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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, 2015
Federal Reserve System Identifier 28013




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$3,202,348$3,018,172$2,703,199
Loans Receivable, Net2,348,9451,916,7031,463,910
Mortgage-Backed Securities540,449704,426860,123
Investments11,49170,42376,962
Deposits2,086,9191,682,6051,640,595
Borrowings584,141805,593498,124
Equity511,283509,808547,216
Net Interest Income81,51575,60274,540
Fee Income2,9674,0943,210
Overhead57,58651,49652,897
Net Operating Income31,47531,92529,868
Net Income19,71820,32919,157
Ratio Analysis Profitability%%%
Return on Assets *0.630.730.70
Operating Return on Assets *1.011.151.09
Return on Equity *3.803.963.52
Net Interest Margin *2.822.942.98
Fee Income / Assets *0.100.150.12
Overhead / Assets *1.851.861.93
Efficiency Ratio64.4461.5463.82
Asset Quality%%%
Nonperforming Assets / Assets0.500.851.01
Nonperforming Assets / Equity & Loss Reserves2.974.804.76
Loss Reserves / Nonperforming Loans155.93105.2997.71
1-4 Fam Mtg + MBS / Assets32.5335.6738.52
Commercial Real Estate Loans / Assets56.4850.0646.39
Construction Loans / Assets0.580.700.52
Commercial & Industrial Loans / Assets1.341.211.43
Consumer Loans / Assets0.070.070.09
Capitalization%%%
Equity / Assets15.9716.8920.24
Tangible Capital / Tangible Assets15.5316.4319.74
Risk-based Capital Ratio21.2122.9528.94
Liquidity%%%
Loans / Deposits112.56113.9189.23
Non-Interest Bearing Deposits / Deposits13.3216.7114.95
Purchased Liabilities24.1828.9919.60

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