More on Hudson City Bancorp (HCBK -0.8%) Q4 earnings: Net interest margin fell to 1.97% from 2.02% in Q3. Provision for loan losses rises to $25M from $20M, primarily due to Sandy. Total assets down 10.5% Y/Y thanks to mortgage repayments. Total deposits down 8% Y/Y - "planned ... during this time of limited investment opportunities." Tangible book value/share of $9.15, up 2.9% Y/Y. It's as detailed an earnings report as you'll ever find.