Bridge Bank, National Association

Bridge Bank, National Association is headquartered in San Jose and is the 46^th largest bank in the state of California. It is also the 560^th largest bank in the nation. It was established in 2001 and as of December of 2011, it had grown to 193 employees at 2 locations. Bridge Bank, National Association has a 5-star health rating.

Data for Q4 2011

Institution Statistics Bridge Bank, National Association FDIC Certificate # 57086 BankRate Report View Year Established 2001 Employees 193 Primary Regulator OCC Assets and Liabilities Assets $1.16 billion Loans $741.09 million Deposits $1.01 billion Equity Capital $125.72 million Loan Loss Allowance $17.17 million Unbacked Noncurrent Loans $11.34 million Real Estate Owned $657,000 Historic Data - December 2010 Assets $990.28 million Equity Capital $114.34 million Loan Loss Allowance $14.64 million Unbacked Noncurrent Loans $16.70 million Real Estate Owned $6.65 million Profit Margin - Quarterly Net Interest Margin 5.02% Return on Assets 0.84% Return on Equity 7.34% Interest Income $50.56 million

Institution Health Overall Score: 5 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 December 31, 2011 Bridge Bank, National Association had $11.99 million in non-current loans and owned real-estate with $142.89 million in equity and loan loss allowances on hand to cover it. This gives Bridge Bank, National Association a Texas Ratio of 8.39% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bridge Bank, National Association decreased significantly from 18.10% as of December 31, 2010 to 8.39% as of December 31, 2011, resulting in a positive change of 53.62%.This indicates that the balance sheet and financial strength for Bridge Bank, National Association has improved significantly in recent periods. Deposit Growth In the past year, Bridge Bank, National Association has increased its total deposits by $161.44 million, resulting in 18.92% 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 Bridge Bank, National Association has shown is excellent. 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. Bridge Bank, National Association has $1.16 billion in assets with $142.89 million in equity, resulting in a capitalization level of 12.35%, which is excellent.

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