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SAFE & SOUND® STAR RATINGS

Financial statement

NORTHFIELD BANK
1731 VICTORY BLVD
STATEN ISLAND, New York 10314

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 28013




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$2,806,526$2,366,988$2,208,293
Loans Receivable, Net1,221,9651,056,378810,554
Mortgage-Backed Securities1,190,451992,1611,082,780
Investments82,227111,310135,797
Deposits1,968,1141,504,2061,393,771
Borrowings433,646496,888406,629
Equity386,085347,533319,603
Net Interest Income68,40564,33860,198
Fee Income3,0324,8612,756
Overhead47,94140,47636,055
Net Operating Income25,51422,77720,859
Net Income16,3603,7513,713
Ratio Analysis Profitability%%%
Return on Assets *0.670.720.68
Operating Return on Assets *1.040.991.00
Return on Equity *4.464.884.52
Net Interest Margin *2.902.972.99
Fee Income / Assets *0.120.210.12
Overhead / Assets *1.951.751.72
Efficiency Ratio64.0452635630
Asset Quality%%%
Nonperforming Assets / Assets1.662.372.77
Nonperforming Assets / Equity & Loss Reserves11.3014.9517.87
Loss Reserves / Nonperforming Loans57.752.602.74
1-4 Fam Mtg + MBS / Assets49.3146.6753.91
Commercial Real Estate Loans / Assets34.8034.7128.23
Construction Loans / Assets0.881.251.59
Commercial & Industrial Loans / Assets1.844.772.79
Consumer Loans / Assets0.070.040.03
Capitalization%%%
Equity / Assets13.7614.6814.47
Tangible Capital / Tangible Assets13.2214.0513.84
Risk-based Capital Ratio22.3024.7127.40
Liquidity%%%
Loans / Deposits62.0970.2358.16
Non-Interest Bearing Deposits / Deposits10.80n/an/a
Purchased Liabilities17.7235.0231.44

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.43%
1 yr CD
0.62% 0.63%
5 yr CD
1.22% 1.24%
1 yr jumbo CD
0.65% 0.65%
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