Company Quick10K Filing
Eagle Bancorp Montana
Price17.26 EPS2
Shares6 P/E11
MCap111 P/FCF-31
Net Debt12 EBIT19
TEV123 TEV/EBIT6
TTM 2019-09-30, in MM, except price, ratios
10-Q 2020-06-30 Filed 2020-08-07
10-Q 2020-03-31 Filed 2020-05-11
10-K 2019-12-31 Filed 2020-03-11
10-Q 2019-09-30 Filed 2019-11-06
10-Q 2019-06-30 Filed 2019-08-07
10-Q 2019-03-31 Filed 2019-05-09
10-K 2018-12-31 Filed 2019-03-12
10-Q 2018-09-30 Filed 2018-11-14
10-Q 2018-06-30 Filed 2018-08-07
10-Q 2018-03-31 Filed 2018-05-10
10-K 2017-12-31 Filed 2018-03-13
10-Q 2017-09-30 Filed 2017-11-13
10-Q 2017-06-30 Filed 2017-08-08
10-Q 2017-03-31 Filed 2017-05-09
10-K 2016-12-31 Filed 2017-03-14
10-Q 2016-09-30 Filed 2016-11-09
10-Q 2016-06-30 Filed 2016-08-10
10-Q 2016-03-31 Filed 2016-05-11
10-K 2015-12-31 Filed 2016-03-15
10-Q 2015-09-30 Filed 2015-11-10
10-Q 2015-06-30 Filed 2015-08-12
10-Q 2015-03-31 Filed 2015-05-13
10-K 2014-12-31 Filed 2015-03-18
10-Q 2014-09-30 Filed 2014-11-12
10-K 2014-06-30 Filed 2014-09-18
10-Q 2014-03-31 Filed 2014-05-13
10-Q 2013-12-31 Filed 2014-02-12
10-Q 2013-09-30 Filed 2013-11-13
10-K 2013-06-30 Filed 2013-09-19
10-Q 2013-03-31 Filed 2013-05-14
10-Q 2012-12-31 Filed 2013-02-14
10-Q 2012-09-30 Filed 2012-11-13
10-K 2012-06-30 Filed 2012-09-19
10-Q 2012-03-31 Filed 2012-05-14
10-Q 2011-12-31 Filed 2012-02-13
10-Q 2011-09-30 Filed 2011-11-14
10-K 2011-06-30 Filed 2011-09-19
10-Q 2011-03-31 Filed 2011-05-16
10-Q 2010-12-31 Filed 2011-02-11
10-Q 2010-09-30 Filed 2010-11-12
10-K 2010-06-30 Filed 2010-09-20
10-Q 2010-03-31 Filed 2010-05-12
8-K 2020-07-28 Earnings, Exhibits
8-K 2020-06-10
8-K 2020-05-04
8-K 2020-04-28
8-K 2020-04-23
8-K 2020-04-23
8-K 2020-01-28
8-K 2020-01-01
8-K 2019-12-13
8-K 2019-12-12
8-K 2019-10-22
8-K 2019-08-08
8-K 2019-07-23
8-K 2019-04-23
8-K 2019-04-18
8-K 2019-03-29
8-K 2019-01-29
8-K 2019-01-01
8-K 2018-12-19
8-K 2018-10-23
8-K 2018-10-18
8-K 2018-10-11
8-K 2018-08-21
8-K 2018-08-16
8-K 2018-07-24
8-K 2018-05-17
8-K 2018-04-24
8-K 2018-04-23
8-K 2018-01-31
8-K 2018-01-29

EBMT 10Q Quarterly Report

Note 2. Mergers and Acquisitions
Note 3. Investment Securities
Note 4. Loans Receivable
Note 5. Mortgage Servicing Rights
Note 6. Deposits
Note 7. Other Long - Term Debt
Note 8. Accumulated Other Comprehensive Income (Loss)
Note 9. Earnings per Share
Note 10. Dividends and Stock Repurchase Program
Note 11. Derivatives and Hedging Activities 
Note 12. Fair Value of Financial Instruments
Note 13. Recent Accounting Pronouncements
EX-31.1 ex_187997.htm
EX-31.2 ex_187998.htm
EX-32.1 ex_187999.htm

Eagle Bancorp Montana Earnings 2020-06-30

Balance SheetIncome StatementCash Flow

ebmt20200331_10q.htm
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Table of Contents

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

 

FORM 10-Q

 

QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 

For the quarterly period ended June 30, 2020

 

TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 

For the transition period from _____ to _____.

 

Commission file number 1-34682

 

Eagle Bancorp Montana, Inc.

 


(Exact name of small business issuer as specified in its charter)

 

Delaware

27-1449820

(State or other jurisdiction of incorporation or organization)

(I.R.S. Employer Identification No.)

 

1400 Prospect Avenue, Helena, MT 59601


(Address of principal executive offices)

 

(406) 442-3080


(Issuer's telephone number)

 

Website address: www.opportunitybank.com

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐

 

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer     ☐

Accelerated filer       ☒

Non-accelerated filer       ☐

Smaller reporting company  

 

Emerging growth company  

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

 

Indicate by check mark whether the registrant is a shell company (defined in Rule 12b-2 of the Exchange Act). Yes No ☒

 

Securities registered pursuant to Section 12(b) of the Act:

 

Title of each class

Trading symbol(s)

Name of each exchange on which registered

Common Stock par value $0.01 per share

EBMT

The Nasdaq Stock Market LLC

 

 

APPLICABLE ONLY TO CORPORATE ISSUERS

 

Indicate the number of shares outstanding of each of the issuer's classes of common equity, as of the latest practicable date:

 

Common stock, par value $0.01 per share

6,795,748 shares outstanding

As of July 31, 2020

 

 

EAGLE BANCORP MONTANA, INC. AND SUBSIDIARIES

 

 

 

TABLE OF CONTENTS

 

PART I.

FINANCIAL INFORMATION

PAGE

 

 

 

Item 1.

Financial Statements (Unaudited)

 

 

 

 

 

Consolidated Statements of Financial Condition as of June 30, 2020 and December 31, 2019

1

 

 

 

 

Consolidated Statements of Income for the three and six months ended June 30, 2020 and 2019

3

 

 

 

 

Consolidated Statements of Comprehensive Income for the three and six months ended June 30, 2020 and 2019

5

 

 

 

 

Consolidated Statements of Changes in Shareholders' Equity for the three and six months ended June 30, 2020 and 2019

6

 

 

 

 

Consolidated Statements of Cash Flows for the six months ended June 30, 2020 and 2019

7

 

 

 

 

Notes to the Unaudited Consolidated Financial Statements

9

 

 

 

Item 2.

Management's Discussion and Analysis of Financial Condition and Results of Operations

35

 

 

 

Item 3.

Quantitative and Qualitative Disclosures About Market Risk

51

 

 

 

Item 4.

Controls and Procedures

52

 

 

 

PART II.

OTHER INFORMATION

 

Item 1.

Legal Proceedings

53

Item 1A. Risk Factors 53

Item 2. 

Unregistered Sales of Equity Securities and Use of Proceeds

53

Item 3.

Defaults Upon Senior Securities

53

Item 4. 

Mine Safety Disclosures

53

Item 5.

Other Information

53

Item 6. 

Exhibits

54

 

 

 

Signatures

55

 

 

EAGLE BANCORP MONTANA, INC. AND SUBSIDIARIES

 

 

Note Regarding Forward-Looking Statements 

 

This report includes “forward-looking statements” within the meaning and protections of Section 27A of the Securities Act of 1933, as amended, or the Securities Act, and Section 21E of the Securities Exchange Act of 1934, as amended, or the Exchange Act. All statements other than statements of historical fact are statements that could be forward-looking statements. You can identify these forward-looking statements through our use of words such as “may,” “will,” “anticipate,” “assume,” “should,” “indicate,” “would,” “believe,” “contemplate,” “expect,” “estimate,” “continue,” “plan,” “project,” “could,” “intend,” “target” and other similar words and expressions of the future. These forward-looking statements include, but are not limited to:

statements of our goals, intentions and expectations;

statements regarding our business plans, prospects, growth and operating strategies;

statements regarding the current global COVID-19 pandemic;

statements regarding the asset quality of our loan and investment portfolios; and

estimates of our risks and future costs and benefits.

 

These forward-looking statements are based on current beliefs and expectations of the management of Eagle Bancorp Montana, Inc. (“Eagle” or the “Company”) and Opportunity Bank of Montana (“OBMT” or the “Bank”), Eagle’s wholly-owned subsidiary, and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change.

 

The following factors, among others, could cause the Company’s actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements:

 

changes in laws or government regulations or policies affecting financial institutions, including changes in regulatory fees and capital requirements;

 

the negative impacts and disruptions resulting from the continuing outbreak of the novel coronavirus, or COVID-19, on the economies and communities we serve, which may likely have an adverse impact on our credit portfolio, goodwill, stock price, borrowers and the economy as a whole both globally and domestically;

 

local, regional, national and international economic and market conditions and events and the impact they may have on us, our customers and our assets and liabilities;

 

competition among depository and other financial institutions;

 

risks related to the concentration of our business in Montana, including risks associated with changes in the prices, values and sales volume of residential and commercial real estate in Montana;

 

inflation and changes in the interest rate environment that reduce our margins or reduce the fair value of financial instruments;

 

our ability to attract deposits and other sources of funding or liquidity;

 

changes or volatility in the securities markets;

 

our ability to implement our growth strategy, including identifying and consummating suitable acquisitions, raising additional capital to finance such transactions, entering new markets, possible failures in realizing the anticipated benefits from such acquisitions and an inability of our personnel, systems and infrastructure to keep pace with such growth;

 

the effect of acquisitions we may make, if any, including, without limitation, the failure to achieve expected revenue growth and/or expense savings from such acquisitions;

 

risks related to the integration of any businesses we have acquired or expect to acquire, including exposure to potential asset quality and credit quality risks and unknown or contingent liabilities, the time and costs associated with integrating systems, technology platforms, procedures and personnel;

 

potential impairment on the goodwill we have recorded or may record in connection with business acquisitions;

 

political developments, uncertainties or instability;

 

our ability to enter new markets successfully and capitalize on growth opportunities;

 

changes in consumer spending, borrowing and savings habits;

 

our ability to continue to increase and manage our commercial and residential real estate, multi-family and commercial business loans;

 

possible impairments of securities held by us, including those issued by government entities and government sponsored enterprises;

 

the level of future deposit insurance premium assessments;

 

our ability to develop and maintain secure and reliable information technology systems, effectively defend ourselves against cyberattacks, or recover from breaches to our cybersecurity infrastructure;

 

the failure of assumptions underlying the establishment of allowance for possible loan losses and other estimates;

 

changes in the financial performance and/or condition of our borrowers and their ability to repay their loans when due; and

 

the effect of changes in accounting policies and practices, as may be adopted by the regulatory agencies, as well as the Securities and Exchange Commission, the Public Company Accounting Oversight Board, the Financial Accounting Standards Board and other accounting standard setters.

 

Because of these and other uncertainties, our actual future results may be materially different from the results indicated by these forward-looking statements. For a further list and description of various risks, relevant factors and uncertainties that could cause future results or events to differ materially from those expressed or implied in our forward-looking statements, see the Item 1A, “Risk Factors” and Item 7, “Management’s Discussion and Analysis of Financial Condition and Results of Operations” sections contained elsewhere in this report, as well as our Annual Report on Form 10-K for the year ended December 31, 2019, any subsequent Reports on Form 10-Q and Form 8-K, and other filings with the SEC. We do not undertake any obligation to publicly update or correct any forward-looking statements to reflect events or circumstances that subsequently occur, or of which we hereafter become aware.

 

 

EAGLE BANCORP MONTANA, INC. AND SUBSIDIARIES
 

 

 

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

(Dollars in Thousands, Except for Per Share Data)

(Unaudited)

 

  

June 30,

  

December 31,

 
  

2020

  

2019

 

ASSETS:

        

Cash and due from banks

 $12,555  $18,094 

Interest bearing deposits in banks

  11,028   4,284 

Federal funds sold

  29,305   2,540 

Total cash and cash equivalents

  52,888   24,918 
         

Securities available-for-sale, at fair value

  174,526   126,875 

Federal Home Loan Bank ("FHLB") stock

  4,057   4,683 

Federal Reserve Bank ("FRB") stock

  2,601   2,526 

Mortgage loans held-for-sale, at fair value

  57,715   25,612 

Loans receivable, net of allowance for loan losses of $10,500 at June 30, 2020 and $8,600 at December 31, 2019

  830,329   770,635 

Accrued interest and dividends receivable

  6,075   4,577 

Mortgage servicing rights, net

  8,334   8,739 

Premises and equipment, net

  52,897   40,082 

Cash surrender value of life insurance, net

  26,058   23,608 

Goodwill

  20,798   15,836 

Core deposit intangible, net

  2,669   2,786 

Other assets

  9,487   3,383 
         

Total assets

 $1,248,434  $1,054,260 

 

The accompanying notes are an integral part of these unaudited consolidated financial statements.

 

- 1 -

 

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Continued)

(Dollars in Thousands, Except for Per Share Data)

(Unaudited)

 

  

June 30,

  

December 31,

 
  

2020

  

2019

 

LIABILITIES:

        

Deposit accounts:

        

Noninterest bearing

 $271,259  $200,035 

Interest bearing

  684,185   608,958 

Total deposits

  955,444   808,993 
         

Accrued expenses and other liabilities

  20,458   9,825 

Deferred tax liability, net

  541   492 

FHLB advances and other borrowings

  90,786   88,350 

Other long-term debt:

        

Principal amount

  40,155   25,155 

Unamortized debt issuance costs

  (479)  (214)

Total other long-term debt, net

  39,676   24,941 
         

Total liabilities

  1,106,905   932,601 
         

SHAREHOLDERS' EQUITY:

        

Preferred stock (par value $0.01 per share; 1,000,000 shares authorized; no shares issued or outstanding)

  -   - 

Common stock (par value $0.01 per share; 20,000,000 shares authorized; 7,110,833 and 6,714,983 shares issued; 6,817,602 and 6,423,033 shares outstanding at June 30, 2020 and December 31, 2019, respectively)

  71   67 

Additional paid-in capital

  77,506   68,826 

Unallocated common stock held by Employee Stock Ownership Plan ("ESOP")

  (227)  (311)

Treasury stock, at cost

  (3,664)  (3,643)

Retained earnings

  63,757   55,391 

Accumulated other comprehensive income, net of tax

  4,086   1,329 

Total shareholders' equity

  141,529   121,659 
         

Total liabilities and shareholders' equity

 $1,248,434  $1,054,260 

 

The accompanying notes are an integral part of these unaudited consolidated financial statements.

 

- 2 -

EAGLE BANCORP MONTANA, INC. AND SUBSIDIARIES

 

 

CONSOLIDATED STATEMENTS OF INCOME

 (Dollars in Thousands, Except for Per Share Data)

(Unaudited)

 

   

Three Months Ended

   

Six Months Ended

 
   

June 30,

   

June 30,

 
   

2020

   

2019

   

2020

   

2019

 

INTEREST AND DIVIDEND INCOME:

                               

Interest and fees on loans

  $ 11,060     $ 10,599     $ 22,492     $ 20,647  
Securities available-for-sale     952       928       1,979       1,886  
FHLB and FRB dividends     95       95       189       190  
Other interest income     26       16       104       36  

Total interest and dividend income

    12,133       11,638       24,764       22,759  
                                 

INTEREST EXPENSE:

                               

Deposits

    945       924       2,284       1,711  
FHLB advances and other borrowings     342       656       805       1,250  
Other long-term debt     423       364       775       729  

Total interest expense

    1,710       1,944       3,864       3,690  
                                 

NET INTEREST INCOME

    10,423       9,694       20,900       19,069  
                                 

Loan loss provision

    1,227       697       1,897       1,301  
                                 

NET INTEREST INCOME AFTER LOAN LOSS PROVISION

    9,196       8,997       19,003       17,768  
                                 

NONINTEREST INCOME:

                               

Service charges on deposit accounts

    216       292       532       553  
Net gain on sale of loans     7,920       3,360       13,331       5,959  
Mortgage banking, net     3,358       722       4,960       1,087  
Interchange and ATM fees     379       338       716       613  
Appreciation in cash surrender value of life insurance     160       160       320       317  
Net gain on sale of available-for-sale securities     1,068       104       1,068       49  
Other noninterest income     597       527       1,075       619  

Total noninterest income

    13,698       5,503       22,002       9,197  

 

The accompanying notes are an integral part of these unaudited consolidated financial statements.

 

- 3 -

EAGLE BANCORP MONTANA, INC. AND SUBSIDIARIES

 

CONSOLIDATED STATEMENTS OF INCOME (Continued)

(Dollars in Thousands, Except for Per Share Data)

(Unaudited)

 

   

Three Months Ended

   

Six Months Ended

 
   

June 30,

   

June 30,

 
   

2020

   

2019

   

2020

   

2019

 

NONINTEREST EXPENSE:

                               

Salaries and employee benefits

  $ 9,267     $ 6,510     $ 16,949     $ 12,502  
Occupancy and equipment expense     1,188       1,043       2,397       2,077  
Data processing     1,089       854       2,339       1,782  
Advertising     167       212       416       480  
Amortization     166       253       330       507  
Loan costs     398       177       645       312  
Federal Deposit Insurance Corporation ("FDIC") insurance premiums     3       55       72       115  
Postage     86       79       184       147  
Professional and examination fees     407       280       692       585  
Acquisition costs     29       5       157       1,176  
Other noninterest expense     2,333       1,005       3,800       1,811  

Total noninterest expense

    15,133       10,473       27,981       21,494  
                                 

INCOME BEFORE PROVISION FOR INCOME TAXES

    7,761       4,027       13,024       5,471  
                                 

Provision for income taxes

    2,026       780       3,362       1,041  
                                 

NET INCOME

  $ 5,735     $ 3,247     $ 9,662     $ 4,430  
                                 

BASIC EARNINGS PER COMMON SHARE

  $ 0.84     $ 0.51     $ 1.42     $ 0.69  
                                 

DILUTED EARNINGS PER COMMON SHARE

  $ 0.84     $ 0.51     $ 1.41     $ 0.69  

 

The accompanying notes are an integral part of these unaudited consolidated financial statements.

 

- 4 -

EAGLE BANCORP MONTANA, INC. AND SUBSIDIARIES

 

 

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

(Dollars in Thousands)

(Unaudited)

 

   

Three Months Ended

   

Six Months Ended

 
   

June 30,

   

June 30,

 
   

2020

   

2019

   

2020

   

2019

 
                                 

NET INCOME

  $ 5,735     $ 3,247     $ 9,662     $ 4,430  
                                 

OTHER COMPREHENSIVE INCOME (LOSS):

                               
Change in fair value of investment securities available-for-sale     4,606       1,965       4,811       3,451  

Reclassification for net realized gains on investment securities available-for-sale

    (1,068 )     (104 )     (1,068 )     (49 )
Change in fair value of loans held-for-sale     -       -       -       296  
Reclassification for net realized gains on loans held-for-sale     -       (296 )     -       (605 )

Total other comprehensive income

    3,538       1,565       3,743       3,093  
                                 

Income tax (provision) benefit related to:

                               
Investment securities     (932 )     (489 )     (986 )     (896 )
Loans held-for-sale     -       78       -       82  

Total income tax provision

    (932 )     (411 )     (986 )     (814 )
                                 

COMPREHENSIVE INCOME

  $ 8,341     $ 4,401     $ 12,419     $ 6,709  

 

The accompanying notes are an integral part of these unaudited consolidated financial statements.

 

- 5 -

EAGLE BANCORP MONTANA, INC. AND SUBSIDIARIES

 

 

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY

For the Three and Six Months Ended June 30, 2020 and 2019

(Dollars in Thousands, Except for Per Share Data)

(Unaudited)

 

                          

ACCUMULATED

     
          

ADDITIONAL