Table of Contents 1 225

ISBC 2017 Form 10-K & 2018 Proxy Statement

Cover 1
Dear Fellow Shareholders 3
2017 Annual Report on Form 10-K 8
Form 10-K 7
Table of Contents 8
Part I 10
Item 1. Business 10
Item 1A. Risk Factors 45
Item 1B. Unresolved Staff Comments 56
Item 2. Properties 56
Item 3. Legal Proceedings 56
Item 4. Mine Safety Disclosures 56
Part II 57
Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities 57
Item 6. Selected Financial Data 59
Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations 61
Item 7A. Quantitative and Qualitative Disclosure About Market Risk 80
Item 8. Financial Statements and Supplementary Data 80
Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure 81
Item 9A. Controls and Procedures 81
Item 9B. Other Information 82
Part III 82
Item 10. Directors, Executive Officers and Corporate Governance 82
Item 11. Executive Compensation 82
Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters 82
Item 13. Certain Relationships, Related Transactions and Director Independence 82
Item 14. Principal Accountant Fees and Services 82
Part IV 82
Item 15. Exhibits and Financial Statement Schedules 82
Item 16. Form 10-K Summary 153
Signatures 154
Proxy Statement 155
Letter to Stockholders 155
Notice of Meeting 156
Table of Contents 158
General Information 159
Questions and Answers about the Annual Meeting and Voting 159
Security Ownership of Certain Beneficial Owners and Management 162
Proposal I–Election of Directors 164
General 164
Directors and Executive Officers of Investors Bancorp 164
Corporate Governance Matters 173
Risk Oversight Matters 185
Audit Committee Matters 185
Compensation and Benefits Committee Matters 187
Compensation Discussion and Analysis 188
Executive Compensation 211
Summary Compensation Table 211
All Other Compensation 212
Perquisites 212
Grants of Plan-Based Awards in 2017 213
Outstanding Equity Awards at December 31, 2017 214
Option Exercises and Stock Vested in 2017 214
Pension Benefits at or for the year ended December 31, 2017 215
Nonqualified Deferred Compensation at or for the year ended December 31, 2017 215
Potential Payments Upon Termination or Change in Control 216
Director Compensation 217
Directors’ Compensation Table 219
Proposal II–Advisory Vote to Approve Executive Compensation 221
Proposal III–Ratification of the Appointment of the Independent Registered Public Accounting Firm 222
Other Matters 223
Stockholder Proposals 223
Advance Notice of Business to be Conducted at an Annual Meeting 223
Corporate Information 224

RkJQdWJsaXNoZXIy NTIzOTM0