Eagle bancorp montana, inc. (EBMT)
Income statement / Yearly
Dec'19Dec'18Dec'17Dec'16Dec'15Jun'14Jun'13Jun'12Jun'11
INTEREST AND DIVIDEND INCOME:
Interest and fees on loans

42,344

30,400

24,776

20,842

17,332

12,985

11,200

10,884

11,279

Securities available-for-sale

3,672

4,068

2,898

2,917

3,058

4,285

3,568

3,192

3,653

FHLB and FRB dividends

408

322

170

142

67

-

-

-

-

Trust preferred securities

-

-

4

3

3

3

3

3

6

Interest on deposits in banks

-

-

7

1

1

4

27

17

21

Other interest income

87

53

5

6

5

4

-

-

-

Total interest and dividend income

46,511

34,843

27,860

23,911

20,466

17,281

14,798

14,096

14,959

INTEREST EXPENSE:
Deposits

3,893

2,056

1,553

1,518

1,457

1,294

1,198

1,074

1,392

FHLB advances and other borrowings

2,387

1,614

1,217

815

550

664

956

1,994

2,502

Other long-term debt

1,446

1,432

1,324

785

-

-

-

-

-

Subordinated debentures

-

-

-

-

448

87

93

97

192

Total interest expense

7,726

5,102

4,094

3,118

2,455

2,045

2,247

3,165

4,086

NET INTEREST INCOME

38,785

29,741

23,766

20,793

18,011

15,236

12,551

10,931

10,873

Loan loss provision

2,627

980

1,228

1,833

1,303

608

678

1,101

948

NET INTEREST INCOME AFTER LOAN LOSS PROVISION

36,158

28,761

22,538

18,960

16,708

14,628

11,873

9,830

9,925

NONINTEREST INCOME:
Service charges on deposit accounts

-

-

-

865

1,009

1,022

810

672

733

Net gain on sale of loans

16,675

7,743

8,803

10,346

6,672

4,586

5,417

1,695

2,187

Mortgage loan service fees

-

-

-

1,835

1,718

1,372

1,024

891

830

Wealth management income

-

-

-

601

625

527

211

-

-

Interchange and ATM fees

-

-

-

873

580

556

-

-

-

Appreciation in cash surrender value of life insurance

720

609

500

484

426

405

-

-

-

Net loss on sale of available-for-sale securities

69

-187

37

-

-

-

-

-

-

Net gain on sale of available-for-sale securities (includes $37 and $249 for 2017 and 2016, respectively, related to accumulated other comprehensive earnings reclassification)

-

-

-

249

234

1,073

1,261

490

19

Net loss on fair value hedge

-

-

-

-

-93

-63

204

-417

198

Net loss on sale of real estate owned and other repossessed property

-

-

-29

6

-13

-50

-26

-6

-2

Net gain on sale/disposal of premises and equipment

486

9

-

-

-

-

-

-

-

Other noninterest income

766

335

459

731

603

613

1,413

849

658

Total noninterest income

23,841

12,122

14,331

15,990

11,761

10,041

10,314

4,174

4,623

NONINTEREST EXPENSE:
Salaries and employee benefits

27,633

20,899

17,880

16,286

14,350

12,822

10,344

5,072

4,948

Occupancy and equipment expense

4,422

3,355

2,734

2,815

2,988

2,774

2,242

1,380

1,346

Data processing

3,722

2,842

2,263

1,980

2,259

1,870

1,326

611

568

Advertising

1,028

1,158

966

696

800

816

946

568

524

Amortization of mortgage servicing rights

-

-

1,086

1,249

799

630

752

629

1,158

Amortization

812

700

426

445

432

427

360

-

-

Loan costs

805

632

622

-

-

-

-

-

-

Federal Deposit Insurance Corporation ("FDIC") insurance premiums

-81

-246

-

-

-

-

-

-

-

Federal insurance premiums

-

-

284

404

332

271

264

187

257

Postage

289

248

193

194

181

175

138

123

123

Professional and examination fees

1,052

767

575

394

520

555

439

342

363

Consulting fees

-

-

180

202

576

537

133

528

180

Acquisition costs

2,198

1,169

676

0

-

-

1,920

0

-

Write-down on real estate owned and other repossessed property

-

-

45

0

-

-

-

-

-

Write-down on real estate owned and other repossessed property

-

-

-

-

-

10

192

169

201

Other noninterest expense

3,989

2,971

2,708

3,354

2,489

2,021

1,808

1,425

1,414

Total noninterest expense

46,031

34,987

30,638

28,019

25,726

22,908

20,864

11,034

11,082

INCOME BEFORE PROVISION FOR INCOME TAXES

13,968

5,896

6,231

6,931

2,743

1,761

1,323

2,970

3,466

Provision for income taxes

3,096

914

2,128

1,799

163

-350

-650

792

1,056

NET INCOME

10,872

4,982

4,103

5,132

2,580

2,111

1,973

2,178

2,410

BASIC EARNINGS PER SHARE (in dollars per share)

1.69

0.92

1.01

1.36

0.68

0.54

0.51

0.59

0.62

DILUTED EARNINGS PER SHARE (in dollars per share)

1.69

0.91

0.99

1.32

0.67

0.53

0.50

0.56

0.62

Deposit Account [Member]
Noninterest income revenue

1,219

943

954

-

-

-

-

-

-

Bank Servicing [Member]
Noninterest income revenue

2,321

1,092

2,127

-

-

-

-

-

-

Investment Advisory, Management and Administrative Service [Member]
Noninterest income revenue

258

536

624

-

-

-

-

-

-

Debit Card [Member]
Noninterest income revenue

1,327

1,042

856

-

-

-

-

-

-