Eagle bancorp montana, inc. (EBMT)
Income statement / TTM
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11Dec'10Sep'10
INTEREST AND DIVIDEND INCOME:
Interest and fees on loans

43,728

42,344

39,343

36,313

33,576

30,400

28,989

27,766

26,078

24,776

23,811

22,794

21,575

20,842

19,978

18,907

18,207

17,332

16,511

15,779

14,903

14,195

13,522

12,985

12,490

12,248

11,770

11,200

10,851

10,583

10,660

10,884

11,134

11,267

11,249

11,279

0

0

0

Securities available-for-sale

3,741

3,672

3,824

3,944

4,037

4,068

3,808

3,465

3,158

2,898

2,857

2,873

2,899

2,917

2,999

3,049

3,046

3,058

3,237

3,522

3,902

4,209

4,310

4,285

4,245

4,266

3,918

3,568

3,206

2,897

2,989

3,192

3,376

3,488

3,562

3,653

0

0

0

FHLB and FRB dividends

407

408

386

359

338

322

279

247

209

170

163

152

151

142

0

0

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest on deposits in banks

-

-

53

39

-

-

44

41

24

7

0

0

0

-

0

0

-

1

1

2

4

5

8

8

6

15

23

27

30

24

16

17

19

21

23

21

0

0

0

Other interest income

145

87

8

27

0

-

0

0

-

5

6

4

4

6

4

3

5

5

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Total interest and dividend income

48,021

46,511

43,617

40,669

38,007

34,843

33,129

31,528

29,477

27,860

26,843

25,827

24,633

23,911

23,130

22,076

21,360

20,466

19,799

19,348

18,832

18,429

17,840

17,278

16,744

16,532

15,714

14,798

14,090

13,507

13,668

14,096

14,535

14,782

14,840

14,959

0

0

0

INTEREST EXPENSE:
Deposits

4,445

3,893

3,335

2,847

2,417

2,056

1,865

1,717

1,599

1,553

1,541

1,538

1,543

1,518

1,483

1,500

1,475

1,457

1,432

1,370

1,346

1,338

1,311

1,294

1,274

1,250

1,271

1,198

1,138

1,093

1,033

1,074

1,124

1,190

1,278

1,392

0

0

0

FHLB advances and other borrowings

2,256

2,387

2,451

2,212

1,871

1,614

1,466

1,342

1,349

1,217

1,049

929

819

815

771

692

608

550

555

581

600

609

638

664

741

797

844

956

1,130

1,403

1,705

1,994

2,189

2,334

2,449

2,502

0

0

0

Other long-term debt

1,433

1,446

1,456

1,457

1,450

1,432

1,420

1,409

1,399

1,324

1,170

1,015

863

785

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Subordinated debentures

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

448

276

106

85

85

84

84

87

88

90

93

96

99

99

97

98

95

139

192

0

0

0

Total interest expense

8,134

7,726

7,242

6,516

5,738

5,102

4,751

4,468

4,347

4,094

3,760

3,482

3,225

3,118

3,032

2,966

2,704

2,455

2,263

2,057

2,031

2,032

2,033

2,042

2,102

2,135

2,205

2,247

2,364

2,595

2,837

3,165

3,411

3,619

3,866

4,086

0

0

0

NET INTEREST INCOME

39,887

38,785

36,375

34,153

32,269

29,741

28,378

27,060

25,130

23,766

23,083

22,345

21,408

20,793

20,098

19,110

18,656

18,011

17,536

17,291

16,801

16,397

15,807

15,236

14,642

14,397

13,509

12,551

11,726

10,912

10,831

10,931

11,124

11,163

10,974

10,873

0

0

0

Loan loss provision

2,693

2,627

2,255

1,755

1,082

980

1,014

1,151

1,429

1,228

1,386

1,527

1,684

1,833

1,724

1,562

1,431

1,303

1,260

1,165

1,005

811

664

608

580

568

602

678

798

940

1,078

1,101

0

0

0

-

-

-

-

Loan loss provision

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

NET INTEREST INCOME AFTER LOAN LOSS PROVISION

37,194

36,158

34,120

32,398

31,187

28,761

27,364

25,909

23,701

22,538

21,697

20,818

19,724

18,960

18,374

17,548

17,225

16,708

16,276

16,126

15,796

15,586

15,143

14,628

14,062

13,829

12,907

11,873

10,928

9,972

9,753

9,830

10,128

10,149

10,051

9,925

0

0

0

NONINTEREST INCOME:
Service charges on deposit accounts

-

-

-

-

-

-

-

-

-

-

-

-

-

865

865

953

985

1,009

1,037

1,004

1,014

1,017

1,027

1,022

1,032

1,003

923

810

708

652

648

672

691

706

722

733

0

0

0

Net gain on sale of loans

19,487

16,675

13,745

10,543

8,903

7,743

7,590

7,874

8,417

8,803

9,688

10,278

10,453

10,346

8,866

7,341

6,759

6,672

6,592

6,351

5,691

4,896

4,393

4,586

5,315

6,197

6,196

5,417

4,026

2,830

2,271

1,695

1,386

1,197

1,596

2,187

0

0

0

Mortgage loan service fees

-

-

-

-

-

-

-

-

-

-

-

-

-

1,835

1,625

1,686

1,666

1,718

1,747

1,604

1,542

1,486

1,438

1,372

1,293

1,196

1,104

1,024

968

920

897

891

893

894

849

830

0

0

0

Wealth management income

-

-

-

-

-

-

-

-

-

-

-

-

-

601

616

624

576

625

648

586

627

561

517

527

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Interchange and ATM fees

-

-

-

-

-

-

-

-

-

-

-

-

-

873

796

715

656

580

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Appreciation in cash surrender value of life insurance

723

720

744

656

642

609

561

520

500

500

501

509

496

484

469

441

433

426

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net loss on sale of available-for-sale securities

-

69

-25

-48

-137

-187

-62

-39

-68

37

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

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)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

234

375

569

562

572

836

1,073

1,516

1,785

1,625

1,261

986

636

500

490

0

0

0

-

-

-

-

Net loss on fair value hedge

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-93

-410

-457

-519

-498

-133

-63

95

210

190

204

-29

22

-50

-417

0

0

0

-

-

-

-

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

-

-

-

-15

-

-

-61

-61

-53

-29

-25

-31

5

6

-3

1

-12

-13

-4

-3

-2

-1

-23

-50

-44

-53

-37

-26

-44

0

0

-

0

-

-

-

0

-

-

Net gain on sale/disposal of premises and equipment

-

-

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net gain (loss) on fair value hedge FASB ASC 815

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Other noninterest income

1,152

766

696

657

324

335

350

405

428

459

592

638

699

731

655

461

664

603

273

600

684

1,038

1,679

1,708

1,580

1,718

1,503

1,413

1,358

991

937

849

856

829

663

658

0

0

0

Total noninterest income

28,451

23,841

20,880

15,925

13,137

12,122

12,424

12,947

13,802

14,331

15,365

16,066

16,302

15,990

14,083

12,306

11,775

11,761

11,504

11,249

10,325

9,566

9,600

10,041

11,239

12,389

11,837

10,314

7,991

6,022

5,180

4,174

3,795

3,435

3,757

4,623

0

0

0

NONINTEREST EXPENSE:
Salaries and employee benefits

29,323

27,633

25,463

23,031

21,982

20,899

20,023

19,231

18,356

17,880

17,853

17,699

17,029

16,286

15,455

14,938

14,661

14,350

13,821

13,292

12,836

12,666

12,611

12,822

13,218

13,202

12,245

10,344

8,100

6,274

5,346

5,072

4,945

4,900

4,954

4,948

0

0

0

Occupancy and equipment expense

4,597

4,422

4,041

3,769

3,561

3,355

3,208

3,008

2,845

2,734

2,726

2,744

2,743

2,815

2,839

2,979

3,041

2,988

3,038

2,895

2,850

2,825

2,782

2,774

2,786

2,767

2,587

2,242

1,890

1,548

1,379

1,380

1,373

1,365

1,363

1,346

0

0

0

Data processing

4,044

3,722

3,381

3,314

3,133

2,842

2,743

2,440

2,333

2,263

2,209

2,102

1,999

1,980

2,121

2,225

2,298

2,259

2,147

2,127

2,072

2,021

1,962

1,870

1,863

1,917

1,627

1,326

1,007

665

607

611

566

609

610

568

0

0

0

Advertising

1,009

1,028

1,087

1,062

1,148

1,158

1,124

1,084

1,055

966

879

816

697

696

767

745

769

800

805

801

775

767

731

816

917

984

996

946

911

725

638

568

504

539

531

524

0

0

0

Amortization of mortgage servicing rights

-

-

-

-

-

-

-

-

1,065

1,086

1,222

1,260

1,283

1,249

998

890

810

799

802

750

709

624

603

630

652

678

758

752

727

770

723

629

593

726

992

1,158

0

0

0

Amortization

722

812

942

870

852

700

624

549

421

426

431

436

440

445

450

454

444

432

420

409

413

418

423

427

467

410

0

-

0

0

-

-

-

-

-

-

-

-

-

Loan costs

917

805

717

629

631

632

0

0

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Federal Deposit Insurance Corporation ("FDIC") insurance premiums

0

-

0

-

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Federal insurance premiums

-

-

-

223

-

-

-

302

269

284

297

318

405

404

386

370

320

332

352

342

288

277

260

271

342

340

299

264

224

193

206

187

201

216

224

257

0

0

0

Postage

319

289

293

261

266

248

238

228

195

193

193

205

188

194

177

180

189

181

203

184

184

178

177

175

171

167

154

138

136

123

124

123

113

116

116

123

0

0

0

Professional and examination fees

1,032

1,052

1,043

982

930

767

630

616

632

575

507

520

381

394

384

390

462

520

622

758

800

755

693

555

483

495

472

439

415

363

361

342

350

346

338

363

0

0

0

Consulting fees

-

-

-

144

-

-

123

114

148

180

163

193

168

202

214

242

419

576

698

802

809

733

627

537

377

227

193

133

153

194

467

528

536

517

240

180

0

0

0

Acquisition costs

1,155

2,198

2,275

1,980

2,106

1,169

987

1,041

910

676

0

0

0

-

0

-

-

-

-

-

-

-

-

-

-

0

-

1,920

0

0

0

-

-

-

-

-

-

-

-

Write-down on real estate owned and other repossessed property

-

-

-

-

-

-

-

-

-

45

45

45

36

0

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Write-down on real estate owned and other repossessed property

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

192

356

0

0

-

0

-

-

-

-

-

-

Other noninterest expense

4,650

3,989

3,648

3,400

3,096

2,971

2,682

2,559

2,527

2,708

3,141

3,372

3,541

3,354

3,003

2,714

2,500

2,489

2,531

2,452

2,337

2,147

2,041

2,021

2,056

1,997

1,915

1,808

1,596

1,542

1,449

1,425

1,468

1,437

1,403

1,414

0

0

0

Total noninterest expense

47,858

46,031

42,750

39,282

37,684

34,987

33,977

32,778

31,523

30,638

30,242

29,844

28,910

28,019

26,794

26,127

25,913

25,726

25,439

24,812

24,083

23,421

22,920

22,908

23,355

24,109

23,282

20,864

17,467

13,920

12,014

11,034

11,015

10,972

10,972

11,082

0

0

0

INCOME BEFORE PROVISION FOR INCOME TAXES

17,787

13,968

12,250

9,041

6,640

5,896

5,811

6,078

5,980

6,231

6,820

7,040

7,116

6,931

5,663

3,727

3,087

2,743

2,341

2,563

2,038

1,731

1,823

1,761

1,946

2,109

1,462

1,323

1,452

2,074

2,919

2,970

2,908

2,612

2,836

3,466

0

0

0

Provision for income taxes

4,171

3,096

2,271

1,535

1,048

914

1,720

1,898

2,067

2,128

1,821

1,990

1,868

1,799

1,099

414

246

163

-282

-257

-852

-881

-339

-350

13

-623

-756

-650

-442

429

747

792

853

807

874

1,056

0

0

0

NET INCOME

13,616

10,872

9,979

7,506

5,592

4,982

4,091

4,180

3,913

4,103

4,999

5,050

5,248

5,132

4,564

3,313

2,841

2,580

2,623

2,820

2,890

2,612

2,162

2,111

1,933

2,732

2,218

1,973

1,894

1,645

2,172

2,178

2,055

1,805

1,962

2,410

0

0

0

BASIC EARNINGS PER SHARE (in dollars per share)

0.58

0.36

0.64

0.51

0.18

0.27

0.30

0.24

0.11

0.08

0.45

0.28

0.20

0.39

0.46

0.34

0.17

0.23

0.14

0.21

0.10

0.24

0.18

0.22

0.03

0.12

0.17

0.17

0.24

-0.01

0.11

0.17

0.18

0.13

0.11

0.13

0.10

0.17

0.22

DILUTED EARNINGS PER SHARE (in dollars per share)

0.57

0.37

0.63

0.51

0.18

0.26

0.30

0.24

0.11

0.07

0.45

0.27

0.20

0.37

0.46

0.32

0.17

0.22

0.14

0.21

0.10

0.24

0.18

0.21

0.03

0.12

0.17

0.17

0.23

-0.01

0.11

0.16

0.17

0.12

0.11

0.13

0.10

0.17

0.22

BASIC WEIGHTED AVERAGE SHARES OUTSTANDING (in shares)

-

-

6,403

6,408

-

-

5,460

5,460

5,311

-

3,811

3,811

3,811

-

3,779

3,779

3,779

-

3,804

3,822

3,844

-

3,889

3,916

3,918

3,911

3,898

-

3,752

3,741

3,724

-

3,716

3,723

3,739

-

3,904

3,899

3,895

DILUTED WEIGHTED AVERAGE SHARES OUTSTANDING (in shares)

-

-

6,425

6,425

-

-

5,524

5,524

5,375

-

3,863

3,869

3,875

-

3,873

3,873

3,873

-

3,841

3,860

3,881

-

3,944

3,971

3,973

3,978

3,977

-

3,937

3,933

3,928

-

3,920

3,916

3,912

-

3,904

3,899

3,895

Deposit Account [Member]
Noninterest income revenue

1,274

1,219

1,144

1,056

978

943

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Bank Servicing [Member]
Noninterest income revenue

3,558

2,321

2,536

1,425

897

1,092

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

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

-

-

385

504

-

536

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Debit Card [Member]
Noninterest income revenue

1,389

1,327

1,253

1,159

1,092

1,042

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-