) --

New York Community Bancorp


is the big surprise this week for Jim Cramer -- so he announced during his "Stop Trading" segment on CNBC.

On "Stop Trading," Cramer said that he didn't think New York Bank operated well enough to snag the recently failed

AmTrust Bank

. Instead, Cramer had thought it would go to

First Niagara Financial



Meanwhile, it has been reported that


(C) - Get Report

has only until the middle of next week to pay back $20 billion in TARP money if it wants to rid itself of government control sooner rather than later. If Citigroup fails to raise enough capital in a stock offering it will have to wait until after it reports fourth-quarter results in January, the

Financial Times


Cramer, for one, says the government is not being smart when it come to Citigroup. "When the stock was at $5 I pleaded with the government to sell it, but they didn't," he said.

Cramer accused the government of playing the market. "The government was greedy and now everyone suffers."

-- Reported by Jeanine Poggi in New York.

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