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 March 31, 2014
Federal Reserve System Identifier 28013




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$2,695,033$2,703,199$2,806,526
Loans Receivable, Net1,488,9701,463,9101,221,965
Mortgage-Backed Securities824,929860,1231,190,451
Investments77,42176,96282,227
Deposits1,643,0431,640,5951,968,114
Borrowings527,086498,124433,646
Equity507,615547,216386,085
Net Interest Income18,80174,54068,405
Fee Income1,0363,2103,032
Overhead11,85152,89747,941
Net Operating Income8,70429,86825,514
Net Income5,16019,15716,360
Ratio Analysis Profitability%%%
Return on Assets *0.720.700.67
Operating Return on Assets *1.151.091.04
Return on Equity *3.653.524.46
Net Interest Margin *3.042.982.90
Fee Income / Assets *0.130.120.12
Overhead / Assets *1.871.931.95
Efficiency Ratio56.6663.8264.04
Asset Quality%%%
Nonperforming Assets / Assets1.001.011.66
Nonperforming Assets / Equity & Loss Reserves5.054.7611.30
Loss Reserves / Nonperforming Loans98.9697.7157.75
1-4 Fam Mtg + MBS / Assets37.3838.5249.31
Commercial Real Estate Loans / Assets47.3646.3934.80
Construction Loans / Assets0.570.520.88
Commercial & Industrial Loans / Assets1.441.431.84
Consumer Loans / Assets0.090.090.07
Capitalization%%%
Equity / Assets18.8420.2413.76
Tangible Capital / Tangible Assets18.3219.7413.22
Risk-based Capital Ratio26.5128.9422.30
Liquidity%%%
Loans / Deposits90.6289.2362.09
Non-Interest Bearing Deposits / Deposits14.8314.9510.80
Purchased Liabilities20.7319.6017.72

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