Yahoo / Market Guide - Hudson City Bancorp Inc.

·	Insider and 5%+ Owners: 71%
·	Over the last 6 months: · 2 insider buys; 1,000 shares · one insider sell; 20.0K shares
·	Institutional: 15% (51% of float) (110 institutions)
·	Net Inst. Selling: 1.31M shares (+9.58%) (prior quarter to latest quarter)

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Business Summary

Hudson City Bancorp, Inc. serves as the holding company of its only subsidiary, Hudson City Savings. Hudson City Savings is a New Jersey-chartered stock savings bank. Hudson City Savings is a community- and customer-oriented retail savings bank offering traditional deposit products, residential real estate mortgage loans and consumer loans. In addition, Hudson City Savings purchases mortgages, mortgage-backed securities, securities issued by the United States government and agencies and other investments permitted by applicable laws and regulations. The Company offers a variety of deposit accounts having a range of interest rates and terms, along with regular savings deposits (consisting of passbook and statement savings accounts), NOW accounts, checking accounts, money market accounts and time deposits. The Company also offers IRA accounts and qualified retirement plans.

More from Market Guide: Expanded Business Description

Financial Summary

Hudson City Bancorp, is a bank holding company for Hudson City Savings Bank, a community savings bank. For the six months ended 6/30/01, total interest income rose 14% to $334.9 million. Net interest income after loan loss provision rose 6% to $133.6 million. Net income rose 8% to $61.6 million. Net interest income reflects increased earning assets, partially offset by higher interest paid on borrowed funds. Earnings reflect decreased professional service expenses.

More from Market Guide: Significant Developments

Officers

[Insider Trade Data]

	FY2000 Pay

Leonard Gudelski, 66 Chairman, CEO	$10.1M
Ronald Hermance, Jr., 53 Pres, COO	6.7M
John Tassillo, 66 Exec. VP,Treasurer and Sec.	2.8M
V. Barry Corridon, 52 Sr. VP of Mortgage Servicing of Hudson City Savings	--
James Kranz, 52 Sr. VP and Investment Officer of Hudson City Savings	1.1M
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..

More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options

Statistics at a Glance -- NasdaqNM:HCBK

As of 31-Aug-2001

Price and Volume
52-Week Low on 28-Sep-2000	$`16.688`
Recent Price	$`22.74`
52-Week High on 30-July-2001	$`26.44`
Beta	`-0.07`
Daily Volume (3-month avg)	`180.0K`
Daily Volume (10-day avg)	`204.0K`
Stock Performance
big chart [1d \| 5d \| 3m \| 6m \| 1y \| 2y \| 5y]
52-Week Change	`+31.8%`
52-Week Change relative to S&P500	`+76.9%`
Share-Related Items
Market Capitalization	$`2.29B`
Shares Outstanding	`100.8M`
Float	`29.2M`
Dividends & Splits
Annual Dividend (indicated)	$`0.48`
Dividend Yield	`2.11%`
Last Split	none

Per-Share Data
Book Value (mrq)	$`12.84`
Earnings (ttm)	$`1.13`
Earnings (mrq)	$`0.31`
Sales (ttm)	$`6.20`
Cash (mrq)	$`0.78`
Valuation Ratios
Price/Book (mrq)	`1.77`
Price/Earnings (ttm)	`20.11`
Price/Sales (ttm)	`3.67`
Income Statements
Sales (ttm)	$`654.5M`
EBITDA	N/A
Income available to common (ttm)	$`119.2M`
Profitability
Profit Margin (ttm)	`18.2%`
Operating Margin (ttm)	`39.7%`
Fiscal Year
Fiscal Year Ends	Dec 31
Most recent quarter	30-June-2001

Management Effectiveness
Return on Assets (ttm)	`1.26%`
Return on Equity (ttm)	`8.46%`
Financial Strength
Current Ratio	N/A
Debt/Equity	N/A
Total Cash (mrq)	$`79.4M`
Short Interest As of 8-Aug-2001
Shares Short	`334.0K`
Percent of Float	`1.1%`
Shares Short (Prior Month)	`122.0K`
Short Ratio	`1.07`
Daily Volume	`312.0K`

See Profile Help for a description of each item above; K = thousands; M = millions; B = billions; mrq = most-recent quarter; ttm = trailing twelve months; (as of 30-June-2001)

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