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Northfield Bancorp
NFBK
#6993
Rank
$0.56 B
Marketcap
๐Ÿ‡บ๐Ÿ‡ธ United States
Country
$13.56
Share price
0.15%
Change (1 day)
38.23%
Change (1 year)
๐Ÿฆ Banks๐Ÿ’ณ Financial services
Categories
  1. Northfield Bancorp
  2. Quarterly Reports (10-Q)
  3. Financial Year FY2020 Q2

Northfield Bancorp - 10-Q quarterly report FY2020 Q2


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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549 
FORM 10-Q
 
☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF
THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended June 30, 2020
or
☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
 
For transition period from               to 
Commission File Number 001-35791
Northfield Bancorp, Inc.
(Exact name of registrant as specified in its charter) 
Delaware 80-0882592
(State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.)
581 Main Street,Woodbridge,New Jersey 07095
(Address of principal executive offices) (Zip Code)
 
Registrant’s telephone number, including area code: (732) 499-7200
 
Not Applicable
(Former name, former address, and former fiscal year, if changed since last report)
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading SymbolName of exchange on which registered
Common stock, par value $0.01 per shareNFBKThe NASDAQ Stock Market LLC
 
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the Registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.  Yes ☒    No ☐
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for shorter period that the registrant was required to submit such files).  Yes ☒    No ☐
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer”, “accelerated filer”, “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act:
Large accelerated filer☒Accelerated filer☐
Non-accelerated filer☐Smaller reporting company☐
Emerging growth company☐
 
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐


Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).  Yes ☐ No ☒.
As of July 31, 2020, the registrant had 53,126,012 shares of Common Stock, par value $0.01 per share, issued and outstanding.




NORTHFIELD BANCORP, INC.
Form 10-Q Quarterly Report
Table of Contents
  Page
PART I - FINANCIAL INFORMATION 
Item 1.
4
Item 2.
45
Item 3.
64
Item 4.
66
   
PART II - OTHER INFORMATION 
Item 1.
67
Item 1A.
67
Item 2.
67
Item 3.
67
Item 4.
67
Item 5.
67
Item 6.
68
 
69
3

PART I
ITEM 1.  FINANCIAL STATEMENTS

NORTHFIELD BANCORP, INC.
CONSOLIDATED BALANCE SHEETS
(Unaudited) (In thousands, except share amounts)
 June 30,
2020		December 31, 2019
ASSETS:  
Cash and due from banks$13,802  $15,409  
Interest-bearing deposits in other financial institutions97,098  132,409  
Total cash and cash equivalents110,900  147,818  
Trading securities10,094  11,222  
Debt securities available-for-sale, at estimated fair value1,037,489  1,138,352  
Debt securities held-to-maturity, at amortized cost 8,648  8,762  
(estimated fair value of $9,018 at June 30, 2020, and $8,886 at December 31, 2019)
Equity securities1,330  3,341  
Originated loans held-for-investment, net3,213,689  2,987,067  
Loans acquired360,895  432,653  
Purchased credit-impaired (“PCI”) loans held-for-investment14,775  17,365  
Loans held-for-investment, net3,589,359  3,437,085  
Allowance for loan losses(38,520) (28,707) 
Net loans held-for-investment3,550,839  3,408,378  
Accrued interest receivable13,025  14,609  
Bank owned life insurance155,197  153,459  
Federal Home Loan Bank of New York stock, at cost29,462  39,575  
Premises and equipment, net25,270  25,659  
Goodwill38,411  38,411  
Operating lease right-of-use assets40,366  39,504  
Other assets20,544  26,212  
Total assets$5,041,575  $5,055,302  
LIABILITIES AND STOCKHOLDERS’ EQUITY:  
LIABILITIES:  
Deposits$3,621,658  $3,408,233  
Securities sold under agreements to repurchase75,000  75,000  
Other borrowings541,271  782,004  
Operating lease liabilities44,781  44,069  
Advance payments by borrowers for taxes and insurance19,882  20,045  
Accrued expenses and other liabilities26,407  30,098  
Total liabilities4,328,999  4,359,449  
STOCKHOLDERS’ EQUITY:  
Preferred stock, $0.01 par value: 25,000,000 shares authorized, none issued or outstanding
—  —  
Common stock, $0.01 par value: 150,000,000 shares authorized, 60,933,707 shares issued at
  
June 30, 2020 and December 31, 2019, 49,263,377 and 49,175,347 outstanding at June 30, 2020, and December 31, 2019, respectively
609  609  
Additional paid-in-capital548,495  548,486  
Unallocated common stock held by employee stock ownership plan(19,244) (19,740) 
Retained earnings327,606  322,581  
Accumulated other comprehensive income 14,675  4,699  
Treasury stock at cost: 11,670,330 and 11,758,360 shares at June 30, 2020, and December 31, 2019, respectively
(159,565) (160,782) 
Total stockholders’ equity712,576  695,853  
Total liabilities and stockholders’ equity$5,041,575  $5,055,302  
See accompanying notes to unaudited consolidated financial statements.
4

NORTHFIELD BANCORP, INC.
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME 
(Unaudited) (In thousands, except per share data) 
 Three Months Ended June 30,Six Months Ended June 30,
 2020201920202019
Interest income:    
Loans$35,343  $33,308  $70,680  $65,898  
Mortgage-backed securities4,304  4,599  9,926  8,673  
Other securities777  1,699  1,801  3,564  
Federal Home Loan Bank of New York dividends456  340  1,033  742  
Deposits in other financial institutions31  247  203  782  
Total interest income40,911  40,193  83,643  79,659  
Interest expense:  
Deposits7,473  10,549  16,752  20,796  
Borrowings3,208  2,485  6,728  4,374  
Total interest expense10,681  13,034  23,480  25,170  
Net interest income30,230  27,159  60,163  54,489  
Provision for loan losses1,921  491  10,104  550  
Net interest income after provision for loan losses28,309  26,668  50,059  53,939  
Non-interest income:  
Fees and service charges for customer services666  1,207  1,786  2,347  
Income on bank owned life insurance865  907  1,741  1,804  
Gains on available-for-sale debt securities, net73  59  60  214  
Gains (losses) on trading securities, net1,626  343  (366) 1,429  
Gains on sale of loans665  —  665  —  
Other343  50  460  86  
Total non-interest income4,238  2,566  4,346  5,880  
Non-interest expense:  
Compensation and employee benefits10,444  9,837  17,733  20,857  
Occupancy3,018  3,120  6,078  6,402  
Furniture and equipment349  265  682  524  
Data processing1,612  1,437  3,072  2,700  
Professional fees1,045  811  2,154  1,558  
Advertising343  1,331  1,161  2,095  
FDIC insurance216  255  216  532  
Other828  1,694  2,441  3,286  
Total non-interest expense17,855  18,750  33,537  37,954  
Income before income tax expense14,692  10,484  20,868  21,865  
Income tax expense3,899  2,280  5,524  4,890  
Net income$10,793  $8,204  $15,344  $16,975  
Net income per common share:  
Basic$0.23  $0.18  $0.33  $0.36  
Diluted$0.23  $0.17  $0.33  $0.36  
See accompanying notes to unaudited consolidated financial statements.
5

NORTHFIELD BANCORP, INC.
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - (Continued)
(Unaudited) (In thousands) 
Three Months Ended June 30,Six Months Ended June 30,
2020201920202019
Net Income$10,793  $8,204  $15,344  $16,975  
Other comprehensive income:
Unrealized gains on debt securities available-for-sale:  
Net unrealized holding gains 5,603  9,930  13,913  18,693  
Less: reclassification adjustment for net gains included in net income (73) (59) (60) (214) 
Net unrealized gains 5,530  9,871  13,853  18,479  
Income tax expense related to net unrealized holding gains on debt securities available-for-sale (1,568) (2,779) (3,894) (5,232) 
Income tax expense related to reclassification adjustment for gains included in net income20  17  17  60  
Other comprehensive income, net of tax3,982  7,109  9,976  13,307  
Comprehensive income $14,775  $15,313  $25,320  $30,282  





































See accompanying notes to unaudited consolidated financial statements.
6

NORTHFIELD BANCORP, INC.
CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY
Three Months Ended June 30, 2020 and 2019
(Unaudited) (In thousands, except share data) 
    
    
 Common Stock
 Shares Outstanding Par ValueAdditional Paid-in CapitalUnallocated Common Stock Held by the Employee Stock Ownership PlanRetained EarningsAccumulated Other Comprehensive Income (loss) Net of taxTreasury StockTotal Stockholders' Equity
Balance at March 31, 201949,773,796  $609  $546,861  $(20,743) $306,588  $(2,949) $(150,926) $679,440  
Net income8,204  8,204  
Other comprehensive loss, net of tax7,109  7,109  
ESOP shares allocated or committed to be released205  252  457  
Stock compensation expense1,112  1,112  
Forfeitures of restricted stock(8,000) 118  (118) —  
Exercise of stock options, net9,838  (99) 133  34  
Cash dividends declared and paid $0.11 per common share)
(5,198) (5,198) 
Repurchase of treasury stock (average cost of $15.16 per share)
(663,495) (10,065) (10,065) 
Balance at June 30, 201949,112,139  $609  $548,197  $(20,491) $309,594  $4,160  $(160,976) $681,093  
Balance at March 31, 202049,291,928  $609  $547,712  $(19,492) $321,981  $10,693  $(159,187) $702,316  
Net income10,793  10,793  
Other comprehensive income, net of tax3,982  3,982  
ESOP shares allocated or committed to be released79  248  327  
Stock compensation expense433  433  
Issuance of restricted stock(19,837) 271  (271) —  
Cash dividends declared and paid ($0.11 per common share)
(5,168) (5,168) 
Repurchase of treasury stock (average cost of $12.24 per share)
(8,714) (107) (107) 
Balance at June 30, 202049,263,377  $609  $548,495  $(19,244) $327,606  $14,675  $(159,565) $712,576  






See accompanying notes to unaudited consolidated financial statements.
7

NORTHFIELD BANCORP, INC.
CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY
Six Months Ended June 30, 2020 and 2019
(Unaudited) (In thousands, except share data) 
    
 Common Stock
 Shares Outstanding Par ValueAdditional Paid-in CapitalUnallocated Common Stock Held by the Employee Stock Ownership PlanRetained EarningsAccumulated Other Comprehensive Income (loss) Net of taxTreasury StockTotal Stockholders' Equity
Balance at December 31, 201849,635,673  $609  $546,219  $(20,992) $302,544  $(9,147) $(152,794) $666,439  
Net income    16,975    16,975  
Other comprehensive income, net of tax     13,307   13,307  
ESOP shares allocated or committed to be released  392  501     893  
Stock compensation expense  2,440      2,440  
Forfeitures of restricted stock(8,000) 118  (118) —  
Exercise of stock options, net147,961   (972)   2,001  1,029  
Cash dividends declared and paid ($0.21 per common share)
    (9,925)   (9,925) 
Repurchase of treasury stock (average cost of $15.16 per share)
(663,495)      (10,065) (10,065) 
Balance at June 30, 201949,112,139  $609  $548,197  $(20,491) $309,594  $4,160  $(160,976) $681,093  
Balance at December 31, 201949,175,347  $609  $548,486  $(19,740) $322,581  $4,699  $(160,782) $695,853  
Net income    15,344    15,344  
Other comprehensive income, net of tax     9,976   9,976  
ESOP shares allocated or committed to be released  277  496     773  
Stock compensation expense  881     881  
Issuance of restricted stock83,744   (1,145)    1,145  —  
Exercise of stock options, net13,000   (4)   179  175  
Cash dividends declared and paid ($0.22 per common share)
    (10,319)   (10,319) 
Repurchase of treasury stock (average cost of $12.24 per share)
(8,714) (107) (107) 
Balance at June 30, 202049,263,377  $609  $548,495  $(19,244) $327,606  $14,675  $(159,565) $712,576  






See accompanying notes to unaudited consolidated financial statements.
8

NORTHFIELD BANCORP, INC.
CONSOLIDATED STATEMENTS OF CASH FLOWS
(Unaudited) (In thousands)
Six Months Ended June 30,
 20202019
  
Net income$15,344  $16,975  
Adjustments to reconcile net income to net cash provided by operating activities:  
Provision for loan losses10,104  550  
ESOP and stock compensation expense1,654  3,333  
Depreciation1,612  1,542  
Amortization of premiums, and deferred loan costs, net of (accretion) of discounts, and deferred loan fees1,900  2,034  
Amortization of intangible assets110  136  
Amortization of operating lease right-of-use assets2,166  2,196  
Income on bank owned life insurance(1,741) (1,804) 
Net gain on sale of loans held-for-sale(665) 
Proceeds from sale of loans held-for-sale48,165  —  
Origination of loans held-for-sale(47,500) —  
Gains on available-for-sale debt securities, net(60) (214) 
Losses (gains) on trading securities, net366  (1,429) 
Net sales of trading securities762  183  
Decrease (increase) in accrued interest receivable1,584  (1,157) 
Increase in other assets(3,325) (2,457) 
Decrease in accrued expenses and other liabilities(3,691) (3,828) 
Net cash provided by operating activities26,785  16,060  
Cash flows from investing activities:  
Net increase in loans receivable(153,113) (53,140) 
Purchases of loans—  (41,527) 
Purchases of Federal Home Loan Bank of New York stock(10,497) (14,291) 
Redemptions of Federal Home Loan Bank of New York stock20,610  4,478  
Purchases of debt securities available-for-sale (132,052) (366,902) 
Purchases of equity securities(24) (1,048) 
Principal payments and maturities on debt securities available-for-sale 232,838  108,361  
Principal payments and maturities on debt securities held-to-maturity106  607  
Proceeds from sale of debt securities available-for-sale 12,623  34,442  
Proceeds from sale of equity securities2,035  —  
Proceeds from bank owned life insurance 2,716  —  
Purchases and improvements of premises and equipment(1,223) (1,637) 
Net cash used in investing activities(25,981) (330,657) 
Cash flows from financing activities:  
Net increase in deposits213,425  13,679  
Dividends paid(10,319) (9,925) 
Exercise of stock options175  1,029  
Purchase of treasury stock
(107) (10,065) 
Increase in advance payments by borrowers for taxes and insurance(163) 2,810  
Repayments under capital lease obligations—  (44) 
Proceeds from securities sold under agreements to repurchase and other borrowings370,267  349,760  
Repayments related to securities sold under agreements to repurchase and other borrowings(611,000) (63,502) 
Net cash (used in) provided by financing activities(37,722) 283,742  
Net decrease in cash and cash equivalents(36,918) (30,855) 
Cash and cash equivalents at beginning of period147,818  77,762  
Cash and cash equivalents at end of period$110,900  $46,907  
9

NORTHFIELD BANCORP, INC.
CONSOLIDATED STATEMENTS OF CASH FLOWS - (Continued)
(Unaudited) (In thousands)
Six Months Ended June 30,
20202019
Supplemental cash flow information:  
Cash paid during the period for:  
Interest$24,845  $24,930  
Income taxes7,375  5,732  
Non-cash transactions:  
Loan charge-offs, net291  215  
Initial recognition of operating lease right-of use assets—  43,560  
Initial recognition of operating lease liabilities—  47,328  
Transfer of originated loans held-for-investment to loans held-for-sale at fair value47,500  —  






































See accompanying notes to unaudited consolidated financial statements.

10
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements
Note 1 – Consolidated Financial Statements
Basis of Presentation

The consolidated financial statements are comprised of the accounts of Northfield Bancorp, Inc. (the “Company”) and its wholly owned subsidiaries, Northfield Investments, Inc. and Northfield Bank (the “Bank”), and the Bank’s wholly-owned subsidiaries, NSB Services Corp. and NSB Realty Trust, collectively (the “Company”). All significant intercompany accounts and transactions have been eliminated in consolidation.
 
In the opinion of management, all adjustments (consisting solely of normal and recurring adjustments) necessary for the fair presentation of the consolidated balance sheets and the consolidated statements of comprehensive income for the unaudited periods presented have been included. The results of operations and other data presented for the three and six months ended June 30, 2020 are not necessarily indicative of the results of operations that may be expected for the year ending December 31, 2020 or for any other period. Whenever necessary, certain prior year amounts are reclassified to conform to the current year presentation.
        In preparing the unaudited consolidated financial statements in conformity with U.S. generally accepted accounting principles (“U.S. GAAP”), management has made estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated balance sheets and the consolidated statements of comprehensive income for the periods indicated. Material estimates that are particularly susceptible to change are: the allowance for loan losses, estimated cash flows of our purchased credit-impaired (“PCI”) loans and the valuation allowance against deferred tax assets. Estimates and assumptions are reviewed periodically and the effects of revisions are reflected in the consolidated financial statements in the period they are deemed necessary. While management uses its best judgment, actual amounts or results could differ significantly from those estimates.
 
Certain information and note disclosures usually included in financial statements prepared in accordance with U.S. GAAP have been condensed or omitted pursuant to the rules and regulations of the Securities and Exchange Commission (“SEC”) for the preparation of interim financial statements. The consolidated financial statements presented should be read in conjunction with the audited consolidated financial statements and notes to consolidated financial statements included in the Company's Annual Report on Form 10-K for the year ended December 31, 2019, as filed with the SEC. 

COVID-19

        On March 13, 2020, the Coronavirus Disease (COVID-19) pandemic was declared a national emergency by the President of the United States. The spread of COVID-19 has negatively impacted the national and local economy, disrupted supply chains and increased unemployment levels. The resulting temporary closure of many businesses and the implementation of social distancing and stay-at-home policies has and will continue to impact many of the Company’s customers. The Company is committed to supporting its customers, employees and communities during this difficult time and has adapted to the changing environment. The Company has implemented temporary relief assistance to customers, including the consideration of various loan payment deferral and fee waiver options. Branch facilities remained open, but lobbies were temporarily closed for much of the second quarter of 2020, with transactions being conducted through drive-up windows or on-line channels. As of July 6, 2020, bank branches were fully open with additional health, social distancing, and limited capacity measures put in place to meet safety requirements. We have also transitioned the majority of our workforce to work remotely.

On March 27, 2020, the Coronavirus Aid, Relief, and Economic Security (“CARES”) Act was signed into law. It contains substantial tax and spending provisions intended to address the impact of the COVID-19 pandemic. The CARES Act includes a range of other provisions designed to support the U.S. economy and mitigate the impact of COVID-19 on financial institutions and their customers, including through the authorization of various relief programs and measures that the U.S. Department of the Treasury, the Small Business Administration, the Federal Reserve Board (“FRB”) and other federal banking agencies have implemented or may implement.

11
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
        Under the CARES Act, financial institutions are permitted to delay the adoption of the Financial Accounting Standards Board's (“FASB”) Accounting Standard Update (“ASU”) No. 2016-13, Financial Instruments - Credit Losses (Topic 326) (“CECL”) until the earlier of the termination date of the national emergency declaration or December 31, 2020. The Company has elected to defer the adoption of CECL, with an effective retrospective implementation date of January 1, 2020.

        The CARES Act also includes a provision that permits a financial institution to elect to suspend temporarily troubled debt restructuring (“TDR”) accounting under ASC Subtopic 310-40. To be eligible, a loan modification must be: (1) related to COVID-19; (2) executed on a loan that was not more than 30 days past due as of December 31, 2019; and (3) executed between March 1, 2020, and the earlier of (a) 60 days after the date of termination of the national emergency or (b) December 31, 2020. This includes short-term (e.g., up to six months) modifications such as payment deferrals, fee waivers, extensions of repayment terms, or delays in payment that are insignificant. Borrowers considered current are those that are less than 30 days past due on their contractual payments at the time a modification program is implemented. The banking regulators issued similar guidance, which also clarified that a COVID-19-related modification should not be considered a TDR if the borrower was current on payments at the time the underlying loan modification program was implemented and if the modification is considered to be short-term. The Company implemented a short-term loan modification program in late March 2020 to provide temporary payment relief to borrowers impacted by COVID-19. The program allows for a deferral of payments typically for 90 days, which may be extended for an additional 90 days, for a maximum of 180 days on a cumulative basis. See Note 5 - Loans for additional details of the Company's loan modification program.

A provision in the CARES Act includes a $349 billion fund for the creation of the Paycheck Protection Program (“PPP”) through the Small Business Administration (“SBA”) and Treasury Department. On April 24, 2020, the Paycheck Protection Program and Health Care Enhancement Act was signed into law, adding an additional $310 billion of funding to the PPP. The PPP provides 100% federally guaranteed loans for small businesses to cover payroll, utilities, rent and interest. These small business loans may be forgiven if borrowers maintain their payrolls and satisfy certain other conditions for a period of time during the COVID-19 pandemic. As of June 30, 2020, the Company had funded over 900 PPP loans to new and existing customers, totaling approximately $109.2 million, and benefiting small businesses with over 13,000 employees. PPP provides for lender processing fees that range from 1% to 5% of the final disbursement made to individual borrowers. Based on the Company’s approved disbursements as of June 30, 2020, we estimate our loan processing fees would be approximately $4.0 million which will be recognized in income in future periods over the life of the loans. PPP loans are fully guaranteed by the SBA, unless the lender violated an obligation under the agreement, and are therefore excluded from the allowance for loan and lease losses calculation.

The Company continues to maintain a strong liquidity and capital position, despite the economic uncertainties presented by the COVID-19 pandemic. As of June 30, 2020, both the Company and the Bank's capital ratios were in excess of regulatory requirements and are currently classified as well capitalized. The Company maintains access to multiple sources of liquidity and expects to have sufficient funds available to meet current commitments in the normal course of business.

        While, the Company has not incurred any significant disruption to its business activities as a result of COVID-19, the full impact of the pandemic is unknown and rapidly evolving. The outbreak is having a significant adverse impact on certain industries the Company serves, including retail, accommodations, and restaurants and food services. While most states have re-opened, it is under limited capacities and under other social-distancing restrictions, which has resulted in lower commercial activity and consumer spending. This decrease in commercial activity may result in our customers' inability to meet their loan obligations to us. In addition, the economic pressures and uncertainties related to the COVID-19 pandemic have resulted in changes in consumer spending behaviors, which may negatively impact the demand for loans and other services we offer. Because of the significant uncertainties related to the ultimate duration of the COVID-19 pandemic and its effects on our customers and prospects, and on the local and national economy, there can be no assurances as to how the crisis may ultimately affect the Company's loan portfolio, and business as a whole. The extent of such impact will depend on future developments, which are highly uncertain, including when the coronavirus can be controlled and abated and when and how the economy may be fully reopened. As such, the Company could be subject to certain risks, any of which could have a material, adverse effect on our business, financial condition, liquidity, and results of operations.

12
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
Note 2 – Debt Securities Available-for-Sale
The following is a comparative summary of mortgage-backed and other debt securities available-for-sale at June 30, 2020, and December 31, 2019 (in thousands):
 June 30, 2020
  GrossGrossEstimated
 Amortizedunrealizedunrealizedfair
 costgainslossesvalue
Mortgage-backed securities:
Pass-through certificates:    
Government sponsored enterprises (GSE)$278,065  $11,163  $75  $289,153  
Real estate mortgage investment conduits (REMICs):    
GSE646,257  7,878  126  654,009  
Non-GSE48  —  1  47  
 924,370  19,041  202  943,209  
Other debt securities:    
Municipal bonds253  1  —  254  
Corporate bonds92,631  1,395  —  94,026  
92,884  1,396  —  94,280  
Total debt securities available-for-sale$1,017,254  $20,437  $202  $1,037,489  
 December 31, 2019
  GrossGrossEstimated
 Amortizedunrealizedunrealizedfair
 costgainslossesvalue
Mortgage-backed securities:    
Pass-through certificates:    
GSE$324,080  $6,081  $754  $329,407  
REMICs:    
GSE643,816  2,076  2,225  643,667  
Non-GSE53  —  —  53  
 967,949  8,157  2,979  973,127  
Other debt securities:
Municipal bonds296  3  —  299  
Corporate bonds163,725  1,214  13  164,926  
164,021  1,217  13  165,225  
Total debt securities available-for-sale$1,131,970  $9,374  $2,992  $1,138,352  
The following is a summary of the expected maturity distribution of debt securities available-for-sale, other than mortgage-backed securities, at June 30, 2020 (in thousands):
Available-for-saleAmortized costEstimated fair value
Due in one year or less$42,195  $42,513  
Due after one year through five years50,689  51,767  
 $92,884  $94,280  
 Contractual maturities for mortgage-backed securities are not included above, as expected maturities on mortgage-backed securities may differ from contractual maturities as borrowers may have the right to call or prepay obligations with or without penalties.

13
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
        Certain debt securities available-for-sale are pledged or encumbered to secure borrowings under Pledge Agreements and Repurchase Agreements and for other purposes required by law. At June 30, 2020, the fair value of debt securities available-for-sale that were pledged to secure borrowings and deposits was $584.2 million.

        For the three months ended June 30, 2020, the Company had gross proceeds of $12.6 million on sales of debt securities available-for-sale, with gross realized gains of $74,000 related to sales of securities and gross realized losses of $1,000 related to calls of securities. For the six months ended June 30, 2020, the Company had gross proceeds of $12.6 million on sales of debt securities available-for-sale, with gross realized gains of $74,000 related to sales of securities and gross realized losses of $14,000 related to calls of securities. For the three and six months ended June 30, 2019, the Company had gross proceeds of $5.2 million and $34.4 million, respectively, on sales of debt securities available-for-sale, with gross realized gains of $59,000 and $214,000, respectively, and no gross realized losses. The Company recognized net gains of $1.6 million and net losses of $366,000 on its trading securities portfolio during the three and six months ended June 30, 2020, respectively, and net gains of $343,000 and $1.4 million, during the three and six months ended June 30, 2019, respectively.

Gross unrealized losses on mortgage-backed and other debt securities available-for-sale, and the estimated fair value of the related securities, aggregated by security category and length of time that individual securities have been in a continuous unrealized loss position, at June 30, 2020, and December 31, 2019, were as follows (in thousands):
 June 30, 2020
 Less than 12 months12 months or moreTotal
 UnrealizedEstimatedUnrealizedEstimatedUnrealizedEstimated
 lossesfair valuelossesfair valuelossesfair value
Mortgage-backed securities:
Pass-through certificates:      
GSE$—  $—  $75  $543  $75  $543  
REMICs:      
GSE112  31,767  14  13,281  126  45,048  
Non-GSE—  —  1  47  1  47  
Other debt securities:      
Municipal bonds—  125  —  —  —  125  
Total$112  $31,892  $90  $13,871  $202  $45,763  
 December 31, 2019
 Less than 12 months12 months or moreTotal
 UnrealizedEstimatedUnrealizedEstimatedUnrealizedEstimated
 lossesfair valuelossesfair valuelossesfair value
Mortgage-backed securities:      
Pass-through certificates:      
GSE$25  $3,404  $729  $55,184  $754  $58,588  
REMICs:      
GSE950  197,634  1,275  54,555  2,225  252,189  
Non-GSE—  —  —  53  —  53  
Other debt securities:
Corporate bonds—  —  13  15,586  13  15,586  
Total$975  $201,038  $2,017  $125,378  $2,992  $326,416  
 
The Company held 12 pass-through mortgage-backed securities issued or guaranteed by GSEs, four REMIC mortgage-backed securities issued or guaranteed by GSEs, and one REMIC mortgage-backed security not issued or guaranteed by a GSE, that were in a continuous unrealized loss position of twelve months or greater at June 30, 2020. There were 10 REMIC mortgage-backed securities issued or guaranteed by GSEs, and two municipal bonds that were in an unrealized loss position of less than twelve months at June 30, 2020. All securities referred to above were rated investment grade at June 30, 2020. Management evaluated these securities and concluded that the declines in fair value relate to the general interest rate environment and are considered temporary. The securities cannot be prepaid in a manner that would result in the Company not
14
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
receiving substantially all of its amortized cost. The Company neither has an intent to sell, nor is it more likely than not that the Company will be required to sell, the securities before the recovery of their amortized cost basis or, if necessary, maturity.
 
The fair values of our debt securities available-for-sale could decline in the future if the underlying performance of the collateral for the collateralized mortgage obligations or other securities deteriorates and our credit enhancement levels do not provide sufficient protections to our contractual principal and interest, which may result in other-than-temporary impairment in the future. The Company did not recognize any other-than-temporary impairment charges during the three and six months ended June 30, 2020, or June 30, 2019.  

Note 3 – Debt Securities Held-to-Maturity
        The following is a summary of debt securities held-to-maturity at June 30, 2020, and December 31, 2019 (in thousands): 
 June 30, 2020
 Amortized CostGross Unrealized GainsGross Unrealized LossesEstimated Fair Value
Mortgage-backed securities:    
Pass-through certificates:    
GSEs$8,648  $370  $—  $9,018  
Total securities held-to-maturity$8,648  $370  $—  $9,018  
 December 31, 2019
 Amortized CostGross Unrealized GainsGross Unrealized LossesEstimated Fair Value
Mortgage-backed securities:    
Pass-through certificates:    
GSEs$8,762  $129  $5  $8,886  
Total securities held-to-maturity$8,762  $129  $5  $8,886  
        
        Contractual maturities for mortgage-backed securities are not presented, as expected maturities on mortgage-backed securities may differ from contractual maturities as borrowers may have the right to call or prepay obligations with or without penalties. There were no sales of held-to-maturity securities for the six months ended June 30, 2020, or June 30, 2019.

        At June 30, 2020, debt securities held-to-maturity with a carrying value of $7.3 million were pledged to secure borrowings and deposits.

        At June 30, 2020, there were no debt securities held-to-maturity in an unrealized loss position.

        Gross unrealized losses on mortgage-backed securities held-to-maturity, and the estimated fair value of the related securities, aggregated by security category and length of time that individual securities have been in a continuous unrealized loss position at December 31, 2019, were as follows (in thousands):
 December 31, 2019
 Less than 12 months12 months or moreTotal
 Unrealized lossesEstimated fair valueUnrealized lossesEstimated fair valueUnrealized lossesEstimated fair value
Mortgage-backed securities:
Pass-through certificates:  
GSEs$—  $—  $5  $378  $5  $378  
Total securities held-to-maturity$—  $—  $5  $378  $5  $378  
        
15
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
        The fair values of our debt securities held-to-maturity could decline in the future if the underlying performance of the collateral for the collateralized mortgage obligations or other securities deteriorates and our credit enhancement levels do not provide sufficient protections to our contractual principal and interest. As a result, there is a risk that significant other-than-temporary impairments may occur in the future given the current economic environment. The Company did not recognize any other-than-temporary impairment charges in earnings on securities held-to-maturity during the three and six months ended June 30, 2020, or June 30, 2019.

Note 4 – Equity Securities
        At June 30, 2020 and December 31, 2019, equity securities totaled $1.3 million and $3.3 million, respectively. Equity securities consist of money market mutual funds, recorded at fair value of $214,000 and $250,000 at June 30, 2020 and December 31, 2019, respectively, and an investment in a private Small Business Administration (“SBA”) Loan Fund recorded at net asset value of $1.1 and $3.1 million at June 30, 2020 and December 31, 2019, respectively. As the SBA Loan Fund operates as a private fund, its shares are not publicly traded and therefore have no readily determinable market value. The investment in the fund is recorded at net asset value as a practical expedient for reporting fair value.

Note 5 – Loans
 
Net loans held-for-investment are as follows (in thousands):
 June 30,December 31,
 20202019
Real estate loans: 
Multifamily$2,300,773  $2,196,407  
Commercial mortgage535,629  528,681  
One-to-four family residential mortgage82,697  83,742  
Home equity and lines of credit88,105  84,928  
Construction and land46,815  38,284  
Total real estate loans3,054,019  2,932,042  
Commercial and industrial loans (1)
152,879  45,328  
Other loans2,411  2,083  
Total commercial and industrial and other loans155,290  47,411  
Deferred loan cost, net4,380  7,614  
Originated loans held-for-investment, net3,213,689  2,987,067  
PCI Loans14,775  17,365  
Loans acquired:  
One-to-four family residential mortgage147,179  187,975  
Multifamily95,835  108,417  
Commercial mortgage98,281  113,027  
Home equity and lines of credit10,091  12,008  
Construction and land1,475  2,537  
Total acquired real estate loans352,861  423,964  
Commercial and industrial loans8,034  8,689  
Total loans acquired, net360,895  432,653  
Loans held-for-investment, net3,589,359  3,437,085  
Allowance for loan losses(38,520) (28,707) 
Net loans held-for-investment$3,550,839  $3,408,378  
(1) Included in originated commercial and industrial loans at June 30, 2020, are PPP loans totaling $105.7 million. There were no PPP loans at December 31, 2019.

        There were no loans held-for-sale at June 30, 2020, or December 31, 2019.

16
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
PCI loans totaled $14.8 million at June 30, 2020, as compared to $17.4 million at December 31, 2019. The majority of the PCI loan balance is attributable to those loans acquired as part of a Federal Deposit Insurance Corporation-assisted transaction. The Company accounts for PCI loans utilizing U.S. GAAP applicable to loans acquired with deteriorated credit quality. At June 30, 2020, PCI loans consisted of approximately 22% commercial real estate loans and 47% commercial and industrial loans, with the remaining balance in residential and home equity loans. At December 31, 2019, PCI loans consisted of approximately 29% commercial real estate loans and 42% commercial and industrial loans, with the remaining balance in residential and home equity loans.

The following table details the accretion of interest income for PCI loans for the three and six months ended June 30, 2020 and June 30, 2019 (in thousands): 
 At or for the three months ended June 30,At or for the six months ended June 30,
 2020201920202019
Balance at the beginning of period$16,283  $20,797  $17,086  $21,846  
Accretion into interest income(717) (1,003) (1,520) (2,052) 
Balance at end of period$15,566  $19,794  $15,566  $19,794  
17
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
The following tables set forth activity in our allowance for loan losses, by loan type, as of and for the three and six months ended June 30, 2020, and June 30, 2019 (in thousands):  
 Three Months Ended June 30, 2020
 Real Estate     
 CommercialOne-to-Four FamilyConstruction and LandMultifamilyHome Equity and Lines of CreditCommercial and IndustrialOtherOriginated Loans TotalPurchased Credit-ImpairedAcquired LoansTotal
Allowance for loan losses:          
Beginning balance$5,389  $312  $671  $26,889  $574  $2,035  $86  $35,956  $789  $55  $36,800  
Charge-offs(164) —  —  —  —  (57) —  (221) —  —  (221) 
Recoveries13  —  —  —  —  3  —  16  —  4  20  
Provisions (credit)1,271  (40) 266  354  (16) (135) 90  1,790  —  131  1,921  
Ending balance$6,509  $272  $937  $27,243  $558  $1,846  $176  $37,541  $789  $190  $38,520  
 Three Months Ended June 30, 2019
 Real Estate     
 CommercialOne-to-Four FamilyConstruction and LandMultifamilyHome Equity and Lines of CreditCommercial and IndustrialOtherOriginated Loans Total Purchased Credit-ImpairedAcquired LoansTotal
Allowance for loan losses:          
Beginning balance$5,382  $370  $574  $18,346  $336  $1,376  $92  $26,476  $1,010  $—  $27,486  
Charge-offs—  —  —  —  —  (57) (123) (180) —  (53) (233) 
Recoveries13  72  —  —  —  —  1  86  —  2  88  
Provisions (credit)(64) (208) 10  38  81  272  176  305  —  186  491  
Ending balance$5,331  $234  $584  $18,384  $417  $1,591  $146  $26,687  $1,010  $135  $27,832  





18
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
 Six Months Ended June 30, 2020
 Real Estate     
 CommercialOne-to-Four FamilyConstruction and LandMultifamilyHome Equity and Lines of CreditCommercial and IndustrialOtherOriginated Loans TotalPurchased Credit-ImpairedAcquired LoansTotal
Allowance for loan losses:          
Beginning balance$4,756  $180  $536  $20,203  $317  $1,640  $151  $27,783  $789  $135  $28,707  
Charge-offs(164) —  —  —  —  (94) —  (258) —  (433) (691) 
Recoveries383  —  —  —  —  5  —  388  —  12  400  
Provisions (credit)1,534  92  401  7,040  241  295  25  9,628  —  476  10,104  
Ending balance$6,509  $272  $937  $27,243  $558  $1,846  $176  $37,541  $789  $190  $38,520  
 Six Months Ended June 30, 2019
 Real Estate     
 CommercialOne-to-Four FamilyConstruction and LandMultifamilyHome Equity and Lines of CreditCommercial and IndustrialOtherOriginated Loans TotalPurchased Credit-ImpairedAcquired LoansTotal
Allowance for loan losses:          
Beginning balance$5,630  $342  $463  $18,084  $291  $1,569  $108  $26,487  $1,010  $—  $27,497  
Charge-offs(6) —  —  —  —  (83) (123) (212) —  (112) (324) 
Recoveries25  72  —  —  —  —  1  98  —  11  109  
Provisions (credit)(318) (180) 121  300  126  105  160  314  —  236  550  
Ending balance$5,331  $234  $584  $18,384  $417  $1,591  $146  $26,687  $1,010  $135  $27,832  

        
19
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
        The following tables detail the amount of loans receivable held-for-investment, net of deferred loan fees and costs, that are evaluated individually, and collectively, for impairment, and the related portion of the allowance for loan losses that is allocated to each loan portfolio segment, at June 30, 2020, and December 31, 2019 (in thousands):
 June 30, 2020
 Real Estate     
 CommercialOne-to-Four FamilyConstruction and LandMultifamilyHome Equity and Lines of CreditCommercial and IndustrialOtherOriginated Loans TotalPurchased Credit-ImpairedAcquired LoansTotal
Allowance for loan losses:
Ending balance: individually evaluated for impairment$117  $4  $—  $—  $4  $4  $—  $129  $—  $190  $319  
Ending balance: collectively evaluated for impairment$6,392  $268  $937  $27,243  $554  $1,842  $176  $37,412  $789  $—  $38,201  
Loans, net:          
Ending balance$536,245  $84,189  $46,843  $2,304,166  $90,110  $149,725  $2,411  $3,213,689  $14,775  $360,895  $3,589,359  
Ending balance: individually evaluated for impairment$11,611  $1,691  $—  $634  $51  $54  $—  $14,041  $—  $5,840  $19,881  
Ending balance: collectively evaluated for impairment$524,634  $82,498  $46,843  $2,303,532  $90,059  $149,671  $2,411  $3,199,648  $14,775  $355,055  $3,569,478  
 December 31, 2019
 Real Estate     
 CommercialOne-to-Four FamilyConstruction and LandMultifamilyHome Equity and Lines of CreditCommercial and IndustrialOtherOriginated Loans TotalPurchased Credit-ImpairedAcquired LoansTotal
Allowance for loan losses:
Ending balance: individually evaluated for impairment$—  $—  $—  $—  $3  $4  $—  $7  $—  $135  $142  
Ending balance: collectively evaluated for impairment$4,756  $180  $536  $20,203  $314  $1,636  $151  $27,776  $789  $—  $28,565  
Loans, net:          
Ending balance$529,287  $85,355  $38,303  $2,199,734  $86,848  $45,456  $2,084  $2,987,067  $17,365  $432,653  $3,437,085  
Ending balance: individually evaluated for impairment$13,226  $1,841  $—  $997  $55  $58  $—  $16,177  $—  $4,780  $20,957  
Ending balance: collectively evaluated for impairment$516,061  $83,514  $38,303  $2,198,737  $86,793  $45,398  $2,084  $2,970,890  $17,365  $427,873  $3,416,128  
20
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
        The Company monitors the credit quality of its loan portfolio on a regular basis. Credit quality is monitored by reviewing certain credit quality indicators. Management has determined that loan-to-value ratios (at period end) and internally assigned credit risk ratings by loan type are the key credit quality indicators that best measure the credit quality of the Company’s loan receivables. Loan-to-value (“LTV”) ratios used by management in monitoring credit quality are based on current period loan balances and original appraised values at the time of origination (unless a current appraisal has been obtained as a result of the loan being deemed impaired). In calculating the provision for loan losses, based on past loan loss experience, management has determined that commercial real estate loans and multifamily loans having loan-to-value ratios, as described above, of less than 35%, and one-to-four family loans having loan-to-value ratios, as calculated above, of less than 60%, require less of a loss factor than those with higher loan to value ratios.
 
        The Company maintains a credit risk rating system as part of the risk assessment of its loan portfolio. The Company’s lending officers are required to assign a credit risk rating to each loan in their portfolio at origination. This risk rating is reviewed periodically and adjusted if necessary. Monthly, management presents monitored assets to the loan committee. In addition, the Company engages a third-party independent loan reviewer that performs semi-annual reviews of a sample of loans, validating the credit risk ratings assigned to such loans. The credit risk ratings play an important role in the establishment of the provision for loan losses and the allowance for loan losses for originated loans held-for-investment. After determining the loss factor for each originated portfolio segment held-for-investment, the collectively evaluated for impairment balance of the held-for-investment portfolio is multiplied by the collectively evaluated for impairment loss factor for the respective portfolio segment in order to determine the allowance for loans collectively evaluated for impairment.

        When assigning a risk rating to a loan, management utilizes the Bank’s internal nine-point credit risk rating system. 

1.Strong
2.Good
3.Acceptable
4.Adequate
5.Watch
6.Special Mention
7.Substandard
8.Doubtful
9.Loss
 
        Loans rated 1 to 5 are considered pass ratings. An asset is classified substandard if it is inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Substandard assets have well defined weaknesses based on objective evidence, and are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Assets classified as doubtful have all of the weaknesses inherent in those classified substandard with the added characteristic that the weaknesses present make collection or liquidation in full highly questionable and improbable based on current circumstances. Assets classified as loss are those considered uncollectible and of such little value that their continuance as assets is not warranted. Assets which do not currently expose the Company to sufficient risk to warrant classification in one of the aforementioned categories, but possess weaknesses, are required to be designated special mention.
21
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
The following tables detail the recorded investment of originated loans held-for-investment, net of deferred fees and costs, by loan type and credit quality indicator at June 30, 2020, and December 31, 2019 (in thousands):
 At June 30, 2020
 Real Estate   
 MultifamilyCommercialOne-to-Four FamilyConstruction and LandHome Equity and Lines of CreditCommercial and IndustrialOtherTotal
 < 35% LTV=> 35% LTV< 35% LTV=> 35% LTV< 60% LTV=> 60% LTV     
Internal Risk Rating           
Pass$248,120  $2,049,444  $90,805  $438,479  $53,521  $28,326  $46,843  $89,749  $149,391  $2,411  $3,197,089  
Special Mention—  760  —  808  590  —  —  76  297  —  2,531  
Substandard585  5,257  —  6,153  1,727  25  —  285  37  —  14,069  
Originated loans held-for-investment, net$248,705  $2,055,461  $90,805  $445,440  $55,838  $28,351  $46,843  $90,110  $149,725  $2,411  $3,213,689  
 At December 31, 2019
 Real Estate   
 MultifamilyCommercialOne-to-Four FamilyConstruction and LandHome Equity and Lines of CreditCommercial and IndustrialOtherTotal
 < 35% LTV=> 35% LTV< 35% LTV=> 35% LTV< 60% LTV=> 60% LTV     
Internal Risk Rating           
Pass$232,950  $1,960,984  $79,485  $440,065  $52,886  $29,967  $38,303  $86,547  $45,075  $2,084  $2,968,346  
Special Mention—  296  370  1,092  777  —  —  14  301  —  2,850  
Substandard301  5,203  —  8,275  1,397  328  —  287  80  —  15,871  
Originated loans held-for-investment, net$233,251  $1,966,483  $79,855  $449,432  $55,060  $30,295  $38,303  $86,848  $45,456  $2,084  $2,987,067  
22
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
Included in loans receivable are loans for which the accrual of interest income has been discontinued due to deterioration in the financial condition of the borrowers. The recorded investment of these non-accrual loans was $8.8 million and $9.4 million at June 30, 2020, and December 31, 2019, respectively. Generally, loans are placed on non-accrual status when they become 90 days or more delinquent, or sooner if considered appropriate by management, and remain on non-accrual status until they are brought current, have six consecutive months of performance under the loan terms, and factors indicating reasonable doubt about the timely collection of payments no longer exist. Therefore, loans may be current in accordance with their loan terms, or may be less than 90 days delinquent and still be on a non-accruing status.    

The non-accrual amounts included loans deemed to be impaired of $6.6 million and $6.8 million at June 30, 2020, and December 31, 2019, respectively. Loans on non-accrual status with principal balances less than $500,000, and therefore not meeting the Company’s definition of an impaired loan, amounted to $2.2 million at June 30, 2020 and $2.6 million at December 31, 2019. There were no non-accrual loans held-for-sale at both June 30, 2020 and December 31, 2019. Loans past due 90 days or more and still accruing interest were $978,000 at June 30, 2020 and $518,000 at December 31, 2019, and consisted of loans that are considered well-secured and in the process of collection.
23
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
        The following tables set forth the detail, and delinquency status, of non-performing loans (non-accrual loans and loans past due 90 days or more and still accruing), net of deferred fees and costs, at June 30, 2020, and December 31, 2019, excluding PCI loans which have been segregated into pools. For PCI loans, each loan pool is accounted for as a single asset with a single composite interest rate and an aggregate expectation of cash flows (in thousands):
 June 30, 2020
 Total Non-Performing Loans
 Non-Accruing Loans  
 0-29 Days Past Due30-89 Days Past Due90 Days or More Past DueTotal90 Days or More Past Due and AccruingTotal Non-Performing Loans
Loans held-for-investment:      
Real estate loans:      
Commercial      
LTV => 35%      
Substandard$—  $—  $944  $944  —  $944  
Total commercial—  —  944  944  —  944  
One-to-four family residential      
LTV < 60%      
Substandard405  —  77  482  171  653  
Total405  —  77  482  171  653  
LTV => 60%       
Substandard24  —  —  24  —  24  
Total one-to-four family residential429  —  77  506  171  677  
Multifamily      
LTV < 35%
Substandard—  —  291  291  —  291  
LTV => 35%      
Substandard—  —  —  —  493  493  
Total multifamily—  —  291  291  493  784  
Home equity and lines of credit      
Substandard—  64  89  153  100  253  
Total home equity and lines of credit—  64  89  153  100  253  
Total non-performing loans held-for-investment, originated429  64  1,401  1,894  764  2,658  
Loans acquired:      
Real estate loans:
Commercial      
LTV < 35%      
Substandard79  —  187  266  —  266  
LTV => 35%
Substandard2,852  1,274  1,753  5,879  —  5,879  
Total commercial2,931  1,274  1,940  6,145  —  6,145  
One-to-four family residential      
LTV < 60%      
Substandard—  188  27  215  161  376  
LTV => 60%        
Substandard—  —  93  93  —  93  
Total one-to-four family residential—  188  120  308  161  469  
Multifamily
LTV < 35%
Substandard40  —  —  40  —  40  
LTV => 35%
Substandard—  391  —  391  —  391  
Total multifamily40  391  —  431  —  431  
Home equity and lines of credit - Substandard—  —  28  28  14  42  
Total home equity and lines of credit—  —  28  28  14  42  
Commercial and industrial loans       
Substandard—  —  —  —  39  39  
Total commercial and industrial loans—  —  —  —  39  39  
Total non-performing loans acquired2,971  1,853  2,088  6,912  214  7,126  
Total non-performing loans$3,400  $1,917  $3,489  $8,806  $978  $9,784  
24
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
 December 31, 2019
 Total Non-Performing Loans
 Non-Accruing Loans  
 0-29 Days Past Due30-89 Days Past Due90 Days or More Past DueTotal90 Days or More Past Due and AccruingTotal Non-Performing Loans
Loans held-for-investment:      
Real estate loans:      
Commercial      
LTV < 35%      
Substandard$2,416  $2,416  $2,416  
Total commercial—  —  2,416  2,416  —  2,416  
One-to-four family residential      
LTV < 60%      
Substandard—  —  493  493  114  607  
LTV => 60%      
Substandard—  29  —  29  —  29  
Total one-to-four family residential—  29  493  522  114  636  
Home equity and lines of credit
Substandard—  67  89  156  —  156  
Total home equity and lines of credit—  67  89  156  —  156  
Total non-performing loans held-for-investment, originated—  96  2,998  3,094  114  3,208  
Loans acquired:      
Real estate loans:
Commercial
LTV < 35%
Substandard79  —  188  267  66  333  
LTV => 35%
Substandard3,530  —  1,709  5,239  187  5,426  
Total commercial3,609  —  1,897  5,506  253  5,759  
One-to-four family residential
LTV < 60%      
Substandard190  —  85  275  151  426  
LTV => 60%
Substandard—  —  93  93  —  93  
Total one-to-four family residential190  —  178  368  151  519  
Multifamily      
LTV < 35%
Substandard40  —  —  40  —  40  
LTV => 35%      
Substandard—  397  —  397  —  397  
Total multifamily40  397  —  437  —  437  
Home equity and lines of credit
Substandard—  —  28  28  —  28  
Total home equity and lines of credit—  —  28  28  —  28  
Total non-performing loans acquired3,839  397  2,103  6,339  404  6,743  
Total non-performing loans$3,839  $493  $5,101  $9,433  $518  $9,951  
25
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
The following tables set forth the detail and delinquency status of originated and acquired loans held-for-investment, net of deferred fees and costs, by performing and non-performing loans at June 30, 2020, and December 31, 2019 (in thousands):
 June 30, 2020
 Performing (Accruing) Loans  
 0-29 Days Past Due30-89 Days Past DueTotalNon-Performing LoansTotal Loans Receivable, net
Loans held-for-investment:     
Real estate loans:     
Commercial     
LTV < 35%     
Pass$88,671  $2,134  $90,805  $—  $90,805  
Total88,671  2,134  90,805  —  90,805  
LTV => 35%     
Pass430,117  8,362  438,479  —  438,479  
Special Mention808  —  808  —  808  
Substandard5,209  —  5,209  944  6,153  
Total436,134  8,362  444,496  944  445,440  
Total commercial524,805  10,496  535,301  944  536,245  
One-to-four family residential     
LTV < 60%     
Pass53,077  444  53,521  —  53,521  
Special Mention80  510  590  —  590  
Substandard1,074  —  1,074  653  1,727  
Total54,231  954  55,185  653  55,838  
LTV => 60%     
Pass28,326  —  28,326  —  28,326  
Substandard—  —  —  25  25  
Total28,326  —  28,326  25  28,351  
Total one-to-four family residential82,557  954  83,511  678  84,189  
Construction and land     
Pass46,645  198  46,843  —  46,843  
Total construction and land46,645  198  46,843  —  46,843  
Multifamily     
LTV < 35%     
Pass248,120  —  248,120  —  248,120  
Substandard294  —  294  291  585  
Total248,414  —  248,414  291  248,705  
LTV => 35%     
Pass2,049,444  —  2,049,444  —  2,049,444  
Special Mention760  —  760  —  760  
Substandard4,690  75  4,765  492  5,257  
Total2,054,894  75  2,054,969  492  2,055,461  
Total multifamily2,303,308  75  2,303,383  783  2,304,166  
Home equity and lines of credit     
Pass89,455  294  89,749  —  89,749  
Special Mention76  —  76  —  76  
Substandard32  —  32  253  285  
Total home equity and lines of credit89,563  294  89,857  253  90,110  
Commercial and industrial      
Pass148,939  452  149,391  —  149,391  
Special Mention267  30  297  —  297  
Substandard37  —  37  —  37  
Total commercial and industrial 149,243  482  149,725  —  149,725  
26
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
 June 30, 2020
 Performing (Accruing) Loans (Continued)  
 0-29 Days Past Due30-89 Days Past DueTotalNon-Performing LoansTotal Loans Receivable, net
Other loans     
Pass2,411  —  2,411  2,411  
Total originated loans held-for-investment3,198,532  12,499  3,211,031  2,658  3,213,689  
Acquired loans:
Real estate loans:
One-to-four family residential
LTV < 60%
Pass132,919  834  133,753  155  133,908  
Special Mention—  378  378  —  378  
Substandard—  —  —  221  221  
Total132,919  1,212  134,131  376  134,507  
LTV => 60%     
Pass12,579  —  12,579  —  12,579  
Substandard—  —  —  93  93  
Total12,579  —  12,579  93  12,672  
Total one-to-four family residential145,498  1,212  146,710  469  147,179  
Commercial     
LTV < 35%     
Pass32,999  —  32,999  —  32,999  
Special Mention83  —  83  —  83  
Substandard591  —  591  266  857  
Total33,673  —  33,673  266  33,939  
LTV => 35%
Pass49,705  —  49,705  —  49,705  
Special Mention—  336  336  —  336  
Substandard6,822  1,601  8,423  5,878  14,301  
Total56,527  1,937  58,464  5,878  64,342  
Total commercial90,200  1,937  92,137  6,144  98,281  
Construction and land     
Pass1,475  —  1,475  —  1,475  
Total construction and land1,475  —  1,475  —  1,475  
Multifamily     
LTV < 35%     
Pass92,794  —  92,794  —  92,794  
Substandard—  —  —  40  40  
Total92,794  —  92,794  40  92,834  
LTV => 35%     
Pass2,609  —  2,609  —  2,609  
Substandard—  —  —  392  392  
Total2,609  —  2,609  392  3,001  
Total multifamily95,403  —  95,403  432  95,835  
Home equity and lines of credit
Pass9,467  408  9,875  —  9,875  
Special Mention$46  $—  $46  $—  $46  
Substandard80  48  128  42  170  
Total home equity and lines of credit9,593  456  10,049  42  10,091  
Commercial and industrial
Pass7,995  —  7,995  —  7,995  
Substandard—  —  —  39  39  
Total commercial and industrial 7,995  —  7,995  39  8,034  
Total loans acquired350,164  3,605  353,769  7,126  360,895  
$3,548,696  $16,104  $3,564,800  $9,784  $3,574,584  
27
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
 December 31, 2019
 Performing (Accruing) Loans  
 0-29 Days Past Due30-89 Days Past DueTotalNon-Performing LoansTotal Loans Receivable, net
Loans held-for-investment:     
Real estate loans:     
Commercial     
LTV < 35%     
Pass$79,383  $102  $79,485  —  $79,485  
Special Mention370  —  370  —  370  
Total79,753  102  79,855  —  79,855  
LTV => 35%     
Pass439,253  812  440,065  —  440,065  
Special Mention1,092  —  1,092  —  1,092  
Substandard5,228  631  5,859  2,416  8,275  
Total445,573  1,443  447,016  2,416  449,432  
Total commercial525,326  1,545  526,871  2,416  529,287  
One-to-four family residential     
LTV < 60%     
Pass52,757  129  52,886  —  52,886  
Special Mention—  777  777  —  777  
Substandard790  —  790  607  1,397  
Total53,547  906  54,453  607  55,060  
LTV => 60%     
Pass29,741  226  29,967  —  29,967  
Substandard299  —  299  29  328  
Total30,040  226  30,266  29  30,295  
Total one-to-four family residential83,587  1,132  84,719  636  85,355  
Construction and land     
Pass38,156  147  38,303  —  38,303  
Total construction and land38,156  147  38,303  —  38,303  
Multifamily     
LTV < 35%     
Pass232,658  292  232,950  —  232,950  
Substandard301  —  301  —  301  
Total232,959  292  233,251  —  233,251  
LTV => 35%     
Pass1,960,729  255  1,960,984  —  1,960,984  
Special Mention296  —  296  —  296  
Substandard5,203  —  5,203  —  5,203  
Total1,966,228  255  1,966,483  —  1,966,483  
Total multifamily2,199,187  547  2,199,734  —  2,199,734  
Home equity and lines of credit     
Pass86,380  167  86,547  —  86,547  
Special Mention14  —  14  —  14  
Substandard131  —  131  156  287  
Total home equity and lines of credit86,525  167  86,692  156  86,848  
Commercial and industrial loans     
Pass44,886  189  45,075  —  45,075  
Special Mention301  —  301  —  301  
Substandard80  —  80  —  80  
Total commercial and industrial loans45,267  189  45,456  —  45,456  
Other loans - Pass2,058  26  2,084  —  2,084  
Total originated loans held-for-investment2,980,106  3,753  2,983,859  3,208  2,987,067  
28
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
 December 31, 2019
 Performing (Accruing) Loans  
 0-29 Days Past Due30-89 Days Past DueTotalNon-Performing LoansTotal Loans Receivable, net
Loans Acquired
Real estate loans:
One-to-four family residential     
LTV < 60%     
Pass172,882  73  172,955  —  172,955  
Special Mention—  385  385  —  385  
Substandard—  —  —  426  426  
Total172,882  458  173,340  426  173,766  
LTV => 60%     
Pass14,116  —  14,116  —  14,116  
Substandard—  —  —  93  93  
Total14,116  —  14,116  93  14,209  
Total one-to-four family residential186,998  458  187,456  519  187,975  
Commercial     
LTV < 35%     
Pass35,173  287  35,460  —  35,460  
Special Mention994  194  1,188  —  1,188  
Substandard369  —  369  334  703  
Total36,536  481  37,017  334  37,351  
LTV => 35%     
Pass60,311  —  60,311  —  60,311  
Special Mention134  464  598  —  598  
Substandard6,382  2,960  9,342  5,425  14,767  
Total66,827  3,424  70,251  5,425  75,676  
Total commercial103,363  3,905  107,268  5,759  113,027  
Construction and land     
Pass2,537  —  2,537  —  2,537  
Total construction and land2,537  —  2,537  —  2,537  
Multifamily     
LTV < 35%     
Pass105,327  —  105,327  —  105,327  
Substandard—  —  —  40  40  
Total105,327  —  105,327  40  105,367  
LTV => 35%     
Pass2,653  —  2,653  —  2,653  
Substandard—  —  —  397  397  
Total2,653  —  2,653  397  3,050  
Total multifamily107,980  —  107,980  437  108,417  
Home equity and lines of credit
Pass11,842  50  11,892  —  11,892  
Substandard88  —  88  28  116  
Total home equity and lines of credit11,930  50  11,980  28  12,008  
Commercial and industrial loans
Pass8,649  40  8,689  —  8,689  
Total commercial and industrial loans8,649  40  8,689  —  8,689  
Other—  —  —  —  —  
Total loans acquired421,457  4,453  425,910  6,743  432,653  
$3,401,563  $8,206  $3,409,769  $9,951  $3,419,720  
29
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
The following table summarizes originated and acquired impaired loans as of June 30, 2020, and December 31, 2019 (in thousands):
 June 30, 2020December 31, 2019
 Recorded InvestmentUnpaid Principal BalanceRelated AllowanceRecorded InvestmentUnpaid Principal BalanceRelated Allowance
With No Allowance Recorded:   
Real estate loans:   
Commercial   
LTV < 35%   
Substandard$79  $218  $—  $—  $139  $—  
LTV => 35%   
Pass3,629  4,378  —  5,582  6,468  —  
Special Mention511648—  —  —  —  
Substandard8,449  8,655  —  10,438  11,002  —  
One-to-four family residential   
LTV < 60%   
Pass1,057  1,145  —  1,379  1,463  —  
Special Mention378  378  —  385  385  —  
Substandard218  218  —  564  564  —  
LTV => 60%
Pass118  153  —  122  154  —  
Substandard25  25  —  29  29  —  
Multifamily   
LTV < 35%
Substandard40  40  —  40  40  —  
LTV => 35%   
Pass—  —  —  26  496  —  
Special Mention22  493  —  —  —  —  
Substandard611  611  —  972  972  —  
Home equity and lines of credit
Pass19  19  —  22  22  —  
Commercial and industrial loans   
Substandard37  37  —  39  39  —  
With a Related Allowance
Recorded:		   
Real estate loans:   
Commercial   
LTV => 35%   
Pass1,318  1,318  (19) —  —  —  
Substandard2,799  3,397  (288) 1,307  1,307  (135) 
One-to-four family residential   
LTV < 60%
Substandard522  522  (4) —  —  —  
Home equity and lines of credit   
Substandard32  32  (4) 33  33  (3) 
Commercial and industrial loans   
Special Mention17  17  (4) 19  19  (4) 
Total:   
Real estate loans   
Commercial16,785  18,614  (307) 17,327  18,916  (135) 
One-to-four family residential2,318  2,441  (4) 2,479  2,595  —  
Multifamily673  1,144  —  1,038  1,508  —  
Home equity and lines of credit51  51  (4) 55  55  (3) 
Commercial and industrial loans54  54  (4) 58  58  (4) 
 $19,881  $22,304  $(319) $20,957  $23,132  $(142) 
30
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
Included in the above tables at June 30, 2020, are impaired loans with carrying balances of $12.9 million that were not written down by charge-offs or for which there are no specific reserves in our allowance for loan losses. Included in impaired loans at December 31, 2019, are loans with carrying balances of $15.9 million that were not written down by charge-offs or for which there are no specific reserves in our allowance for loan losses. Loans not written down by charge-offs or specific reserves at June 30, 2020, and December 31, 2019, are considered to have sufficient collateral values, less costs to sell, to support the carrying balances of the loans.

The following table summarizes the average recorded investment in originated and acquired impaired loans (excluding PCI loans) and interest recognized on impaired loans as of, and for, the three and six months ended June 30, 2020, and June 30, 2019 (in thousands):
31
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
Three Months EndedSix Months Ended
 June 30, 2020June 30, 2019June 30, 2020June 30, 2019
 Average Recorded InvestmentInterest IncomeAverage Recorded InvestmentInterest IncomeAverage Recorded InvestmentInterest IncomeAverage Recorded InvestmentInterest Income
With No Allowance Recorded:  
Real estate loans:  
Commercial  
LTV < 35%  
Substandard$40  $2  $—  $26  $2  $—  
LTV => 35%
Pass$4,560  $60  $5,801  $79  $4,901  $108  $5,844  $158  
Special Mention256  10  —  170  20  —  —  
Substandard9,666  119  10,979  57  9,923  156  11,373  129  
Construction and Land
One-to-four family residential
LTV < 60%
Pass1,210  13  1,812  22  1,266  29  1,719  44  
Special Mention380  5  —  382  11  —  —  
Substandard387  3  238  1  446  9  239  4  
LTV => 60%
Pass119  1  126  1  120  2  127  2  
Substandard26  —  124  3  27  —  125  6  
Multifamily
LTV < 35%
Substandard40  —  45  1  40  1  80  1  
LTV => 35%
Pass11  —  34  4  16  —  35  8  
Special Mention11  4  —  7  8  —  —  
Substandard792  14  1,100  16  852  22  1,143  35  
Home equity and lines of credit
Pass20  —  26  —  20  —  26  1  
Commercial and industrial loans
Substandard37  —  46  38  —  48  —  
With a Related Allowance Recorded:
Real estate loans:
Commercial
LTV => 35%
Pass659  17  —  439  33  —  —  
Substandard1,676  24  1,171  17  1,553  24  781  17  
One-to-four family residential
LTV < 60%
Substandard261  5  345  5  174  10  449  10  
LTV => 60%
Multifamily
LTV => 35%
Home equity and lines of credit
Substandard33  —  33  33  1  33  1  
Commercial and industrial loans
Special Mention18  —  20  18  —  20  —  
Total:
Real estate loans
Commercial16,857  232  17,951  153  17,012  343  17,998  304  
One-to-four family residential2,383  27  2,645  32  2,415  61  2,659  66  
Multifamily854  18  1,179  21  915  31  1,258  44  
Home equity and lines of credit53  —  59  —  53  1  59  2  
Commercial and industrial loans55  —  66  —  56  —  68  —  
 $20,202  $277  $21,900  $206  $20,451  $436  $22,042  $416  
    

32
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)

        The following tables summarizes loans that were modified in a TDR during the six months ended June 30, 2020, and June 30, 2019:
Six Months Ended June 30, 2020
 Number of RelationshipsPre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment(1)
 (in thousands)
Troubled Debt Restructurings   
Residential1$187  $187  
Commercial real estate2544  544  
Total Troubled Debt Restructurings3$731  $731  
(1) Amounts are at time of modification
Six Months Ended June 30, 2019
 Number of RelationshipsPre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment(1)
 (in thousands)
Troubled Debt Restructurings   
Consumer1$2  $2  
Commercial real estate12,834  2,834  
Total Troubled Debt Restructurings2$2,836  $2,836  
(1) Amounts are at time of modification
There were four loans (to three borrowers) in the first table above, that requested COVID-19 relief and were modified as troubled debt restructurings (TDRs) during the three months ended June 30, 2020, all of which were modified to restructure payment terms. All four of the loans were delinquent and on non-accrual status prior to the implementation of our COVID-19 customer relief program (discussed further below) and were therefore considered to be TDRs. There were no loans modified as TDRs during the three months ended June 30, 2019, and two loans modified as TDRs during the six months ended June 30, 2019, both of which were modified to restructure payment terms.
As of June 30, 2020, the Company had approved or executed 262 loan modifications (excluding PCI loans) with principal and/or interest payment deferrals on outstanding loan balances of $345.9 million in connection with COVID-19 relief provided by Section 4013 of the CARES Act and the Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customer Affected by the Coronavirus. Of these 262 payment deferrals, 60 were principal deferrals totaling $142.5 million, and 202 were principal and interest deferrals totaling $203.4 million. These deferrals were generally no longer than three months in duration and were not considered TDRs (other than those noted above). Loans in deferment status (“COVID-19 Modified Loans”) will continue to accrue interest during the deferment period unless otherwise classified as nonperforming. COVID-19 Modified Loans are required to make escrow payments for real estate taxes and insurance, if applicable. For loans given relief of interest, the deferred interest is generally to be paid back over a period not to exceed 18 months. Principal deferrals may be brought current or recast into outstanding principal at time of rate reset or repaid at the end of the loan's contractual term. COVID-19 Modified Loan agreements generally also include covenants that prohibit distributions, bonuses, or payments of management fees to related entities until all deferred payments are made.
At June 30, 2020, and December 31, 2019, we had TDRs of $17.7 million and $18.5 million, respectively.

33
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
        Management classifies all TDRs as impaired loans. Impaired loans are individually assessed to determine that the loan’s carrying value is not in excess of the estimated fair value of the collateral less cost to sell, if the loan is collateral dependent, or the present value of the expected future cash flows, if the loan is not collateral dependent. Management performs an evaluation of each impaired loan and generally obtains updated appraisals as part of the evaluation. In addition, management adjusts estimated fair values down to appropriately consider recent market conditions, our willingness to accept a lower sales price to effect a quick sale, and costs to dispose of any supporting collateral. Determining the estimated fair value of underlying collateral (and related costs to sell) can be difficult in illiquid real estate markets and is subject to significant assumptions and estimates. Management employs an independent third-party management firm that specializes in appraisal preparation and review to ascertain the reasonableness of updated appraisals. Projecting the expected cash flows under troubled debt restructurings which are not collateral dependent is inherently subjective and requires, among other things, an evaluation of the borrower’s current and projected financial condition. Actual results may be significantly different than our projections and our established allowance for loan losses on these loans, which could have a material effect on our financial results.

At June 30, 2020 or June 30, 2019, there were no TDRs that were restructured during the preceding twelve months that subsequently defaulted.

Note 6 – Deposits

        Deposits account balances are summarized as follows (in thousands):
 June 30, 2020December 31, 2019
Non-interest-bearing checking$517,441  $387,409  
Negotiable orders of withdrawal (NOW) and interest-bearing checking685,988  573,927  
Savings and money market1,483,734  1,398,345  
Certificates of deposit934,495  1,048,552  
Total deposits$3,621,658  $3,408,233  
 
        Interest expense on deposit accounts is summarized for the periods indicated (in thousands):
 Three Months Ended June 30,Six Months Ended June 30,
 2020201920202019
NOW and interest-bearing checking, savings, and money market$2,894  $5,377  $6,967  $10,171  
Certificates of deposit4,579  5,172  9,785  10,625  
Total interest expense on deposit accounts$7,473  $10,549  $16,752  $20,796  

Note 7 – Equity Incentive Plans

        On May 22, 2019, the Northfield Bancorp, Inc. 2019 Equity Incentive Plan (the “2019 EIP”) was approved by stockholders of the Company. Under the 2019 EIP, the maximum number of shares of stock that may be delivered to participants in the form of stock options, stock appreciation rights (“SARs”), restricted stock awards, or restricted stock units is 6,000,000. To the extent an equity award is issued in the form of a restricted stock grant or restricted stock unit, the number of stock options/SARs that can be granted is reduced by 4.5. The maximum number of shares of stock that may be delivered to participants in the form of restricted stock awards and restricted stock units is 1,333,333 shares. Prior to May 22, 2019, the Company also maintained the Northfield Bancorp, Inc. 2014 Equity Incentive Plan (the “2014 EIP”). Upon approval of the 2019 EIP, the 2014 EIP was frozen and equity awards that would otherwise have been available for issuance are no longer available for grant. No stock options have been granted under 2019 EIP.
34
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)

        The following table is a summary of the Company’s stock options outstanding as of June 30, 2020, and changes therein during the six months then ended.
 Number of Stock OptionsWeighted Average Grant Date Fair ValueWeighted Average Exercise PriceWeighted Average Contractual Life (years)
Outstanding - December 31, 20192,227,193  $4.01  $13.93  4.96
Exercised(13,000) 3.93  13.38  —  
Outstanding - June 30, 20202,214,193  4.01  13.94  4.46
Exercisable - June 30, 20202,189,114  4.00  13.91  4.45
 Expected future stock option expense related to the non-vested options outstanding as of June 30, 2020, is $53,000 over a weighted average period of 1.4 years.
On February 17, 2020, the Company granted to directors and employees, under the 2019 EIP, 83,744 restricted stock units with a total grant-date value of $1.3 million. Of these grants, 28,460 vest one year from the date of grant and 55,284 vest in equal installments over a five-year period beginning one year from the date of grant. The Company also issued 19,837 performance based restricted stock units to its executive officers with a total grant date fair-value of $313,623. Vesting of the performance based restricted stock units will be measured on achievement of certain levels of Core Return on Average Assets and will cliff-vest after a three-year measurement period ended December 31, 2022, based on the Company's performance relative to a peer group as determined by the Compensation Committee of the Board. At the end of the performance period, the number of actual shares to be awarded may vary between 0% and 225% of target amounts.

The following is a summary of the status of the Company’s restricted stock awards as of June 30, 2020, and changes therein during the six months then ended.
 Number of Shares AwardedWeighted Average Grant Date Fair Value
Non-vested at December 31, 201971,102  $15.36  
Granted103,581  15.81  
Vested(58,100) 14.85  
Non-vested at June 30, 2020116,583  16.02  
 
Expected future stock award expense related to the non-vested restricted share awards as of June 30, 2020, is $1.4 million over a weighted average period of 3.3 years.
        During the three months ended June 30, 2020 and June 30, 2019, the Company recorded $432,000 and $1.1 million, respectively, of stock-based compensation related to the above plans. During the six months ended June 30, 2020, and June 30, 2019, the Company recorded $880,000 and $2.4 million, respectively, of stock-based compensation related to the above plans.

Note 8 – Fair Value Measurements
        The following tables present the assets reported on the consolidated balance sheets at their estimated fair value as of June 30, 2020, and December 31, 2019, by level within the fair value hierarchy as required by the Fair Value Measurements and Disclosures Topic of the FASB Accounting Standards Codification (“ASC”). Financial assets and liabilities are classified in their entirety based on the level of input that is significant to the fair value measurement. The fair value hierarchy is as follows:

•Level 1 Inputs – Unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date.

•Level 2 Inputs – Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability (for example, interest rates, volatilities, prepayment speeds, loss severities, credit risks and default rates) or inputs that are derived principally from or corroborated by observable market data by correlations or other means.
35
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)

•Level 3 Inputs – Significant unobservable inputs that reflect the Company’s own assumptions that market participants would use in pricing the assets or liabilities.

The methods of determining the fair value of assets and liabilities presented in this note are consistent with our methodologies disclosed in Note 14 to the Consolidated Financial Statements of the Company’s 2019 Annual Report on Form 10-K.
 Fair Value Measurements at June 30, 2020 Using:
 Carrying ValueQuoted Prices in Active Markets for Identical Assets (Level 1)Significant Other Observable Inputs (Level 2)Significant Unobservable Inputs (Level 3)
 (in thousands)
Measured on a recurring basis: 
Assets:    
Investment securities:    
Debt securities available-for-sale:    
Mortgage-backed securities:    
Pass-through certificates:
GSE$289,153  $—  $289,153  $—  
REMICs:
GSE654,009  —  654,009  —  
Non-GSE47  —  47  —  
943,209  —  943,209  —  
Other debt securities    
Municipal bonds254  —  254  —  
Corporate bonds94,026  —  94,026  —  
94,280  —  94,280  —  
Total debt securities available-for-sale1,037,489  —  1,037,489  —  
Trading securities10,094  10,094  —  —  
Equity securities214  214  —  —  
Total$1,047,797  $10,308  $1,037,489  $—  
Measured on a non-recurring basis:    
Assets:    
Impaired loans:    
Real estate loans:    
Commercial real estate$6,125  $—  $—  $6,125  
One-to-four family residential mortgage517  —  —  517  
Multifamily22  —  —  22  
Home equity and lines of credit28  —  —  28  
Total impaired real estate loans6,692  —  —  6,692  
Commercial and industrial loans14  —  —  14  
Total$6,706  $—  $—  $6,706  
36
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
 Fair Value Measurements at December 31, 2019 Using:
 Carrying ValueQuoted Prices in Active Markets for Identical Assets (Level 1)Significant Other Observable Inputs (Level 2)Significant Unobservable Inputs (Level 3)
 (in thousands)
Measured on a recurring basis: 
Assets:    
Investment securities:    
Debt securities available-for-sale:    
Mortgage-backed securities:    
Pass-through certificates:
GSE$329,407  $—  $329,407  $—  
REMICs:
GSE643,667  —  643,667  —  
Non-GSE53  —  53  —  
973,127  —  973,127  —  
Other debt securities    
Municipal bonds299  —  299  —  
Corporate bonds164,926  —  164,926  —  
165,225  —  165,225  —  
Total debt securities available-for-sale1,138,352  —  1,138,352  —  
Trading securities11,222  11,222  —  —  
Equity securities250  250  —  —  
Total$1,149,824  $11,472  $1,138,352  $—  
Measured on a non-recurring basis:    
Assets:    
Impaired loans:    
Real estate loans:    
Commercial real estate$4,871  $—  $—  $4,871  
Multifamily26  —  —  26  
Home equity and lines of credit30  —  —  30  
Total impaired real estate loans4,927  —  —  4,927  
Commercial and industrial loans15  —  —  15  
Total$4,942  $—  $—  $4,942  
        The following table presents qualitative information for Level 3 assets measured at fair value on a non-recurring basis at June 30, 2020, and December 31, 2019 (dollars in thousands):
Fair ValueValuation MethodologyUnobservable Inputs       Range of Inputs
 June 30, 2020December 31, 2019  June 30, 2020December 31, 2019
Impaired loans$6,706  $4,942  AppraisalsDiscount for costs to sell7.0%7.0%
  Discount for quick sale10.0%10.0%
 Discounted cash flowsInterest rates
4.13% to 6.25%
4.13% to 6.25%
37
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
        
The valuation techniques described below were used to measure fair value of financial instruments in the tables below on a recurring basis and a non-recurring basis as of June 30, 2020, and December 31, 2019.
        Debt Securities Available for Sale: The estimated fair values for mortgage-backed securities, corporate, and other debt securities are obtained from an independent nationally recognized third-party pricing service. The estimated fair values are derived primarily from cash flow models, which include assumptions for interest rates, credit losses, and prepayment speeds. Broker/dealer quotes are utilized as well, when such quotes are available and deemed representative of the market. The significant inputs utilized in the cash flow models are based on market data obtained from sources independent of the Company (Observable Inputs), and are therefore classified as Level 2 within the fair value hierarchy. There were no transfers of securities between Level 1 and Level 2 during the six months ended June 30, 2020.     
        Trading Securities: Fair values are derived from quoted market prices in active markets. The assets consist of publicly traded mutual funds.

        Equity Securities: Fair values of equity securities consisting of publicly traded mutual funds are derived from quoted market prices in active markets.
 
        Impaired Loans: At June 30, 2020, and December 31, 2019, the Company had impaired loans held-for-investment (excluding PCI loans) with outstanding principal balances of $9.2 million and $7.0 million, respectively, which were recorded at their estimated fair value of $6.7 million and $4.9 million, respectively. The Company recorded a net increase in the specific reserve for impaired loans of $177,000 and $226,000 for the six months ended June 30, 2020, and June 30, 2019, respectively. Net charge-offs of $291,000 and $215,000 were recorded for the six months ended June 30, 2020, and June 30, 2019, respectively, utilizing level 3 inputs. For purposes of estimating the fair value of impaired loans, management utilizes independent appraisals, if the loan is collateral dependent, adjusted downward by management, as necessary, for changes in relevant valuation factors subsequent to the appraisal date, or the present value of expected future cash flows for non-collateral dependent loans and troubled debt restructurings.
 
        In addition, the Company may be required, from time to time, to measure the fair value of certain other financial assets on a nonrecurring basis in accordance with U.S. GAAP. The adjustments to fair value usually result from the application of lower-of-cost-or-market accounting or write downs of individual assets.
 
Fair Value of Financial Instruments
 
        The FASB ASC Topic for Financial Instruments requires disclosure of the fair value of financial assets and financial liabilities, including those financial assets and financial liabilities that are not measured and reported at fair value on a recurring or non-recurring basis. The methodologies for estimating the fair value of financial assets and financial liabilities that are measured at fair value on a recurring or non-recurring basis are discussed above. The following methods and assumptions were used to estimate the fair value of other financial assets and financial liabilities not already discussed above:
 
(a)  Cash and Cash Equivalents
Cash and cash equivalents are short-term in nature with original maturities of three months or less; the carrying amount approximates fair value. Certificates of deposit having original terms of six-months or less; the carrying value generally approximates fair value. Certificates of deposit with an original maturity of six months or greater; the fair value is derived from discounted cash flows.
(b) Debt Securities (Held to Maturity)
The estimated fair values for substantially all of our securities are obtained from an independent nationally recognized pricing service. The independent pricing service utilizes market prices of same or similar securities whenever such prices are available. Prices involving distressed sellers are not utilized in determining fair value. Where necessary, the independent third-party pricing service estimates fair value using models employing techniques such as discounted cash flow analysis. The assumptions used in these models typically include assumptions for interest rates, credit losses, and prepayments, utilizing market observable data where available.
38
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
(c) Investments in Equity Securities at Net Asset Value Per Share

The Company uses net asset value as a practical expedient to record its investment in a private SBA Loan Fund since the shares in the fund are not publicly traded, do not have a readily determinable fair value and the net asset value per share is calculated in a manner consistent with the measurement principles of an investment company.
 
(d) Federal Home Loan Bank of New York Stock

The fair value for Federal Home Loan Bank of New York (FHLB) stock is its carrying value, since this is the amount for which it could be redeemed and there is no active market for this stock.
 
(e) Loans (Held-for-Investment)
Fair values are estimated for portfolios of loans with similar financial characteristics. Loans are segregated by type such as originated and purchased, and further segregated by residential mortgage, construction, land, multifamily, commercial and consumer. Each loan category is further segmented into amortizing and non-amortizing and fixed and adjustable rate interest terms and by performing and nonperforming categories. The fair value of loans is estimated using a discounted cash flow analysis. The discount rates used to determine fair value use interest rate spreads that reflect factors such as liquidity, credit, and nonperformance risk of the loans.
 
(f) Loans (Held-for-Sale)
Held-for-sale loans are carried at the lower of aggregate cost or estimated fair value, less costs to sell, and therefore fair value is equal to carrying value.
 
(g) Deposits
The fair value of deposits with no stated maturity, such as non-interest bearing demand deposits, savings, NOW and money market accounts, is equal to the amount payable on demand. The fair value of certificates of deposit is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities.
 
(h) Commitments to Extend Credit and Standby Letters of Credit

The fair value of commitments to extend credit and standby letters of credit is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair value of off-balance sheet commitments is insignificant and therefore not included in the following table.
 (i) Borrowings
The fair value of borrowed funds is estimated by discounting future cash flows based on rates currently available for debt with similar terms and remaining maturity.
 
(j) Advance Payments by Borrowers for Taxes and Insurance
Advance payments by borrowers for taxes and insurance have no stated maturity; the fair value is equal to the amount currently payable.

(k)  Derivatives

The fair value of the Company's derivatives is determined using discounted cash flow analysis using observable market-based inputs, which are considered Level 2 inputs.
39
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)

        The estimated fair value of the Company’s financial instruments at June 30, 2020, and December 31, 2019, is presented in the following tables (in thousands):
 June 30, 2020
  Estimated Fair Value
 Carrying ValueLevel 1Level 2Level 3Total
Financial assets:     
Cash and cash equivalents$110,900  $110,900  $—  $—  $110,900  
Trading securities10,094  10,094  —  —  10,094  
Debt securities available-for-sale1,037,489  —  1,037,489  —  1,037,489  
Debt securities held-to-maturity8,648  —  9,018  —  9,018  
Equity securities (1)
214  214  —  —  214  
Federal Home Loan Bank of New York stock, at cost29,462  —  29,462  —  29,462  
Net loans held-for-investment3,550,839  —  —  3,573,625  3,573,625  
Derivative assets1,633  —  1,633  —  1,633  
Financial liabilities:     
Deposits$3,621,658  $—  $3,630,542  $—  $3,630,542  
Borrowed funds616,271  —  637,399  —  637,399  
Advance payments by borrowers for taxes and insurance19,882  —  19,882  —  19,882  
Derivative liabilities1,637  —  1,637  —  1,637  
 December 31, 2019
  Estimated Fair Value
 Carrying ValueLevel 1Level 2Level 3Total
Financial assets:     
Cash and cash equivalents$147,818  $147,818  $—  $—  $147,818  
Trading securities11,222  11,222  —  —  11,222  
Debt securities available-for-sale1,138,352  —  1,138,352  —  1,138,352  
Debt securities held-to-maturity8,762  —  8,886  —  8,886  
Equity securities (1)
250  250  —  250  
Federal Home Loan Bank of New York stock, at cost39,575  —  39,575  —  39,575  
Net loans held-for-investment3,408,378  —  —  3,482,804  3,482,804  
Derivative assets79  —  79  —  79  
Financial liabilities:     
Deposits$3,408,233  $—  $3,412,414  $—  $3,412,414  
Borrowed funds857,004  —  862,980  —  862,980  
Advance payments by borrowers for taxes and insurance44,069  —  44,069  —  44,069  
Derivative liabilities79  —  79  —  79  
 (1) Excludes investments measured at net asset value in the amount of $1.1 million and $3.1 million at June 30, 2020 and December 31, 2019, respectively, which have not been classified in the fair value hierarchy.
40
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
Limitations
        Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected losses, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Fair value estimates are based on existing on-and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates.
Note 9 – Earnings Per Share
 
Basic earnings per share is computed by dividing net income available to common stockholders by the weighted average number of shares outstanding during the period. For purposes of calculating basic earnings per share, weighted average common shares outstanding excludes unallocated employee stock ownership plan (“ESOP”) shares that have not been committed for release and unvested restricted stock.

Diluted earnings per share is computed using the same method as basic earnings per share, but reflects the potential dilution that could occur if stock options and unvested shares of restricted stock were exercised and converted into common stock. These potentially dilutive shares would then be included in the weighted average number of shares outstanding for the period using the treasury stock method. When applying the treasury stock method we added the assumed proceeds from option exercises and the average unamortized compensation costs related to unvested shares of restricted stock and stock options. We then divided this sum by our average stock price for the period to calculate assumed shares repurchased. The excess of the number of shares issuable over the number of shares assumed to be repurchased is added to basic weighted average common shares to calculate diluted earnings per share.
 
The following is a summary of the Company’s earnings per share calculations and reconciliation of basic to diluted earnings per share for the periods indicated (in thousands, except per share data):
 Three Months Ended June 30,Six Months Ended June 30,
 2020201920202019
Net income available to common stockholders$10,793  $8,204  $15,344  $16,975  
Weighted average shares outstanding-basic46,837,473  46,855,647  46,814,647  46,897,546  
Effect of non-vested restricted stock and stock options outstanding34,017  416,043  112,857  381,650  
Weighted average shares outstanding-diluted46,871,490  47,271,690  46,927,504  47,279,196  
Earnings per share-basic$0.23  $0.18  $0.33  $0.36  
Earnings per share-diluted$0.23  $0.17  $0.33  $0.36  
Anti-dilutive shares2,316,695  848,844  1,659,262  962,296  
41
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
Note 10 – Leases

        The Company’s leases primarily relate to real estate property for branches and office space with terms extending from three months up to 35 years. At June 30, 2020, all of the Company's leases are classified as operating leases.

        The Company determines if an arrangement is a lease at inception. Operating leases are included in operating lease right-of-use assets and operating lease liabilities in the consolidated balance sheets. Right-of-use assets represent the right to use an underlying asset for the lease term and lease liabilities represent the obligation to make lease payments arising from the lease. Operating lease right-of-use assets and liabilities are recorded at the present value of lease payments over the lease term. As the Company's leases do not provide an implicit rate, the Company uses its incremental borrowing rate in determining the present value of lease payments. Certain leases include options to renew, with one or more renewal terms ranging from five to ten years. As these extension options are not generally considered reasonably certain of renewal, they are not included in the lease term.

        At June 30, 2020, the Company’s operating lease right-of-use assets and operating lease liabilities included in the consolidated balance sheet were $40.4 million and $44.8 million, respectively. Operating lease expense is recognized on a straight-line basis over the lease term, while variable lease payments are recognized as incurred. Variable lease payments include common area maintenance charges, real estate taxes, repairs and maintenance costs and utilities. Operating and variable lease expenses are recorded in occupancy expense in the consolidated statements of comprehensive income.
        Supplemental lease information at or for the six months ended June 30, 2020, and June 30, 2019 is as follows (dollars in thousands):
Three Months Ended June 30,Six Months Ended
2020201920202019
Operating lease cost$1,423  $1,551  $2,862  $3,017  
Variable lease cost956  711  1,500  1,489  
Net lease cost$2,379  $2,262  $4,362  $4,506  
Cash paid for amounts included in measurement of operating lease liabilities$—  $1,513  $3,069  $2,840  
Right-of-use assets obtained in exchange for new operating lease liabilities$—  $—  $3,028  $1,013  
Weighted average remaining lease term 12.63 years12.95 years
Weighted average discount rate 3.59 %3.61 %
        The following table summarizes lease payment obligations for each of the next five years and thereafter in addition to a reconcilement to the Company's current lease liability (in thousands):
YearAmount
2020$3,157  
20215,919  
20225,311  
20235,272  
20244,935  
Thereafter33,230  
Total lease payments57,824  
Less: imputed interest13,043  
Present value of lease liabilities$44,781  
        As of June 30, 2020, the Company had not entered into any leases that have not yet commenced.

42
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
Note 11 – Revenue Recognition
        
        The Company records revenue from contracts with customers in accordance with ASU 2014-09, Revenue from Contracts with Customers (“Topic 606”). The standard’s core principle is that a company will recognize revenue when it transfers promised goods or services to customers in an amount that reflects the consideration to which the company expects to be entitled in exchange for those goods or services. Topic 606 does not apply to revenue associated with financial instruments, including revenue from loans and securities, which comprise the majority of the Company’s revenue.
        The Company’s revenue streams that are within the scope of Topic 606 include service charges on deposit accounts, ATM and card interchange fees, investment services fees, and other miscellaneous income. Fees and service charges for customer services include: (i) service charges on deposit accounts, including account maintenance fees, overdraft fees, insufficient funds fees, wire fees, and other deposit related fees; (ii) ATM and card interchange fees, which include fees generated when a Bank cardholder uses a non-Bank ATM or a non-Bank cardholder uses a Bank ATM, and fees earned whenever the Bank's debit cards are processed through card payment networks such as Visa; and (iii) investment services fees earned through partnering with a third party investment and brokerage service firm to provide insurance and investment products to customers. The Company's performance obligation for fees and service charges is satisfied and related revenue recognized immediately or in the month of performance of services. Other income primarily includes rental income from subleasing one of the Company's branches to a third party, which is recognized at the time the transaction occurs.
        The following table summarizes non-interest income for the periods indicated (in thousands):
 Three Months Ended June 30,Six Months Ended June 30,
 2020201920202019
Fees and service charges for customer services:
Service charges$356  $812  $1,109  $1,594  
ATM and card interchange fees275  339  579  640  
Investment fees35  56  98  113  
Total fees and service charges for customer services666  1,207  1,786  2,347  
Income on bank owned life insurance(1)
865  907  1,741  1,804  
Gains on available-for-sale debt securities, net(1)
73  59  60  214  
Gains (losses) on trading securities, net(1)
1,626  343  (366) 1,429  
Gains on sale of loans(1)
665—  665  —  
Swap income(1)
308—  384  —  
Other35  50  76  86  
Total non-interest income$4,238  $2,566  $4,346  $5,880  
(1) Not in scope of Topic 606

Note 12 – Derivatives

        The Company has interest rate derivatives resulting from a service provided to certain qualified borrowers in a loan-related transaction and, therefore, are not used to manage interest rate risk in the Company’s assets or liabilities. The interest rate swap agreement which the Company executes with the commercial borrower is collateralized by the borrower’s commercial real estate financed by the Company. The collateral exceeds the maximum potential amount of future payments under the credit derivative. As these interest rate swaps do not meet the hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings.

        During the fourth quarter of 2019, the Company entered into its first derivative transaction. At June 30, 2020, the Company had four interest rate swaps with a notional amount of $24.8 million, and the fair value of the asset and liability derivative was $1.6 million. At December 31, 2019, the Company had one interest rate swap with a notional amount of $12.0 million, and the fair value of the asset and liability derivative was $79,000. For the three and six months ended June 30, 2020, the Company recorded net fee income of approximately $308,000 and $384,000, respectively.

43
NORTHFIELD BANCORP, INC.
Notes to Unaudited Consolidated Financial Statements - (Continued)
Note 13 – Recent Accounting Pronouncements Adopted

        ASU No. 2018-15. In August 2018, the FASB issued ASU No. 2018-15, “Customer’s Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That is a Service Contract.” This guidance aligns the accounting for implementation costs related to a hosting arrangement that is a service contract with the guidance on capitalizing costs associated with developing or obtaining internal-use software. Specifically, where a cloud computing arrangement includes a license to internal-use software, the software license is accounted for by the customer in accordance with Subtopic 350-40, “Intangibles - Goodwill and Other-Internal-Use Software”. ASU No. 2018-15 is effective for fiscal years beginning after December 15, 2019, with early adoption permitted. The Company adopted ASU No. 2018-15 on January 1, 2020, and it did not have an impact on the Company's financial condition or results of operation.
        
        ASU No. 2018-13. In August 2018, the FASB issued ASU No. 2018-13, “Fair Value Measurement (Topic 820): Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement.” This ASU updates the disclosure requirements on Fair Value measurements by 1) removing: the disclosures for transfers between Level 1 and Level 2 of the fair value hierarchy, the policy for timing of transfers between levels, and the valuation processes for Level 3 fair value measurements; 2) modifying: disclosures for timing of liquidation of an investee’s assets and disclosures for uncertainty in measurement as of reporting date; and 3) adding: disclosures for changes in unrealized gains and losses included in other comprehensive income for recurring level 3 fair value measurements and disclosures for the range and weighted average of the significant unobservable inputs used to develop Level 3 fair value measurements. ASU No. 2018-13 is effective for fiscal years beginning after December 15, 2019. With the exception of the following, which should be applied prospectively, disclosures relating to changes in unrealized gains and losses, the range and weighted average of significant unobservable inputs used to develop Level 3 fair value measurements, and the disclosures for uncertainty measurement, all other changes should be applied retrospectively to all periods presented upon the effective date. The Company adopted ASU No. 2018-13 on January 1, 2020, and it did not have an impact on the Company's financial condition or results of operation.

        ASU No 2017-04. In January 2017, the FASB issued ASU No. 2017-04, “Intangibles—Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment.” The ASU eliminates Step 2 from the goodwill impairment test and also eliminates the requirements for any reporting unit with a zero or negative carrying amount to perform a qualitative assessment and, if it fails that qualitative test, to perform Step 2 of the goodwill impairment test. An entity still has the option to perform the qualitative assessment for a reporting unit to determine if the quantitative impairment test is necessary. The ASU is effective for annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019. The Company adopted ASU No. 2017-04 on January 1, 2020, and it did not have an impact on the Company's financial condition or results of operation.

        During the six months ended June 30, 2020, the Company qualitatively assessed the current economic environment, including the estimated impact of the COVID-19 pandemic on macroeconomic variables and economic forecasts, and on the Company's stock price which has experienced a recent decline in value, and how these might impact the fair value of its reporting unit. After consideration of the items above, the results for the six months ended June 30, 2020, as well as the results of the annual 2019 impairment test which resulted in an excess of reporting unit fair value over book value of approximately 27%, the Company determined that it was more-likely-than-not that the fair value of its reporting unit was above its book value as of June 30, 2020. For additional information regarding the Company's goodwill impairment testing process, see Note 1 to the consolidated financial statements included in the Company's Annual Report on Form 10-K for the year ended December 31, 2019.

Note 14 – Subsequent Event

On July 1, 2020, the Company completed its acquisition of VSB Bancorp, Inc. (“Victory”), parent company of Victory State Bank, in a stock transaction. Under the terms of the merger agreement, each share of Victory common stock was exchanged for 2.0463 shares of Northfield common stock with fractional shares paid out in cash. At June 30, 2020, Victory had approximately $403.3 million in total assets, $186.2 million in loans, and $362.5 million in deposits, and operated six branches in Staten Island, New York.
        
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ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
Cautionary Statement Regarding Forward-Looking Statements
        This Quarterly Report contains certain “forward-looking statements,” which can be identified by the use of such words as “estimate,” “project,” “believe,” “intend,” “anticipate,” “plan,” “seek,” “expect,” “annualized,” “could,” “may,” “should,” “will,” and words of similar meaning. These forward-looking statements include, but are not limited to:

•statements of our goals, intentions, and expectations;
•statements regarding our business plans, prospects, growth and operating strategies;
•statements regarding the quality of our loan and investment portfolios; and
•estimates of our risks and future costs and benefits. 
        These forward-looking statements are based on the current beliefs and expectations of our management and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change. 

        The following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements:   
•the disruption to local, regional, national and global economic activity caused by infectious disease outbreaks, including the recent outbreak of COVID-19, and the significant impact that such outbreak has had and may have on our growth, operations, earnings and asset quality;
•general economic conditions, either nationally or in our market areas, including employment prospects, real estate values and conditions, that are worse than expected;
•competition among depository and other financial institutions;
•inflation and changes in the interest rate environment that reduce our margins and yields or reduce the fair value of financial instruments;
•adverse changes in the securities or credit markets;
•changes in laws, tax policies, or government regulations or policies affecting financial institutions, including changes in regulatory fees and capital requirements;
•our ability to enter new markets successfully and capitalize on growth opportunities;
•our ability to access cost-effective funding;
•our ability to successfully integrate acquired entities, including our proposed acquisition of VSB Bancorp, Inc.;
•changes in consumer demand, spending, borrowing and savings habits;
•changes in accounting policies and practices, as may be adopted by the bank regulatory agencies, the Financial Accounting Standards Board, or the Securities and Exchange Commission, or the Public Company Accounting Oversight Board;
•cyber attacks, computer viruses and other technological risks that may breach the security of our websites or other systems to obtain unauthorized access to confidential information and destroy data or disable our systems;
•technological changes that may be more difficult or expensive than expected;
•changes in our organization, compensation, and benefit plans;
•our ability to retain key employees;
•changes in the level of government support for housing finance;
•changes in monetary or fiscal policies of the U.S. Government, including policies of the U.S. Treasury and the FRB;
•the ability of third-party providers to perform their obligations to us;
•the ability of the U.S. Government to manage federal debt limits;
•the effects of any U.S. Government shutdowns;
•significant increases in our loan losses, including increases that may result from the new authoritative accounting guidance (known as CECL) model which may increase the required level of our allowance for loan losses after adoption; and
•changes in the financial condition, results of operations, or future prospects of issuers of securities that we own.

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        Given the ongoing and dynamic nature of current economic circumstances, it is difficult to predict the full impact of the COVID-19 outbreak on our business. The extent of such impact will depend on future developments, which are highly uncertain, including when the coronavirus can be controlled and abated and when and how the economy may be reopened (i.e. stay-at-home orders are lifted). As a result of the COVID-19 pandemic and the related adverse local and national economic consequences, we could be subject to any of the following risks, any of which could have a material, adverse effect on our business, financial condition, liquidity, and results of operations:

•demand for our products and services may decline, making it difficult to execute on our strategic initiatives related to growing assets and earnings;
•if the economy is unable to substantially reopen, and high levels of unemployment continue for an extended period of time, loan delinquencies, problem assets, and foreclosures may increase, resulting in increased charge-offs and reduced income;
•a worsening of business and economic conditions or a further downturn in the financial markets could result in an impairment of certain intangible assets, such as goodwill or our servicing assets;
•litigation, regulatory enforcement risk and reputation risk regarding our participation in the PPP and the risk that the SBA may not fund some or all PPP loan guaranties;
•disruptions in the businesses or the unavailability of the services of third parties we use in our operations such as property appraisers, loan servicers, providers of electronic payment and settlement systems, and local and federal government agencies and courthouses, could negatively affect our operations;
•collateral for loans, especially real estate, may decline in value, which could cause loan losses to increase;
•our allowance for loan losses may have to be increased if borrowers experience financial difficulties beyond forbearance periods, which will adversely affect our net income;
•the net worth and liquidity of loan guarantors may decline, impairing their ability to honor commitments to us;
•as the result of the decline in the FRB's target federal funds rate, the yield on our assets may decline to a greater extent than the decline in our cost of interest-bearing liabilities, reducing our net interest margin and spread and reducing net income;
•a material decrease in net income or a net loss over several quarters could result in a decrease or elimination of our quarterly cash dividend;
•potential goodwill impairment charges if acquired assets and operations are adversely affected and remain at reduced levels;
•our cyber security risks are increased as the result of an increase in the number of employees working remotely;
•Federal Deposit Insurance Corporation (“FDIC”) premiums may increase if the agency experience additional resolution costs;
•Internal controls as designed may not prove effective, to the extent procedures are modified as a result of remote work locations; and
•the unanticipated loss or unavailability of key employees due to the outbreak, which could harm our ability to operate our business or execute our business strategy, especially as we may not be successful in finding and integrating suitable successors.

Because of these and other uncertainties, our actual future results may be materially different from the results indicated by these forward-looking statements. Accordingly, you should not place undue reliance on such statements. Except as required by law, we disclaim any intention or obligation to update or revise any forward-looking statements after the date of this Quarterly Report on Form 10-Q, whether as a result of new information, future events or otherwise.

Critical Accounting Policies
 
        Note 1 to the Company’s Audited Consolidated Financial Statements for the year ended December 31, 2019, included in the Company’s Annual Report on Form 10-K, as supplemented by this report, contains a summary of significant accounting policies. Various elements of these accounting policies, by their nature, are inherently subject to estimation techniques, valuation assumptions and other subjective assessments. Certain assets are carried in the Consolidated Balance Sheets at estimated fair value or the lower of cost or estimated fair value. Policies with respect to the methodologies used to determine the allowance for loan losses, estimated cash flows of our purchased credit-impaired (“PCI”) loans, and judgments regarding the valuation allowance against deferred tax assets are the most critical accounting policies because they are important to the presentation of the Company’s financial condition and results of operations, involve a higher degree of complexity, and require management to make subjective judgments which often require assumptions or estimates about highly uncertain matters. The use of different judgments, assumptions, and estimates could result in material differences in the results of operations or financial condition. These critical accounting policies and their application are reviewed periodically and, at least annually, with the Audit Committee of the Board of Directors. For a further discussion of the critical accounting policies of the Company, see “Management’s Discussion and Analysis of Financial Condition and Results of Operations” in the Company’s Annual Report
46
on Form 10-K for the year ended December 31, 2019.
Overview
        This overview highlights selected information and may not contain all the information that is important to you in understanding our performance during the period. For a more complete understanding of trends, events, commitments, uncertainties, liquidity, capital resources, and critical accounting estimates, you should read this entire document carefully, as well as our Annual Report on Form 10-K for the year ended December 31, 2019.
        Net income was $15.3 million for the six months ended June 30, 2020, as compared to $17.0 million for the six months ended June 30, 2019. Basic and diluted earnings per common share were $0.33 for the six months ended June 30, 2020, compared to basic and diluted earnings per common share of $0.36 for the six months ended June 30, 2019. For the six months ended June 30, 2020, our return on average assets was 0.61%, as compared to 0.75% for the six months ended June 30, 2019. For the six months ended June 30, 2020, our return on average stockholders’ equity was 4.37% as compared to 5.06% for the six months ended June 30, 2019. The most significant impact on our results of operations for the six months ended June 30, 2020, was the increase in our provision for loan losses. The provision for loan losses increased by $9.6 million for the six months ended June 30, 2020, compared to $550,000 for the six months ended June 30, 2019. The increase in the provision for loan losses was primarily due to increases in qualitative factors used in determining the adequacy of the allowance for loan losses related to unemployment and loan risk rating changes related to loan modification requests, and to a lesser extent delinquencies, resulting from economic uncertainty attributable to the COVID-19 pandemic. Earnings for the six months ended June 30, 2020, included a gain on sale of loans of $665,000, a reduction in loan loss provisions of $618,000 related to the sale of loans in the quarter ended June 30, 2020, and merger-related expenses of $384,000.

        Assets decreased by $13.7 million, or 0.3%, to $5.04 billion at June 30, 2020, from $5.06 billion at December 31, 2019. Liabilities decreased $30.5 million, or 0.7%, to $4.33 billion at June 30, 2020, from $4.36 billion at December 31, 2019.

Comparison of Financial Condition at June 30, 2020, and December 31, 2019
        Total assets decreased $13.7 million, or 0.3%, to $5.04 billion at June 30, 2020, from $5.06 billion at December 31, 2019. The decrease was primarily due to decreases in available-for sale debt securities of $100.9 million, or 8.9%, cash and cash equivalents of $36.9 million, or 25.0%, Federal Home Loan Bank of New York (“FHLBNY”) stock of $10.1 million, or 25.6%, other assets of $5.7 million, and an increase in the allowance for loan losses of $9.8 million, or 34.2%. Partially offsetting these decreases, was an increase in loans held-for-investment, net (prior to the allowance for loan losses), of $152.3 million, or 4.4%.
 
        The Company’s available-for-sale debt securities portfolio decreased by $100.9 million, or 8.9%, to $1.04 billion at June 30, 2020, from $1.14 billion at December 31, 2019. The decrease was primarily attributable to paydowns, maturities and calls, partially offset by purchases. At June 30, 2020, $943.2 million of the portfolio consisted of residential mortgage-backed securities issued or guaranteed by Fannie Mae, Freddie Mac, or Ginnie Mae. In addition, the Company held $94.0 million in corporate bonds, all of which were considered investment grade at June 30, 2020, and $254,000 in municipal bonds. The effective duration of the securities portfolio at June 30, 2020 was 1.39 years.

         As of June 30, 2020, we estimate that our non-owner occupied commercial real estate concentration (as defined by applicable regulatory guidance) to total risk-based capital was approximately 458%. Management believes that Northfield Bank (the “Bank”) has implemented appropriate risk management practices including risk assessments, board-approved underwriting policies and related procedures which include monitoring Bank portfolio performance, performing market analysis (economic and real estate), and stressing of the Bank’s commercial real estate portfolio under severe, adverse economic conditions. Although management believes the Bank has implemented appropriate policies and procedures to manage our commercial real estate concentration risk, the Bank’s regulators could require us to implement additional policies and procedures or could require us to maintain higher levels of regulatory capital, which might adversely affect our loan originations, ability to pay dividends, and profitability.

        Loans held-for-investment, net, increased $152.3 million to $3.59 billion at June 30, 2020, from $3.44 billion at December 31, 2019, primarily due to an increase in originated loans held-for-investment of $226.6 million, partially offset by decreases in acquired loans of $71.8 million. Originated loans held-for-investment, net, totaled $3.21 billion at June 30, 2020, as compared to $2.99 billion at December 31, 2019. The increase was primarily due to an increase in PPP loans of $105.7 million, and an increase in multifamily real estate loans of $104.4 million, or 4.8%, to $2.30 billion at June 30, 2020, from $2.20 billion at December 31, 2019. The PPP loans are administered by the SBA, which provides 100% federally guaranteed loans for small businesses to cover payroll, utilities, rent and interest. These small business loans may be forgiven if
47
borrowers maintain their payrolls and satisfy certain other conditions for a period of time during the COVID-19 pandemic. During the three months ended June 30, 2020, the Company originated over 900 PPP loans, totaling approximately $109.2 million, and benefiting small businesses with over 13,000 employees. PPP provides for lender processing fees that range from 1% to 5% of the final disbursement made to individual borrowers. Based on the Company’s approved disbursements as of June 30, 2020, we estimate our loan processing fees would be approximately $4.0 million, which will be recognized in income in future periods over the life of the loans.

        On June 14, 2019, the New York State legislature passed the Housing Stability and Tenant Protection Act of 2019, impacting about one million rent-regulated apartment units. Among other things, the legislation: (i) curtails rent increases from Material Capital Improvements and Individual Apartment Improvements; (ii) all but eliminates the ability for apartments to exit rent regulation; (iii) does away with vacancy decontrol and high-income deregulation; and (iv) repealed the 20% vacancy bonus. At June 30, 2020, the Company has approximately $423.1 million in multifamily loans in New York City with tenants that have some form of rent stabilization or rent control. The weighted average loan to value (“LTV”) was 44.2% based on the current balance and the collateral value at date of origination on this portfolio. The highest LTV in this portfolio is 72.9%. While it is too early to measure the full impact of the legislation, it generally limits a landlord’s ability to increase rents on rent-regulated apartments and makes it more difficult to convert rent-regulated apartments to market rate apartments. As a result, the value of the collateral located in New York State securing the Company’s multifamily loans or the future net operating income of such properties could potentially become impaired. Management will continue to evaluate the effect of rent regulations on the collateral values.

        The following tables detail our multifamily real estate originations for the six months ended June 30, 2020 and 2019 (in thousands):
For the Six Months Ended June 30, 2020
Multifamily OriginationsWeighted Average Interest RateWeighted Average LTV RatioWeighted Average Months to Next Rate Change or Maturity for Fixed Rate Loans(F)ixed or (V)ariableAmortization Term
$258,084  3.66%60%92V30 Years
1,500  4.40%47%180F15 Years
$259,584  3.66%60%  
For the Six Months Ended June 30, 2019
Multifamily OriginationsWeighted Average Interest RateWeighted Average LTV RatioWeighted Average Months to Next Rate Change or Maturity for Fixed Rate Loans(F)ixed or (V)ariableAmortization Term
$161,117  4.27%56%74V10 to 30 Years
28,838  4.4360267F15 to 30 Years
$189,955  4.29%57%  
        Acquired loans decreased by $71.8 million to $360.9 million at June 30, 2020, from $432.7 million at December 31, 2019, primarily due to paydowns of one-to-four family residential loans and commercial real estate loans.
        Purchased credit-impaired (“PCI”) loans totaled $14.8 million at June 30, 2020, as compared to $17.4 million at December 31, 2019. The majority of the PCI loan balance consists of loans acquired as part of a Federal Deposit Insurance Corporation-assisted transaction. The Company accreted interest income of $717,000 and $1.5 million attributable to PCI loans for the three and six months ended June 30, 2020, respectively, as compared to $1.0 million and $2.1 million for the three and six months ended June 30, 2019, respectively.
 
        Cash and cash equivalents decreased by $36.9 million, or 25.0%, to $110.9 million at June 30, 2020, from $147.8 million at December 31, 2019, primarily due to a decrease in cash balances held at the Federal Reserve Bank. Balances fluctuate based on the timing of receipt of security and loan repayments and the redeployment of cash into higher-yielding assets such as loans and securities, or the funding of deposit outflows or borrowing maturities.

        FHLBNY stock decreased by $10.1 million, or 25.6%, to $29.5 million at June 30, 2020, from $39.6 million at December 31, 2019. The decrease in FHLBNY stock directly correlates with lower short-term borrowings balances at June 30, 2020, as compared to December 31, 2019.

        Total liabilities decreased $30.5 million, or 0.7%, to $4.33 billion at June 30, 2020, from $4.36 billion at December 31, 2019. The decrease was primarily attributable to a decrease in other borrowings of $240.7 million, partially offset by an
48
increase in deposits of $213.4 million.
 
Deposits increased $213.4 million, or 6.3%, to $3.62 billion at June 30, 2020, as compared to $3.41 billion at December 31, 2019. The increase in deposits is related to the excess liquidity in the market created by the PPP and customer behavior changes related to the COVID-19 pandemic. The increase was attributable to increases of $242.1 million in transaction accounts and $101.6 million in savings accounts, partially offset by decreases of $16.2 million in money market accounts and $114.1 million in certificates of deposit.

        Borrowings and securities sold under agreements to repurchase decreased to $616.3 million at June 30, 2020, from $857.0 million at December 31, 2019. Management utilizes borrowings to mitigate interest rate risk, for short-term liquidity, and to a lesser extent as part of leverage strategies. 

        The following is a table of term borrowing maturities (excluding overnight borrowings and floating rate advances) and the weighted average rate by year at June 30, 2020 (in thousands):
YearAmountWeighted Average Rate
2020$25,0001.95%
2021170,0001.98%
2022120,0002.29%
202387,5002.89%
202450,0002.47%
Thereafter157,5001.47%
$610,0002.08%
        
        Total stockholders’ equity increased by $16.7 million to $712.6 million at June 30, 2020, from $695.9 million at December 31, 2019. The increase was primarily attributable to a $10.0 million increase in accumulated other comprehensive income associated with unrealized gains on our debt securities available-for-sale portfolio, net income of $15.3 million for the six months ended June 30, 2020, and a $1.7 million increase in equity award activity. The increase was partially offset by $10.3 million in dividend payments.

Comparison of Operating Results for the Six Months Ended June 30, 2020 and 2019
 
        Net income was $15.3 million and $17.0 million for the six months ended June 30, 2020 and June 30, 2019, respectively. Significant variances from the comparable prior year period are as follows: a $5.7 million increase in net interest income, a $9.6 million increase in the provision for loan losses, a $1.5 million decrease in non-interest income, a $4.4 million decrease in non-interest expense, and a $634,000 increase in income tax expense.

        Interest Income. Interest income increased $4.0 million, or 5.0%, to $83.6 million for the six months ended June 30, 2020, from $79.7 million for the six months ended June 30, 2019, due to an increase in the average balance of interest-earning assets of $498.3 million, or 11.7%, partially offset by a 24 basis point decrease in the yields earned. Interest income on loans increased by $4.8 million, primarily attributable to an increase in the average loan balances of $290.0 million, partially offset by a decrease in yields earned of seven basis points. The decrease in earning asset yields was due to decreases in market interest rates coupled with PPP loan originations which have lower yields than other loans. The Company accreted interest income related to its PCI loans of $1.5 million and $2.1 million for the six months ended June 30, 2020 and June 30, 2019, respectively. Interest income for the six months ended June 30, 2020, included loan prepayment income of $992,000 as compared to $594,000 for the six months ended June 30, 2019. Interest income includes interest accrued on loans in deferment due to COVID-19.

        Interest Expense. Interest expense decreased $1.7 million, or 6.7%, to $23.5 million for the six months ended June 30, 2020, as compared to $25.2 million for the six months ended June 30, 2019. The decrease was due to a decrease in interest expense on deposits of $4.0 million, or 19.4%, partially offset by an increase in interest expense on borrowings of $2.4 million, or 53.8%. The decrease in interest expense on deposits was attributable to a 35 basis point decrease in the cost of interest-bearing deposits to 1.07% for the six months ended June 30, 2020, partially offset by a $191.7 million, or 6.5%, increase in the average balance of interest-bearing deposit accounts. The decrease in the cost of interest-bearing deposits is primarily due to the Federal Reserve's reductions in the targeted federal funds rate. The increase in interest expense on borrowings was attributable to a $237.8 million, or 54.1%, increase in average borrowings, partially offset by a one basis point decrease in the cost of borrowings to 2.00% for the six months ended June 30, 2020.
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        Net Interest Income.  Net interest income for the six months ended June 30, 2020, increased $5.7 million, or 10.4%, to $60.2 million, from $54.5 million for the six months ended June 30, 2019, primarily due to a $498.3 million, or 11.7%, increase in our average interest-earning assets, partially offset by a four basis point decrease in our net interest margin to 2.55% from 2.59% for the six months ended June 30, 2019. The increase in our average interest-earning assets was due to increases in average loans outstanding of $290.0 million, average mortgage-backed securities of $262.7 million, average interest-earning deposits in financial institutions of $33.1 million, and average FHLBNY stock of $7.0 million, partially offset by decreases in average other securities of $94.6 million. The decrease in net interest margin was due to lower yields on interest-earning assets which decreased 24 basis points to 3.55% for the six months ended June 30, 2020, from 3.79% for the six months ended June 30, 2019, partially offset by a 26 basis point decrease in the cost of our interest-bearing liabilities to 1.24% for the six months ended June 30, 2020, from 1.50% for the six months ended June 30, 2019, due to the lower interest rate environment.
 
        Provision for Loan Losses. The provision for loan losses increased by $9.6 million to $10.1 million for the six months ended June 30, 2020, compared to $550,000 for the six months ended June 30, 2019. The increase in the provision for loan losses was primarily due to increases in the qualitative factors used in determining the adequacy of the allowance for loan losses related to unemployment and loan risk rating changes related to loan modification requests, and to a lesser extent delinquencies, resulting from economic uncertainty attributable to the COVID-19 pandemic. Year-over-year loan growth also contributed to the increase in the provision. Net charge-offs were $291,000 and $215,000 for the six months ended June 30, 2020, and June 30, 2019, respectively.
        
        Non-interest Income. Non-interest income decreased $1.5 million, or 26.1%, to $4.3 million for the six months ended June 30, 2020, from $5.9 million for the six months ended June 30, 2019, primarily due to decreases of $561,000 in fees and service charges for customer services and $1.8 million in gains on trading securities, net, partially offset by a $665,000 gain on the sale of a $47.5 million portfolio of multifamily loans, and an increase in other income of $373,000. The decrease in fees and service charges for customer services was primarily due to a decline in overdraft charges, attributable to fees waived due to the COVID-19 pandemic, as well as a decline in overdrafts due to lower consumer spending. For the six months ended June 30, 2020, losses on trading securities were $366,000 as compared to gains of $1.4 million for the six months ended June 30, 2019. The trading portfolio is utilized to fund the Company’s deferred compensation obligation to certain employees and directors of the Company's deferred compensation plan (the “Plan”). The participants of this Plan, at their election, defer a portion of their compensation. Gains and losses on trading securities have no effect on net income since participants benefit from, and bear the full risk of, changes in the trading securities market values. Therefore, the Company records an equal and offsetting amount in compensation expense, reflecting the change in the Company’s obligations under the Plan. The increase in other income was primarily attributable to an increase in swap fee income.
     
        Non-interest Expense. Non-interest expense decreased $4.4 million, or 11.6%, to $33.5 million for the six months ended June 30, 2020, compared to $38.0 million for the six months ended June 30, 2019. This was due primarily to: (i) a $3.1 million decrease in employee compensation and benefits, $1.8 million of which is related to the Company's deferred compensation plan, which is described above and has no effect on net income, coupled with a $1.1 million decrease in equity award expense related to equity awards that fully vested in June 2019; (ii) a $324,000 decrease in occupancy expense primarily due to lower rent and leasehold amortization expense related to the closing of three branches effective December 31, 2019; (iii) a $934,000 decrease in advertising expense, primarily due to fewer marketing campaigns in 2020; (iv) a $316,000 decrease in FDIC insurance premiums due to a reduction in our deposit insurance assessment as a result of the utilization of credits received. The credits were provided by the FDIC to banks with total consolidated assets of less than $10.0 billion for the portion of their assessments that contributed to the growth in the FDIC’s reserve ratio; and (v) an $845,000 decrease in other non-interest expense, largely related to a decrease in directors' equity award expense associated with awards that fully vested in June 2019. Partially offsetting the decreases was an increase in professional fees of $596,000, primarily merger-related costs associated with our recent acquisition of Victory, which closed on July 1, 2020, and an increase of $372,000 in data processing costs.

        Income Tax Expense. The Company recorded income tax expense of $5.5 million for the six months ended June 30, 2020, compared to $4.9 million for the six months ended June 30, 2019. The effective tax rate for the six months ended June 30, 2020, was 26.5% compared to 22.4% for the six months ended June 30, 2019. The higher effective tax rate for the six months ended June 30, 2020, was primarily attributable to lower excess tax benefits and non-deductible merger-related expenses. Non-deductible merger-related expenses were $384,000 for the six months ended June 30, 2020, as compared to $0 for the same period in 2019. There were no excess tax benefits for the six months ended June 30, 2020, as compared to excess tax benefits of $286,000 for the six months ended June 30, 2019.
        


        
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        The following table sets forth average balances, average yields and costs, and certain other information for the periods indicated.    
ANALYSIS OF NET INTEREST INCOME
(Dollars in thousands)
 For the Six Months Ended
 June 30, 2020June 30, 2019
 Average Outstanding BalanceInterest
Average Yield/ Rate (1)
Average Outstanding BalanceInterest
Average Yield/ Rate (1)
Interest-earning assets:      
Loans (2)
$3,529,569  $70,680  4.03 %$3,239,530  $65,898  4.10 %
Mortgage-backed securities (3)
934,114  9,926  2.14  671,395  8,673  2.60  
Other securities (3)
142,446  1,801  2.54  237,037  3,564  3.03  
Federal Home Loan Bank of New York stock30,371  1,033  6.84  23,357  742  6.41  
Interest-earning deposits in financial institutions103,673  203  0.39  70,591  782  2.23  
Total interest-earning assets4,740,173  83,643  3.55  4,241,910  79,659  3.79  
Non-interest-earning assets295,218  292,301  
Total assets$5,035,391  $4,534,211  
Interest-bearing liabilities:
Savings, NOW, and money market accounts$2,067,140  $6,967  0.68 %$1,888,401  $10,171  1.09 %
Certificates of deposit1,068,660  9,785  1.84  1,055,701  10,625  2.03  
Total interest-bearing deposits3,135,800  16,752  1.07  2,944,102  20,796  1.42  
Borrowed funds677,293  6,728  2.00  439,505  4,374  2.01  
Total interest-bearing liabilities$3,813,093  23,480  1.24  $3,383,607  25,170  1.50  
Non-interest bearing deposits423,563  382,748  
Accrued expenses and other liabilities92,543  91,603  
Total liabilities4,329,199  3,857,958  
Stockholders' equity706,192  676,253  
Total liabilities and stockholders' equity$5,035,391  $4,534,211  
Net interest income$60,163  $54,489  
Net interest rate spread (4)
2.31 %2.29 %
Net interest-earning assets (5)
$927,080  $858,303  
Net interest margin (6)
2.55 %2.59 %
Average interest-earning assets to interest-bearing liabilities124.31 %125.37 %
(1)Average yields and rates are annualized.
(2)Includes non-accruing loans.
(3)Securities available-for-sale are reported at amortized cost.
(4)Net interest rate spread represents the difference between the weighted average yield on interest-earning assets and the weighted average cost of interest-bearing liabilities.
(5)Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities.
(6)Net interest margin represents net interest income divided by average total interest-earning assets.



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Comparison of Operating Results for the Three Months Ended June 30, 2020 and 2019
 
        Net Income. Net income was $10.8 million and $8.2 million for the quarters ended June 30, 2020, and June 30, 2019, respectively. Significant variances from the comparable prior year quarter are as follows: a $3.1 million increase in net interest income, a $1.4 million increase in the provision for loan losses, a $1.7 million increase in non-interest income, an $895,000 decrease in non-interest expense, and a $1.6 million increase in income tax expense.
 Interest Income. Interest income increased $718,000, or 1.8%, to $40.9 million for the quarter ended June 30, 2020, from $40.2 million for the quarter June 30, 2019, due to an increase in the average balance of interest-earning assets of $519.7 million, or 12.2%, partially offset by a 34 basis point decrease in the yields earned. Interest income on loans increased by $2.0 million, primarily attributable to an increase in the average loan balances of $327.2 million, partially offset by a 14 basis point decrease in the yield earned. Interest income on securities decreased by $1.2 million, primarily attributable to a 72 basis point decrease in yields earned, partially offset by an increase in the average securities balances of $99.7 million. The decrease in earning asset yields was due to decreases in market interest rates coupled with PPP loan originations which have lower yields than other loans. The Company accreted interest income related to its PCI loans of $717,000 for the quarter ended June 30, 2020, as compared to $1.0 million, for the quarter ended June 30, 2019. Interest income on loans for the quarter ended June 30, 2020, included loan prepayment income of $365,000, as compared to $174,000 for the quarter ended June 30, 2019. Interest income includes interest accrued on loans in deferment due to COVID-19.

        Interest Expense. Interest expense decreased $2.4 million, or 18.1%, to $10.7 million for the quarter ended June 30, 2020, from $13.0 million for the quarter ended June 30, 2019. The decrease was due to a decrease in interest expense on deposits of $3.1 million, or 29.2%, partially offset by an increase in interest expense on borrowings of $723,000, or 29.1%. The decrease in interest expense on deposits was attributable to a 49 basis point decrease in the cost of interest-bearing deposits to 0.95% for the quarter ended June 30, 2020, partially offset by a $226.6 million, or 7.7%, increase in the average balance of interest-bearing deposit accounts. The increase in borrowings was attributable to a $188.0 million, or 38.6%, increase in average borrowings, partially offset by a 14 basis point decrease in the cost of borrowings to 1.91% for the quarter ended June 30, 2020. The decreases are reflective of the lower interest rate environment attributable to the Federal Reserve's reductions in the targeted federal funds rate.
        Net Interest Income. Net interest income for the quarter ended June 30, 2020, increased $3.1 million, or 11.3%, primarily due to a $519.7 million, or 12.2%, increase in our average interest-earning assets, partially offset by a two basis point decrease in our net interest margin to 2.53% from 2.55% for the quarter ended June 30, 2019. The increase in average interest-earning assets was due to increases in average loans outstanding of $327.2 million, average mortgage-backed securities of $198.3 million, average FHLBNY stock of $4.5 million, and average interest-earning deposits in financial institutions of $88.2 million, partially offset by a decrease of $98.6 million in average other securities. The decrease in net interest margin was primarily due to lower yields on interest-earning assets which decreased by 34 basis points to 3.43% for the quarter ended June 30, 2020, from 3.77% for the quarter ended June 30, 2019, partially offset by a decrease in the cost of our interest-bearing liabilities, which decreased 41 basis points to 1.12% for the quarter ended June 30, 2020, from 1.53% for the quarter ended June 30, 2019, reflective of the lower interest rate environment.
   
        Provision for Loan Losses. The provision for loan losses increased by $1.4 million to $1.9 million for the quarter ended June 30, 2020, from a provision of $491,000 for the quarter ended June 30, 2019. The increase in the provision for loan losses was primarily due to increases in the qualitative factors used in determining the adequacy of the allowance for loan losses related to unemployment and loan risk rating changes related to loan modification requests, and to a lesser extent delinquencies, resulting from economic uncertainty attributable to the COVID-19 pandemic. Year-over-year loan growth also contributed to the increase in the provision. Net charge-offs were $201,000 for the quarter ended June 30, 2020, compared to net charge-offs of $145,000 for the quarter ended June 30, 2019.

        Non-interest Income. Non-interest income increased $1.7 million, or 65.2%, to $4.2 million for the quarter ended June 30, 2020, from $2.6 million for the quarter ended June 30, 2019, primarily due to an increase of $1.3 million in gains on trading securities, net, a $665,000 gain on the sale of a $47.5 million portfolio of multifamily loans, and a $293,000 increase in other income, partially offset by a $541,000 decrease in fees and service charges for customer services. For the quarter ended June 30, 2020, gains on trading securities, net, included gains of $1.6 million related to the Company’s trading portfolio, compared to gains of $343,000 in the comparative prior year quarter. As previously noted, the trading portfolio is utilized to fund the Company’s deferred compensation obligation to certain employees and directors of the Company's deferred compensation plan, and gains and losses on trading securities have no effect on net income since participants benefit from, and bear the full risk of, changes in the trading securities market values. The increase in other income was primarily attributable to an increase in swap fee income. The decrease in fees and service charges for customer services was primarily due to a decline in
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overdraft charges, attributable to fees waived due to the COVID-19 pandemic as well as a decline in overdrafts due to lower consumer spending.
        
Non-interest Expense. Non-interest expense decreased by $895,000, or 4.8%, to $17.9 million for the quarter ended June 30, 2020, from $18.8 million for the quarter ended June 30, 2019. The decrease was due primarily to decreases of $988,000 in advertising costs, primarily due to fewer marketing campaigns in 2020, and $866,000 in other non-interest expense, attributable to a decrease in reserves for commitments and a decrease in directors' equity award expense associated with awards that fully vested in June 2019. Partially offsetting the decreases were increases in compensation and employee benefits of $607,000, data processing fees of $175,000, and professional fees of $234,000.
 
        Income Tax Expense. The Company recorded income tax expense of $3.9 million for the quarter ended June 30, 2020, compared to $2.3 million for the quarter ended June 30, 2019. The effective tax rate for the quarter ended June 30, 2020, was 26.5% compared to 21.7% for the quarter ended June 30, 2019. The higher rate was due primarily to lower excess tax benefits and non-deductible merger-related expenses. Non-deductible merger-related expenses were $205,000 for the quarter ended June 30, 2020, as compared to $0 for the comparable prior year quarter. There were no excess tax benefits for the quarter ended June 30, 2020, as compared to excess tax benefits of $193,000 for the quarter ended June 30, 2019.

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        The following table sets forth average balances, average yields and costs, and certain other information for the periods indicated.    
ANALYSIS OF NET INTEREST INCOME
(Dollars in thousands)
 For the Three Months Ended
 June 30, 2020June 30, 2019
 Average Outstanding BalanceInterest
Average Yield/ Rate (1)
Average Outstanding BalanceInterest
Average Yield/ Rate (1)
Interest-earning assets:      
Loans (2)
$3,587,772  $35,343  3.96 %$3,260,550  $33,308  4.10 %
Mortgage-backed securities (3)
913,203  4,304  1.90  714,930  4,599  2.58  
Other securities (3)
128,818  777  2.43  227,379  1,699  3.00  
Federal Home Loan Bank of New York stock29,478  456  6.22  24,966  340  5.46  
Interest-earning deposits in financial institutions137,120  31  0.09  48,885  247  2.03  
Total interest-earning assets4,796,391  40,911  3.43  4,276,710  40,193  3.77  
Non-interest-earning assets300,511    298,223    
Total assets$5,096,902    $4,574,933    
Interest-bearing liabilities:      
Savings, NOW, and money market accounts$2,132,213  $2,894  0.55 %$1,918,810  $5,377  1.12 %
Certificates of deposit1,023,276  4,579  1.80  1,010,045  5,172  2.05  
Total interest-bearing deposits3,155,489  7,473  0.95  2,928,855  10,549  1.44  
Borrowed funds675,109  3,208  1.91  487,115  2,485  2.05  
Total interest-bearing liabilities3,830,598  10,681  1.12  3,415,970  13,034  1.53  
Non-interest bearing deposits465,082  385,820    
Accrued expenses and other liabilities91,957  93,176    
Total liabilities4,387,637  3,894,966    
Stockholders' equity709,265  679,967    
Total liabilities and stockholders' equity$5,096,902  $4,574,933    
Net interest income $30,230    $27,159   
Net interest rate spread (4)
  2.31 %  2.24 %
Net interest-earning assets (5)
$965,793    $860,740   
Net interest margin (6)
  2.53 %  2.55 %
Average interest-earning assets to interest-bearing liabilities  125.21 %  125.20 %
(1)Average yields and rates are annualized.
(2)Includes non-accruing loans.
(3)Securities available-for-sale are reported at amortized cost.
(4)Net interest rate spread represents the difference between the weighted average yield on interest-earning assets and the weighted average cost of interest-bearing liabilities.
(5)Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities.
(6)Net interest margin represents net interest income divided by average total interest-earning assets.

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Asset Quality
 
        Purchased Credit Impaired Loans
        
PCI loans are recorded at estimated fair value using discounted expected future cash flows deemed to be collectible on the date acquired. Based on its detailed review of PCI loans and experience in loan workouts, management believes it has a reasonable expectation about the amount and timing of future cash flows and accordingly has classified PCI loans ($14.8 million at June 30, 2020 and $17.4 million at December 31, 2019) as accruing, even though they may be contractually past due. At June 30, 2020, 18.1% of PCI loans were past due 30 to 89 days, and 26.1% were past due 90 days or more, as compared to 20.9% and 24.3%, respectively, at December 31, 2019.
 
        Originated and Acquired loans
 
        The following table details total originated and acquired (including held-for-sale, but excluding PCI) non-accruing loans, non-performing loans, non-performing assets, troubled debt restructurings (TDRs) on which interest is accruing, and accruing loans 30 to 89 days delinquent at June 30, 2020, and December 31, 2019 ( in thousands):  
 June 30, 2020December 31, 2019
Non-accrual loans: 
Held-for-investment
Real estate loans: 
Commercial$7,089  $7,922  
One-to-four family residential814  889  
Multifamily722  437  
Home equity and lines of credit181  185  
Total non-accrual loans 8,806  9,433  
Loans delinquent 90 days or more and still accruing: 
Held-for-investment
Real estate loans: 
Commercial39  253  
One-to-four family residential332  265  
Multifamily492  —  
Home equity and lines of credit115  —  
Total loans delinquent 90 days or more and still accruing978  518  
Total non-performing assets$9,784  $9,951  
Non-performing loans to total loans0.27 %0.29 %
Non-performing assets to total assets0.19 %0.20 %
Loans subject to restructuring agreements and still accruing$13,295  $14,143  
Accruing loans 30 to 89 days delinquent$16,104  $8,206  
        
Included in non-accrual loans at June 30, 2020, is a commercial real estate loan with a balance of approximately $2.8 million, where the related collateral property is under contract for sale. No impairment reserve was required on this loan as of June 30, 2020, and the loan is expected to be repaid in full upon sale of the collateral property.
        
Accruing Loans 30 to 89 Days Delinquent
 
        Loans 30 to 89 days delinquent and on accrual status totaled $16.1 and $8.2 million at June 30, 2020 and December 31, 2019, respectively. The following table sets forth delinquencies for accruing loans by type and by amount at
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June 30, 2020 and December 31, 2019 (in thousands):     
 June 30, 2020December 31, 2019
Held-for-investment
Real estate loans:
Commercial$12,433  $5,450  
One-to-four family residential2,166  1,590  
Multifamily75  547  
Construction and land198  147  
Home equity and lines of credit750  217  
Commercial and industrial loans482  229  
Other loans—  26  
Total delinquent accruing loans $16,104  $8,206  
        
The increase in accruing loans 30-89 days delinquent from December 31, 2019, is due primarily to an increase in delinquent commercial real estate loans, attributable to a deterioration of economic conditions caused by the COVID-19 pandemic. Three loans totaling $4.6 million have requested forbearance relief, and another loan totaling $2.9 million, which has not sought forbearance relief, is collateralized by a mixed use property comprised of apartments and a restaurant, and has been impacted by slower rent collections.

Loans Subject to TDR Agreements
 
        Included in non-accruing loans are loans subject to TDR agreements totaling $3.8 million and $4.4 million at June 30, 2020 and December 31, 2019, respectively. The decrease in non-accruing TDR loans was primarily due to one loan with a balance of $1.3 million, settled in full during the quarter ended March 31, 2020. There were four loans modified as TDRs during the quarter ended June 30, 2020, totaling $730,000, where the borrowers have requested relief due to COVID-19 related challenges. All four loans were delinquent and on non-accrual status prior to the implementation of our COVID-19 customer relief program. At December 31, 2019, two of the non-accruing troubled debt restructurings totaling $255,000 were not performing in accordance with their restructured terms, and were collateralized by real estate with an aggregate estimated fair value of $946,000.

        The Company also holds loans subject to TDR agreements that are on accrual status totaling $13.3 million and $14.1 million at June 30, 2020 and December 31, 2019, respectively. At June 30, 2020, $12.9 million, or 97.2%, of the $13.3 million of accruing loans subject to TDR agreements were performing in accordance with their restructured terms. At December 31, 2019, $13.8 million, or 97.3%, of the $14.1 million of accruing loans subject to TDR agreements were performing in accordance with their restructured terms. Generally, the types of concessions that we make to troubled borrowers include both temporary and permanent reductions to interest rates, extensions of payment terms, and, to a lesser extent, forgiveness of principal and interest. 

        The following table details the amounts and categories of the loans subject to restructuring agreements by loan type as of June 30, 2020 and December 31, 2019 (in thousands): 
June 30, 2020December 31, 2019
Non-AccruingAccruingNon-AccruingAccruing
Real estate loans:
Commercial$3,318  $10,667  $4,102  $10,810  
One-to-four family residential429  1,889  255  2,224  
Multifamily40  634  40  997  
Home equity and lines of credit—  51  —  54  
Commercial and industrial loans—  54  —  58  
$3,787  $13,295  $4,397  $14,143  
Performing in accordance with restructured terms89.8 %97.2 %64.5 %97.3 %
        
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Management continues to evaluate the Company's exposure to increased loan losses related to the COVID-19 pandemic, in particular the commercial real estate and multifamily loan portfolios. The Company has implemented a customer relief program to assist borrowers that may be experiencing financial hardship due to COVID-19 related challenges. The relief program grants principal and/or interest payment deferrals typically for a period of 90 days, which may be extended for an additional 90 days, for a maximum of 180 days on a cumulative basis. Through June 30, 2020, the Company had executed or approved requests for payment deferral from 262 borrowers (excluding PCI loans), representing $345.9 million, or approximately 9.7% of the Company’s outstanding originated and acquired loan portfolio as of that date. Loans in deferment status (“COVID-19 Modified Loans”) will continue to accrue interest during the deferment period unless otherwise classified as nonperforming. COVID-19 Modified Loans are required to make escrow payments for real estate taxes and insurance, if applicable. For loans given relief of interest, the deferred interest is generally to be paid back over a period not to exceed 18 months. Principal deferrals may be brought current or recast into outstanding principal at time of rate reset or repaid at the end of the loan's contractual term. COVID-19 Modified Loan agreements generally also include covenants that prohibit distributions, bonuses, or payments of management fees to related entities until all deferred payments are made. Consistent with industry regulatory guidance, borrowers that were otherwise current on loan payments that were granted COVID-19 related financial hardship payment deferrals will continue to be reported as current loans throughout the agreed upon deferral period. Borrowers, which were delinquent in their payments to the Bank, prior to requesting a COVID-19 related financial hardship payment deferral are reviewed on a case-by-case basis for TDR classification and non-performing loan status.

        

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The following table sets forth the property types collateralizing our originated and acquired (excluding PCI) loans and loans approved for/executed forbearance as of June 30, 2020 (in thousands):
Loan Portfolio by Property Type at June 30, 2020Loans Approved for/Executed Forbearance Agreements for COVID Relief through June 30, 2020
Number of LoansAmount Average Loan SizeWeighted Average LTV Ratio% of Total Loans Number of LoansAmount Average Loan SizeWeighted Average LTV Ratio% of Portfolio by Property Type
Commercial Real Estate
Multifamily(1)
1,070$2,400,001  $2,243  54 %67.1 %88$173,170  $1,968  47 %7.2 %
Mixed use (majority of space is non-residential) 204150,088  736  45 %4.2 %4452,865  1,201  49 %35.2 %
Retail 83130,306  1,570  49 %3.7 %2341,833  1,819  49 %32.1 %
Office buildings 107102,780  961  50 %2.9 %1810,066  559  50 %9.8 %
Accommodations 1366,118  5,086  41 %1.9 %1035,270  3,527  35 %53.3 %
Nursing Home527,915  5,583  58 %0.8 %——  —  — %— %
Medical Office Buildings1925,225  1,328  67 %0.7 %11,250  1,250  54 %5.0 %
Industrial and Manufacturing (Office and Plant)2421,335  889  45 %0.6 %——  —  — %— %
Warehousing 2018,259  913  48 %0.5 %2814  407  39 %4.5 %
Restaurant 1912,510  658  53 %0.3 %129,915  826  46 %79.3 %
Religious1611,109  694  40 %0.3 %31,643  548  46 %14.8 %
Bank Branch76,494  928  47 %0.2 %——  —  — %— %
Schools/Child Day care55,230  1,046  38 %0.1 %——  —  — %— %
Automobile144,951  354  52 %0.1 %1179  179  14 %3.6 %
Funeral Home32,756  919  66 %0.1 %——  —  — %— %
Leisure32,869  956  61 %0.1 %32,869  956  61 %100.0 %
Car Wash31,254  418  39 %— %——  —  — %— %
Other 7745,328  589  45 %1.2 %52,431  486  50 %5.4 %
Total commercial real estate (including multifamily)1,6923,034,528  1,793  53 %84.8 %210332,305  1,582  46 %11.0 %
One-to-four family residential708231,368  327  55 %6.5 %238,625  375  48 %3.7 %
Home equity and lines of credit1,793100,200  56  48 %2.8 %6703  117  49 %0.7 %
Construction and land3548,319  1,381  42 %1.4 %——  —  — %— %
Commercial and industrial loans1,375157,758  115  NM4.4 %234,219  183  NM2.7 %
Other312,411  78  NM0.1 %——  —  — %— %
Total loans (excluding PCI)5,634$3,574,584  634  100.0 %262$345,852  1,320  9.7 %
(1) Property type is apartment units equal or greater than five units.



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As of August 7, 2020, loans reported in the table above were in the following status ($ in millions):
Number of LoansAmountPercentage of Total
Returned to contractual monthly payments118$143.4  41.5 %
Requested or approved for a second 90-day period4763.1  18.2 %
Delinquent less than 30 days3749.0  14.2 %
Delinquent 30 days or more1721.5  6.2 %
In original forbearance(1)
4368.8  19.9 %
262$345.8  100.0 %
(1) Forbearance set to expire between August 8, 2020 and January 1, 2021.

Of the 47 loans that requested or were approved for a second 90-day forbearance period, $29.7 million were loans secured by accommodations (hotels or motels), $14.2 million were loans secured by mixed-use properties (majority of space is non-residential), and $10.4 million were in the retail industry. Loans delinquent 30 days or more include $14.4 million secured by mixed-use properties, with the majority of the remainder in the retail, restaurant and leisure industries. In addition, four loans totaling $5.9 million, were granted initial forbearance subsequent to June 30, 2020, through August 7, 2020.
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Liquidity and Capital Resources
        Liquidity. The objective of our liquidity management is to ensure the availability of sufficient funds to meet financial commitments and to take advantage of lending and investment opportunities. The Bank manages liquidity in order to meet deposit withdrawals on demand or at contractual maturity, to repay borrowings as they mature, and to fund new loans and investments as opportunities arise.
        The Bank's primary sources of funds are deposits, principal and interest payments on loans and securities, borrowed funds, the proceeds from maturing securities and short-term investments, and to a lesser extent, proceeds from the sales of loans and securities and wholesale borrowings. The scheduled amortization of loans and securities, as well as proceeds from borrowed funds, are predictable sources of funds. Other funding sources, however, such as deposit inflows and loan prepayments are greatly influenced by market interest rates, economic conditions, and competition. The Bank is a member of the FHLBNY, which provides an additional source of short-term and long-term funding. The Bank also has short-term borrowing capabilities with the Federal Reserve Bank of New York. The Bank’s borrowed funds, excluding lease obligations floating rate advances and overnight line of credit, were $610.0 million at June 30, 2020, and had a weighted average interest rate of 2.08%. A total of $146.7 million of these borrowings will mature in less than one year. Borrowed funds, excluding floating rate advances and overnight line of credit, were $851.0 million at December 31, 2019. The Bank has the ability to obtain additional funding from the FHLB of approximately $1.49 billion utilizing unencumbered securities of $422.4 million, loans of $1.06 billion, and encumbered securities of $2.2 million at June 30, 2020. Additionally, the Bank has remaining borrowing capacity utilizing encumbered securities through the FRB Discount Window of $201.0 million. The Bank also has a Letter of Credit (“LOC”) of up to $50.0 million with the FHLBNY for the purpose of collateralizing municipal deposits. Any amount pledged for such deposits under the LOC reduces the Bank's available borrowing amount under the FHLB advance agreement. The Bank expects to have sufficient funds available to meet current commitments in the normal course of business.

        Northfield Bancorp, Inc. (standalone) is a separate legal entity from the Bank and must provide for its own liquidity to pay dividends, repurchase its stock, and for other corporate purposes. Northfield Bancorp, Inc.'s primary source of liquidity is dividend payments from the Bank. At June 30, 2020, Northfield Bancorp, Inc. (standalone) had liquid assets of $37.3 million.

        Capital Resources. Federal regulations require federally insured depository institutions to meet several minimum capital standards: a common equity Tier 1 capital to risk-based assets ratio of 4.5%, a Tier 1 capital to risk-based assets ratio of 6.0%, a total capital to risk-based assets of 8.0%, and a 4.0% Tier 1 capital to total assets leverage ratio. In addition to establishing the minimum regulatory capital requirements, the regulations limit capital distributions and certain discretionary bonus payments to management if the institution does not hold a “capital conservation buffer” consisting of 2.5% of common equity Tier 1 capital to risk-weighted assets in addition to the amount necessary to meet its minimum risk-based capital requirements.
        
        As a result of the recently enacted Economic Growth, Regulatory Relief, and Consumer Protection Act, the federal banking agencies were required to develop a “Community Bank Leverage Ratio” (“CBLR”) (the ratio of a bank’s tangible equity capital to average total consolidated assets) for financial institutions with assets of less than $10 billion. A qualifying community bank that exceeds this ratio will be deemed to be in compliance with all other capital and leverage requirements, including the capital requirements to be considered “well capitalized” under Prompt Corrective Action statutes. The federal banking agencies approved 9% as the minimum capital for the CBLR. Effective March 31, 2020, a financial institution can elect to be subject to this new definition. Northfield Bank and Northfield Bancorp have elected to opt into the “CBLR” framework, beginning with the Call Reports filed for the first quarter of 2020. The CBLR replaced the risk-based and leverage capital requirements in the generally applicable capital rules. On April 6, 2020, the federal banking regulators, implementing the applicable provisions of the CARES Act, modified the CBLR framework so that: (i) beginning in the second quarter of 2020 and until the end of the year, a banking organization that has a leverage ratio of 8% or greater and meets certain other criteria may elect to use the CBLR framework; and (ii) community banking organizations will have until January 1, 2022 before the CBLR requirement is re-established at greater than 9%. Under the interim rules, the minimum CBLR will be 8% beginning in the second quarter and for the remainder of calendar year 2020, 8.5% for calendar year 2021, and 9% thereafter.

        At June 30, 2020, and December 31, 2019, as set forth in the following table, both Northfield Bank and Northfield Bancorp, Inc. exceeded all of the regulatory capital requirements to which they were subject at such dates.
        
        
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Northfield BankNorthfield Bancorp, Inc.
For Capital Adequacy Purposes (1)
For Well Capitalized Under Prompt Corrective Action Provisions
As of June 30, 2020:
CBLR11.86%13.03%8.00%8.00%
As of December 31, 2019:
Common equity Tier 1 capital (to risk-weighted assets)14.99%16.35%4.50%6.50%
Tier 1 leverage 12.28%13.37%4.00%5.00%
Tier I capital (to risk-weighted assets)14.99%16.35%6.00%8.00%
Total capital (to risk-weighted assets)15.73%17.09%8.00%10.00%
(1) Includes capital conservation buffer at December 31, 2019. The CBLR does not include a capital conservation buffer.
Off-Balance Sheet Arrangements and Contractual Obligations
        In the normal course of operations, the Company engages in a variety of financial transactions that, in accordance with U.S. GAAP, are not recorded in the financial statements. These transactions primarily relate to lending commitments. These arrangements are not expected to have a material impact on the Company's results of operations or financial condition.
        The following table shows the contractual obligations of the Company by expected payment period as of June 30, 2020 (in thousands):
Contractual ObligationsTotalLess than One YearOne to less than Three YearsThree to less than Five YearsMore than Five Years
Borrowings$610,000  $146,725  $230,775  $187,500  $45,000  
Operating lease liabilities57,824  6,270  10,732  10,051  30,771  
Commitments to originate loans34,997  34,997  —  —  —  
Commitments to fund unused lines of credit151,586  151,586  —  —  —  
        
Commitments to fund unused lines of credit are agreements to lend additional funds to customers as long as there have been no violations of any of the conditions established in the agreements (original or restructured). Commitments to originate loans generally have a fixed expiration or other termination clauses, which may or may not require payment of a fee. Since some of these loan commitments are expected to expire without being drawn upon, total commitments do not necessarily represent future cash requirements. At June 30, 2020, the reserve for commitments to fund unused lines of credit recorded in accrued expenses and other liabilities was $720,000.

        For further information regarding our off-balance sheet arrangements and contractual obligations, see "Management’s Discussion and Analysis of Financial Condition and Results of Operations" in the Company’s Annual Report on Form 10-K for the year ended December 31, 2019.

Accounting Pronouncements Not Yet Adopted
        
        ASU No. 2020-04. On March 12, 2020, FASB issued ASU No. 2020-04, “Reference Rate Reform ("ASC 848"): Facilitation of the Effects of Reference Rate Reform on Financial Reporting”, which provides temporary optional guidance to ease the potential burden in accounting for reference rate reform. The ASU provides optional expedients and exceptions for applying generally accepted accounting principles to contract modifications and hedging relationships, subject to meeting certain criteria, that reference the London Inter-Bank Offered Rate (“LIBOR”) or another reference rate expected to be discontinued. It is intended to help stakeholders during the global market-wide reference rate transition period. The guidance is effective for all entities as of March 12, 2020 through December 31, 2022. The Company is implementing a transition plan to identify and modify its loans and other financial instruments that are either directly or indirectly influenced by LIBOR. The Company is in the process of evaluating ASU No. 2020-04 and its impact on the Company’s transition away from LIBOR for its loan and other financial instruments, with no material expected impact on the Company's financial condition or results of operation at this time.

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        ASU No. 2019-12. In December 2019, the FASB issued ASU No. 2019-12, “Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes.” ASU No. 2019-12 simplifies accounting for income taxes by removing specific technical exceptions in ASC 740 related to the incremental approach for intra-period tax allocation, the methodology for calculating income taxes in an interim period and the recognition for deferred tax liabilities for outside basis differences. ASU No. 2019-12 also simplifies aspects of the accounting for franchise taxes and enacted changes in tax laws or rates and clarifies the accounting for transactions that result in a step-up in the tax basis of goodwill. The amendments in this update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2020. ASU No. 2019-12 is not expected to have a material impact on the Company’s financial condition or results of operations.
        
        ASU No. 2018-14. In August 2018, the FASB issued ASU No. 2018-14, “Disclosure Framework - Changes to the Disclosure Requirements for Defined Benefit Plans.” This ASU makes minor changes to the disclosure requirements for employers that sponsor defined benefit pension and/or other postretirement benefit plans. ASU 2018-14 is effective for fiscal years ending after December 15, 2020, with early adoption permitted. As ASU 2018-14 only revises disclosure requirements, it will not have an impact on the Company’s financial condition or results of operations.
         
        ASU 2016-13. In June 2016, the FASB issued ASU No. 2016-13, “Financial Instruments - Credit Losses (Topic 326): “Measurement of Credit Losses on Financial Instruments” (“ASU 2016-13”). This guidance was subsequently amended by ASU No. 2019-04, “Codification Improvements to Topic 326, Financial Instruments-Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments”; ASU No. 2019-05, “Financial Instruments-Credit Losses (Topic 326): Targeted Transition Relief”; and ASU No. 2019-11, “Codification Improvements to Topic 326, Financial Instruments-Credit Losses”. ASU No. 2016-13 and its subsequent updates are collectively known as “CECL”. CECL replaces the current incurred loss impairment model that recognizes losses when a probable threshold is met with a requirement to recognize lifetime expected credit losses immediately when a financial asset is originated or purchased. For available-for-sale debt securities where fair value is less than cost, credit-related impairment would be recognized in an allowance for credit losses and adjusted in each subsequent period for changes in credit risk. CECL also expands the disclosure requirements regarding an entity’s assumptions, models, and methods for estimating the allowance for credit losses.

        ASU 2016-13 and its subsequent updates became effective for the Company on January 1, 2020. However, the CARES Act, which became law on March 27, 2020, included an option for financial institutions to delay the implementation of ASU 2016-13 until the earlier of the termination date of the national emergency concerning the COVID-19 pandemic or December 31, 2020. The Company has elected to delay its implementation of ASU 2016-13 and has calculated and recorded its provision for credit losses under the incurred loss model that existed prior to ASU 2016-13.

        Our CECL implementation process included assessment and documentation of governance and reporting processes and related internal controls; model development, documentation and validation; and the incorporation of qualitative adjustments for model limitations, among other things. We contracted with a third-party vendor to assist us in the application of CECL. ASU 2016-13 lists several credit loss methods that are acceptable such as a discounted cash flow method, loss-rate method and probability of default/loss given default (“PD/LGD”) method. The Company will utilize the PD/LGD methodology to estimate its allowance for loan losses.

        Our CECL model includes the following major items:
•a historical loss period, which represents a full economic credit cycle utilizing internal loss experience, as well as peer historical loss data;
•three economic scenarios - history continues, history moderately worsens, and history severely worsens;
•a reasonable and supportable forecast period of two years, based on management’s current review of macroeconomic factors and the reliability of extended economic forecasts based on forecast data from Moody's;
•a reversion period (after the reasonable and supportable forecast period) using a straight-line approach;
•expected prepayment rates based on our historical experience; and
•incorporation of qualitative factors not captured within the modeled results.

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        CECL parallel comparisons were performed at June 30, 2020, and the Company expects that upon adoption of ASU 2016-13, with an effective retrospective date of January 1, 2020, the Company would increase its allowance for credit losses by approximately 15% to 25%, excluding any reclassification related to purchased credit-impaired loans. This increase will be reflected as a cumulative-effect adjustment that decreases beginning retained earnings, net of income taxes. The expected increase in the allowance for credit losses is a result of changing from an incurred loss model, which encompasses allowances for current known and inherent losses within the portfolio, to a CECL model, which encompasses allowances for losses expected to be incurred over the life of the portfolio. Furthermore, ASU 2016-13 necessitates that the Company establish an allowance for expected credit losses for certain debt securities and other financial assets; however, the Company does not expect to record any allowances on debt securities available-for sale. The adoption of ASU 2016-13 is not expected to have a significant impact on our regulatory capital ratios.

        See Note 13 of the Notes to the Unaudited Consolidated Financial Statements for information about recent accounting pronouncements adopted.
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ITEM 3. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK
        Management of Market Risk
        General.  A majority of our assets and liabilities are monetary in nature. Consequently, our most significant form of market risk is interest rate risk. Our assets, consisting primarily of mortgage-related securities and loans, generally have longer maturities than our liabilities, which consist primarily of deposits and wholesale borrowings. As a result, a principal part of our business strategy involves managing interest rate risk and limiting the exposure of our net interest income to changes in market interest rates. Accordingly, our Board of Directors has established a Management Asset-Liability Committee, comprised of our SVP & Chief Investment Officer and Treasurer, who chairs this Committee, our President and Chief Executive Officer, our EVP & Chief Administrative Officer, EVP & Chief Financial Officer, EVP & Chief Lending Officer, EVP Operations, EVP Branch Administration and Business Development, SVP and Chief Risk Officer, and SVP & Director of Marketing, and other officers and staff as necessary or appropriate. This committee is responsible for, among other things, evaluating the interest rate risk inherent in our assets and liabilities, for recommending to the risk management committee of our Board of Directors the level of risk that is appropriate given our business strategy, operating environment, capital, liquidity and performance objectives, and for managing this risk consistent with the guidelines approved by the Board of Directors.
 
        We seek to manage our interest rate risk in order to minimize the exposure of our earnings and capital to changes in interest rates. As part of our ongoing asset-liability management, we currently use the following strategies to manage our interest rate risk:

•originating multifamily loans and commercial real estate loans that generally have shorter maturities than one-to-four family residential real estate loans and have higher interest rates that generally reset from five to ten years;
•investing in investment grade corporate securities and mortgage-backed securities; and
•obtaining general financing through lower-cost core deposits, brokered deposits, and longer-term FHLB advances and repurchase agreements.
Shortening the average term of our interest-earning assets by increasing our investments in shorter-term assets, as well as originating loans with variable interest rates, helps to match the maturities and interest rates of our assets and liabilities better, thereby reducing the exposure of our net interest income to changes in market interest rates.
 
        Net Portfolio Value Analysis. We compute amounts by which the net present value of our assets and liabilities (net portfolio value or NPV) would change in the event market interest rates changed over an assumed range of rates. Our simulation model uses a discounted cash flow analysis to measure the interest rate sensitivity of NPV. Depending on current market interest rates, we estimate the economic value of these assets and liabilities under the assumption that interest rates experience an instantaneous and sustained increase of 100, 200, 300, or 400 basis points, or a decrease of 100 and 200 basis points, which is based on the current interest rate environment. A basis point equals one-hundredth of one percent, and 100 basis points equals one percent. An increase in interest rates from 3% to 4% would mean, for example, a 100 basis point increase in the “Change in Interest Rates” column below. 
 
        Net Interest Income Analysis.  In addition to NPV calculations, we analyze our sensitivity to changes in interest rates through our net interest income model. Net interest income is the difference between the interest income we earn on our interest-earning assets, such as loans and securities, and the interest we pay on our interest-bearing liabilities, such as deposits and borrowings. In our model, we estimate what our net interest income would be for a twelve-month period. Depending on current market interest rates we then calculate what the net interest income would be for the same period under the assumption that interest rates experience an instantaneous and sustained increase or decrease of 100, 200, 300, or 400 basis points, or a decrease of 100 and 200 basis points, which is based on the current interest rate environment.

        The following tables set forth, as of June 30, 2020, and December 31, 2019, our calculation of the estimated changes in our NPV, NPV ratio, and percent change in net interest income that would result from the designated instantaneous and sustained changes in interest rates (dollars in thousands). Computations of prospective effects of hypothetical interest rate changes are based on numerous assumptions, including relative levels of market interest rates, loan prepayments and deposit repricing characteristics including decay rates, and correlations to movements in interest rates, and should not be relied on as indicative of actual results.
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 NPV at June 30, 2020
Change in Interest Rates (basis points)Estimated Present Value of AssetsEstimated Present Value of LiabilitiesEstimated NPVEstimated Change In NPVEstimated Change in NPV %Estimated NPV/Present Value of Assets RatioNext 12 Months Net Interest Income Percent ChangeMonths 13-24 Net Interest Income Percent Change
+400$4,613,813  $3,944,297  $669,516  $(99,668) (12.96)%14.51 %(7.04)%8.69 %
+3004,710,327  4,025,711  684,616  (84,568) (10.99) 14.53  (4.98) 6.85  
+2004,820,023  4,110,676  709,347  (59,837) (7.78) 14.72  (2.82) 5.48  
+1004,935,224  4,199,840  735,384  (33,800) (4.39) 14.90  (1.16) 3.40  
—5,063,012  4,293,828  769,184  —  —  15.19  —  —  
(100)5,220,920  4,376,593  844,327  75,143  9.77  16.17  (0.66) (5.02) 
(200)5,393,595  4,379,207  1,014,388  245,204  31.88  18.81  (0.43) (5.05) 
  
 NPV at December 31, 2019
Change in Interest Rates (basis points)Estimated Present Value of AssetsEstimated Present Value of LiabilitiesEstimated NPVEstimated Change In NPVEstimated Change in NPV %Estimated NPV/Present Value of Assets RatioNext 12 Months Net Interest Income Percent ChangeMonths 13-24 Net Interest Income Percent Change
+400$4,692,640  $3,974,209  $718,431  $(156,728) (17.91)%15.31 %(17.51)%(3.90)%
+3004,797,256  4,039,976  757,280  (117,879) (13.47) 15.79  (12.79) (2.47) 
+2004,907,606  4,108,235  799,371  (75,788) (8.66) 16.29  (7.99) (0.70) 
+1005,018,245  4,179,543  838,702  (36,457) (4.17) 16.71  (3.71) 0.42  
—5,129,680  4,254,521  875,159  —  —  17.06  —  —  
(100)5,249,067  4,339,402  909,665  34,506  3.94  17.33  0.36  (3.15) 
(200)5,414,518  4,422,975  991,543  116,384  13.30  18.31  0.63  (4.18) 
        At June 30, 2020, in the event of a 200 basis point decrease in interest rates, we would experience a 31.88% increase in estimated net portfolio value and a 0.43% decrease in net interest income in year one and a 5.05% decrease in net interest income in year two. In the event of a 400 basis point increase in interest rates, we would experience a 12.96% decrease in estimated net portfolio value and a 7.04% decrease in net interest income in year one and an 8.69% increase in net interest income in year two. Our policies provide that, in the event of a 200 basis point decrease or less in interest rates, our net present value ratio should decrease by no more than 300 basis points and 10%, and in the event of a 400 basis point increase or less, our net present value should decrease by no more than 475 basis points and 35%. In the event of a 200 basis point decrease or less, our projected net interest income should decrease by no more than 10% in year one and 25% in year two, and in the event of a 400 basis point increase or less, our projected net interest income should decrease by no more than 30% in year one and 20% in year two. However, when the federal funds rate is low and negative rate shocks do not produce meaningful results, management may temporarily suspend use of guidelines for negative interest rate shocks. At June 30, 2020 and December 31, 2019, we were in compliance with all Board-approved policies with respect to interest rate risk management.
        Certain shortcomings are inherent in the methodologies used in determining interest rate risk through changes in net portfolio value and net interest income. Our model requires us to make certain assumptions that may or may not reflect the manner in which actual yields and costs respond to changes in market interest rates. However, we also apply consistent parallel yield curve shifts (in both directions) to determine possible changes in net interest income if the theoretical yield curve shifts occurred gradually. Net interest income analysis also adjusts the asset and liability repricing analysis based on changes in prepayment rates resulting from the parallel yield curve shifts. In addition, the net portfolio value and net interest income information presented assume that the composition of our interest-sensitive assets and liabilities existing at the beginning of a period remains constant over the period being measured and assume that a particular change in interest rates is reflected uniformly across the yield curve regardless of the duration or repricing of specific assets and liabilities. Accordingly, although interest rate risk calculations provide an indication of our interest rate risk exposure at a particular point in time, such measurements are not intended to and do not provide a precise forecast of the effect of changes in market interest rates on our net portfolio value or net interest income and will differ from actual results.
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ITEM 4. CONTROLS AND PROCEDURES 
An evaluation was performed under the supervision and with the participation of the Company’s management, including the President and Chief Executive Officer and the Chief Financial Officer, of the effectiveness of the design and operation of the Company’s disclosure controls and procedures (as defined in Rule 13a-15(e) and 15d-15(e) promulgated under the Securities Exchange Act of 1934, as amended) as of June 30, 2020. Based on that evaluation, the Company’s management, including the President and Chief Executive Officer and the Chief Financial Officer, concluded that the Company’s disclosure controls and procedures were effective.
 
During the three months ended June 30, 2020, there were no changes in the Company’s internal control over financial reporting that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.
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PART II

ITEM 1.     LEGAL PROCEEDINGS
        The Company and subsidiaries are subject to various legal actions arising in the normal course of business.  In the opinion of management, the resolution of these legal actions is not expected to have a material adverse effect on the Company’s consolidated financial condition or results of operations.

ITEM 1A.  RISK FACTORS
        During the quarter ended June 30, 2020, there have been no material changes to the risk factors as previously disclosed in our Annual Report on Form 10-K for the fiscal year ended December 31, 2019, and in our quarterly report on Form 10-Q for the quarter ended March 31, 2020, each as filed with the Securities and Exchange Commission, except as previously disclosed in our other filings with the Securities and Exchange Commission.

ITEM 2.     UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS
(a)Unregistered Sale of Equity Securities. There were no sales of unregistered securities during the period covered by this report.
(b)Use of Proceeds. Not applicable.
(c)Repurchases of Our Equity Securities.  

        The Company did not repurchase any of its common stock during the three months or six months ended June 30, 2020. The previously adopted repurchase program permitted $37.2 million of shares of common stock to be repurchased in open market or private transactions, through block trades, and pursuant to any trading plan that may be adopted in accordance with Rule 10b5-1 of the Securities and Exchange Commission. The timing of the repurchases will depend on certain factors, including but not limited to, market conditions and prices, the Company’s liquidity and capital requirements, and alternative uses of capital. Any repurchased shares will be held as treasury stock and will be available for general corporate purposes. The repurchases may be suspended, terminated or modified at any time for any reason, including market conditions, the cost of repurchasing shares, the availability of alternative investment opportunities, liquidity, and other factors deemed appropriate. On April 29, 2020, the Company temporarily suspended its share repurchase program in light of the COVID-19 pandemic and surrounding events. At June 30, 2020, approximately $21.5 million of shares may be repurchased under the repurchase program.

ITEM 3.     DEFAULTS UPON SENIOR SECURITIES
        None

ITEM 4.     MINE SAFETY DISCLOSURES
        Not applicable

ITEM 5.     OTHER INFORMATION
        None

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Table of Contents
ITEM 6.      EXHIBITS
        The following exhibits required by Item 601 of Regulation S-K are included with this Quarterly Report on Form 10-Q.
Exhibit NumberDescription
Certification of Steven M. Klein, President and Chief Executive Officer, Pursuant to Rule 13a-14(a) and Rule 15d-14(a)
Certification of William R. Jacobs, Chief Financial Officer, Pursuant to Rule 13a-14(a) and Rule 15d-14(a)
Certification of Steven M. Klein, President and Chief Executive Officer, and William R. Jacobs, Chief Financial Officer, Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
101.INSXBRL (Extensible Business Reporting Language) Instance Document - the instance document does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document.
101.SCHInline XBRL Taxonomy Extension Schema Document.
101.CALInline XBRL Taxonomy Extension Calculation Linkbase Document.
101.DEFInline XBRL Taxonomy Extension Definition Linkbase Document.
101.LABInline XBRL Taxonomy Extension Label Linkbase Document.
101.PREInline XBRL Taxonomy Extension Presentation Linkbase Document.
104Cover page information from the Company's Quarterly Report on Form 10-Q filed August 10, 2020, formatted in Inline XBRL
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SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.
 
 
NORTHFIELD BANCORP, INC.
(Registrant)
 
 
Date: August 10, 2020
/s/   Steven M. Klein
Steven M. Klein
President and Chief Executive Officer
 
/s/   William R. Jacobs
William R. Jacobs
Executive Vice President and Chief Financial Officer
(Principal Financial and Accounting Officer)
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