The Federal Home Loan Bank Board said withdrawals exceeded new deposits by $2.2 billion in January, the third straight month of decline. The figure compares to drops of $1.9 billion in December and $2.9 billion in November. Total retail accounts were up by $200 million in January after plummeting $5.2 billion in December. But large depositors, those with certificates of deposit exceeding $100,000, fell sharply in January. Holdings in so-called jumbo accounts dropped $2.4 billion to $114.9 billion.