The Company is Hudson City Bancorp Inc.

Your analysis of the financial statements and accounting policies, in APA format, containing:

Financial Statements

• Discuss the major financial statements in detail. What formats are used? What significant trends (over three years) can you find? What is the future forecast, or what do the pro forma statements indicate?

Accounting Policies

• What are the significant accounting policies relating to revenue recognition, short-term investments, cash, inventories, and property and equipment? What are some of the major topics of the disclosure notes to the statements?
• Provide a brief summary of the Management Discussion and Announcement (MDA) section.
• Discuss key internal controls, business processes, and transactions.