Suffolk County National Bank

Suffolk County National Bank is headquartered in Riverhead and is the 35^th largest bank in the state of New York. It is also the 450^th largest bank in the nation. It was established in 1890 and as of March of 2012, it had grown to 374 employees at 30 locations. Suffolk County National Bank has a 2-star health rating.

Data for Q1 2012

Institution Statistics The Suffolk County National Bank of Riverhead FDIC Certificate # 7278 BankRate Report View Year Established 1890 Employees 374 Primary Regulator OCC Assets and Liabilities Assets $1.48 billion Loans $899.73 million Deposits $1.31 billion Equity Capital $135.47 million Loan Loss Allowance $40.01 million Unbacked Noncurrent Loans $83.15 million Real Estate Owned $1.80 million Historic Data - March 2011 Assets $1.61 billion Equity Capital $130.02 million Loan Loss Allowance $47.54 million Unbacked Noncurrent Loans $47.91 million Real Estate Owned $3.26 million Profit Margin - Quarterly Net Interest Margin 4.16% Return on Assets 0.37% Return on Equity 4% Interest Income $15.24 million

Institution Health Overall Score: 2 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Suffolk County National Bank had $84.95 million in non-current loans and owned real-estate with $175.48 million in equity and loan loss allowances on hand to cover it. This gives Suffolk County National Bank a Texas Ratio of 48.41% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Suffolk County National Bank increased slightly from 29.06% as of March 31, 2011 to 48.41% as of March 31, 2012, resulting in a negative change of 66.59%. This indicates that the balance sheet and financial strength for Suffolk County National Bank has declined slightly in recent periods. Deposit Growth In the past year, Suffolk County National Bank has decreased its total deposits by -$106.24 million, resulting in -7.49% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Suffolk County National Bank has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Suffolk County National Bank has $1.48 billion in assets with $175.48 million in equity, resulting in a capitalization level of 11.84%, which is above average.

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