$($B$)$ Explain how the following will affect the LM $($shift$,$ move along in what direction$).$ Trace the effects to the relevant markets and use graphs to help.

Customers are pulling their cash from NYCB$,$ but its no bank run.Customers of New York Community Bank $($NYCB$)$ pulled $$6$ billion worth of deposits between February $5$ and March $5,$ leaving the banks deposit base $7\%$ lower, at $$77$ billion.However, the pattern is not indicative of a bank run, which these days can drain a lender of funds in mere hours. Shortly ahead of its demise, depositors at Silicon Valley Bank tried withdrawing $$42$ billion in one day over fears they wouldnt be able to access their funds if the bank failed.NYCB provided the updated figures on an investor conference call Thursday morning after it announced it secured a $$1$ billion investment from former Treasury Secretary Steven Mnuchins firm, Liberty Strategic Capital, among other private equity companies. Shares of NYCB opened $13\%$ higher Thursday morning after a rollercoaster of a day Wednesday when the stock plunged more than $40\%$ at one point.Before the company disclosed in a filing last Thursday it had identified material weakness in the companys controls, there werent significant changes in the banks level of deposits, said Alessandro DiNello, NYCBs outgoing CEO, appointed just last week.Friday was not a great day, he said. Over the weekend, Monday and Tuesday deposits were strong again.But when a Wall Street Journal story was published Wednesday saying the bank was actively looking for a cash infusion, there certainly were some people that lined up to withdraw $[$their money$],$ DiNello said. But after the $$1$ billion investment was announced, it was back to normal.NYCB has been in crisis mode since the regional lender reported a surprise loss of $$252$ million last quarter, compared to a $$172$ million profit in the fourth quarter of $2022.$ That caused the stock to plunge, bringing it to its lowest level since $1997.$Additionally, NYCB was recently downgraded to junk status by both Moodys Investors Service and Fitch Ratings. Thats significant because many depositors often require banks to have higher credit ratings considered investment grade to keep their money there.On Thursdays call, NYCB also announced its slashing its dividend to one penny a share. This comes after the company announced in January it was cutting its dividend from $$0\mathrm{.}17$ a share to $$0\mathrm{.}05$ a share.The looming concern from an investor standpoint is how aggressive the Long Island$-$based bank will be when it comes to setting aside more reserves and estimating how much it expects to lose from soured loans.Increasing both means the bank has fewer funds available to lend, which as a result would limit its profitability.