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SAFE & SOUND® STAR RATINGS

NORTHFIELD BANK


STATEN ISLAND, New York 10314

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 28013




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$3,181,232$3,018,172$2,703,199
Loans Receivable, Net2,264,6431,916,7031,463,910
Mortgage-Backed Securities576,898704,426860,123
Investments11,37370,42376,962
Deposits2,102,0791,682,6051,640,595
Borrowings535,556805,593498,124
Equity524,207509,808547,216
Net Interest Income60,20775,60274,540
Fee Income2,2014,0943,210
Overhead43,07151,49652,897
Net Operating Income22,44331,92529,868
Net Income14,10920,32919,157
Ratio Analysis Profitability%%%
Return on Assets *0.620.730.70
Operating Return on Assets *0.981.151.09
Return on Equity *3.663.963.52
Net Interest Margin *2.822.942.98
Fee Income / Assets *0.110.150.12
Overhead / Assets *1.871.861.93
Efficiency Ratio65.3361.5463.82
Asset Quality%%%
Nonperforming Assets / Assets0.680.851.01
Nonperforming Assets / Equity & Loss Reserves3.934.804.76
Loss Reserves / Nonperforming Loans120.25105.2997.71
1-4 Fam Mtg + MBS / Assets33.8935.6738.52
Commercial Real Estate Loans / Assets54.1850.0646.39
Construction Loans / Assets0.560.700.52
Commercial & Industrial Loans / Assets1.451.211.43
Consumer Loans / Assets0.040.070.09
Capitalization%%%
Equity / Assets16.4816.8920.24
Tangible Capital / Tangible Assets16.0516.4319.74
Risk-based Capital Ratio22.0522.9528.94
Liquidity%%%
Loans / Deposits107.73113.9189.23
Non-Interest Bearing Deposits / Deposits13.3516.7114.95
Purchased Liabilities25.5628.9919.60

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