NFBK · As filed with the SEC

Northfield Bancorp cash flow statement, by quarter

The statement as Northfield Bancorp presents it in its 10-Q and 10-K: its own lines, labels and order. Tables over time lines up standardized figures across every filing.

Consolidated Statements of Cash Flows · USD thousands

USD thousands	Q1 2026 3 months ended Mar 31, 2026	Q4 2025^† 3 months ended Dec 31, 2025	Q3 2025^† 3 months ended Sep 30, 2025	Q2 2025^† 3 months ended Jun 30, 2025
Net income	11,843	(27,402)^†	10,751^†	9,571^†
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	247	1,665^†	1,069^†	2,086^†
ESOP and stock compensation expense	867	1,806^†	1,055^†	1,073^†
Depreciation	743	776^†	800^†	809^†
Amortization of premiums and deferred loan costs, net of accretion of discounts and deferred loan fees	791	354^†	1,162^†	1,155^†
Amortization of debt issuance costs	56	55^†	56^†	56^†
Amortization of intangible assets	0	12^†	11^†	12^†
Amortization of operating lease right-of-use assets	1,201	1,203^†	1,198^†	1,188^†
Income on bank-owned life insurance	(1,891)	(1,831)^†	(1,863)^†	(1,736)^†
Net gain on sale of loans held-for-sale	—	0^†	0^†	—
Proceeds from loans held-for-sale	—	0^†	0^†	—
Origination of loans held-for-sale	—	0^†	0^†	—
Losses on available-for-sale debt securities, net	2	0^†	0^†	0^†
Losses on trading securities, net	254	(181)^†	(804)^†	(1,008)^†
Net sales of trading securities	1,130	(66)^†	(112)^†	(41)^†
Decrease (increase) in accrued interest receivable	32	(707)^†	(170)^†	407^†
Decrease (increase) in other assets	6,836	2,523^†	(3,799)^†	2,107^†
Decrease in accrued expenses and other liabilities	(2,331)	(2,008)^†	4,567^†	(1,555)^†
Net cash provided by operating activities	19,780	16,227^†	13,921^†	14,124^†
Cash flows from investing activities:
Net decrease in loans receivable	46,996	46,770^†	22,899^†	92,562^†
Purchase of loans	—	(4,174)^†	(3,442)^†	—
Purchases of FHLB of New York stock	(10,322)	(14,083)^†	(15,161)^†	(23,202)^†
Redemptions of FHLB of New York stock	14,695	13,233^†	13,107^†	17,888^†
Purchases of debt securities available-for-sale	(147,662)	(261,887)^†	(125,925)^†	(171,191)^†
Purchases of equity securities	—	0^†	0^†	0^†
Proceeds from sale of equity securities	0	0^†	1,278^†	4,577^†
Principal payments and maturities on debt securities available-for-sale	177,893	182,487^†	99,311^†	121,516^†
Principal payments and maturities on debt securities held-to-maturity	61	57^†	57^†	440^†
Purchases and improvements of premises and equipment	(188)	(345)^†	(327)^†	(220)^†
Net cash provided by (used in) investing activities	81,473	(37,942)^†	(8,203)^†	24,138^†
Cash flows from financing activities:
Net increase (decrease) in deposits	72,808	42,049^†	(12,427)^†	(145,769)^†
Dividends paid	(5,281)	(5,208)^†	(5,261)^†	(5,296)^†
Purchase of treasury stock	(447)	(127)^†	0^†	(10,000)^†
Increase in advance payments by borrowers for taxes and insurance	5,354	(2,889)^†	(2,122)^†	(3,983)^†
Proceeds from borrowings and securities sold under agreements to repurchase	405,500	1,080,600^†	2,385,539^†	1,013,500^†
Repayments related to other borrowings and securities sold under agreements to repurchase	(503,531)	(1,060,484)^†	(2,337,359)^†	(890,739)^†
Net cash (used in) provided by financing activities	(25,597)	53,941^†	28,370^†	(42,287)^†
Net increase (decrease) in cash and cash equivalents	75,656	32,226^†	34,088^†	(4,025)^†
Cash and cash equivalents at beginning of period	163,951	131,725	97,637	101,662
Cash and cash equivalents at end of period	239,607	163,951	131,725	97,637
Supplemental cash flow information:
Cash paid during the period for:
Interest	26,181	27,108^†	28,264^†	28,380^†
Income taxes	133	—	5,950^†	3,731^†
Non-cash transactions:
Loan charge-offs, net	1,357	411^†	299^†	887^†
Transfers of loans held-for-sale at fair value to loans held-for-investment	—	0^†	—	—
Right-of-use assets obtained in exchange for new lease liabilities	0	2,033^†	0^†	0^†

† Derived: worked out from the filings, not stated in them. A fourth quarter is the 10-K year less the nine months in the third-quarter 10-Q; a quarter of cash flows is year to date less the prior year to date.

As filed on EDGAR · Not affiliated with the U.S. SEC · Not investment advice. Each column links to its filing.