921847--3/1/2007--HUDSON_CITY_BANCORP_INC

related topics
{condition, economic, financial}
{loan, real, estate}
{acquisition, growth, future}
{competitive, industry, competition}
{cost, operation, labor}
{cost, contract, operation}
Our Plans To Increase The Level Of Our Adjustable-Rate Assets May Be Difficult To Implement And May Decrease Our Profitability Because We Compete Primarily On The Basis Of The Interest Rates We Offer Depositors And The Terms Of Loans We Offer Borrowers, Our Margins Could Decrease If We Were Required To Increase Deposit Rates Or Lower Interest Rates On Loans In Response To Competitive Pressures. We May Not Be Able To Successfully Implement Our Plans For Growth. The Geographic Concentration Of Our Loan Portfolio And Lending Activities Makes Us Vulnerable To A Downturn In The Local Economy. We operate in a highly regulated industry, which limits the manner and scope of our business activities.

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