History
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.
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Strength
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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
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•
•
• 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
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’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
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300
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150
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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
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A
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In Millions of Dollars
’00
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The number one priority of our
Bank remains its
Strength. Strength
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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
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PERSONAL
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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.
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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