V. Risk Analysis Peer Comparison for 2023) (See Tab 4 "Risk Ratios on the Spreadsheet) A. Analysis of Credit Risk Compare the Bank to its Peers in 2023 in terms of Credit Risk (Look at the bank's mix differences in the types of loans held & the loan risk ratios including loss ratios and earnings coverage ratios compared to the Peers) B. Analysis of Liquidity Risk Compare the Bank to its Peers in 2023 in terms of Liquidity Risk (Look at ratios for the Bank's Liquidity risk on the asset, liability, and off-balance sheet sides, including net-core fund dependence, % net loans, % core deposits, % short-term investments; % off balance sheet items & loan commitment) C. Analysis of Capital Risk Compare the Bank to its Peers in 2023 in terms of Capital Risk (Look at Tier 1 Capital Ratios, Dividend Payout Ratios, Growth in Equity compared to Growth in Assets; growth in short-term investments and growth in short-term non-core funding) D. Analysis of Interest Rate Risk Compare the Bank to its Peers for its net 1-year and 3-year positions, that take Long-term Assets - Long-term Liabilities). Larger net positions indicate greater interest rate risk. Recall a larger position indicates greater interest rate risk. VI. Conclusion: Based on your Analysis: Summarize Flagstar Bank's strength and weaknesses from a performance and risk perspective. Give your suggestions for how the Bank could improve its financial performance and reduce its risks. What happened to New York Community Bank (Flagstar Bank) in February 2024?