Bridge Bancorp Inc.

Financial Highlights

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

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Balance Sheet ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	862,096	643,184	34.04	798,446	31.89
Loans Held for Sale, before Reserves	0	0	0.00	0	0.00
Loan Loss Reserve	14,924	11,316	31.88	14,439	13.44
Net Loans Receivable	847,172	631,868	34.07	784,007	32.23
Intangible Assets	2,267	2,332	(2.79)	2,283	(2.80)
Total Assets	1,576,637	1,386,338	13.73	1,624,713	(11.84)
Deposits	1,374,201	1,202,482	14.28	1,409,322	(9.97)
Debt, Senior and Subordinated	72,823	63,540	14.61	87,892	(68.58)
Common Equity	121,414	109,977	10.40	118,672	9.24
Total Shareholders' Equity	121,414	109,977	10.40	118,672	9.24
Shares Outstanding (actual)	8,973,788	8,473,196	5.91	8,907,890	2.96

Income Statement ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Net Interest Income	11,928	11,400	4.63	11,936	(0.27)
Provision for Loan Losses	550	825	(33.33)	1,075	(195.35)
Noninterest Income	1,766	1,681	5.06	2,217	(81.37)
Noninterest Expense	8,908	8,063	10.48	8,513	18.56
Net Income Before Taxes	4,574	4,307	6.20	5,033	(36.48)
Provision for Taxes	1,461	1,368	6.80	1,623	(39.93)
Net Income	3,113	2,939	5.92	3,410	(34.84)

Per Share Items ($)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Book Value per Share	13.53	12.98	4.24	13.32	6.24
Tangible Book Value	13.28	12.70	4.51	13.07	6.47
Diluted EPS Before Extra	0.35	0.35	0.00	0.39	(41.03)
Diluted EPS After Extra	0.35	0.35	0.00	0.39	(41.03)
Dividends Declared	0.0000	0.2300	NM	0.4600	NM

Performance Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
ROAA	0.80	0.88	(8)	0.86	(6)
ROAE	10.71	11.52	(81)	11.96	(125)
Net Interest Margin	3.29	3.70	(41)	3.24	5
Loans / Deposits	62.73	53.49	925	56.65	608
Efficiency Ratio	63.43	60.95	248	58.57	486

Balance Sheet Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	7.57	7.78	(21)	7.17	39
Equity/ Assets	7.70	7.93	(23)	7.30	40

Asset Quality Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Nonperforming Assets/ Assets	0.22	0.24	(2)	0.22	0
Loan Loss Reserves/ Gross Loans	1.73	1.76	(3)	1.81	(8)
Loan Loss Reserves/ NPAs	162.98	128.74	3,424	168.33	(535)
Net Charge-offs/ Avg Loans	0.03	0.22	(19)	0.36	(33)

Regulatory Capital Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tier 1 Capital Ratio	12.80	14.48	(168)	12.94	(14)

^† 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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Bridgehampton National Bank

2200 Montauk Highway
P.O Box 3005
Bridgehampton, NY 11932
631.537.1000

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