferred stock</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">63</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Series B Preferred Stock</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">As of March&#160;31, 2025, Series B Noncumulative Convertible Preferred Stock (the "Series B
        Preferred Stock") represented the right (on an as converted basis) to receive approximately 250,000 shares of our common stock. Series B Preferred Stock shareholders do not have voting rights, except in limited circumstances.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The Series B Preferred Stock is classified in mezzanine equity as it is contingently
        convertible into shares of preferred stock that are redeemable for cash, contingent on events that are not solely in the control of the Company. The Series B Preferred Stock is not remeasured because it is currently not probable that it will become
        redeemable. For the three months ended March 31, 2025, we paid an immaterial amount of dividends on our Series B preferred stock.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Warrants</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Warrants to purchase shares of Series D NVCE Stock, par value $0.01 per share, for an
        initial exercise price of $2,500 per share (collectively, the "Warrants"), were issued in conjunction with the March 2024 capital raise. The Warrants were not exercisable until September 10, 2024 and expire 7 years after issuance. Pursuant to the
        terms of the Warrants, as a result of the dividend paid on shares of our common stock, the exercise price of the Warrants were reduced to $2,486 as of March&#160;31, 2025. At the time of issuance, the Warrants entitled the holders thereof to receive an
        aggregate of 315,000 shares of Series D NVCE Stock (subject to net settlement of shares) upon exercise of the Warrants. The 315,000 shares of Series D NVCE Stock are convertible into 105,000,000 shares of common stock at a strike price of $7.46 per
        share, as adjusted for dividends, as of March&#160;31, 2025.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Note 17 - Commitments and Contingencies</font></div>
    <div><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%; text-decoration: underline;">Pledged Assets</font></div>
    <div><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The Company pledges securities to serve as collateral for its repurchase agreements and
        Federal Reserve Bank borrowings, among other purposes. We had pledged investment securities of $12.5&#160;billion and $10.2&#160;billion at March&#160;31, 2025 and December&#160;31, 2024, respectively. In addition, the Company had $38&#160;billion of loans pledged between
        the FHLB-NY and the Federal Reserve Bank to serve as collateral for its wholesale borrowings as of March&#160;31, 2025, compared to $44.6 billion of loans pledged at December&#160;31, 2024. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%; text-decoration: underline;">Loan Commitments and Letters of Credit</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">In the normal course of business, we have various commitments outstanding 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, which are not included on our Condensed Consolidated Statements of Financial Condition.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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: </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div>
      <table id="z600e4eb1cd7c4cc58e6b4ed227532e84" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:66.632%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.615%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.381%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.872%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3">
              <div><br>
              </div>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March 31, 2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">December 31, 2024</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Multi-family and Commercial real estate</font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 5.2pt; font-weight: 400; line-height: 100%; position: relative; top: -2.8pt; vertical-align: baseline;">(1)</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,176&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,478&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">One-to-four
                family including interest rate locks</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">547&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">725&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Other loan
                commitments</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9,757&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9,837&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total loan
                commitments</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">12,480&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,040&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Commercial,
                performance stand-by, and financial stand-by letters of credit</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">776&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">803&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total
                commitments</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,256&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></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"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13,843&#160;</font></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"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>

      </table>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); font-size: 8pt; font-weight: 400; line-height: 120%; padding-left: 8.68pt;">Includes Acquisition, Development, and Construction loans.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. The fees we collect in connection with the
        issuance of letters of credit are included in Fee income in the Condensed Consolidated Statements of (Loss) Income.</font></div>
    <div style="text-align:justify;text-indent:36pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">These instruments involve, to varying degrees, elements of credit and interest rate
        risk beyond the amount recognized on the Condensed Consolidated Statements of Condition. Our exposure to credit losses in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby
        letters of credit is represented by the </font></div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">64</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">contractual amount of those instruments. The contractual amount of standby letters of credit represents
        the maximum potential amount of future payments the Company could be required to make and represents the Company&#8217;s maximum credit risk. We utilize the same credit policies in making commitments and conditional obligations as we do for balance sheet
        instruments.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;"> </font><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%; text-decoration: underline;">Legal Proceedings</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The Company is involved in various legal actions arising in the
        ordinary course of its business, including stockholder class and derivative actions. The outcome of pending or threatened litigation, or of investigations or any other matters before regulatory agencies is uncertain, whether currently existing or
        commencing in the future, including with respect to any litigation, investigation or other regulatory actions related to (i) the business and disclosure practices of acquired companies, including our acquisition of Flagstar Bancorp and the purchase
        and assumption of certain assets and liabilities of Signature, (ii) the capital raise transaction we completed in March of 2024, (iii) the material weaknesses in internal control over financial reporting disclosed in our most recent Annual Report
        on Form 10-K, (iv) past cyber security breaches, and (v) recent events and circumstances involving the Company, including our full year 2023 earnings announcement, disclosures regarding credit losses, provisioning and goodwill impairment, and
        negative news and expectations about the prospects of the Company (and associated stock price volatility and changes). </font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">We have established an accrual related to the legal actions where we
        believe that a loss is probable, and the amount can be reasonably estimated. When we can do so, we also determine estimates of reasonably possible losses or ranges of reasonably possible losses, whether in excess of any related accrued liability or
        where there is no accrued liability. We currently estimate the range of reasonably possible losses in excess of amounts accrued at March 31, 2025 is immaterial. </font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">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, investigations or regulatory proceedings, (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 such litigation, or as a result of its involvement in such investigations
        or regulatory proceedings, 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.</font></div>
    <div style="margin-bottom:12pt;text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Signature Bridge Bank</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">On March 20, 2023, the Company&#8217;s wholly owned bank subsidiary,
        Flagstar Bank, entered into a Purchase and Assumption Agreement (the &#8220;Agreement&#8221;) with the Federal Deposit Insurance Corporation (&#8220;FDIC&#8221;), as 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;). In connection with the Signature Transaction, Flagstar Bank assumed all of Signature&#8217;s branches. Flagstar Bank acquired only certain parts of Signature it believed to be financially and
        strategically complementary that were intended to enhance the Company&#8217;s future growth.</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Pursuant to the terms of the Agreement, Flagstar Bank was not
        required to make a cash payment to the FDIC on March 20, 2023, as consideration for the acquired assets and assumed liabilities. Any items identified that affected the bargain gain were recorded in the period they were identified as a result of
        ongoing discussion that impacted the assets and liabilities acquired or assumed through the three months end March 31, 2024. Due to the complexity of the transaction that included only certain assets and liabilities of Signature and the servicing
        agreement, which ceased on March 20, 2024, Flagstar Bank remains engaged with the FDIC regarding the net settlement of historical activity. This is expected to take time to resolve and may result in net settlement payments to or from the FDIC which
        could impact other income or expense which, although not expected, could be material to the financial statements in future periods.</font></div>
    <div><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Note 18 - Segment Reporting</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;"> </font></div>
    <div><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The Company&#8217;s chief operating decision maker is the Chief Executive Officer. The
        Company has evaluated its operating structure and determined that it operates in one reportable segment, which constitutes its only operating segment. The Company&#8217;s chief operating decision maker regularly evaluates the performance of the business
        as a whole, with financial results reviewed on a consolidated basis.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Given the current focus on the Company&#8217;s operations, products, and services, the chief
        operating decision maker does not assess performance or make operating decisions based on distinct geographic or product line divisions as the focus has been on consolidated cost measures and realigning business operations to ensure long-term
        profitability. A current focus of the chief </font></div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">65</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">operating decision maker is on the primary revenue sources and the costs of the organization. Therefore,
        the chief operating decision maker considers each element of noninterest expense in decision making about how to allocate the resources of the company. Additionally, the chief operating decision maker is focused on the key consolidated revenue
        sources, most notably net interest income, which led to the decision to sell certain portions of our business and certain loan portfolios. The Company's significant revenues and expenses are reported on the face of the Condensed Consolidated
        Statements of (Loss) Income. As a result, the Company&#8217;s financial performance is reviewed as a single operating segment. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Critical Accounting Estimates</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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 Condensed Consolidated Financial Statements and the Notes,
        are described in detail in Note 2 of our Form 10-K for the year ended December&#160;31, 2024. These policies relate to: (a) the determination of our allowance for credit losses and (b) fair value measurements. We believe the judgment, estimates and
        assumptions used in the preparation of our Condensed Consolidated Financial Statements and the Notes are reasonable; however, due to the inherent uncertainties in developing estimates, actual results could differ from the original estimates,
        requiring adjustments to these balances in future periods.</font></div>
    <div style="text-indent:36pt"><br>
    </div>
    <div>
      <table id="z6b7e65b6cb5741e6bae99db3c591c464" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.864%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:87.936%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 700; line-height: 100%;">Item 3.</font></td>
            <td style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 700; line-height: 100%;">Quantitative and
                Qualitative Disclosures about Market Risk</font></td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Our most significant risks include interest rate risk and market risk. For more
        information regarding interest rate risk please refer to the "Interest Rate Risk" section of the "Management's Discussion and Analysis of Financial Condition and Results of Operations" section of this Form 10-Q. There have been no changes with
        regard to our market risk disclosed in "Interest Rate Risk" in Part II, Item 7. Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations of the Company&#8217;s Annual Report on Form 10-K for the year ended December&#160;31, 2024.
      </font></div>
    <div><br>
    </div>
    <div style="text-align:justify">
      <table id="zcab577a3fed649b4af6baf09c2fd4a00" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.864%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:87.936%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 700; line-height: 100%;">Item 4.</font></td>
            <td style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 700; line-height: 100%;">Controls and Procedures</font></td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Evaluation of Disclosure Controls and Procedures </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Under the supervision of our Chief Executive Officer and Chief Financial Officer,
        Management evaluated the effectiveness of 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, as amended (the &#8220;Exchange Act&#8221;). Management concluded its disclosure controls and procedures were not effective as of March&#160;31, 2025, due to the material weaknesses in its system of Internal Control over Financial Reporting, as described
        below. Notwithstanding the material weaknesses, Management evaluated its disclosure controls and procedures, and concluded the financial statements included in this report fairly present, in all material respects, the Company&#8217;s financial position,
        results of operations, capital position, and cash flows, for the periods presented, in conformity with U.S. generally accepted accounting principles.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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 designed to ensure information required to be disclosed in the reports 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 activities designed to ensure 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, to allow timely decisions regarding required disclosure.</font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Material Weaknesses in Internal Control over Financial Reporting</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">A material weakness is a deficiency, or combination of deficiencies, in Internal
        Control over Financial Reporting, such that there exists a reasonable possibility a material misstatement in the annual or interim financial statements may not be prevented or detected on a timely basis. Management has previously identified the
        following material weaknesses in its system of Internal Control over Financial Reporting.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Risk assessment</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">: 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 independent Credit Review, that were responsive to changes in the business operations and regulatory and economic environments in which the Company operates.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">66</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 112%;">Monitoring</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 112%;">: Our recurring monitoring activities over process level control activities, including independent Credit Review, were not operating effectively.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 112%;">Control activities</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 112%;">: We did not sufficiently maintain effective control activities related to independent Credit Review processes and certain loan data reconciliations. Specifically, our independent Credit Review
        process controls were ineffective as the Company lacked the consistent application of an appropriate framework to validate that the ratings were accurate, timely, and appropriately challenged. These ineffective controls impact the Company's ability
        to accurately disclose loan rating classifications, identify problem loans, and ultimately recognize the allowance for credit losses on loans and leases.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">As a result of these ineffective risk assessment, monitoring, and control activities,
        the Board of Directors were not able to exercise sufficient oversight.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">These control deficiencies create a reasonable possibility that a material misstatement
        to the condensed consolidated financial statements may 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.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Remediation Status of Reported Material Weaknesses</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The Company continues actively 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 of the material weaknesses, including governance and oversight of its system of Internal Control over
        Financial Reporting.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 112%;">In early 2024, the Company appointed several new members to the Board of Directors with extensive
        experience as financial experts in our industry and backgrounds in risk management, including a new Lead Independent Director, a new Chairman of the Audit Committee and a new Chairman of the Risk Assessment Committee. The frequency of Audit
        Committee meetings increased substantially during 2024, with both Audit and Risk Assessment Committees dedicating sessions to evaluating credit risk in the portfolio. In addition, the Audit Committee dedicates sessions to discuss the Company&#8217;s
        allowance for credit losses methodology and results.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Management has identified, and is implementing, the following actions to address the
        material weakness in our risk assessment processes:</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Appointed a Chief Risk Officer, a Chief Credit Officer and a new Senior Director of Credit Review, all with large commercial bank credit experience. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Enhancing the depth and breadth of our Independent Credit Review program to make the necessary changes in scoping approach, risk assessment and related processes, and
        elevating the overall stature of the Independent Credit Review function. We have improved the experience-level of the personnel performing credit reviews.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Management has taken the following actions to address the material weakness in our
        monitoring activities:</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Increased the frequency and nature of reporting from our Independent Credit Review function and First-Line Business Units to the Board&#8217;s Risk Assessment Committee in support
        of the Boards' risk oversight role.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Management has identified, and is implementing, the following actions to address the
        material weakness in our control activities:</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Arial',sans-serif; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); 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 analyses prepared by First-line Business Units.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Arial',sans-serif; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Increased the Credit Review team's ability and elevated its stature within the organization to independently challenge risk rating methodologies and results.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Arial',sans-serif; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Assessed the adequacy of staffing levels and expertise within the Independent Credit Review function, considering the size, complexity, and risk profile of the loan portfolios. Management
        has enhanced the expertise and capacity of the Independent Credit Review function. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Arial',sans-serif; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Providing comprehensive risk rating process training to all employees involved in the lending and credit review processes.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">67</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Flagstar Financial, Inc.</font></div>
      <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">Notes to the Condensed Consolidated Financial Statements (unaudited)</font></div>
      <div><br>
      </div>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Arial',sans-serif; font-weight: 400; line-height: 112%;">&#8226;</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 112%; padding-left: 14.5pt;">Enhancing processes to identify and assess risks associated with estimating the allowance for credit losses and improving data governance processes.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">While we believe our actions will be effective in remediating the material weaknesses,
        we continually assess the need for additional remediation actions. The material weaknesses will not be remediated until the remediation activities are in place, with applicable procedures and evidence to support sustainability, and Management
        concludes, based on validation testing, the remedial efforts are effective. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Changes in Internal Control</font><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;"> </font><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">over Financial Reporting</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Except for the actions noted above related to remediation of the Company's material
        weaknesses, there have been no changes in the Company&#8217;s system of 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 three months ended March 31, 2025 to which this
        report relates, which materially affect, or are reasonably likely to materially affect, the Company&#8217;s system of Internal Control over Financial Reporting. </font></div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">68</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">PART&#160;II - OTHER INFORMATION</font></div>
    <div style="text-align:center"><br>
    </div>
    <div>
      <table id="zdad38ef800e3475cb27d281d448b4165" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.864%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:87.936%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 700; line-height: 100%;">Item 1.</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 700; line-height: 100%;">Legal Proceedings</font></td>
          </tr>

      </table>
    </div>
    <div style="text-indent:36pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The Company is involved in various legal actions arising in the ordinary course of its
        business. Except as set forth below, 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.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The Company and certain former executive officers of the Company and certain current
        and former directors of the Company have been named as defendants in a consolidated purported shareholder class action captioned </font><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Lemm, Jr. v. New York Community Bancorp, Inc., et al.</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">, 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 July 27, 2022 and ending on February 29, 2024. On December 19, 2024, another
        purported shareholder of the Company filed an additional purported shareholder class action, captioned </font><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Garfield

        v. Flagstar Financial, Inc. et al., </font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Case No. 1:24-cv-08655, in the United States District Court for the Eastern District of
        New York</font><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;"> </font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">against the Company and certain current and former directors and executive officers of the Company. This additional purported class action alleges substantially the same claims as those set forth in the </font><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Lemm </font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">complaint and the plaintiff has filed a motion to consolidate this matter with the </font><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Lemm </font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">matter. The Company is vigorously defending the allegations set forth in the purported class action complaints and also intends to
        vigorously defend any related actions.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The Company and certain former executive officers of the Company and certain current
        and former directors of the Company have also been named as defendants in a consolidated shareholder class action captioned </font><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">In re New York Community Bancorp</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;"> filed in the Commercial Division of the Supreme Court of New York State.
        This matter relates to two separate actions brought by two different purported shareholders of the Company, which were consolidated into a single matter on October 8, 2024. The action seeks unspecified compensatory damages to be proven at trial and
        alleges substantially the same claims as those set forth in the </font><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Lemm </font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">complaint. The court has stayed this matter pending the resolution of the </font><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Lemm </font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">matter. The Company is vigorously defending this action and
        also intends to vigorously defend any related actions</font><font style="background-color: rgb(182, 182, 182); color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The Company&#8217;s former President and Chief Executive Officer and former Senior Executive
        Vice President and Chief Financial Officer, as well as all of the Company&#8217;s directors as of January 31, 2024, have also been named as defendants in the following purported shareholder derivative actions: </font><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Hauser v. Cangemi, et al., </font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Case
        No. 1:24-cv-01207, filed on February 15, 2024 in the United States District Court for the Eastern District of New York; </font><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Pierce v. Cangemi, et al., </font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Case No. 1:24-cv-01408, filed on February 26, 2024 in the United States
        District Court for the Eastern District of New York; </font><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Karp v. Cangemi et al.</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">, Case No. 1:24-cv-01421, filed on February 26, 2024 in the United States District Court for the Eastern District of New York; </font><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Wang v. Cangemi et al. </font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Case No. 1:24-cv-01422, filed on February 26, 2024 in the United States District Court for the Eastern District of New York; and </font><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Podems v. Cangemi, et al.</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">, Case No. 608697/2024, filed on May 17, 2024 in the
        Supreme Court of the New York State (Nassau County). These actions, which also name 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 has filed a motion to consolidate the </font><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Hauser </font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">matter with the three other federal derivative actions and has filed a notice to remove the state derivative action to federal court. The Company and the named
        defendants are vigorously defending these actions and also intend to vigorously defend any related actions. On March 3, 2025, the federal magistrate granted Podems&#8217; motion to remand the derivative case back to NY State court. Flagstar filed an
        objection. On April 9, 2025, the judge entered an order adopting the Magistrate Judge&#8217;s Report and Recommendation recommending that the Court grant Plaintiff&#8217;s motion to remand the case to state court. Therefore, the Podems matter will now proceed
        in the Supreme Court of New York, Nassau County.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">69</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The Company&#8217;s President and Chief Executive Officer, as well as all of the Company&#8217;s
        current directors, have also been named in a purported shareholder derivative action captioned </font><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Siegel v.
        Otting, et al.</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">, Case No. 2:24-cv-07352, filed on October 21, 2024 in the United States District Court for the Eastern District
        of New York.</font><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;"> </font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">This action alleges breach of fiduciary duty and related claims and alleges that certain Company employment agreements and similar arrangements, and certain internal Company policies, violate the Dodd-Frank Act
        by failing to adequately inform employees of their right to report SEC rule violations and to receive eligible whistleblower protection and awards under the Dodd-Frank Act. The Company and the named defendants intend to vigorously defend this
        action and also intend to vigorously defend any related actions. Flagstar reached a settlement with Plaintiff's counsel, after Plaintiff's counsel agreed that remedial actions mooted his claims. After remediation, the parties filed a stipulation to
        dismiss due to mootness, which was entered by the court on March 19, 2025.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The Company has been named as a defendant in three different sets of purported class
        actions related to three separate cyber breach incidents. The Company is vigorously defending these actions and also intends to vigorously defend any related actions. The first set, captioned </font><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">Phillip Angus et al v. Flagstar Bank, Case No. 2:21-cv-10657-MFL-DRG, </font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">filed in the United States District Court for the Eastern District of Michigan, relates to a data breach that occurred in January 2021, after threat actors exploited vulnerabilities in a File Transfer Appliance
        (FTA) used by Flagstar Bancorp, Inc. ("Flagstar Bancorp"), which was acquired by the Company is December 2022, to gain access to confidential customer information. The action seeks unspecified compensatory damages to be proven at trial and alleges
        breach of implied-in-fact contract, breach of confidence and public disclosure of private fact and also violations of various California consumer protection laws. On March 27, 2025, the court granted Flagstar&#8217;s motion to dismiss as to certain
        allegations and denied Flagstar&#8217;s motion to dismiss as to certain other allegations. On April 4, 2025, the court entered a stipulated Order to Stay Proceedings Pending Mediation. The matter is stayed for 90 days.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The second set, captioned </font><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">In re: Flagstar December 2021 Data Security Incident Litigation, Case No. 2:22-cv-11385</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;"> is comprised of twenty purported class action lawsuits that were consolidated into a single action filed on June 23, 2023, in the United States District Court for the Eastern District of Michigan,
        and relates to a cyber breach of Flagstar Bancorp&#8217;s information technology system that occurred in December 2021. The action seeks unspecified compensatory damages to be proven at trial and alleges common law and statutory claims associated with
        the exposure of customers&#8217; Personally Identifiable Information (PII) as a result of the data breach and seeks class certification. On September 30, 2024, the court dismissed 17 of the 18 claims in the plaintiff&#8217;s consolidated complaint, allowing
        only the claim under the California Consumer Privacy Act to proceed, thereby limiting participation in the action to California class members. On April 4, 2025, the court entered a stipulated Order to Stay Proceedings Pending Mediation. The matter
        is stayed for 90 days.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The third set, captioned </font><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 400; line-height: 120%;">In re: MOVEit customer data Security Breach Litigation, MDL No.1:23-md-03083-ADB-PGL, </font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">In re: MOVEit customer data Security Breach Litigation, MDL No.1:23-md-03083-ADB-PGL, is comprised of four purported class action lawsuits filed in October 2023 that were consolidated with other
        MOVEit class action litigation involving other defendants and later transferred in December 2023 to the United States District Court for the District of Massachusetts for coordinated pretrial and trial proceedings. The class actions involving
        Flagstar allege claims of negligence, breach of contract and unjust enrichment, among others, and seek unspecified compensatory and punitive damages. Litigation involving Flagstar is currently stayed pending ongoing court proceedings against a
        representative group of the larger class actions and which are intended to address critical legal and factual issues common to the parties.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">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. </font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify">
      <table id="z71a43421069241f0abad5cea02fa8318" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.864%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:87.936%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 700; line-height: 100%;">Item 1A.</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 700; line-height: 100%;">Risk Factors</font></td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify;text-indent:24.75pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Please see &#8220;Item 1A. Risk Factors&#8221; of the Company&#8217;s Annual Report on Form 10-K for the
        year ended December&#160;31, 2024 for information regarding risk factors that could materially affect the Company&#8217;s business, financial condition, or future results of operations. There have been no changes with regard to the risk factors disclosed in
        &#8220;Item 1A. Risk Factors&#8221; of the Company&#8217;s Annual Report on Form 10-K for the year ended December&#160;31, 2024. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">70</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="text-align:justify">
      <table id="z03a420b61d5542febc1276929c288768" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.864%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:87.936%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 700; line-height: 100%;">Item 2.</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 700; line-height: 100%;">Unregistered Sales of Equity
                Securities and Use of Proceeds</font></td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Shares Repurchased Pursuant to the Company&#8217;s Stock-Based Incentive Plans </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. </font></div>
    <div style="text-align:justify;text-indent:24.5pt"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-style: italic; font-weight: 700; line-height: 120%;">Shares Repurchased Pursuant to the Board of Directors&#8217; Share Repurchase Authorization
      </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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 March&#160;31, 2025, the Company has approximately $9 million remaining under this repurchase
        authorization.</font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); 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. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The following table provides information relating to the Company&#8217;s repurchase of common
        stock for the three months ended March 31, 2025.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify">
      <table id="z28a509cba3bf4e9da5f883e89a82e26b" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:45.391%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.519%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.519%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:21.419%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-weight: 400; line-height: 112%;">(dollars in millions, except share data)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 112%;">Period</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 112%;">Total Shares of Common Stock Repurchased</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 112%;">Average Price Paid per Common Share</font></div>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 700; line-height: 112%;">Total
                Shares of Common Stock Purchased as Part of Publicly Announced Plans or Programs </font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">First
                Quarter 2025</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">January
                1 - 31, 2025</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">171,892</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">9.25&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">February
                1 - 28, 2025</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">2,609</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">13.05</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">March
                1 - 31, 2025</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">202,068</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">11.58</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">Total First
                Quarter 2025</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td 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" colspan="2"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">376,569&#160;</font></td>
            <td 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"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-weight: 400; line-height: 100%;">10.53&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td 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" colspan="2"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align:justify">
      <table id="zf9611f04acb54df88b54cbfa9245267a" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.864%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:87.936%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 700; line-height: 100%;">Item 3.</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 700; line-height: 100%;">Defaults Upon Senior Securities</font></td>
          </tr>

      </table>
      <font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;The Company had no defaults on senior securities. &#160;&#160;&#160;&#160;</font></div>
    <div><br>
    </div>
    <div>
      <table id="z04a447c2aace40c5ada72bed4ebbced6" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.864%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:87.936%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 700; line-height: 100%;">Item 4.</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 700; line-height: 100%;">Mine Safety Disclosures</font></td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-indent:36pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">None.</font></div>
    <div><br>
    </div>
    <div>
      <table id="z25d5e38010634ea89f0732324af13071" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.864%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:87.936%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 700; line-height: 100%;">Item 5.</font></td>
            <td style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 700; line-height: 100%;">Other Information</font></td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">During the three months ended March 31, 2025, none of our directors or officers
        informed us of the adoption or termination 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.</font></div>
    <div style="text-indent:36pt"><br>
    </div>
    <div style="text-indent:36pt"><br>
    </div>
    <div style="-sec-extract:summary">
      <table id="z677abe3ce88e4045b3ab35e4bfcdbe9c" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.864%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:87.936%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 700; line-height: 100%;">Item 6.</font></td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 700; line-height: 100%;">Exhibits</font></td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table id="z50ee809d5085471d8ec65ea4441a7f18" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.496%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.992%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:83.112%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 700; line-height: 112%;">Exhibit No.</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">2.1</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;"><a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/910073/000119312524187709/d835213d8k.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; text-decoration: none;">Agreement for the Bulk Purchase
                    and Sale of Mortgage Servicing Rights, dated as of July 24, 2024, by and between Nationstar Mortgage LLC and Flagstar Bank, N.A.*</a></font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 6.5pt; font-weight: 400; line-height: 112%; position: relative; top: -3.5pt; vertical-align: baseline;"><a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/910073/000119312524187709/d835213d8k.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; position: relative; text-decoration: none; top: -3.5pt; vertical-align: baseline;">(1)</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">2.2</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;"><a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/910073/000119312524187709/d835213d8k.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; text-decoration: none;">Asset Purchase Agreement, dated
                    as of July 24, 2024, by and between Nationstar Mortgage LLC and Flagstar Bank, N.A.*</a></font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 6.5pt; font-weight: 400; line-height: 112%; position: relative; top: -3.5pt; vertical-align: baseline;"><a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/910073/000119312524187709/d835213d8k.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; position: relative; text-decoration: none; top: -3.5pt; vertical-align: baseline;">(1)</a></font></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"><br>
        </div>
        <div style="-sec-extract:summary;text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">71</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div><br>
      </div>
    </div>
    <div>
      <table id="zf0d8082b815947e3bb65e8338dd93b62" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.496%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.992%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:83.112%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">3.1</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000100547701003143/0001005477-01-003143-0001.txt" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; text-decoration: none;">Amended and Restated
                    Certificate of Incorporation </a></font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 6.5pt; font-weight: 400; line-height: 112%; position: relative; top: -3.5pt; vertical-align: baseline;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000100547701003143/0001005477-01-003143-0001.txt" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; position: relative; text-decoration: none; top: -3.5pt; vertical-align: baseline;">(2)</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">3.2</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312504042069/dex32.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; text-decoration: none;">Certificates of Amendment of Amended and
                    Restated Certificate of Incorporation </a></font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 6.5pt; font-weight: 400; line-height: 112%; position: relative; top: -3.5pt; vertical-align: baseline;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312504042069/dex32.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; position: relative; text-decoration: none; top: -3.5pt; vertical-align: baseline;">(3)</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">3.3</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312516556857/d188430dex31.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; text-decoration: none;">Certificate of Amendment of Amended and
                    Restated Certificate of Incorporation </a></font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 6.5pt; font-weight: 400; line-height: 112%; position: relative; top: -3.5pt; vertical-align: baseline;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312516556857/d188430dex31.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; position: relative; text-decoration: none; top: -3.5pt; vertical-align: baseline;">(4)</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">3.4</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;"><a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/910073/000119312524157842/d830699d8k.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; text-decoration: none;">Certificate of Amendment of
                    Amended and Restated Certificate of Incorporation</a></font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 6.5pt; font-weight: 400; line-height: 112%; position: relative; top: -3.5pt; vertical-align: baseline;"><a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/910073/000119312524157842/d830699d8k.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; position: relative; text-decoration: none; top: -3.5pt; vertical-align: baseline;">(5)</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">3.5</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;"><a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/910073/000119312524179714/d835051d8k.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; text-decoration: none;">Certificate of Amendment of
                    Amended and Restated Certificate of Incorporation</a></font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 6.5pt; font-weight: 400; line-height: 112%; position: relative; top: -3.5pt; vertical-align: baseline;"><a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/910073/000119312524179714/d835051d8k.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; position: relative; text-decoration: none; top: -3.5pt; vertical-align: baseline;">(6)</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">3.6</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;"><a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000910073/000119312524237666/d840528d8k.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; text-decoration: none;">Certificate of Amendment of
                    Amended and Restated Certificate of Incorporation</a></font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 6.5pt; font-weight: 400; line-height: 112%; position: relative; top: -3.5pt; vertical-align: baseline;"><a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000910073/000119312524237666/d840528d8k.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; position: relative; text-decoration: none; top: -3.5pt; vertical-align: baseline;">(7)</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">3.7</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312517085470/d359896dex34.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; text-decoration: none;">Certificate of Designations of the
                    Registrant for Series A Preferred Stock</a></font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 6.5pt; font-weight: 400; line-height: 112%; position: relative; top: -3.5pt; vertical-align: baseline;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312517085470/d359896dex34.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; position: relative; text-decoration: none; top: -3.5pt; vertical-align: baseline;">(8)</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">3.8</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312524067332/d763888dex32.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; text-decoration: none;">Certificate of Designations for Series
                    B Noncumulative Convertible Preferred Stock</a></font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 6.5pt; font-weight: 400; line-height: 112%; position: relative; top: -3.5pt; vertical-align: baseline;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312524067332/d763888dex32.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; position: relative; text-decoration: none; top: -3.5pt; vertical-align: baseline;">(9)</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">3.9</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312524067332/d763888dex33.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; text-decoration: none;">Certificate of Designations for Series
                    C Noncumulative Convertible Preferred Stock</a></font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 6.5pt; font-weight: 400; line-height: 112%; position: relative; top: -3.5pt; vertical-align: baseline;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312524067332/d763888dex33.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; position: relative; text-decoration: none; top: -3.5pt; vertical-align: baseline;">(9)</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">3.10</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312524067332/d763888dex34.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; text-decoration: none;">Certificate of Designations for Series
                    D Non-Voting Common Equivalent Stock</a></font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 6.5pt; font-weight: 400; line-height: 112%; position: relative; top: -3.5pt; vertical-align: baseline;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312524067332/d763888dex34.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; position: relative; text-decoration: none; top: -3.5pt; vertical-align: baseline;">(9)</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">3.11</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312522295967/d405764dex32.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; text-decoration: none;">Amended and Restated Bylaws</a></font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 6.5pt; font-weight: 400; line-height: 112%; position: relative; top: -3.5pt; vertical-align: baseline;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312522295967/d405764dex32.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; position: relative; text-decoration: none; top: -3.5pt; vertical-align: baseline;">(7)</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">4.2</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312517087285/d348977dex41.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; text-decoration: none;">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></font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 6.5pt; font-weight: 400; line-height: 112%; position: relative; top: -3.5pt; vertical-align: baseline;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312517087285/d348977dex41.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; position: relative; text-decoration: none; top: -3.5pt; vertical-align: baseline;">(8)</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">4.3</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312517087285/d348977dex41.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; text-decoration: none;">Form of certificate representing the
                    Series A Preferred Stock </a></font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 6.5pt; font-weight: 400; line-height: 112%; position: relative; top: -3.5pt; vertical-align: baseline;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312517087285/d348977dex41.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; position: relative; text-decoration: none; top: -3.5pt; vertical-align: baseline;">(8)</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">4.4</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;"><a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/910073/000119312524067332/d763888d8k.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; text-decoration: none;">Form of issued warrant for shares
                    of Series D Non-Voting Common Equivalent Stock</a></font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 6.5pt; font-weight: 400; line-height: 112%; position: relative; top: -3.5pt; vertical-align: baseline;"><a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/910073/000119312524067332/d763888d8k.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; position: relative; text-decoration: none; top: -3.5pt; vertical-align: baseline;">(9)</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">4.5</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312517087285/d348977dex51.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; text-decoration: none;">Form of depositary receipt representing
                    the Depositary Shares </a></font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 6.5pt; font-weight: 400; line-height: 112%; position: relative; top: -3.5pt; vertical-align: baseline;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312517087285/d348977dex51.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; position: relative; text-decoration: none; top: -3.5pt; vertical-align: baseline;">(8)</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">4.6</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:justify;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; 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.</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">10.1</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000114036125015975/ny20047927x1_ex10-21.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; text-decoration: none;">Employment Agreement</a><a href="https://www.sec.gov/Archives/edgar/data/910073/000114036125015975/ny20047927x1_ex10-21.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; text-decoration: none;">, dated March 19, 2025,</a><a href="https://www.sec.gov/Archives/edgar/data/910073/000114036125015975/ny20047927x1_ex10-21.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; text-decoration: none;"> by and </a><a href="https://www.sec.gov/Archives/edgar/data/910073/000114036125015975/ny20047927x1_ex10-21.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; text-decoration: none;">between Flagstar Financial Inc.
                    and Joseph </a><a href="https://www.sec.gov/Archives/edgar/data/910073/000114036125015975/ny20047927x1_ex10-21.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; text-decoration: none;">M. Otting</a></font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 6.5pt; font-weight: 400; line-height: 112%; position: relative; top: -3.5pt; vertical-align: baseline;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000114036125015975/ny20047927x1_ex10-21.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; position: relative; text-decoration: none; top: -3.5pt; vertical-align: baseline;">(10)</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">10.2</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000114036125015975/ny20047927x1_ex10-22.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; text-decoration: none;">Change in Control Agreement,
                    dated as of April 11, 2025, by and between Flagstar Bank, N.A. and George F. Buchanan</a></font><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 6.5pt; font-weight: 400; line-height: 112%; position: relative; top: -3.5pt; vertical-align: baseline;"><a href="https://www.sec.gov/Archives/edgar/data/910073/000114036125015975/ny20047927x1_ex10-22.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; position: relative; text-decoration: none; top: -3.5pt; vertical-align: baseline;">(</a><a href="https://www.sec.gov/Archives/edgar/data/910073/000114036125015975/ny20047927x1_ex10-22.htm" style="-sec-extract: exhibit; color: #000000; font-weight: 400; line-height: 112%; position: relative; text-decoration: none; top: -3.5pt; vertical-align: baseline;">10)</a></font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">31.1</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">Rule 13a-14(a) Certification of Chief Executive Officer of the Company in
                  accordance with Section 302 of the Sarbanes-Oxley Act of 2002 (filed herewith)</font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">31.2</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">Rule 13a-14(a) Certification of Chief Financial Officer of the Company in
                  accordance with Section 302 of the Sarbanes-Oxley Act of 2002 (filed herewith)</font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">32</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">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 (furnished herewith)</font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">101.INS</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:justify;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">XBRL Instance Document &#8211; the
                instance document does not appear in the Interactive Data File because iXBRL tags are embedded within the Inline XBRL document.</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">101.SCH</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:justify;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">Inline XBRL Taxonomy Extension
                Schema Document.</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">101.CAL</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:justify;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">Inline XBRL Taxonomy Extension
                Calculation Linkbase Document.</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">101.DEF</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:justify;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">Inline XBRL Taxonomy Extension
                Definition Linkbase Document.</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">101.LAB</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:justify;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">Inline XBRL Taxonomy Extension
                Label Linkbase Document.</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">101.PRE</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:justify;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">Inline XBRL Taxonomy Extension
                Presentation Linkbase Document.</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">104</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:justify;vertical-align:bottom" colspan="3"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">Cover Page Interactive Date File
                (formatted in Inline XBRL and contained in Exhibit 101)</font></td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">*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.</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">** Management plan or compensation plan arrangement. </font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(1)</font><font style="color: rgb(0, 0, 0); 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 July 29, 2024 (File No. 1-31565)</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(2)</font><font style="color: rgb(0, 0, 0); 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. 0-22278) </font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(3)</font><font style="color: rgb(0, 0, 0); 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)</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(4)</font><font style="color: rgb(0, 0, 0); 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)</font></div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="-sec-extract:summary;text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">72</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(5)</font><font style="color: rgb(0, 0, 0); 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 June 10, 2024 (File No. 1-31565)</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(6)</font><font style="color: rgb(0, 0, 0); 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 July 16, 2024 (File No. 1-31565)</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(7)</font><font style="color: rgb(0, 0, 0); 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 15, 2024 (File No. 1-31565)</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(8)</font><font style="color: rgb(0, 0, 0); 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 </font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(9)</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 6.34pt;">Incorporated by reference to the Exhibits filed with the Company&#8217;s Form 8-K filed with the Securities and Exchange Commission on March 14, 2024 (File No. 1-31565)</font></div>
    <div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(10)</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 1.34pt;">Incorporated by reference to the Exhibits to Post-Effective Amendment No. 1 to the Company's Registration Statement on Form S-1 filed with the Securities and Exchange
        Commission on April 28, 2025 (File No. 333-280398)</font></div>
    <div style="text-align:justify"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">The agreements and other documents filed as exhibits to this report are not intended to
        provide factual information or other disclosure other than with respect to the terms of the agreements or other documents themselves, and you should not rely on them for that purpose. In particular, any representations and warranties made by us in
        these agreements or other documents were made solely within the specific context of the relevant agreement or document and may not describe the actual state of affairs as of the date they were made or at any other time.</font></div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="-sec-extract:summary;text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">73</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="-sec-extract:summary;text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">SIGNATURES</font></div>
    <div style="text-align:center"><br>
    </div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">Pursuant to the requirements 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. </font></div>
    <div style="text-align:justify;text-indent:22.5pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;"> <br>
      </font></div>
    <div style="text-align:justify;text-indent:36pt">
      <table cellspacing="2" cellpadding="0" border="0" id="zd6f6994826f2466eae65b0c21d1bfd4b" style="border-collapse: collapse; margin: 0px 0px 5pt; display: inline-table; vertical-align: text-bottom; width: 90%;">

          <tr>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: top; width: 25%;" rowspan="1"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">DATE: May&#160;9, 2025</font> </td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: top; width: 65%;">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">Flagstar Financial, Inc.</font></div>
            </td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 25%;" rowspan="1"><br>
            </td>
            <td style="border-top: 1pt solid rgb(0, 0, 0); padding: 2px 1pt; text-align: justify; vertical-align: top; width: 65%;"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">(Registrant)</font></td>
          </tr>
          <tr style="height:15pt">
            <td style="padding: 0px 1pt; width: 25%;" rowspan="1"><br>
            </td>
            <td style="padding: 0px 1pt; width: 65%;"><br>
            </td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 25%;" rowspan="1"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: top; width: 65%;">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">/s/ Bryan Marx</font></div>
            </td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 25%;" rowspan="1"><br>
            </td>
            <td style="border-top: 1pt solid rgb(0, 0, 0); padding: 2px 1pt; text-align: left; vertical-align: top; width: 65%;">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 700; line-height: 112%;">Bryan Marx</font></div>
            </td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 25%;" rowspan="1"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: top; width: 65%;">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">Executive Vice President and Chief Accounting Officer</font></div>
            </td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 25%;" rowspan="1"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: top; width: 65%;">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">(Principal Accounting Officer and Authorized Signatory) </font></div>
            </td>
          </tr>
          <tr style="height:15pt">
            <td style="padding: 0px 1pt; width: 25%;" rowspan="1"><br>
            </td>
            <td style="padding: 0px 1pt; width: 65%;"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align:justify;text-indent:36pt"><br>
    </div>
    <div style="text-align:justify;text-indent:36pt"><br>
    </div>
    <div style="height:45pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="-sec-extract:summary;text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">74</font></div>
      </div>
    </div>
  </div>
  <div><br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <div>
    <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">EXHIBIT 31.1</font></div>
    <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">FLAGSTAR FINANCIAL, INC. </font></div>
    <div style="text-align:center"><br>
    </div>
    <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%; text-decoration: underline;">CERTIFICATION PURSUANT TO SECTION 302 </font></div>
    <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%; text-decoration: underline;">OF THE SARBANES-OXLEY ACT OF 2002 </font></div>
    <div style="text-align:center"><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">I, Joseph Otting, certify that:</font></div>
    <div><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;"> </font></div>
    <div style="padding-left:36pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">1.</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 10.5pt;">I have reviewed this quarterly report on Form 10-Q of Flagstar Financial, Inc.; </font></div>
    <div><br>
    </div>
    <div style="padding-left:36pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">2.</font><font style="color: rgb(0, 0, 0); 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; </font></div>
    <div><br>
    </div>
    <div style="padding-left:36pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">3.</font><font style="color: rgb(0, 0, 0); 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; </font></div>
    <div><br>
    </div>
    <div style="padding-left:36pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">4.</font><font style="color: rgb(0, 0, 0); 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: </font></div>
    <div><br>
    </div>
    <div style="padding-left:72pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(a)</font><font style="color: rgb(0, 0, 0); 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; </font></div>
    <div style="padding-left:36pt"><br>
    </div>
    <div style="padding-left:72pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(b)</font><font style="color: rgb(0, 0, 0); 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; </font></div>
    <div style="padding-left:36pt"><br>
    </div>
    <div style="padding-left:72pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(c)</font><font style="color: rgb(0, 0, 0); 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; and </font></div>
    <div style="padding-left:36pt"><br>
    </div>
    <div style="padding-left:72pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(d)</font><font style="color: rgb(0, 0, 0); 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; and </font></div>
    <div style="padding-left:36pt"><br>
    </div>
    <div style="padding-left:36pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">5.</font><font style="color: rgb(0, 0, 0); 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): </font></div>
    <div><br>
    </div>
    <div style="padding-left:72pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(a)</font><font style="color: rgb(0, 0, 0); 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; and </font></div>
    <div style="padding-left:36pt"><br>
    </div>
    <div style="padding-left:72pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(b)</font><font style="color: rgb(0, 0, 0); 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"><br>
    </div>
    <div style="text-indent: 72pt;">
      <table cellspacing="2" cellpadding="0" border="0" id="z0948f946cc9c4f77acaadb06824a7c4d" style="border-collapse: collapse; margin: 0px 0px 5pt; display: inline-table; vertical-align: text-bottom; width: 90%;">

          <tr>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: top; width: 45%;">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">DATE: May&#160;9, 2025</font></div>
            </td>
            <td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; padding: 2px 1pt 0px; text-align: left; width: 45%;">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">/s/ Joseph Otting</font></div>
            </td>
          </tr>
          <tr>
            <td style="padding-top: 0px; padding-right: 1pt; padding-left: 1pt; width: 45%;"><br>
            </td>
            <td style="padding-top: 2px; padding-right: 1pt; padding-left: 1pt; text-align: justify; vertical-align: top; width: 45%;"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">Joseph Otting</font></td>
          </tr>
          <tr>
            <td style="padding-top: 0px; padding-right: 1pt; padding-left: 1pt; width: 45%;" rowspan="1">&#160;</td>
            <td style="padding-top: 2px; padding-right: 1pt; padding-left: 1pt; text-align: justify; vertical-align: top; width: 45%;" rowspan="1"><font style="font-size: 10pt;">Executive Chairman, President and Chief Executive Officer</font><br>
            </td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 45%;"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: justify; vertical-align: top; width: 45%;"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">(Principal Executive Officer)</font></td>
          </tr>

      </table>
      <div><br>
      </div>
    </div>
    <div style="height:42.75pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div><br>
        </div>
      </div>
    </div>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <div>
    <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">EXHIBIT 31.2</font></div>
    <div style="margin-top:9pt;text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">FLAGSTAR FINANCIAL, INC. </font></div>
    <div style="text-align:center"><br>
    </div>
    <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%; text-decoration: underline;">CERTIFICATION PURSUANT TO SECTION 302 </font></div>
    <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%; text-decoration: underline;">OF THE SARBANES-OXLEY ACT OF 2002 </font></div>
    <div style="text-align:center"><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">I, Lee Smith, certify that:</font></div>
    <div><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;"> </font></div>
    <div style="padding-left:36pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">1.</font><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 10.5pt;">I have reviewed this quarterly report on Form 10-Q of Flagstar Financial, Inc.; </font></div>
    <div><br>
    </div>
    <div style="padding-left:36pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">2.</font><font style="color: rgb(0, 0, 0); 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; </font></div>
    <div><br>
    </div>
    <div style="padding-left:36pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">3.</font><font style="color: rgb(0, 0, 0); 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; </font></div>
    <div><br>
    </div>
    <div style="padding-left:36pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">4.</font><font style="color: rgb(0, 0, 0); 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: </font></div>
    <div><br>
    </div>
    <div style="padding-left:72pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(a)</font><font style="color: rgb(0, 0, 0); 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; </font></div>
    <div style="padding-left:36pt"><br>
    </div>
    <div style="padding-left:72pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(b)</font><font style="color: rgb(0, 0, 0); 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; </font></div>
    <div style="padding-left:36pt"><br>
    </div>
    <div style="padding-left:72pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(c)</font><font style="color: rgb(0, 0, 0); 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; and </font></div>
    <div style="padding-left:36pt"><br>
    </div>
    <div style="padding-left:72pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(d)</font><font style="color: rgb(0, 0, 0); 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; and</font></div>
    <div style="padding-left:36pt"><br>
    </div>
    <div style="padding-left:36pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">5.</font><font style="color: rgb(0, 0, 0); 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): </font></div>
    <div><br>
    </div>
    <div style="padding-left:72pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(a)</font><font style="color: rgb(0, 0, 0); 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; and </font></div>
    <div style="padding-left:36pt"><br>
    </div>
    <div style="padding-left:72pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">(b)</font><font style="color: rgb(0, 0, 0); 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"><br>
    </div>
    <div style="text-indent: 72pt;">
      <table cellspacing="2" cellpadding="0" border="0" style="border-collapse: collapse; margin: 0px 0px 5pt; display: inline-table; vertical-align: text-bottom; width: 90%;">

          <tr>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: top; width: 45%;">
              <div><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">DATE: May&#160;9, 2025</font></div>
            </td>
            <td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; padding: 2px 1pt 0px; text-align: left; width: 45%;">
              <div style="text-align:justify"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: 400; line-height: 112%;">/s/ Lee Smith<br>
                </font></div>
            </td>
          </tr>
          <tr>
            <td style="padding-top: 0px; padding-right: 1pt; padding-left: 1pt; width: 45%;"><br>
            </td>
            <td style="padding-top: 2px; padding-right: 1pt; padding-left: 1pt; text-align: justify; vertical-align: top; width: 45%; font-size: 10pt;">Lee Smith<br>
            </td>
          </tr>
          <tr>
            <td style="padding-top: 0px; padding-right: 1pt; padding-left: 1pt; width: 45%;" rowspan="1">&#160;</td>
            <td style="padding-top: 2px; padding-right: 1pt; padding-left: 1pt; text-align: justify; vertical-align: top; width: 45%; font-size: 10pt;" rowspan="1"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-weight: 400; line-height: 112%;">Senior Executive Vice President and Chief Financial Officer</font></td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 45%;"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: justify; vertical-align: top; width: 45%; font-size: 10pt;"><font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-weight: 400; line-height: 112%;">(Principal 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><br>
        </div>
      </div>
    </div>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <div> <br>
  </div>
  <div>
    <div style="text-align:right"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%;">EXHIBIT 32.0</font></div>
    <div style="text-align:center"><font style="color: rgb(0, 0, 0); font-weight: 700; line-height: 120%; text-decoration: underline;">FLAGSTAR FINANCIAL, INC.</font></div>
    <div style="text-align:center"><br>
    </div>
    <div style="text-align:center"><font style="color: rgb(0, 0, 0); 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: rgb(0, 0, 0); font-weight: 700; line-height: 120%; text-decoration: underline;">PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002</font></div>
    <div><br>
    </div>
    <div><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">In connection with the Quarterly Report of Flagstar Financial, Inc. (the &#8220;Company&#8221;) on Form 10-Q for the period ended March&#160;31, 2025
        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: </font></div>
    <div><br>
    </div>
    <div style="padding-left:36pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">1.</font><font style="color: rgb(0, 0, 0); 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; and </font></div>
    <div><br>
    </div>
    <div style="padding-left:36pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%;">2.</font><font style="color: rgb(0, 0, 0); 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="padding-left:36pt;text-indent:-18pt"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 120%; padding-left: 10.5pt;"> <br>
      </font></div>
    <div style="margin-top:5pt">
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="zb535a3fd1fc649528530bb0091da0e1e">

          <tr>
            <td style="width: 50%; padding-bottom: 2px;"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 112%;">DATE: May&#160;9, 2025</font></td>
            <td style="border-bottom: 1px solid rgb(0, 0, 0); width: 50%;"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 112%;">/s/ Joseph Otting</font></td>
          </tr>
          <tr>
            <td style="width: 50%;"><br>
            </td>
            <td style="width: 50%;"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 112%;">Joseph Otting</font></td>
          </tr>
          <tr>
            <td style="width: 50%;"><br>
            </td>
            <td style="width: 50%;"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 112%;">Executive Chairman, President and Chief Executive Officer</font></td>
          </tr>
          <tr>
            <td style="width: 50%;"><br>
            </td>
            <td style="width: 50%;"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 112%;">(Principal Executive Officer)</font></td>
          </tr>
          <tr>
            <td style="width: 50%;"><br>
            </td>
            <td style="width: 50%;"><br>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; padding-bottom: 2px;"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 112%;">DATE: May&#160;9, 2025</font></td>
            <td style="border-bottom: 1px solid rgb(0, 0, 0); width: 50%;"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 112%;">/s/ Lee Smith</font></td>
          </tr>
          <tr>
            <td style="width: 50%;"><br>
            </td>
            <td style="width: 50%;"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 112%;">Lee Smith</font></td>
          </tr>
          <tr>
            <td style="width: 50%;"><br>
            </td>
            <td style="width: 50%;"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 112%;">Senior Executive Vice President and Chief Financial Officer</font></td>
          </tr>
          <tr>
            <td style="width: 50%;"><br>
            </td>
            <td style="width: 50%;"><font style="color: rgb(0, 0, 0); font-weight: 400; line-height: 112%;">(Principal Financial Officer)</font></td>
          </tr>

      </table>
    </div>
    <div style="margin-top:5pt"><br>
    </div>
    <div> </div>
    <div style="height:42.75pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div>
          <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
      </div>
    </div>
  </div>
  <div> <br>
  </div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>flagstar_logo.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 flagstar_logo.jpg
M_]C_X  02D9)1@ ! 0$ W #<  #_VP!#  ," @," @,# P,$ P,$!0@%!00$
M!0H'!P8(# H,# L*"PL-#A(0#0X1#@L+$!80$1,4%145# \7&!84&!(4%13_
MVP!# 0,$! 4$!0D%!0D4#0L-%!04%!04%!04%!04%!04%!04%!04%!04%!04
M%!04%!04%!04%!04%!04%!04%!04%!3_P  1" "? IH# 2(  A$! Q$!_\0
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M.UU+(!TVSW75VH.X M%'N91E3R0!7R_<?\%JOA1#<2I'X.\83QJQ"R"*U <
M\, 9\C(YYH _0_<*7</6OSJ_X?:?"[_H1/%_Y6O_ ,>K[Y\*Z]%XJ\-Z3K4$
M4D4.HVL5U'%+C<JNH8 X.,C/:@#;#!AD'(IU?%/Q\_X*C^ ?V>?BSKW@#6/"
M?B/4M2T=H5EN[$6_DOYD"3#;NE#<"0 Y'4&O/_\ A]I\+O\ H1/%_P"5K_\
M'J /T4W#./Z4ZO(/V8_VBM&_:@^&L?C7P_IE_I.G/=S68M]2""4-'MR?D9A@
M[O7M7K] !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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MVOB+_@D'_P F@VW_ &'+[^:5]NT %%%% !1110 4444 %%%% !1110 4444
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MPG_"^/AO_P!#[X;_ /!K!_\ %5V=K>0WEO'-!*LT4B[DD0Y5AZ@]Q0!^ O\
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M4BBC4L[R'"J!U))Z#@\U^87[8O\ P5G_ +'N+OPI\%7@GND:6"[\67$0EB7
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M'7M/AOM,\*:YJ-E-_J[BSTV:6)^<<,JD'D$?44 <M7V__P $?_\ D[A<<?\
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M2/\ ?L/_ $@MZ^6:^IO^"G'_ ">S\2/]^P_](+>OEF@#]R_^"0?_ ":#;?\
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MLBDK$'(."[;5'NPK^;+QYXYU3XD>,-:\3:[<M>:OJ]Y)>W,IX!D=BQP.@'.
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M[F,9Z$!QWK\5*^Y/^"OGC2Z\1?M6R:+-$D=OH&CVMM!(O602*9R3_P "E(_
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MCWI:_2J-"G0CR4E9'Q\YRJ/FF[L6BBBN@@**** /S0_X+=?\DY^&?_86NO\
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M*9;W5;H(2MO:1L&D)^5E!/W5#<%F S7]%-K;1VD20P1K%!&HC1%& H P !V
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M7_T*O#*]S_8>_P"3MOA+_P!C%:_^A4 ?T:T444 %%%% !1110 4444 0'%>
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M"_2UN;AS(XMY[BWCR?2..154>P H _GFKTCX/?L__$'X]:__ &-X%\+WVN7
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M^!/^A*\._P#@I@_^(I]E\+O!^FW45W9>$M#L[R%A)%<6^G0(\;#H58+D'WH
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MQ!$.K.1R7?U9F)8GU- '98%+110 4444 %%%% !1110 4444 %%%% !1110
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+ "BBB@ HHHH _]D!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
