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Bridge Bancorp Inc.

Financial Highlights

Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,013,263798,44626.90933,23434.30
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve16,00114,43910.8215,48313.38
Net Loans Receivable997,262784,00727.20917,75134.65
Intangible Assets2,2242,283(2.58)2,238(2.50)
Total Assets1,896,7461,624,71316.741,701,55445.89
Deposits1,539,0791,409,3229.211,463,02420.79
Debt, Senior and Subordinated189,37287,892115.46108,317299.33
Common Equity159,460118,67234.37119,007135.97
Total Shareholders' Equity159,460118,67234.37119,007135.97
Shares Outstanding (actual)11,307,6078,907,89026.949,249,92588.98
Income Statement ($000)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Net Interest Income13,87611,93616.2513,04825.38
Provision for Loan Losses7001,075(34.88)500160.00
Noninterest Income2,2592,2171.892,08134.21
Noninterest Expense9,6528,51313.389,5554.06
Net Income Before Taxes5,6225,03311.704,74773.73
Provision for Taxes2,0171,62324.281,62496.80
Net Income3,6053,4105.723,12361.74
Per Share Items ($)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Book Value per Share14.1013.325.8512.8738.44
Tangible Book Value13.9113.076.4312.6240.61
Diluted EPS Before Extra0.320.39(17.95)0.34(23.53)
Diluted EPS After Extra0.320.39(17.95)0.34(23.53)
Dividends Declared0.23000.4600(50.00)0.23000.00
Performance Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
ROAA0.790.86(7)0.718
ROAE8.7211.96(324)9.86(114)
Net Interest Margin3.253.2413.214
Loans / Deposits65.8456.6591863.79205
Efficiency Ratio58.7158.571461.86(315)
Balance Sheet Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.307.171136.87143
Equity/ Assets8.417.301106.99141
Asset Quality Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.320.22100.257
Loan Loss Reserves/ Gross Loans1.581.81(23)1.66(8)
Loan Loss Reserves/ NPAs142.27168.33(2,606)166.86(2,459)
Net Charge-offs/ Avg Loans0.080.36(29)0.061
Regulatory Capital Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio15.1012.9421612.75235
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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