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Hudson City Savings Bank

Paramus, NJ · Cert 13074

FDIC · 135 branches

Q3 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2015, the quarter ended September 30, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hudson City Savings Bank

Paramus, NJ · Cert 13074

FDIC · 135 branches

Q3 2015

$35.1BAssets
$19.2BLoans
$18.0BDeposits
$4.4BEquity
Loan mix
100%RE $19.2B0%C&I $0.0B0%Consumer $0.0BQ3 2014Q3 2015
Deposit mix
96%Interest-bearing $17.3B4%Noninterest $0.7BQ3 2014Q3 2015

NIM

3.51%Q3 ’133.21%Q3 ’142.65%Q3 ’15-22%-48%

Non-interest income vs. expense

0.79%Q3 ’130.79%Q3 ’140.82%Q3 ’15+1%+4%

Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2015 SOD (annual) · 1.1% share · #16 of 219 inst. · $16.3B of $1502.0B

9.1% Bergen
13.6% Ocean
8.5% Morris
5.9% Monmouth

Executive Summary

  • Earnings: ROA of 0.11%, down 29 bps year over year; NIM at 0.64%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 12.22%.
  • Funding: loans stand at 106.83% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

0.11%1-29 bps YoY

Net Interest Margin (YTD, annualized)

0.64%-60 bps YoY

Efficiency Ratio (YTD, annualized)

126.28%+6,309 bps YoY

Tier 1 Leverage Ratio

12.22%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.40%0.40%0.05%10.21%10.11%1-29 bps
Return on Equity3.43%3.42%0.39%1.73%0.88%-254 bps
Net Interest Margin1.24%1.17%0.81%0.71%0.64%-60 bps
Efficiency Ratio63.19%66.66%100.28%108.54%126.28%+6,309 bps
Non-Interest Burden0.77%0.77%0.81%0.77%0.81%+3 bps
Growth
Asset Growth (YoY)-5.18%-5.29%-5.50%-6.05%-5.54%-36 bps
Loan Growth (YoY)-9.25%-10.55%-12.35%-14.55%-14.12%-487 bps
Deposit Growth (YoY)-9.49%-9.70%-10.17%-11.31%-10.48%-100 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.18%0.17%0.09%0.10%0.10%-8 bps
Allowance / Loans1.08%1.09%1.10%1.13%1.15%+7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a11.83%12.14%12.22%n/a
Total Risk-Based Capital27.93%28.75%31.36%33.48%34.48%+655 bps
Equity / Assets12.00%12.11%12.25%12.62%12.64%+64 bps
Liquidity & Funding
Loans / Deposits111.35%111.11%109.81%108.61%106.83%-452 bps
Liquid Assets / Assets18.93%20.40%20.17%18.61%20.07%+114 bps
CRE / Total Capitaln/an/an/an/an/an/an/a