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SAFE & SOUND® STAR RATINGS

NORTHFIELD BANK


STATEN ISLAND, New York 10314

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 28013




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$3,048,999$3,018,172$2,703,199
Loans Receivable, Net1,978,7411,916,7031,463,910
Mortgage-Backed Securities671,109704,426860,123
Investments60,52670,42376,962
Deposits1,824,5131,682,6051,640,595
Borrowings686,978805,593498,124
Equity519,016509,808547,216
Net Interest Income19,74075,60274,540
Fee Income6824,0943,210
Overhead14,10251,49652,897
Net Operating Income7,54231,92529,868
Net Income5,02120,32919,157
Ratio Analysis Profitability%%%
Return on Assets *0.710.730.70
Operating Return on Assets *1.081.151.09
Return on Equity *3.913.963.52
Net Interest Margin *2.882.942.98
Fee Income / Assets *0.130.150.12
Overhead / Assets *1.881.861.93
Efficiency Ratio64.5661.5463.82
Asset Quality%%%
Nonperforming Assets / Assets0.820.851.01
Nonperforming Assets / Equity & Loss Reserves4.564.804.76
Loss Reserves / Nonperforming Loans106.48105.2997.71
1-4 Fam Mtg + MBS / Assets34.1035.6738.52
Commercial Real Estate Loans / Assets51.7050.0646.39
Construction Loans / Assets0.580.700.52
Commercial & Industrial Loans / Assets1.331.211.43
Consumer Loans / Assets0.050.070.09
Capitalization%%%
Equity / Assets17.0216.8920.24
Tangible Capital / Tangible Assets16.5716.4319.74
Risk-based Capital Ratio23.2522.9528.94
Liquidity%%%
Loans / Deposits108.45113.9189.23
Non-Interest Bearing Deposits / Deposits15.6516.7114.95
Purchased Liabilities26.9028.9919.60

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