SAFE & SOUND® STAR RATINGS

Financial statement

NORTHFIELD BANK
1731 VICTORY BLVD
STATEN ISLAND, New York 10314

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 28013




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$2,703,199$2,806,526$2,366,988
Loans Receivable, Net1,463,9101,221,9651,056,378
Mortgage-Backed Securities860,1231,190,451992,161
Investments76,96282,227111,310
Deposits1,640,5951,968,1141,504,206
Borrowings498,124433,646496,888
Equity547,216386,085347,533
Net Interest Income74,54068,40564,338
Fee Income3,2103,0324,861
Overhead52,89747,94140,476
Net Operating Income29,86825,51422,777
Net Income19,15716,3603,751
Ratio Analysis Profitability%%%
Return on Assets *0.700.670.72
Operating Return on Assets *1.091.040.99
Return on Equity *3.524.464.88
Net Interest Margin *2.982.902.97
Fee Income / Assets *0.120.120.21
Overhead / Assets *1.931.951.75
Efficiency Ratio63.8264.045263.00
Asset Quality%%%
Nonperforming Assets / Assets1.011.662.37
Nonperforming Assets / Equity & Loss Reserves4.7611.3014.95
Loss Reserves / Nonperforming Loans97.7157.752.60
1-4 Fam Mtg + MBS / Assets38.5249.3146.67
Commercial Real Estate Loans / Assets46.3934.8034.71
Construction Loans / Assets0.520.881.25
Commercial & Industrial Loans / Assets1.431.844.77
Consumer Loans / Assets0.090.070.04
Capitalization%%%
Equity / Assets20.2413.7614.68
Tangible Capital / Tangible Assets19.7413.2214.05
Risk-based Capital Ratio28.9422.3024.71
Liquidity%%%
Loans / Deposits89.2362.0970.23
Non-Interest Bearing Deposits / Deposits14.9510.80n/a
Purchased Liabilities19.6017.7235.02

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