Eagle Bancorp Montana, Inc. (FRA:8F5)

Eagle Bancorp Montana Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	93.66	92.28	79.42	60.35	45.13	45.38
Interest Income on Investments	11.68	11.93	12.19	9.11	4.61	4.27
Total Interest Income	105.34	104.21	91.62	69.46	49.75	49.65
Interest Paid on Deposits	28.16	27.84	17.86	3.12	1.47	3.61
Interest Paid on Borrowings	12.05	12.94	11.28	3.03	1.73	2.87
Total Interest Expense	40.21	40.77	29.14	6.15	3.21	6.48
Net Interest Income	65.13	63.44	62.48	63.31	46.54	43.17
Net Interest Income Growth (YoY)	6.31%	1.54%	-1.32%	36.04%	7.81%	11.31%
Mortgage Banking Activities	9.96	10.01	14.97	19.49	41.04	42.05
Gain (Loss) on Sale of Assets	-	-	-	-	-	0
Gain (Loss) on Sale of Investments	-0.14	-0.14	-0.22	-0.01	-	0.73
Other Non-Interest Income	6.39	6.26	6.22	5.07	3.94	5.18
Total Non-Interest Income	17.84	17.78	22.72	26.22	46.18	49.07
Non-Interest Income Growth (YoY)	-18.92%	-21.77%	-13.34%	-43.23%	-5.88%	105.81%
Revenues Before Loan Losses	82.97	81.21	85.2	89.53	92.72	92.24
Provision for Loan Losses	0.7	0.52	1.46	2	0.86	3.13
Revenue	82.27	80.7	83.74	87.53	91.86	89.11
Revenue Growth (YoY)	0.06%	-3.64%	-4.33%	-4.71%	3.09%	48.51%
Salaries and Employee Benefits	38.79	38.85	42.3	43.55	47.74	38.15
Occupancy Expenses	8.2	8	7.36	5.1	5.73	4.4
Federal Deposit Insurance	1.1	1.17	1.15	0.56	0.33	0.22
Amortization of Goodwill & Intangibles	1.34	1.39	1.59	1.33	0.57	0.66
Selling, General & Administrative	12.94	12.99	12.7	12.36	9.81	8.64
Other Non-Interest Expense	6.91	6.92	7	8.55	8.37	7.65
Total Non-Interest Expense	69.28	69.31	72.09	71.44	72.56	59.72
EBT Excluding Unusual Items	12.99	11.39	11.65	16.09	19.31	29.39
Asset Writedown	-	-	-	0.06	0.74	-0.79
Pretax Income	12.99	11.39	11.65	13.85	19.28	28.44
Income Tax Expense	1.87	1.61	1.6	3.15	4.86	7.23
Net Income	11.12	9.78	10.06	10.7	14.42	21.21
Net Income to Common	11.12	9.78	10.06	10.7	14.42	21.21
Net Income Growth	27.63%	-2.77%	-6.03%	-25.79%	-32.01%	95.05%
Basic Shares Outstanding	8	8	8	7	7	7
Diluted Shares Outstanding	8	8	8	7	7	7
Shares Change (YoY)	0.54%	0.71%	5.58%	10.98%	-2.41%	5.95%
EPS (Basic)	1.42	1.25	1.29	1.45	2.17	3.12
EPS (Diluted)	1.41	1.24	1.29	1.45	2.17	3.11
EPS Growth	26.99%	-3.88%	-11.04%	-33.09%	-30.32%	84.02%
Dividend Per Share	0.570	0.568	0.557	0.537	0.472	0.388
Dividend Growth	1.79%	1.79%	3.72%	13.76%	21.93%	2.65%
Effective Tax Rate	14.42%	14.15%	13.71%	22.73%	25.22%	25.44%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.