Broderick Preston's questions to NYCB leadership • Q4 2023
Question
Asked for details on the deposit composition, including the amount of brokered CDs in the quarterly increase and the remaining FHLB borrowing capacity. He also inquired if the uninsured deposit percentage is a good proxy for institutional clients and if the bank considered using NDAs with large depositors.
Answer
Brokered CDs increased by about $1 billion, with the rest of the CD growth coming from the retail network. The bank has significant FHLB capacity remaining, which it will use to build liquidity. The uninsured deposit base is not primarily institutional but consists of business operating accounts. The bank did not comment on the use of NDAs.