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SAFE & SOUND® STAR RATINGS

NORTHFIELD BANK


STATEN ISLAND, New York 10314

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 28013




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$3,672,874$3,202,348$3,018,172
Loans Receivable, Net2,708,5062,348,9451,916,703
Mortgage-Backed Securities525,833540,449704,426
Investments29,39211,49170,423
Deposits2,562,9212,086,9191,682,605
Borrowings505,197584,141805,593
Equity578,050511,283509,808
Net Interest Income24,50981,51575,602
Fee Income9412,9674,094
Overhead21,30457,58651,496
Net Operating Income5,56531,47531,925
Net Income3,69119,71820,329
Ratio Analysis Profitability%%%
Return on Assets *0.570.630.73
Operating Return on Assets *0.911.011.15
Return on Equity *3.443.803.96
Net Interest Margin *2.852.822.94
Fee Income / Assets *0.100.100.15
Overhead / Assets *1.991.851.86
Efficiency Ratio79.8364.4461.54
Asset Quality%%%
Nonperforming Assets / Assets0.580.500.85
Nonperforming Assets / Equity & Loss Reserves3.562.974.80
Loss Reserves / Nonperforming Loans113.79155.93105.29
1-4 Fam Mtg + MBS / Assets30.0832.5335.67
Commercial Real Estate Loans / Assets55.2356.4850.06
Construction Loans / Assets1.390.580.70
Commercial & Industrial Loans / Assets1.951.341.21
Consumer Loans / Assets0.050.070.07
Capitalization%%%
Equity / Assets15.7415.9716.89
Tangible Capital / Tangible Assets14.8015.5316.43
Risk-based Capital Ratio19.6221.2122.95
Liquidity%%%
Loans / Deposits105.68112.56113.91
Non-Interest Bearing Deposits / Deposits14.4813.3216.71
Purchased Liabilities18.4624.1828.99

* Calculations are based on the latest four quarters of income and expense.
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