New York munity Bancorp(NYCB) - 2023 Q4 - Earnings Call Presentation

(a)(b) (a) Non-Performing Loans /Total Loans 4th Quarter 2023 16 (a) Non-performing loans and total loans exclude covered loans and non-covered purchased credit-impaired ("PCI") loans. (b) Non-performing loans are defined as non-accrual loans and loans 90 days or more past due but still accruing interest. Our non-performing loans at 12/31/16, 12/31/17, 12/31/18, 12/31/19, 12/31/20, 12/31/21, and 12/31/22 exclude taxi medallion-related loans. (a) The calculation of our net charge-offs to average loans exclud ...