Eagle Bancorp Montana, Inc. (EBMT)

Eagle Bancorp Montana Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	90.01	79.42	60.35	45.13	45.38	42.34
Interest Income on Investments	12.06	12.19	9.11	4.61	4.27	4.17
Total Interest Income	102.07	91.62	69.46	49.75	49.65	46.51
Interest Paid on Deposits	26.71	17.86	3.12	1.47	3.61	3.89
Interest Paid on Borrowings	13.51	11.28	3.03	1.73	2.87	3.83
Total Interest Expense	40.22	29.14	6.15	3.21	6.48	7.73
Net Interest Income	61.85	62.48	63.31	46.54	43.17	38.79
Net Interest Income Growth (YoY)	-4.69%	-1.32%	36.04%	7.81%	11.31%	30.41%
Mortgage Banking Activities	10.91	14.97	19.49	41.04	42.05	2.32
Gain (Loss) on Sale of Assets	-	-	-	-	0	0.49
Gain (Loss) on Sale of Investments	-	-0.22	-0.01	-	0.73	0.07
Other Non-Interest Income	6.4	6.22	5.07	3.94	5.18	3.07
Total Non-Interest Income	19.02	22.72	26.22	46.18	49.07	23.84
Non-Interest Income Growth (YoY)	-14.38%	-13.34%	-43.23%	-5.88%	105.81%	96.68%
Revenues Before Loan Losses	80.86	85.2	89.53	92.72	92.24	62.63
Provision for Loan Losses	0.82	1.46	2	0.86	3.13	2.63
Revenue	80.04	83.74	87.53	91.86	89.11	60
Revenue Growth (YoY)	-6.46%	-4.33%	-4.71%	3.09%	48.51%	46.76%
Salaries and Employee Benefits	40.6	42.3	43.55	47.74	38.15	26.91
Occupancy Expenses	7.6	7.36	5.1	5.73	4.4	4.42
Federal Deposit Insurance	1.17	1.15	0.56	0.33	0.22	0.08
Amortization of Goodwill & Intangibles	1.44	1.59	1.33	0.57	0.66	0.81
Selling, General & Administrative	10.6	10.63	12.36	9.81	8.64	6.81
Other Non-Interest Expense	9.1	9.07	8.55	8.37	7.65	4.79
Total Non-Interest Expense	70.5	72.09	71.44	72.56	59.72	43.83
EBT Excluding Unusual Items	9.54	11.65	16.09	19.31	29.39	16.17
Asset Writedown	-	-	0.06	0.74	-0.79	-
Pretax Income	9.54	11.65	13.85	19.28	28.44	13.97
Income Tax Expense	1.03	1.6	3.15	4.86	7.23	3.1
Net Income	8.51	10.06	10.7	14.42	21.21	10.87
Net Income to Common	8.51	10.06	10.7	14.42	21.21	10.87
Net Income Growth	-26.10%	-6.03%	-25.79%	-32.01%	95.05%	118.23%
Basic Shares Outstanding	8	8	7	7	7	6
Diluted Shares Outstanding	8	8	7	7	7	6
Shares Change (YoY)	0.64%	5.58%	10.98%	-2.41%	5.94%	17.25%
EPS (Basic)	1.09	1.29	1.45	2.17	3.12	1.69
EPS (Diluted)	1.09	1.29	1.45	2.17	3.11	1.69
EPS Growth	-26.16%	-11.03%	-33.09%	-30.32%	84.02%	85.71%
Dividend Per Share	0.565	0.557	0.537	0.472	0.388	0.378
Dividend Growth	1.80%	3.72%	13.76%	21.94%	2.65%	2.72%
Effective Tax Rate	10.78%	13.71%	22.73%	25.22%	25.44%	22.16%

Source: S&P Capital IQ. Banks template. Financial Sources.