Current Report Filing (8-k)

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

Current Report

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 24, 2017

(Exact name of registrant as specified in its charter)




Michigan	1-16577	38-3150651
(State or other jurisdiction of incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)

5151 Corporate Drive, Troy, Michigan 48098
(Address of principal executive offices) (Zip Code)

(248) 312-2000

(Registrant's telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:



o	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)



o	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)



o	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))



o	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))



Item 2.02	Results of Operations and Financial Condition

On January 24, 2017 , Flagstar Bancorp, Inc. (the "Company") issued a press release regarding its preliminary results of operations and financial condition for the three months ended December 31, 2016 . The text of the press release is furnished as Exhibit 99.1 to this report. The Company will include final financial statements and additional analysis for the three and twelve months ended December 31, 2016 as part of its Quarterly Report on Form 10-Q.

On January 24, 2017 , the Company will hold a conference call to review fourth quarter 2016 earnings. A copy of the slide presentation to be used by the Company on the conference call is furnished as Exhibit 99.2 to this Current Report on Form 8-K.

In certain places in our prepared remarks when comparing 2016 EPS with 2015 EPS, we have noted a $0.20 per diluted share impact on 2016 from the seven months for which we still had our TARP securities outstanding. This amount is the result of adjusting for an add back of $18 million of preferred dividends that were accrued during the first seven months of 2016, and a reduction of $6 million of net interest income (after-tax) that would have been incurred during that period had the redemption already occurred.



Item 9.01	Financial Statements and Exhibits



Exhibits

99.1		Press release of Flagstar Bancorp, Inc. dated January 24, 2017

99.2		Flagstar Bancorp, Inc. Conference Call Presentation Slides - Earnings Presentation Fourth Quarter 2016

SIGNATURE

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, hereunto duly authorized.




	FLAGSTAR BANCORP, INC.

Dated: January 24, 2017		By:	/s/ James K. Ciroli
			James K. Ciroli
			Executive Vice President and Chief Financial Officer

Exhibit Index



Exhibit No.		Description

99.1		Press release of Flagstar Bancorp, Inc. dated January 24, 2017

99.2		Flagstar Bancorp, Inc. Conference Call Presentation Slides - Earnings Presentation Fourth Quarter 2016