SAFE & SOUND® STAR RATINGS

Financial statement

NORTHFIELD BANK

STATEN ISLAND, New York 10314

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 28013




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$2,685,860$2,703,199$2,806,526
Loans Receivable, Net1,547,6951,463,9101,221,965
Mortgage-Backed Securities784,295860,1231,190,451
Investments77,03876,96282,227
Deposits1,591,0061,640,5951,968,114
Borrowings562,132498,124433,646
Equity515,316547,216386,085
Net Interest Income37,05274,54068,405
Fee Income2,0693,2103,032
Overhead24,24752,89747,941
Net Operating Income17,09529,86825,514
Net Income10,62019,15716,360
Ratio Analysis Profitability%%%
Return on Assets *0.760.700.67
Operating Return on Assets *1.211.091.04
Return on Equity *3.903.524.46
Net Interest Margin *3.042.982.90
Fee Income / Assets *0.140.120.12
Overhead / Assets *1.861.931.95
Efficiency Ratio58.5563.8264.04
Asset Quality%%%
Nonperforming Assets / Assets1.051.011.66
Nonperforming Assets / Equity & Loss Reserves5.234.7611.30
Loss Reserves / Nonperforming Loans94.9497.7157.75
1-4 Fam Mtg + MBS / Assets36.3238.5249.31
Commercial Real Estate Loans / Assets49.3746.3934.80
Construction Loans / Assets0.570.520.88
Commercial & Industrial Loans / Assets1.441.431.84
Consumer Loans / Assets0.100.090.07
Capitalization%%%
Equity / Assets19.1920.2413.76
Tangible Capital / Tangible Assets18.6819.7413.22
Risk-based Capital Ratio26.1628.9422.30
Liquidity%%%
Loans / Deposits97.2889.2362.09
Non-Interest Bearing Deposits / Deposits15.5214.9510.80
Purchased Liabilities22.0819.6017.72

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