Bridgehampton National Bank

Bridgehampton National Bank is headquartered in Bridgehampton and is the 39^th largest bank in the state of New York. It is also the 492^nd largest bank in the nation. It was established in 1909 and as of December of 2011, it had grown to 216 employees at 20 locations. Bridgehampton National Bank has a 5-star health rating.

Bridgehampton National Bank Routing Number: 021406667

Data for Q4 2011

Institution Statistics The Bridgehampton National Bank FDIC Certificate # 6976 BankRate Report View Year Established 1909 Employees 216 Primary Regulator OCC Assets and Liabilities Assets $1.33 billion Loans $603.61 million Deposits $1.20 billion Equity Capital $110.03 million Loan Loss Allowance $10.84 million Unbacked Noncurrent Loans $6.87 million Historic Data - December 2010 Assets $1.03 billion Equity Capital $79.12 million Loan Loss Allowance $8.50 million Unbacked Noncurrent Loans $6.73 million Profit Margin - Quarterly Net Interest Margin 3.94% Return on Assets 0.96% Return on Equity 12.37% Interest Income $50.43 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 Bridgehampton National Bank had $6.87 million in non-current loans and owned real-estate with $120.86 million in equity and loan loss allowances on hand to cover it. This gives Bridgehampton National Bank a Texas Ratio of 5.69% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bridgehampton National Bank decreased slightly from 7.68% as of December 31, 2010 to 5.69% as of December 31, 2011, resulting in a positive change of 25.93%.This indicates that the balance sheet and financial strength for Bridgehampton National Bank has improved slightly in recent periods. Deposit Growth In the past year, Bridgehampton National Bank has increased its total deposits by $280.84 million, resulting in 30.51% 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 Bridgehampton National Bank 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. Bridgehampton National Bank has $1.33 billion in assets with $120.86 million in equity, resulting in a capitalization level of 9.06%, which is average.

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