Bridge Bank, National Association in San Jose, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Bridge Bank, National Association in San Jose, California (CA)
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Bridge Bank, National Association - Overview

  • General
  • FDIC Certificate #: 57086
    Status: Active
    Federal Reserve ID: 3025406
    Bank Holding Company (Regulatory Top Holder): Scj, Inc. (RSSDID: 3811467, Location: Irvine, CA)
    Date Established: May 14, 2001
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 357065
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: May 14, 2001
    Last Structure Change Effective Date: October 13, 2009
    Last Structure Change Process Date: October 13, 2009
    Last Data Update: October 13, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 55 Almaden Blvd, San Jose, CA 95113
    County: Santa Clara
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: San Francisco
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): San Jose, CA (#7400)
    Consolidated Metropolitan Statistical Area (CMSA): San Francisco-Oakland-San Jose, CA (#84)
    Combined Statistical Area (CSA): San Jose-San Francisco-Oakland, CA (#488)
    Core Based Statistical Area (CBSA): San Jose-Sunnyvale-Santa Clara, CA (#41940)
    CBSA Metro Statistical Area: San Jose-Sunnyvale-Santa Clara, CA (#41940)
  • Financial Summary
  • Total assets: $1,157.0 mil
    Equity capital: $125.7 mil
    Deposits held in domestic offices: $1,014.7 mil
    Return on assets (ROA): 0.84% ($9.7 mil)
    Quarterly return on assets: 0.87% ($10.1 mil)
    Return on Equity (ROE): 7.34% ($9.2 mil)
    Quarterly return on equity: 7.85% ($9.9 mil)
    Net income: $8.8 mil
    Quarterly Net income: $2.4 mil
    Pretax return on assets: 1.45% ($16,777.0 mil)
    Quarterly Pretax return on assets: 1.55% ($17,934.1 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 193Total employees (full-time equivalent)
  • $1,157,037Total assets
  • $17,470Cash and due from depository institutions
  • $335Interest-bearing balances
  • $240,268Securities
  • $106,690Federal funds sold & reverse repurchase agreements
  • $741,091Net loans & leases
  • $17,167Loan loss allowance
  • $0Trading account assets
  • $2,337Bank premises and fixed assets
  • $657Other real estate owned
  • $606Goodwill and other intangibles
  • $1,157,038Life insurance assets
  • $47,918All other assets
  • $1,031,314Total liabilities and capital
  • $1,014,683Total liabilities
  • $354,647Total deposits
  • $1,014,683Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $16,631Subordinated debt
  • $125,724All other liabilities
  • $125,724Total equity capital
  • $125,724Total bank equity capital
  • $0Perpetual preferred stock
  • $22,245Common stock
  • $65,713Surplus
  • $37,766Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $54,537Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,335Income earned, not collected on loans
  • $0Earning assets
  • $3,286Long-term assets (5+ years)
  • $1,088,384Average Assets, year-to-date
  • $219,304Average Assets, quarterly
  • $1,048,130Volatile liabilities
  • $1,120,911Insider loans
  • $988,302FHLB advances
  • $1,086,340Loans and leases held for sale
  • $10,782Unused loan commitments
  • $10,782Tier 1 (core) risk-based capital
  • $121,296Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $410,642Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $50,564Total interest income
  • $1,187Total interest expense
  • $49,377Net interest income
  • $2,131Provision for loan and lease losses
  • $8,953Total noninterest income
  • $0Fiduciary activities
  • $2,876Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,077Additional noninterest income
  • $41,459Total noninterest expense
  • $24,207Salaries and employee benefits
  • $3,759Premises and equipment expense
  • $13,493Additional noninterest expense
  • $14,740Pre-tax net operating income
  • $438Securities gains (losses)
  • $6,350Applicable income taxes
  • $8,828Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,828Net income attributable to bank
  • $0Net charge-offs
  • $8,828Cash dividends
  • -$394Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.15%Yield on earning assets
  • 0.12%Cost of funding earning assets
  • 5.02%Net interest margin
  • 0.91%Noninterest income to earning assets
  • 4.22%Noninterest expense to earning assets
  • 0.82%Net operating income to assets
  • 0.84%Return on assets (ROA)
  • 1.45%Pretax return on assets
  • 7.34%Return on equity (ROE)
  • 7.34%Retained earnings to average equity (YTD only)
  • -0.06%Net charge-offs to loans
  • -540.86%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 70,665Assets per employee
  • 6.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.26%Loss allowance to noncurrent loans
  • 151.45%Noncurrent assets plus other real estate owned to assets
  • 1.04%Noncurrent loans to loans
  • 1.49%Net loans and leases to deposits
  • 73.04%Net loans and leases to core deposits
  • 74.97%Equity capital to assets
  • 10.87%Core capital (leverage) ratio
  • 11.17%Tier 1 risk-based capital ratio
  • 12.27%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $1,048,130Average earning assets
  • $120,235Average equity
  • $982,706Average loans

List of branches

  • 2 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0357065Bridge Bank, National Association55 Almaden Blvd, San Jose, CA 95113May 14, 2001Full Service Brick and Mortar
    1362972Palo Alto Branch525 University Avenue, Palo Alto, CA 94301January 28, 2002Full Service Brick and Mortar

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