NYCB 2017 Annual Report

CROSS REFERENCE INDEX Page Cautionary Statement Regarding Forward-Looking Language 1 Glossary 3 PART I Item 1. Business 6 Item 1A. Risk Factors 19 Item 1B. Unresolved Staff Comments 30 Item 2. Properties 30 Item 3. Legal Proceedings 30 Item 4. Mine Safety Disclosures 30 PART II Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters, and Issuer Purchases of Equity Securities 31 Item 6. Selected Financial Data 34 Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations 35 Item 7A. Quantitative and Qualitative Disclosures about Market Risk 74 Item 8. Financial Statements and Supplementary Data 78 Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure 145 Item 9A. Controls and Procedures 145 Item 9B. Other Information 146 PART III Item 10. Directors, Executive Officers, and Corporate Governance 146 Item 11. Executive Compensation 146 Item 12. Security Ownership of Certain Beneficial Owners and Management, and Related Stockholder Matters 146 Item 13. Certain Relationships and Related Transactions, and Director Independence 146 Item 14. Principal Accountant Fees and Services 147 PART IV Item 15. Exhibits and Financial Statement Schedules 147 Item 16. Form 10-K Summary (None) 149 Signatures 150 Certifications 153