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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, 2014
Federal Reserve System Identifier 28013




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$2,919,906$2,703,199$2,806,526
Loans Receivable, Net1,795,3261,463,9101,221,965
Mortgage-Backed Securities736,939860,1231,190,451
Investments70,62276,96282,227
Deposits1,587,1251,640,5951,968,114
Borrowings795,787498,124433,646
Equity518,951547,216386,085
Net Interest Income55,74774,54068,405
Fee Income3,0583,2103,032
Overhead37,31252,89747,941
Net Operating Income24,24929,86825,514
Net Income15,44219,15716,360
Ratio Analysis Profitability%%%
Return on Assets *0.740.700.67
Operating Return on Assets *1.171.091.04
Return on Equity *3.833.524.46
Net Interest Margin *2.922.982.90
Fee Income / Assets *0.140.120.12
Overhead / Assets *1.841.931.95
Efficiency Ratio60.2663.8264.04
Asset Quality%%%
Nonperforming Assets / Assets0.881.011.66
Nonperforming Assets / Equity & Loss Reserves4.704.7611.30
Loss Reserves / Nonperforming Loans104.4597.7157.75
1-4 Fam Mtg + MBS / Assets38.1438.5249.31
Commercial Real Estate Loans / Assets47.5146.3934.80
Construction Loans / Assets0.600.520.88
Commercial & Industrial Loans / Assets1.281.431.84
Consumer Loans / Assets0.090.090.07
Capitalization%%%
Equity / Assets17.7720.2413.76
Tangible Capital / Tangible Assets17.3019.7413.22
Risk-based Capital Ratio24.6728.9422.30
Liquidity%%%
Loans / Deposits113.1289.2362.09
Non-Interest Bearing Deposits / Deposits16.3314.9510.80
Purchased Liabilities28.7919.6017.72

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