Hudson City Savings Bank Financials


Hudson City Savings Bank has total assets of $51,616 million and year-to-date net operating income of $315 million. Hudson City Savings Bank financials obtained from the Federal Deposit Insurance Corporation (FDIC). Financial data is updated quarterly in Call Reports or Thrift Financial Reports filed by the bank. Data last updated on December 1, 2008 for the period ending on September 30, 2008.	Profile Financials Chargeoff Statistics Delinquency Statistics Assets Securitized and Sold Performance and Condition Ratios

			All Banks

Assets	$ (millions)	% of Assets	$ (millions)	% of Assets
Loans Secured by Real Estate	28,544	55.30%	4,750,985	34.90%
1-4 Family Residential Mortgages	28,456	55.13%	2,754,199	20.23%
First Lien	28,089	54.42%	1,864,576	13.70%
Second Lien	267	0.52%	237,504	1.74%
Home Equity Lines	100	0.19%	652,119	4.79%
Multifamily Residential	9	0.02%	205,193	1.51%
Nonfarm Residential	51	0.10%	1,043,393	7.66%
Construction and Development	28	0.05%	617,055	4.53%
Farmland Loans	0	0.00%	62,138	0.46%
Loans Held in Foreign Offices	0	0.00%	69,008	0.51%
Commericial and Industrial Loans	16	0.03%	1,510,091	11.09%
Loans to Individuals	3	0.01%	1,082,731	7.95%
Credit Cards	0	0.00%	411,627	3.02%
Farm Loans	0	0.00%	59,656	0.44%
Other Loans and Leases	0	0.00%	595,646	4.38%
Less: Unearned Income	0	0.00%	2,741	0.02%
Total Loans and Leases	28,562	55.34%	8,000,084	58.77%
Less: Reserve for Losses	43	0.08%	156,065	1.15%
Net Loans and Leases	28,520	55.25%	7,844,019	57.62%
Securities	21,225	41.12%	2,027,739	14.90%
Other Real Estate Owned	9	0.02%	22,966	0.17%
Goodwill and Intangibles	161	0.31%	484,178	3.56%
All Other Assets	1,702	3.30%	3,207,062	23.56%
Total Assets	$51,616	100.00%	$13,613,150	100.00%

			All Banks

Liabilities and Capital	$ (millions)	% of Assets	$ (millions)	% of Assets
Deposits	17,493	33.89%	8,749,418	64.27%
Domestic Deposits	17,493	33.89%	7,230,058	53.11%
Transaction Accounts	443	0.86%	809,200	5.94%
Nontransaction Accounts	17,050	33.03%	6,420,965	47.17%
Money Market	2,738	5.30%	2,798,868	20.56%
Other Savings Accounts	2,406	4.66%	841,348	6.18%
Time Deposits	11,906	23.07%	2,773,205	20.37%
Foreign Deposits	0	0.00%	1,519,360	11.16%
Federal Funds Purchased	14,850	28.77%	936,578	6.88%
Trading Liabilities	0	0.00%	356,967	2.62%
Subordinated Debt	0	0.00%	176,833	1.30%
Other Borrowed Funds	14,662	28.41%	1,684,829	12.38%
All Other Liabilities	267	0.52%	401,428	2.95%
Equity Capital	4,344	8.42%	1,307,097	9.60%
Total Liabilities and Capital	$51,616	100.00%	$13,613,150	100.00%

			All Banks

Income Data (2008 YTD)	$ (millions)	% of Assets*	$ (millions)	% of Assets*
Total Interest Income	1,941	5.01%	487,019	4.77%
Total Interest Expense	1,270	3.28%	207,949	2.04%
Net Interest Income	671	1.73%	279,070	2.73%
Provision for Loan and Lease Losses	11	0.03%	124,517	1.22%
Total Noninterest Income	6	0.02%	175,521	1.72%
Total Noninterest Expense	145	0.37%	274,323	2.69%
Salaries and Benefits	95	0.25%	122,518	1.20%
Premises and Equipment Expense	22	0.06%	33,971	0.33%
Additional Noninterest Expense	28	0.07%	117,834	1.15%
Securities Gains (Losses)	0	0.00%	-8,037	-0.08%
Applicable Income Taxes	207	0.53%	15,679	0.15%
Extraordinary Gains, Net	0	0.00%	534	0.01%
Net Income	315	0.81%	32,569	0.32%
Cash Dividends, Net	209	0.54%	42,592	0.42%
Retained Earnings	106	0.27%	-10,023	-0.10%
Net Operating Income	$315	0.81%	$37,457	0.37%

* Annualized

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