HUDSON CITY BANCORP INC (HCBK) [Rocket]

In millions, except per share items	Dec-31-14	Dec-31-13	Dec-31-12	Dec-31-11	Dec-31-10	Dec-31-09	Dec-31-08	Dec-31-07
	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K
Interest income on repurchase agreements	13.2	7.4	1.4	4.4	2.6	1.2	4.3	12.3
Total interest income	91.2	111.4	171.7	99.7	333.1	2,941.8	2,653.2	2,127.5
Interest expense:
Interest on deposits	159.2	182.4	238.7	328.5	376.3	483.5	581.4	606.9
	159.2	182.4	238.7	328.5	376.3	483.5	581.4	606.9
Net interest income	250.4	293.8	410.4	428.2	709.4	3,425.3	3,234.6	2,734.4
Provision for loan losses	-3.5	36.5	95.0	120.0	195.0	137.5	19.5	4.8
Net interest income after provision for loan losses	253.9	257.3	315.4	308.2	514.4	3,287.8	3,215.1	2,729.6
Gain on sale of investments, net	87.6	0.5		100.0	152.6	24.0
Other non-interest income	22.8	38.6	11.5	13.9	10.4	9.6	8.5	7.3
Total non-interest income	110.4	39.1	11.5	113.9	163.0	33.6	8.5	7.3
Non-interest expenses	293.0	309.8	356.6	2,230.2	266.4	265.6	198.1	167.9
Pre-tax income	89.9	108.4	164.4	98.3	331.6	874.0	732.9	481.7
Income taxes	3.7	3.5	3.8	4.1	-4.4	346.7	287.3	185.9
Tax rate	4.1%	3.3%	2.3%	4.1%		39.7%	39.2%	38.6%
Net income	157.6	185.2	249.1	-736.0	537.2	527.2	445.6	295.9
Net margin	43.3%	62.5%	76.2%	-174.3%	79.3%	15.9%	13.8%	10.8%

Basic EPS	$0.32	$0.37	$0.50	($1.49)	$1.09	$1.08	$0.92	$0.59
Diluted EPS	$0.32	$0.37	$0.50	($1.49)	$1.09	$1.07	$0.90	$0.58

Shares outstanding (basic)	499.0	497.8	496.6	494.6	493.0	488.9	484.9	501.5
Shares outstanding (diluted)	500.2	498.1	496.6	494.6	494.3	491.3	495.9	510.1

EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.