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Indel BHistory Financial Strength Personal Service Employees 2004 ANNUAL REPORT The First of Long Island Corporation COMMERCIAL BANKING OFFICES FULL SERVICE OFFICES Branch Locations Commercial BANKING OFFICES Full Service OFFICES BOHEMIA DEER PARK FARMINGDALE ALLEN BOULEVARD NEW HIGHWAY GARDEN CITY GREAT NECK HAUPPAUGE HICKSVILLE LAKE SUCCESS MINEOLA NEW HYDE PARK VALLEY STREAM MANHATTAN 232 MADISON AVENUE 225 BROADWAY 1501 BROADWAY GLEN HEAD GREENVALE OLD BROOKVILLE ROCKVILLE CENTRE HUNTINGTON ROSLYN HEIGHTS LOCUST VALLEY WOODBURY NORTHPORT ...and more to come in 2005! Business OF THE CORPORATION The First of Long Island Corporation (“Corporation”) is a one-bank holding company organized under the laws of the State of New York. Its primary business is the operation of its sole subsidiary, The First National Bank of Long Island (“Bank”). The Bank was organized in 1927 under national banking laws and became the sole subsidiary of the Corporation under a plan of reorganization effected April 30, 1984. The Bank is a full service commercial bank which provides a broad range of financial services to individual, professional, corporate, institutional and government customers through its twenty-four branch system on Long Island and in Manhattan. The First of Long Island Agency, Inc. was organized in 1994 under the laws of the State of New York, as a subsidiary of the Bank to conduct business as a licensed insurance agency engaged in the sale of mutual funds and insurance, primarily fixed annuity products. The Bank is subject to regulation and supervision of the Federal Reserve Board, the Comptroller of the Currency, and the Federal Deposit Insurance Corporation which also insures its deposits. The Comptroller of the Currency is the primary banking agency responsible for regulating the subsidiary Bank. In addition, the Corporation is subject to the regulations and supervision of the Federal Reserve Board and the Securities and Exchange Commission. SELECTEDFinancial Data The following is selected consolidated financial data for the past five years. This data should be read in conjunction with the information contained under the caption “Management’s Discussion and Analysis of Financial Condition and Results of Operations” and the accompanying consolidated financial statements and related notes. INCOME STATEMENT DATA: Total Interest Income ............................................. Total Interest Expense ........................................... Net Interest Income ............................................... Provision for Loan Losses (Credit) ....................... Net Income .............................................................. PER SHARE DATA: Basic Earnings ........................................................ Diluted Earnings .................................................... Cash Dividends Declared ....................................... Stock Splits/Dividends Declared .......................... Book Value .............................................................. BALANCE SHEET DATA AT YEAR END: Total Assets ............................................................. Total Loans ............................................................. Allowance for Loan Losses .................................... Total Deposits ......................................................... Securities Sold Under Repurchase Agreements ... Stockholders’ Equity .............................................. AVERAGE BALANCE SHEET DATA: Total Assets ............................................................. Total Loans ............................................................. Allowance for Loan Losses .................................... Total Deposits ......................................................... Securities Sold Under Repurchase Agreements ... Stockholders’ Equity .............................................. FINANCIAL RATIOS: Return on Average Total Assets (ROA) ................ Return on Average Stockholders’ Equity (ROE) .. Average Equity to Average Assets ......................... 2004 2003 2002 2001 2000 $ 38,407,000 3,665,000 34,742,000 356,000 12,081,000 $ 36,968,000 3,878,000 33,090,000 457,000 11,365,000 $ 36,929,000 5,111,000 31,818,000 100,000 11,563,000 $ 37,989,000 9,451,000 28,538,000 100,000 10,094,000 $ 38,822,000 13,106,000 25,716,000 (75,000) 9,318,000 $2.96 2.90 .78 — $22.74 $2.78 2.72 .70 — $21.87 $2.77 2.73 .63 3-for-2 $20.53 $2.37 2.33 .54 — $17.84 $2.13 2.10 .48 — $16.33 $917,778,000 342,437,000 2,808,000 771,250,000 49,654,000 90,240,000 $914,264,000 321,971,000 2,452,000 777,155,000 41,184,000 89,291,000 $792,342,000 261,108,000 2,085,000 699,725,000 — 85,442,000 $684,081,000 226,688,000 2,020,000 604,870,000 — 74,746,000 $625,992,000 192,909,000 1,943,000 550,472,000 — 70,866,000 $935,278,000 336,587,000 2,655,000 799,458,000 38,682,000 92,248,000 $851,407,000 281,556,000 2,246,000 742,991,000 17,100,000 86,099,000 $753,703,000 242,773,000 2,101,000 668,322,000 — 80,516,000 $661,958,000 205,959,000 1,941,000 584,279,000 — 73,390,000 $600,326,000 186,451,000 1,961,000 530,850,000 — 66,711,000 1.29% 13.10% 9.86% 1.33% 13.20% 10.11% 1.53% 14.36% 10.68% 1.52% 13.75% 11.09% 1.55% 13.97% 11.11% STOCKPrices The Corporation’s Common Stock trades on The Nasdaq SmallCap Market tier of The Nasdaq Stock Market under the symbol FLIC. The following table sets forth high and low sales prices for the years ended December 31, 2004 and 2003. Quarter 2004 High First ........................................................................................................... Second ....................................................................................................... Third .......................................................................................................... Fourth ........................................................................................................ $51.00 51.50 47.44 50.82 Low $43.58 39.93 41.03 41.59 2003 High $36.40 40.06 45.49 46.78 Low $32.65 31.60 36.55 38.34 At December 31, 2004, there were 674 stockholders of record of the Corporation’s Common Stock. The number of stockholders of record includes banks and brokers who act as nominees, each of whom may represent more than one stockholder. DEAR Shareholders As we enter our 79th year as a full-service commercial bank, The First National Bank of Long Island continues to remain a financially strong community bank “Where Everyone Knows Your Name.” It is my pleasure to share with you this year’s Annual Report, which discusses the growth we experienced in 2004 and how we plan to continue increasing shareholder value in 2005. 2/ 3 The Bank’s history is built upon a foundation of financial strength. With $917.8 million in assets, we are preparing to reach a new historical milestone as we approach the one billion dollar mark. Our recognition as one of the highest benchmark rated banks by Weiss Ratings, a leading independent provider of ratings and analysis of elite financial services companies, positions us as an excellent Bank in terms of capital adequacy, asset quality, profitability, liquidity and stability. We are also on their Recommended List of Companies, an elite group of 1,947 banks and thrifts representing the top 21.4% of the industry. Our doors first opened in 1927 as The First National Bank of Glen Head, and since then we have grown financially strong by taking a long-term shareholder value approach. The hallmark of our success is satisfying and exceeding the needs and expectations of our customers. Whether it’s a new product introduction or a new branch opening, we take the time to listen and accommodate our customers’ needs. That’s how we continue to grow profitably. With twenty-four branches located in the Long Island and Manhattan communities, we continue to offer personal and commercial banking products to privately owned businesses, professionals and service conscious consumers. Our plans for 2005 include building upon our history by exploring opportunities to expand our branch system within the communities we serve. In addition, in March, the Bank opened a new Suffolk County Regional Office in Hauppauge, New York. This office, headed by Senior Vice President Jim Johnis, handles our Commercial Banking and Lending Programs for prospects and existing commercial customers within that geography. Our approach to get closer to our customers is so distinctly different from the approach many of the money center banks are taking, which is to centralize, and in many cases, move their servicing infrastructures out of our communities. In the communities we serve, our Bank will remain consistent with our historical approach, continue to be strategic in planning our branch expansion and focus upon fulfilling the financial needs of our neighborhood customers. qwertyuiop asdfghjkl zxcvbnm,.’’;???”:}} Strength qwertyuiop asdfghjkl zxcvbnm,.’’;???”:}} Our success continues to the be measured by generations of customers who have grown with us over the years. E P S $3.00 2.50 2.00 To succeed in this competitive and challenging business environment, our corporate achievements in 2004 were results-focused. Our 2004 story includes the following: • Our net income was a record $12,081,000; a 6.3% increase over 2003. • Earnings per share were $2.90 in 2004 as compared to $2.72 in 2003. • For the twenty-sixth consecutive year, we are pleased to have been able to increase our dividend. Total dividends declared in 2004 amounted to 78 cents per share, an increase of 11% over the 70 cents declared in 2003. Excluding special credits. ’01 ’02 ’03 ’04 1.00 1.50 .50 ’96 ’95 ’97 ’98 ’00 ’99 0 4/ 5 • • • As of December 31, 2004, total assets were $917,778,000. Our Return on Average Assets was 1.29%, and our Return • on Equity was 13.10%. The average yearly balance of Residential Mortgage Loans, including Home Equity Lines, increased by $42.6 million or 30%. The average yearly balance of checking deposits increased by $27 million or 10%. We built Lock Box and Account Reconciliation products to meet the needs of our growing family of commercial customers. We reached out to CPAs by becoming licensed to offer courses that qualify for continuing professional education credits. Our Commercial Marketing department offered CPE Seminars throughout the year to more than seventy-five CPAs. • • We were pleased with our Bank’s 2004 performance and results. The Bank’s greatest strength continues to be our relationship with our customers. At The First National Bank of Long Island, we are known for the convenience, commitment and personal service provided to every customer who walks through our doors. Our branches provide a friendly atmosphere where experienced banking representatives treat customers with respect and professionalism. No customer is a stranger. Our business style is to get to know our customers and understand their personal and business banking needs. $.80 .70 .60 .50 .40 .30 .20 .10 0 $3.00 2.50 $300 2.00 250 1.50 200 1.00 150 .50 100 0 50 0 E P S A C B In Millions of Dollars ’95 ’96 ’97 ’98 ’99 ’00 ’01 ’02 ’03 ’04 Excluding special credits. ’02 ’97 ’99 ’00 ’01 ’98 ’03 In addition to announcing a new branding campaign in 2004 as the Bank “Where Everyone Knows Your Name,” we extended our branch hours at our full-service branches to create more accessibility for our customer base. Again, the convenience of our customers is always a top priority. C D D P S $.80 R A A C D D P S ’95 ’96 ’97 ’98 ’99 ’00 ’01 ’02 ’03 ’04 a79 a80 a81 a82 a83 a84 a85 a86 a87 a88 a89 a90 a91 a92 a93 a94 a95 a96 a97 a98 a99 a00 a01 a02 a03 a04 a79 a80 a81 a82 a83 a84 a85 a86 a87 a88 a89 a90 a91 a92 a93 a94 a95 a96 a97 a98 a99 a00 a01 a02 a03 a04 . . . . . . . . . . . . . . . . . . . . . . . . . . . . a97 a98 a99 a00 a01 a02 a03 a79 a80 a81 a82 a83 a84 a85 a86 a87 a88 a89 a90 a91 a92 a93 a94 a95 a96 a97 a98 a99 a00 a01 a02 a03 a04 a79 a80 a81 a82 a83 a84 a85 a86 a87 a88 a89 a90 a91 a92 a93 a94 a95 a96 a97 a98 a99 a00 a01 a02 a03 a04 300 250 200 150 100 50 0 300 250 200 150 100 50 0 2.0 1.5 1.0 0.5 0.0 2.0 1.5 1.0 0.5 0.0 .70 .60 2.0% .50 .40 1.5 .30 .20 1.0 .10 0 .5 0 $300 250 200 150 100 50 0 2.0% 1.5 1.0 .5 0 ’95 ’96 ’97 ’98 ’99 ’00 ’01 ’02 ’03 ’04 A C B In Millions of Dollars ’00 ’01 ’02 ’03 ’04 a00 a01 a02 a03 a04 ’97 ’98 ’99 ’00 ’01 ’02 ’03 a97 a98 a99 a00 a01 a02 a03 R A A ’00 ’01 ’02 ’03 ’04 a00 a01 a02 a03 a04 The number one priority of our Bank remains its Strength. Strength qwertyuiop asdfghjkl Financial zxcvbnm,.’’;???”:}} qwertyuiop asdfghjkl zxcvbnm,.’’;???”:}} FINANCIAL We’ve received positive feedback from the customer surveys that were distributed in all our branches. To give you an idea of how satisfied our customers are with the personal service that is provided, here are a few comments I would like to share with you. “The feeling of a banking family is always there…” “I’m treated as if I were a multimillion dollar customer. Your service is above all the rest…” “My mother and I have been using The First National Bank of Long Island since 1958…the service in Glen Head and Northport is excellent…” Superior personal service is a priority for every banking representative at our Bank and we plan to continue putting the customer first. Strength The individuals who put our customers first are our employees. Every employee in our Bank makes a difference. Our corporate achievements towards building the Bank’s growth are attributed to the valuable contributions made by our employees and their years of dedicated service. In fact, our research indicates that more than 48% of our employees have contributed 5 or more years of service, 13% of employees have contributed 15 or more and 7% have been employees of the Bank for 20 years or more. As a Bank that is committed towards delivering customer solutions, we will continue to offer employees a variety of training programs to ensure excellence in quality service. We feel investing in our employees is a priority. In 2004, several employees from our Commercial Banking, Marketing and Residential Mortgages Departments qwertyuiop asdfghjkl zxcvbnm,.’’;???”:}} 6/ 7 qwertyuiop asdfghjkl zxcvbnm,.’’;???”:}} PERSONAL qwertyuiop asdfghjkl zxcvbnm,.’’;???”:}} Strength played an important role in Community Reinvestment activities. In more than 10 different communities within Nassau and Suffolk counties, the Bank sponsored a series of thirty-four free seminars to community residents and high school students on various banking topics such as The Path to Home Ownership, Financial Literacy and How to Obtain Bank Financing for Small Businesses. We are also actively involved with the Smithtown High School Industry Advisory Board working closely with educators and students. During the holiday season, we participated in the Annual Toys for Tots Program, collecting toys for children in our full service branches, and took pride in providing care for children in need at St. Christopher-Ottilie in Glen Cove, N.Y., one of the largest not-for-profit child and family services agencies in New York State. We look forward to increasing our employee efforts with community activities in 2005 that support our brand image as the Bank “Where Everyone Knows Your Name.” As always, we sincerely thank our shareholders, customers, employees and friends for their loyal support to The First National Bank of Long Island. It is an honor to be the President and CEO for an organization such as ours and we look forward to delivering another rewarding year to you, our shareholders, in 2005. qwertyuiop asdfghjkl zxcvbnm,.’’;???”:}} Michael N. Vittorio President & Chief Executive Officer Board of Directors The First of Long Island Corporation J. William Johnson CHAIRMAN Michael N. Vittorio PRESIDENT & CHIEF EXECUTIVE OFFICER Allen E. Busching PRINCIPAL B&B Capital (consulting and private investment) Paul T. Canarick PRESIDENT AND PRINCIPAL Paul Todd, Inc. (construction company) Alexander L. Cover (business consultant) Beverly Ann Gehlmeyer TAX MANAGER AND PRINCIPAL Gehlmeyer & Gehlmeyer, P.C. (certified public accounting firm) back row, left to right: Allen E. Busching, Paul T. Canarick, Howard Thomas Hogan Jr., J. William Johnson, Michael N. Vittorio, Alexander L. Cover, John R. Miller III front row, left to right: J. Douglas Maxwell, Jr., Walter C. Teagle III, Beverly Ann Gehlmeyer Howard Thomas Hogan Jr., Esq. Hogan & Hogan (attorney, private practice) J. Douglas Maxwell, Jr. CHIEF FINANCIAL OFFICER NIRx Medical Technologies LLC (medical technology) John R. Miller III CHAIRMAN & CEO Equal Opportunity Publications, Inc. (publishing) Walter C. Teagle III PRESIDENT Teagle Management, Inc. (private investment consulting firm) Officers The First of Long Island Corporation J. William Johnson CHAIRMAN Michael N. Vittorio PRESIDENT & CHIEF EXECUTIVE OFFICER Arthur J. Lupinacci, Jr. EXECUTIVE VICE PRESIDENT & CHIEF ADMINISTRATIVE OFFICER Mark D. Curtis SENIOR VICE PRESIDENT & TREASURER Brian J. Keeney SENIOR VICE PRESIDENT Richard Kick SENIOR VICE PRESIDENT Donald L. Manfredonia SENIOR VICE PRESIDENT Joseph G. Perri SENIOR VICE PRESIDENT & SECRETARY Wayne B. Drake ASSISTANT TREASURER left to right: Brian J. Keeney, Donald L. Manfredonia, Joseph G. Perri, Michael N. Vittorio, Arthur J. Lupinacci, Jr., Mark D. Curtis, Richard Kick Executive Officers The First National Bank of Long Island Michael N. Vittorio PRESIDENT & CHIEF EXECUTIVE OFFICER Arthur J. Lupinacci, Jr. EXECUTIVE VICE PRESIDENT & CHIEF ADMINISTRATIVE OFFICER Mark D. Curtis EXECUTIVE VICE PRESIDENT CHIEF FINANCIAL OFFICER & CASHIER Brian J. Keeney EXECUTIVE VICE PRESIDENT EXECUTIVE TRUST OFFICER Richard Kick EXECUTIVE VICE PRESIDENT SENIOR OPERATIONS & SENIOR RETAIL LOAN OFFICER Donald L. Manfredonia EXECUTIVE VICE PRESIDENT SENIOR LENDING OFFICER Joseph G. Perri EXECUTIVE VICE PRESIDENT SENIOR COMMERCIAL MARKETING OFFICER OFFICIAL STAFF ADMINISTRATION J. William Johnson Chairman Michael N. Vittorio President & Chief Executive Officer Arthur J. Lupinacci, Jr. Executive Vice President Donna A. Blacharski Executive Assistant Lorraine Fogarty Executive Assistant Constance Miller Executive Assistant AUDITING Kitty W. Craig Vice President Margaret M. DeBonis Assistant Vice President Neil Dastas Assistant Manager Angela Flammio Administrative Assistant BRANCH ADMINISTRATION James Clavell Vice President Monica T. Baker Assistant Vice President Leonora A. Mintz Assistant Cashier Anna P. Beis Assistant Manager Patrice Goncalves Assistant Manager Augustus W. Imor Assistant Manager Sabrina Mallay Assistant Manager Patricia L. Scrudato Assistant Manager Patricia A. Ovalle Wood Assistant Manager James V. McGlynn Administrative Assistant COMMERCIAL LENDING Donald L. Manfredonia Executive Vice President Paul J. Daley Senior Vice President Albert Arena Vice President Sean L. O’Connor Vice President John J. Reilly Vice President William W. Riley Vice President Gretchen B. Nesky Assistant Vice President Maureen Cannarsa Assistant Manager COMMERCIAL MARKETING Joseph G. Perri Executive Vice President James P. Johnis Senior Vice President John L. Attanasio Vice President Deborah A. Cassidy Vice President Margaret M. Curran Vice President Stephen Durso Vice President Albert T. Ghelarducci Vice President Edward V. Mirabella Vice President Jane F. Reed Vice President John P. Solensky Vice President Diane M. Mucci Assistant Manager Patricia Miller Administrative Assistant COMPLIANCE AND PROCEDURES Sara R. Melamed Assistant Manager Evan Lieberman Administrative Assistant DATA CENTER Jose Diaz Vice President Kristen M. Mucci Administrative Assistant Linda Sue Rudloff Administrative Assistant DEPOSIT OPERATIONS Carmela Lalonde Assistant Manager Donna M. Long Assistant Manager Linda G. Bannen Administrative Assistant FINANCE Mark D. Curtis Executive Vice President Wayne B. Drake Vice President Howard F. Hoeberlein Vice President Matthew J. Mankowski Assistant Vice President Cheryl A. Romanski Assistant Cashier Catherine E. Irvin Assistant Manager Diane M. Pascucci Administrative Assistant GENERAL SERVICES Daniel Sapanara General Services Officer HUMAN RESOURCES Debbie L. Ryan Vice President Takako Endo Assistant Vice President Susan J. Hempton Assistant Vice President Rita E. Quinn Assistant Manager INFORMATION TECHNOLOGY SERVICES Conrad Lissade Computer Services Manager John R. Marshall Administrative Assistant LOAN CENTER Robert B. Jacobs Vice President John F. Darcy Senior Mortgage Consultant Carmine D’Ambrosio Mortgage Originator Marco A. Leon Mortgage Originator Eveline Q. Ratte Assistant Manager Anna S. Fleming Administrative Assistant Veronica T. Gajkowski Administrative Assistant Andrea R. Hill Administrative Assistant Barbara A. Johnson Administrative Assistant Patricia Lacorazza Administrative Assistant MARKETING Laura C. Ierulli Vice President OPERATIONS ADMINISTRATION Richard Kick Executive Vice President Betsy Gustafson Vice President COUNSEL Schupbach, Williams & Pavone LLP INDEPENDENT AUDITORS Crowe Chizek and Company LLC EXECUTIVE OFFICE ANNUAL MEETING NOTICE The First of Long Island Corporation 10 Glen Head Road Glen Head, New York 11545 (516) 671-4900 www.fnbli.com The Annual Meeting of Stockholders will be held at the Swan Club, Glenwood Road & Scudders Lane, Roslyn Harbor, New York, 11547 on Tuesday, April 19, 2005 at 3:30 P.M. FORM 10-K REPORT A copy of the Corporation’s annual report on Form 10-K for 2004, filed with the Securities and Exchange Commission, may be obtained without charge upon written request to Mark D. Curtis, Senior Vice President and Treasurer, The First of Long Island Corporation, 10 Glen Head Road, PO Box 67, Glen Head, New York 11545-0067. TRANSFER AGENT AND REGISTRAR Registrar and Transfer Company 10 Commerce Drive Cranford, New Jersey 07016-3572 (800) 368-5948 www.rtco.com 52 T H E F I R S T O F L O N G I S L A N D C O R P O R A T I O N 2 0 0 4 A N N U A L R E P O R T 5 0 BUSINESS ADVISORY BOARD Howard P. Annenberg President & CEO Shannen Promotions, Inc. Nicola Arena President & CEO Mediterranean Shipping Co. (USA) Inc. Richard Arote President Air Distribution Enterprises, Inc. Beverly J. Bell, Esq. Humes & Wagner, LLP Robert J. Bogardt, CPA Bogardt & Company, LLP Thomas Burke Chief Executive Officer Ophthalmic Consultants of Long Island Christopher S. Byczek, Esq. Partner Cronin & Byczek, LLP Emil V. Cianciulli, Esq. Partner Cianciulli, Meng & Panos, P.C. Philip M. Damashek, Esq. Schneider, Kleinick, Weitz & Damashek Thomas N. Dufek, CPA Dufek & Associates William L. Edwards Real Estate Investor C. J. Erickson, Esq. Partner Cowan, Liebowitz & Latman, P.C. Bernard Esquenet Chief Executive Officer The Ruhof Corp. Robert Giambalvo, CPA President Giambalvo, Kilgannon & Giammarese, CPAs, PC Leonard Gleicher Partner Goldberg Bros. Realtors Stephen R. Greenwald President Metropolitan College of New York Herbert Haber, CPA Kevin J. Harding, Esq. Partner Harding and Harding Alan B. Katcher Chief Executive Officer Terry Alan Adv. Co., Inc. Herbert Kotler, Esq. Kenneth R. Latham Melvin F. Lazar, CPA Founder Lazar, Levine & Felix, LLP James J. Lynch, Esq. John I. Martinelli Principal/Partner Owen Petersen & Co., LLP Petersen Accounting Consulting, LLC Bruce McNaughton President Frank Melville Park Foundation Susan Hirschfeld Mohr President J. W. Hirschfeld Agency, Inc. Richard E. Nussbaum, CPA Managing Partner Nussbaum Yates & Wolpow, P.C. James Panos, Esq. Partner Cianciulli, Meng & Panos, P.C. Douglas Pierce President Pierce Country Day School & Camp Inc. Quentin Sammis Chairman Coldwell Banker Residential Brokerage Melvin Schreiber, CPA Moses & Schreiber, LLP Arthur C. Schupbach, Esq. Partner Schupbach, Williams & Pavone LLP Shaw Shahery President & CEO Convermat Corporation H. Craig Treiber Chairman/CEO The Treiber Insurance Group Sal J. Turano President Abstracts Incorporated Arthur Ventura President Badge Agency, Inc. George J. Walsh, Esq. Thompson Hine LLP Robert A. Wilkie, Esq. Wilkie & Wilkie Mark Wurzel President Calico Cottage, Inc. Photos not available: David Black, CPA; Zachary Levy, Esq.; Lawrence F. Steiner, President-Universal Unlimited, Inc. (516) 671-4900 www.fnbli.com (212) 566-1500 FULL SERVICE OFFICES NORTHPORT GLEN HEAD 10 GLEN HEAD ROAD GLEN HEAD, NY 11545 (516) 671-4900 John J. Mulder, Jr. Vice President and Branch Manager Elaine Ballinger Assistant Vice President GREENVALE 7 GLEN COVE ROAD GREENVALE, NY 11548 (516) 621-8811 Philip R. Thompson Vice President and Branch Manager Daphne Johnson Assistant Manager HUNTINGTON 253 NEW YORK AVENUE HUNTINGTON, NY 11743 (631) 427-4143 Rick P. Perro Vice President and Branch Manager Jenny V. Malandruccolo Assistant Vice President Giuseppe Sparacino Administrative Assistant LOCUST VALLEY 108 FOREST AVENUE LOCUST VALLEY, NY 11560 (516) 671-2299 John T. Noonan Vice President and Branch Manager Mary Lou Martin Assistant Vice President Carol M. Luzynski Administrative Assistant 711 FORT SALONGA ROAD NORTHPORT, NY 11768 (631) 261-4000 Henry C. Suhr Vice President and Branch Manager Janet A. Kittle Assistant Manager OLD BROOKVILLE 209 GLEN HEAD ROAD OLD BROOKVILLE, NY 11545 (516) 759-9002 Frank M. Plesche Vice President and Branch Manager Vincent P. Bartilucci Assistant Manager Carol Daley Administrative Assistant ROCKVILLE CENTRE 310 MERRICK ROAD ROCKVILLE CENTRE, NY 11570 (516) 763-5533 Lucy Ortiz Vice President and Branch Manager Theresa A. Crawford Assistant Manager ROSLYN HEIGHTS 130 MINEOLA AVENUE ROSLYN HEIGHTS, NY 11577 (516) 621-1900 Frieda M. O’Mara Vice President and Branch Manager Susan M. Sciacca Assistant Vice President Lucile A. Pelliccione Administrative Assistant WOODBURY 800 WOODBURY ROAD, SUITE M WOODBURY, NY 11797 (516) 364-3434 George P. Knott Vice President and Branch Manager June E. Pipito Assistant Vice President COMMERCIAL BANKING OFFICES BOHEMIA 30 ORVILLE DRIVE BOHEMIA, NY 11716 (631) 218-2500 Robert F. Covino Vice President and Branch Manager DEER PARK 60 E. INDUSTRY COURT DEER PARK, NY 11729 (631) 243-2600 Albert M. Nordt, Jr. Vice President and Branch Manager FARMINGDALE 22 ALLEN BOULEVARD FARMINGDALE, NY 11735 (631) 753-8888 2091 NEW HIGHWAY FARMINGDALE, NY 11735 (631) 454-2022 Barbara A. Cavalier Vice President and Branch Manager GARDEN CITY 1050 FRANKLIN AVENUE GARDEN CITY, NY 11530 (516) 742-6262 Elizabeth A. Materia Vice President and Branch Manager GREAT NECK 536 NORTHERN BOULEVARD GREAT NECK, NY 11021 (516) 482-6666 Jane B. Manditch Vice President and Branch Manager Joanne M. Bosco Administrative Assistant HAUPPAUGE 330 MOTOR PARKWAY HAUPPAUGE, NY 11788 (631) 952-2900 JoAnn Diamond Assistant Vice President and Branch Manager HICKSVILLE 106 OLD COUNTRY ROAD HICKSVILLE, NY 11801 (516) 932-7150 Joyce C. Graber Vice President and Branch Manager LAKE SUCCESS 3000 MARCUS AVENUE LAKE SUCCESS, NY 11042 (516) 775-3133 Allison Stansfield Vice President and Branch Manager Susan M. Costabile Assistant Manager MINEOLA 194 FIRST STREET MINEOLA, NY 11501 (516) 742-1144 Herta Tscherne Vice President and Branch Manager Rosemary Kerrane Assistant Manager NEW HYDE PARK 200 JERICHO TURNPIKE NEW HYDE PARK, NY 11040 (516) 328-3100 Linda A. Cutter Vice President and Branch Manager Kathleen M. Martin Assistant Manager VALLEY STREAM 133 E. MERRICK ROAD VALLEY STREAM, NY 11580 (516) 825-0202 Susan Pickrodt Assistant Manager MANHATTAN 232 MADISON AVENUE NEW YORK, NY 10016 (212) 213-8111 Judith A. Ferdinand Vice President and Branch Manager 225 BROADWAY, SUITE 703 NEW YORK, NY 10007 (212) 693-1515 Gladys Ruggiero Assistant Vice President and Branch Manager 1501 BROADWAY, SUITE 301 NEW YORK, NY 10036 (212) 278-0707 Robert A. Oehler Vice President and Branch Manager INVESTMENT MANAGEMENT DIVISION 800 WOODBURY ROAD, SUITE M WOODBURY, NY 11797 (516) 364-3436 Brian J. Keeney Executive Vice President Francis V. Liantonio Vice President Alexander B. Young Vice President Sharon E. Pazienza Vice President Joanne Buckley Assistant Vice President Quyen T. Pham Operations Manager Dawn LoBraico Administrative Assistant
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