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SAFE & SOUND® STAR RATINGS

NORTHFIELD BANK


STATEN ISLAND, New York 10314

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 28013




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$3,018,172$2,703,199$2,806,526
Loans Receivable, Net1,916,7031,463,9101,221,965
Mortgage-Backed Securities704,426860,1231,190,451
Investments70,42376,96282,227
Deposits1,682,6051,640,5951,968,114
Borrowings805,593498,124433,646
Equity509,808547,216386,085
Net Interest Income75,60274,54068,405
Fee Income4,0943,2103,032
Overhead51,49652,89747,941
Net Operating Income31,92529,86825,514
Net Income20,32919,15716,360
Ratio Analysis Profitability%%%
Return on Assets *0.730.700.67
Operating Return on Assets *1.151.091.04
Return on Equity *3.963.524.46
Net Interest Margin *2.942.982.90
Fee Income / Assets *0.150.120.12
Overhead / Assets *1.861.931.95
Efficiency Ratio61.5463.8264.04
Asset Quality%%%
Nonperforming Assets / Assets0.851.011.66
Nonperforming Assets / Equity & Loss Reserves4.804.7611.30
Loss Reserves / Nonperforming Loans105.2997.7157.75
1-4 Fam Mtg + MBS / Assets35.6738.5249.31
Commercial Real Estate Loans / Assets50.0646.3934.80
Construction Loans / Assets0.700.520.88
Commercial & Industrial Loans / Assets1.211.431.84
Consumer Loans / Assets0.070.090.07
Capitalization%%%
Equity / Assets16.8920.2413.76
Tangible Capital / Tangible Assets16.4319.7413.22
Risk-based Capital Ratio22.9528.9422.30
Liquidity%%%
Loans / Deposits113.9189.2362.09
Non-Interest Bearing Deposits / Deposits16.7114.9510.80
Purchased Liabilities28.9919.6017.72

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