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The 1980s and 1990s were problematic for a lot of banks. Gas of high aprs and inflation proved an excessive for some and many failed. Hudson City Bank once again prevailed. The President for the bank in 1981, Leonard S. Gudelski, provided the leadership needed and the financial institution grew. At the beginning of 1990, the bank was 69 branches strong and assets totaled $3.2 billion. I don't encourage that sit around and bide time until some three-letter agency to swoop from a decide to dip into the retirement funds or bump up your tax rates or devalue your har