SAN JOSE, CA, Jul 17, 2008 (MARKET WIRE via COMTEX) ----Bridge Capital Holdings (NASDAQ: BBNK), whose subsidiary is Bridge Bank, National Association, announced today its financial results for the second quarter ended June 30, 2008.

The Company reported net income of $1.6 million, or $0.23 per diluted share, for the three months ended June 30, 2008. This represented a decrease of $1.4 million, or 46%, compared to net income of $3.0 million, or $0.43 per diluted share, in the same period one year ago. Net income for the six months ended June 30, 2008 was $3.1 million, or $0.45 per diluted share, a decrease of $2.3 million, or 42%, compared to $5.4 million, or $0.78 per diluted share, for the first six months of 2007.

Second Quarter Highlights

 -- Net income of $1.6 million
   for the second quarter of 2008 represented a decrease of $1.4 million, or 46%, compared to $3.0 million for the second quarter
   of 2007 and compared to $1.5 million in the first quarter of 2008. -- Total assets as of June 30, 2008 exceeded $800.0 million
   for the first time, and were funded by core deposit growth. At June 30, 2008, demand deposits and core deposits continued
   to represent 32% and 87% of total deposits, respectively. -- Provision for credit losses of $1.2 million for the second quarter
   of 2008 represented a decrease of $1.2 million compared to $2.4 million for the first quarter of 2008 and an increase of $200,000
   compared to $1.0 million for the second quarter of 2007. -- Net interest margin for the second quarter of 2008 remained strong
   at 6.18% and compared with 6.59% for the first quarter of 2008 and 6.75% for the second quarter of 2007. -- Non-interest income
   of $1.7 million for the second quarter of 2008 remained consistent with non-interest income of $1.7 million for the first
   quarter of 2008 and decreased from $2.6 million for the second quarter of 2007. -- Return on average assets and return on
   average equity were 0.80% and 9.30%, respectively, for the second quarter of 2008. -- As of June 30, 2008, the Company continued
   to remain "well- capitalized" with a total risk-based capital ratio of 11.72% which represented an increase from 11.56% for
   the same period one year ago. 

"Our second quarter results were solid in light of the challenges facing our industry and reflect prudent and proactive recognition of specific exposures in our real estate portfolio," said Daniel P. Myers, President and Chief Executive Officer of Bridge Capital Holdings and Bridge Bank. "While we are not immune to current economic challenges, we are well positioned to weather this difficult period due to the strong relative economic health of our primary market in Silicon Valley, our core business banking franchise that is built upon a foundation of diversified lending, our stable core deposits and our strong capital position."

Net Interest Income and Margin

Net interest income of $11.7 million for the quarter ended June 30, 2008 represented a decrease of approximately $200,000, or 2%, from $11.9 million reported for the same quarter one year earlier. Average earning assets of $762.6 million increased $53.6 million, or 8%, compared to $708.9 million for the same quarter in 2007. The Company's loan-to-deposit ratio, a measure of leverage, averaged 97.54% during the quarter ended June 30, 2008, which represented an increase compared to an average of 87.28% for the same quarter of 2007. The increase was a result of faster loan growth relative to deposit funding.

For the six months ended June 30, 2008, net interest income of $23.8 million represented growth of $878,000, or 4%, over $22.9 million for the first six months of 2007. Average earning assets of $748.4 million increased $74.7 million, or 11%, compared to $673.7 million for the same period in 2007. The Company's loan-to-deposit ratio for the six months ended June 30, 2008 was 97.59%, which represented an increase compared to an average of 88.20% for the six months ended June 30, 2007 reflecting faster loan growth relative to deposit funding.

Changes in short-term interest rates also impact growth in net interest income as the interest rate earned on a majority of the Company's assets, specifically the loan portfolio, adjust with changes in short-term market rates. As such, the nature of the Company's balance sheet is that, over time as short-term interest rates change, income on interest earning assets has a greater impact on net interest income than interest paid on liabilities. The Company's prime rate averaged 5.08% and 5.65% in the quarter and six months ended June 30, 2008, respectively, compared to 8.25% and 8.25% in the same periods, respectively, one year earlier.

The Company's net interest margin for the quarter ended June 30, 2008 was 6.18% compared to 6.75% for the same period in 2007. The decline was primarily the result of lower short term interest rates, lower loan fee contribution and an increase in nonaccrual loans offset, in part, by income from interest rate swaps. During the quarter ended June 30, 2008, the net settlement from interest rate swaps contributed $602,000 to support net interest income compared to a loss of $106,000 for the quarter ended June 30, 2007.

The Company's net interest margin for the six months ended June 30, 2008 was 6.38% compared to 6.81% for the same period one year earlier primarily as a result of the decrease in short term interest rates offset, in part, by an increase in loan related fees and income from interest rate swaps. During the six months ended June 30, 2008, the Company recognized $400,000 as a success fee resulting from the completion of a capital raising event of a loan client. In addition, the net settlement from interest rate swaps contributed $941,000 to support net interest income in the six months ended June 30, 2008 compared to a loss of $204,000 for the same period in 2007.

Non-Interest Income

The Company's non-interest income for the quarter and six months ended June 30, 2008 was $1.7 million and $3.4 million, respectively, compared to $2.6 million and $3.9 million, respectively for the same periods one year ago. For the quarter and six months ended June 30, 2008 international fee income was $290,000 and $534,000, respectively, compared to $195,000 and $272,000, respectively, for the same periods in 2007. Additionally, included in non-interest income for the quarter and six months ended June 30, 2008 was a hedge accounting adjustment of $172,000 and $451,000, respectively, pertaining to the Company's interest rate swap, and the recognition of a gain on the sale of securities of $298,000.

During the quarter and six months ended June 30, 2008, the Company sold SBA loans totaling $8.0 million and $16.6 million, respectively, compared to $31.2 million and $54.7 million, respectively, for the same periods in 2007. The loans sold during the second quarter of 2007 included $11.3 million of un-guaranteed loans which resulted in an additional $1.2 million of non-interest income from the gain on sale for that period.

Net interest income and non-interest income comprised total revenue of $13.4 million for the three months ended June 30, 2008 compared to $14.5 million for the same period one year earlier, representing a decrease of $1.1 million, or 8%.

Non-Interest Expense

Non-interest expense was $9.5 million and $18.2 million for the quarter and six months ended June 30, 2008, respectively, compared to $8.4 million and $16.3 million, respectively for the same periods in 2007. The increase in non-interest expense was primarily due to an increase in salary and benefits expense associated with the Company's expansion. Salary and benefits expense for the quarter ended June 30, 2008 was $5.9 million, an increase of $647,000 over $5.3 million in the same period of 2007. Salary and benefits expense for the six months ended June 30, 2008 was $11.6 million, an increase of $1.3 million over $10.3 million in the same period of 2007. As of June 30, 2008 the Company employed 178 full-time equivalents (FTE) compared to 161 FTE on the same date one year earlier.

The Company's efficiency ratio, the ratio of non-interest expense to revenues, was 70.77% and 67.23% for the quarter and six months ended June 30, 2008, respectively, compared to 57.93% and 60.77%, respectively for the same periods one year earlier.

Balance Sheet

Bridge Capital Holdings reported total assets at June 30, 2008 of $810.4 million, compared to $763.8 million at June 30, 2007, representing growth of $46.6 million, or 6%.

The Company reported total gross loans outstanding at June 30, 2008 of $708.8 million, which represented an increase of $102.7 million, or 17%, over $606.1 million as of June 30, 2007. The growth in the loan portfolio was primarily centered in commercial and industrial loans and commercial real estate loans. In addition, as of June 30, 2008, 59% of the loan portfolio consisted of non-real estate loans.

The Company's total deposits were $716.8 million as of June 30, 2008, compared to total deposits of $681.1 million as of June 30, 2007. The increase in deposits represented growth of $35.7 million, or 5%, compared to June 30, 2007. As of June 30, 2008, demand deposits and core deposits continued to represent 32% and 87% of total deposits, respectively.

For the quarter and six months ended June 30, 2008, the Company's return on average assets were 0.80% and 0.79%, respectively, and compared to 1.57% and 1.51%, respectively, for the same periods on year earlier. For the quarter and six months ended June 30, 2008, the Company's return on average equity was 9.30% and 9.19%, respectively, and compared to 22.09% and 20.85%, respectively for the same periods in 2007. Return on average equity for the second quarter and six months ended June 30, 2008 was reduced, in part, by the impact of appreciation in the value of interest rate swaps of approximately $4.1 million which increased average other comprehensive income by approximately $2.9 million and $2.8 million, respectively.

Credit Quality

The allowance for loan losses was $11.3 million, or 1.59% of total loans, at June 30, 2008, compared to $8.6 million, or 1.32% of total loans, at December 31, 2007. The provision for credit losses for the three and six months ended June 30, 2008 was $1.2 million and $3.6 million, respectively, compared to $1.0 million and $1.2 million, respectively, for the same periods in 2007.

At June 30, 2008 nonperforming assets totaled $23.3 million, or 2.87% of total assets, compared to $15.9 million, or 2.03% of total assets, on March 31, 2008, and $5.3 million, or 0.69% of total assets, on December 31, 2007. The nonperforming assets at June 30, 2008 consisted of eight lending relationships totaling $22.3 million that were on non-accrual status and determined to be impaired based upon the criteria set forth in SFAS No. 114, undeveloped land valued at $658,000 categorized as "other real estate owned," and one commercial property valued at $325,000 categorized as "other real estate owned."

Included in the non-performing loans were three lending relationships, two of which were also included in nonperforming assets at March 31, 2008, totaling $19.6 million at June 30, 2008 that were collateralized by undeveloped land. The largest of the relationships, representing $10.0 million, is secured by farmland in the Coachella Valley area of Southern California. Based upon a recent appraisal, this loan is adequately collateralized and did not require an impairment reserve. The second relationship, representing $7.6 million, represents two loans secured by lots for luxury single family construction in Monterey County. These loans and the related estimated loss exposure were included in nonperforming loans and the allowance for loan losses at March 31, 2008. There were no changes to the status of these loans as of June 30, 2008. The third relationship is a land development loan for $2.0 million in Fresno County. This loan was included in non-performing assets at March 31, 2008 and during the second quarter was paid down by $1.7 million.

Also included in the non-performing loans was a construction loan totaling $1.8 million as of June 30, 2008. The loan is secured by three completed luxury homes in the hills of the East Bay region of the San Francisco Bay area. This loan was included in non-performing assets at March 31, 2008 and during the second quarter the Company charged-off $792,000. As such, this loan no longer had an indicated potential loss exposure and did not require an impairment reserve. The three other relationships comprising the balance of non-performing loans at June 30, 2008 consisted of two SBA loans totaling $402,000 and a technology division relationship consisting of three loans totaling approximately $500,000 secured by accounts receivable and business assets.

At June 30, 2008, the allowance for loan and lease losses included approximately $1.8 million representing the estimated impairment related to nonperforming loans.

The Company's loan charge-offs totaled $885,000 during the second quarter ended June 30, 2008 compared to $943,000 for the same period one year earlier. The Company recognized $1,000 in loan recoveries and no loan recoveries for the three months ended June 30, 2008 and 2007, respectively.

"While nonperforming loans increased during the quarter, they are centered in two loans and we believe we have fully accommodated the estimated exposure in the allowance at June 30, 2008," said Thomas A. Sa, Executive Vice President and Chief Financial Officer of Bridge Capital Holdings and Bridge Bank. "The increased reserve levels combined with the strength of our capital position and deposit base provide a solid foundation for the future."

Capital Adequacy

At June 30, 2008, shareholders' equity totaled $69.1 million, which included approximately $1.9 million in other comprehensive income as the result of increased value of interest rate swaps and the Bank's investment portfolio. Shareholders' equity at June 30, 2008 compared to $55.0 million on the same date one year earlier. As a result, the Company's total risk-based capital ratio, tier one capital ratio, and leverage ratio of 11.72%, 10.47%, and 10.63%, respectively, were all substantially above the regulatory standards for "well-capitalized" institutions of 10.00%, 6.00%, 5.00%, respectively.

Conference Call and Webcast

Management will host a conference call tomorrow, July 18, 2008 at 9:00 a.m. Eastern time/6:00 a.m. Pacific time to further discuss the Company's financial results and answer questions.

Individuals interested in participating in the conference call may do so by dialing 800.891.6020 from the United States, or 702.696.4830 from outside the United States. Those interested in listening to the conference call live via the Internet may do so by visiting the Investor Relations section of the Company's Web site at www.bridgebank.com.

A telephone replay will be available for 48 hours following the conclusion of the call by dialing 800.642.1687 from the United States, or 706.645.9291 from outside the United States, and entering reservation code 55037290. A webcast replay will be available for 90 days.

About Bridge Capital Holdings

Bridge Capital Holdings is the holding company for Bridge Bank, National Association. Bridge Capital Holdings was formed on October 1, 2004 and holds a Global Select listing on The NASDAQ Stock Market under the trading symbol BBNK. For additional information, visit the Bridge Capital Holdings website at http://www.bridgecapitalholdings.com.

About Bridge Bank, N.A.

Bridge Bank, N.A. is Silicon Valley's full-service professional business bank. The Bank is dedicated to meeting the financial needs of small, middle market, and emerging technology businesses. Bridge Bank provides its clients with a comprehensive package of business banking solutions delivered through experienced, professional bankers. For additional information, visit the Bridge Bank website at http://www.bridgebank.com.

Forward-Looking Statements

Certain matters discussed in this press release constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, and are subject to the safe harbors created by that Act. Forward-looking statements describe future plans, strategies, and expectations, and are based on currently available information, expectations, assumptions, projections, and management's judgment about the Bank, the banking industry and general economic conditions. These forward-looking statements are subject to certain risks and uncertainties that could cause the actual results, performance or achievements to differ materially from those expressed, suggested or implied by the forward looking statements.

These risks and uncertainties include, but are not limited to: (1) competitive pressures in the banking industry; (2) changes in interest rate environment; (3) general economic conditions, nationally, regionally, and in operating markets; (4) changes in the regulatory environment; (5) changes in business conditions and inflation; (6) changes in securities markets; (7) future credit loss experience; (8) the ability to satisfy requirements related to the Sarbanes-Oxley Act and other regulation on internal control; (9) civil disturbances or terrorist threats or acts, or apprehension about the possible future occurrences of acts of this type; and (10) the involvement of the United States in war or other hostilities.

The reader should refer to the more complete discussion of such risks in Bridge Capital Holdings' annual reports on Forms 10-K and quarterly reports on Forms 10-Q on file with the Securities Exchange Commission.

-Financial Tables Follow-

 BRIDGE CAPITAL HOLDINGS AND SUBSIDIARY INTERIM CONSOLIDATED STATEMENTS OF OPERATIONS
   (UNAUDITED) (Dollars in Thousands) Three months ended Six months ended ------------------------------- --------------------
   06/30/08 03/31/08 06/30/07 06/30/08 06/30/07 --------- --------- --------- --------- --------- INTEREST INCOME Loans $ 14,248
   $ 15,227 $ 15,433 $ 29,475 $ 29,617 Federal funds sold 146 177 753 323 1,277 Investment securities available for sale 518
   617 750 1,135 1,420 Other 36 - - 36 - --------- --------- --------- --------- --------- Total interest income 14,948 16,021
   16,936 30,969 32,314 --------- --------- --------- --------- --------- INTEREST EXPENSE Deposits: Interest-bearing demand
   3 4 10 7 23 Money market and savings 1,997 2,581 3,628 4,578 6,625 Certificates of deposit 941 1,088 1,112 2,029 2,268 Other
   283 315 260 599 520 --------- --------- --------- --------- --------- Total interest expense 3,224 3,988 5,010 7,213 9,436
   --------- --------- --------- --------- --------- Net interest income 11,724 12,033 11,926 23,756 22,878 Provision for credit
   losses 1,200 2,370 1,000 3,570 1,200 --------- --------- --------- --------- --------- Net interest income after provision
   for credit losses 10,524 9,663 10,926 20,186 21,678 --------- --------- --------- --------- --------- NON-INTEREST INCOME
   Service charges on deposit accounts 258 229 181 487 332 Gain on sale of SBA loans 186 283 1,890 469 2,622 Other non-interest
   income 1,271 1,159 542 2,430 953 --------- --------- --------- --------- --------- Total non- interest income 1,715 1,671
   2,613 3,386 3,907 --------- --------- --------- --------- --------- OPERATING EXPENSES Salaries and benefits 5,912 5,650 5,265
   11,562 10,267 Premises and fixed assets 1,156 1,105 1,026 2,261 1,975 Other 2,443 1,981 2,131 4,424 4,034 --------- ---------
   --------- --------- --------- Total operating expenses 9,511 8,736 8,422 18,247 16,276 --------- --------- --------- ---------
   --------- Income before income taxes 2,728 2,598 5,117 5,325 9,309 Income taxes 1,124 1,076 2,134 2,199 3,882 --------- ---------
   --------- --------- --------- NET INCOME $ 1,604 $ 1,522 $ 2,983 $ 3,126 $ 5,427 ========= ========= ========= ========= =========
   EARNINGS PER SHARE Basic earnings per share $ 0.25 $ 0.24 $ 0.47 $ 0.49 $ 0.85 ========= ========= ========= ========= =========
   Diluted earnings per share $ 0.23 $ 0.22 $ 0.43 $ 0.45 $ 0.78 ========= ========= ========= ========= ========= Average common
   shares outstanding 6,492,647 6,434,900 6,381,493 6,463,773 6,356,192 ========= ========= ========= ========= ========= Average
   common and equivalent shares outstanding 6,861,043 6,954,014 6,933,273 6,909,913 6,908,338 ========= ========= ========= =========
   ========= PERFORMANCE MEASURES Return on average assets 0.80% 0.79% 1.57% 0.79% 1.51% Return on average equity 9.30% 9.07%
   22.09% 9.19% 20.85% Efficiency ratio 70.77% 63.75% 57.93% 67.23% 60.77% 

 BRIDGE CAPITAL HOLDINGS AND SUBSIDIARY
   INTERIM CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Dollars in Thousands) 06/30/08 03/31/08 12/31/07 09/30/07 06/30/07 ---------
   --------- --------- --------- --------- ASSETS Cash and due from banks $ 31,458 $ 25,138 $ 27,440 $ 19,076 $ 21,274 Federal
   funds sold 12,765 16,880 13,395 70,155 39,790 Interest-bearing deposits 5,606 - - - - Investment securities available for
   sale 28,879 46,823 55,482 66,071 73,362 Loans: Commercial 293,034 271,390 272,660 264,360 258,978 SBA 64,725 61,472 56,945
   63,205 56,176 Real estate construction 99,712 85,522 85,378 83,030 104,652 Land development 60,117 60,783 56,196 58,938 52,733
   Real estate other 132,341 128,134 114,846 85,500 81,566 Factoring and asset-based lending 46,819 53,108 57,662 43,942 42,683
   Other 12,048 10,898 9,042 12,231 9,341 --------- --------- --------- --------- --------- Loans, gross 708,796 671,307 652,729
   611,206 606,129 Unearned fee income (2,071) (1,664) (1,856) (1,616) (1,483) Allowance for credit losses (11,294) (10,978)
   (8,608) (8,003) (7,590) --------- --------- --------- --------- --------- Loans, net 695,431 658,665 642,265 601,587 597,056
   Premises and equipment, net 5,093 5,045 5,005 4,618 4,966 Accrued interest receivable 3,325 4,074 4,400 4,748 4,608 Other
   assets 27,795 28,381 26,845 23,622 22,741 --------- --------- --------- --------- --------- Total assets $ 810,352 $ 785,006
   $ 774,832 $ 789,877 $ 763,797 ========= ========= ========= ========= ========= LIABILITIES Deposits: Demand noninterest-
   bearing $ 229,329 $ 200,567 $ 198,641 $ 201,133 $ 218,651 Demand interest-bearing 4,439 4,587 5,350 4,271 4,563 Money market
   and savings 386,332 386,369 372,923 418,503 372,470 Time 96,714 97,719 94,442 78,943 85,442 --------- --------- ---------
   --------- --------- Total deposits 716,814 689,242 671,356 702,850 681,126 --------- --------- --------- --------- ---------
   Junior subordinated debt securities 17,527 17,527 17,527 17,527 17,527 Other borrowings - - 10,000 - - Accrued interest payable
   224 190 210 298 276 Other liabilities 6,674 9,176 10,655 9,187 9,882 --------- --------- --------- --------- --------- Total
   liabilities 741,239 716,135 709,748 729,862 708,811 --------- --------- --------- --------- --------- SHAREHOLDERS' EQUITY
   Common stock 38,703 38,040 37,697 36,888 36,466 Retained earnings 28,535 26,931 25,409 22,722 19,970 Accumulated other comprehensive
   (loss) 1,875 3,900 1,978 405 (1,450) --------- --------- --------- --------- --------- Total shareholders' equity 69,113 68,871
   65,084 60,015 54,986 --------- --------- --------- --------- --------- Total liabilities and shareholders' equity $ 810,352
   $ 785,006 $ 774,832 $ 789,877 $ 763,797 ========= ========= ========= ========= ========= CAPITAL ADEQUACY Tier I leverage
   ratio 10.63% 10.52% 10.66% 10.20% 10.13% Tier I risk-based capital ratio 10.47% 10.47% 10.54% 10.68% 10.48% Total risk-based
   capital ratio 11.72% 11.72% 11.67% 11.80% 11.56% Total equity/ total assets 8.53% 8.77% 8.40% 7.60% 7.20% Book value per share
   $ 10.50 $ 10.58 $ 10.04 $ 9.32 $ 8.56 

 BRIDGE CAPITAL HOLDINGS AND SUBSIDIARY INTERIM CONSOLIDATED AVERAGE BALANCE
   SHEET AND YIELD DATA (UNAUDITED) (Dollars in Thousands) Three months ended June 30, -----------------------------------------------------------
   2008 2007 ----------------------------- ----------------------------- Yields Interest Yields Interest Average or Income/ Average
   or Income/ Balance Rates Expense Balance Rates Expense --------- -------- --------- --------- -------- --------- ASSETS Interest
   earning assets(2): Loans (1) $ 688,358 8.32% $ 14,248 $ 592,461 10.45% $ 15,433 Federal funds sold 27,876 2.11% 146 57,851
   5.22% 753 Investment securities 41,973 4.96% 518 58,615 5.13% 750 Other 4,369 3.31% 36 - 0.00% - --------- -------- ---------
   --------- -------- --------- Total interest earning assets 762,576 7.88% 14,948 708,927 9.58% 16,936 --------- -------- ---------
   --------- -------- --------- Noninterest- earning assets: Cash and due from banks 20,546 29,985 All other assets (3) 23,570
   20,993 --------- --------- TOTAL $ 806,692 $ 759,905 ========= ========= LIABILITIES AND SHAREHOLDERS' EQUITY Interest-bearing
   liabilities: Deposits: Demand $ 5,519 0.22% $ 3 $ 5,408 0.74% $ 10 Money market and savings 381,882 2.10% 1,997 376,293 3.87%
   3,629 Time 97,726 3.87% 941 91,712 4.86% 1,111 Other 21,834 5.21% 283 17,527 5.95% 260 --------- -------- --------- ---------
   -------- --------- Total interest- bearing liabilities 506,961 2.56% 3,224 490,940 4.09% 5,010 --------- -------- ---------
   --------- -------- --------- Noninterest- bearing liabilities: Demand deposits 220,572 205,360 Accrued expenses and other
   liabilities 9,789 9,434 Shareholders' equity 69,370 54,171 --------- --------- TOTAL $ 806,692 $ 759,905 ========= =========
   -------- --------- -------- --------- Net interest income and margin 6.18% $ 11,724 6.75% $ 11,926 ======== ========= ========
   ========= (1) Loan fee amortization of $1.4 million and $1.5 million, respectively, is included in interest income. Nonperforming
   loans have been included in average loan balances. (2) Interest income is reflected on an actual basis, not a fully taxable
   equivalent basis. Yields are based on amortized cost. (3) Net of average allowance for credit losses of $11.0 million and
   $7.5 million, respectively. 

 BRIDGE CAPITAL HOLDINGS AND SUBSIDIARY INTERIM CONSOLIDATED AVERAGE BALANCE SHEET
   AND YIELD DATA (UNAUDITED) (Dollars in Thousands) Six months ended June 30, -----------------------------------------------------------
   2008 2007 ----------------------------- ----------------------------- Yields Interest Yields Interest Average or Income/ Average
   or Income/ Balance Rates Expense Balance Rates Expense --------- -------- --------- --------- -------- --------- ASSETS Interest
   earning assets (2): Loans (1) $ 674,220 8.79% $ 29,475 $ 568,542 10.45% $ 29,617 Federal funds sold 26,028 2.50% 323 49,241
   5.20% 1,277 Investment securities 45,937 4.97% 1,135 55,883 5.10% 1,420 Other 2,188 3.31% 36 - 0.00% - --------- --------
   --------- --------- -------- --------- Total interest earning assets 748,373 8.32% 30,969 673,666 9.62% 32,314 --------- --------
   --------- --------- -------- --------- Noninterest- earning assets: Cash and due from banks 19,521 30,426 All other assets
   (3) 24,612 20,116 --------- --------- TOTAL $ 792,506 $ 724,208 ========= ========= LIABILITIES AND SHAREHOLDERS' EQUITY Interest-bearing
   liabilities: Deposits: Demand $ 5,236 0.27% $ 7 $ 5,462 0.84% $ 23 Money market and savings 374,902 2.46% 4,578 346,552 3.83%
   6,625 Time 97,872 4.17% 2,029 94,855 4.80% 2,268 Other 22,588 5.33% 599 17,527 5.95% 520 --------- -------- --------- ---------
   -------- --------- Total interest- bearing liabilities 500,598 2.90% 7,213 464,396 4.07% 9,436 --------- -------- ---------
   --------- -------- --------- Noninterest- bearing liabilities: Demand deposits 212,880 197,723 Accrued expenses and other
   liabilities 10,609 9,602 Shareholders' equity 68,419 52,487 --------- --------- TOTAL $ 792,506 $ 724,208 ========= =========
   -------- --------- -------- --------- Net interest income and margin 6.38% $ 23,756 6.81% $ 22,878 ======== ========= ========
   ========= (1) Loan fee amortization of $3.1 million and $2.8 million, respectively, is included in interest income. Nonperforming
   loans have been included in average loan balances. (2) Interest income is reflected on an actual basis, not a fully taxable
   equivalent basis. Yields are based on amortized cost. (3) Net of average allowance for credit losses of $9.9 million and $7.4
   million, respectively. 

 BRIDGE CAPITAL HOLDINGS AND SUBSIDIARY INTERIM CONSOLIDATED CREDIT DATA (UNAUDITED) (Dollars
   in Thousands) 06/30/08 03/31/08 12/31/07 09/30/07 06/30/07 -------- -------- -------- -------- -------- ALLOWANCE FOR CREDIT
   LOSSES Balance, beginning of period $ 10,978 $ 8,608 $ 8,003 $ 7,590 $ 7,533 Provision for credit losses, quarterly 1,200
   2,370 600 475 1,000 Charge-offs, quarterly (885) - - (312) (943) Recoveries, quarterly 1 - 5 250 - -------- -------- --------
   -------- -------- Balance, end of period $ 11,294 $ 10,978 $ 8,608 $ 8,003 $ 7,590 ======== ======== ======== ======== ========
   NONPERFORMING ASSETS Loans accounted for on a non-accrual basis $ 22,290 $ 15,578 $ 4,914 $ - $ - Loans restructured and in
   compliance with modified terms - - - - - Other loans with principal or interest contractually past due 90 days or more - -
   - - - -------- -------- -------- -------- -------- Nonperforming loans 22,290 15,578 4,914 - - Other real estate owned 979
   348 425 425 425 -------- -------- -------- -------- -------- Nonperforming assets $ 23,269 $ 15,926 $ 5,339 $ 425 $ 425 ========
   ======== ======== ======== ======== ASSET QUALITY Allowance for credit losses / gross loans 1.59% 1.64% 1.32% 1.31% 1.25%
   Allowance for credit losses / nonperforming loans 50.67% 70.47% 175.17% 0.00% 0.00% Nonperforming assets / total assets 2.87%
   2.03% 0.69% 0.05% 0.06% Nonperforming loans / gross loans 3.14% 2.32% 0.75% 0.00% 0.00% Net quarterly charge-offs / gross
   loans 0.12% 0.00% 0.00% 0.01% 0.16% 

SOURCE: Bridge Capital Holdings

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