Call reports 2003
HUDSON CITY SAVINGS BANK, FSB — 2003
What HUDSON CITY SAVINGS BANK, FSB reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 14,913,434,000 | 15,456,255,000 | 15,898,322,000 | 17,033,265,000 |
| Total loans | 6,892,952,000 | 6,855,493,000 | 7,451,523,000 | 8,793,347,000 |
| Allowance for loan losses | 25,724,000 | 25,920,000 | 26,099,000 | 26,547,000 |
| Securities available for sale | 2,710,408,000 | 3,339,364,000 | 3,266,454,000 | 3,374,069,000 |
| Securities held to maturity | 4,775,111,000 | 4,764,390,000 | 4,717,583,000 | 4,293,810,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,660,695,000 | 10,027,283,000 | 10,327,702,000 | 10,501,503,000 |
| Interest-bearing deposits | 9,265,190,000 | 9,601,382,000 | 9,866,630,000 | 10,105,008,000 |
| Noninterest-bearing deposits | 395,505,000 | 425,901,000 | 461,072,000 | 396,495,000 |
| Equity capital | 1,230,717,000 | 1,239,276,000 | 1,220,553,000 | 1,228,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 198,537,000 | 391,192,000 | 577,879,000 | 777,330,000 |
| Interest expense | 97,159,000 | 192,989,000 | 286,249,000 | 381,257,000 |
| Net interest income | 101,378,000 | 198,203,000 | 291,630,000 | 396,073,000 |
| Noninterest income | 1,301,000 | 2,610,000 | 4,224,000 | 5,392,000 |
| Noninterest expense | 25,480,000 | 49,915,000 | 75,313,000 | 101,832,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 900,000 |
| Pretax income | 81,145,000 | 163,247,000 | 240,415,000 | 323,059,000 |
| Income tax | 29,650,000 | 59,691,000 | 87,291,000 | 118,246,000 |
| Net income | 51,495,000 | 103,556,000 | 153,124,000 | 204,813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,212,049,000 | 1,216,891,000 | 1,219,141,000 | 1,234,212,000 |
| Total capital | 1,237,773,000 | 1,242,811,000 | 1,245,240,000 | 1,260,759,000 |
| Risk-weighted assets | 4,787,867,000 | 5,027,552,000 | 5,384,172,000 | 6,040,080,000 |