Eagle Bancorp Montana, Inc. · NASDAQ:EBMT
Eagle Bancorp Montana — FIG Partners West Coast CEO Conference 2014
21 slides from Eagle Bancorp Montana's conference presentation, Feb 6, 2014
Slide 1: FIG Partners West Coast CEO Conference
FIG Partners West Coast CEO Conference a EAGLE BANCORP MONTANA February 2014
Slide 2: Forward-looking statements
This presentation may contain certain "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934, and may be identified by the use of such words as "believe," "expect," "anticipate," “should,” “planned,” “estima
Slide 3: Eagle At a Glance
gle At a Glance a American Federal Savings Bank is a federally-chartered savings bank headquartered in Helena, Montana a Wecurrently conduct business through 13 branches located in Broadwater, Gallatin, Lewis and Clark, Missoula, Park, Ravalli, Sweet Grass, Silver Bow and Yellowstone counties in Mon
Slide 4: Experienced Board & Management
Experienced Board & Management Years at Executive Management Age Title Eagle Peter J. Johnson President and Chief Executive Officer 32 Michael C. Mundt 59 SVP and Chief Lending Officer 25 Tracy Zepeda 35 SVP/Branch Retail Administration 6* Rachel R. Amdahl 45 SVP/Operations 26 *Years at Eagle & Ster
Slide 5: Business Strategy
Business Strategy a Continue to diversify our loan portfolio into commercial (C&l) and commercial real estate a Attract and retain lower-cost core deposits a Continue to expand our franchise through selective acquisitions and branch additions a Maintain high asset quality levels a Continue to operat
Slide 6: Missoula Branches
Missoula 2 Branches. Lewis ond cok Wiioal Forest a5 oye ‘Nabons! . — peer Lodge fre ass seh a. eae | a) nd ma TTT foatser mourtand Big Timber Ha NITED “STA s Belen J Gatti whjonafrorest For anf “onthe a ten { tet a oa Bozeman. ~ Livingston ¥ EBMT Branches @
Slide 7: Deposit Market Share
Deposit Market Share a Now the 6*" largest banking institution headquartered in Montana in terms of deposits a Footprint with presence in the key Montana markets posit Market Share - Montana Deposits in thousands Number 2012 of Deposits in Rank Institution (ST) Type__ Branches Market 2 Glacier Banco
Slide 8: Montana Metropolitan Markets
Montana Metropolitan Markets Deposit Market Share — Billings, MSA Deposits in thousands Deposit Market Share — Missoula, MSA 2019 2012 of 1 Fist Interstate BaneSystem (HT) 2 Gacier Bancorp ie, (7) 3.US. Bancom (tN) 4 Wells Fargo & Co. (CA) 5 Bitterroot Holing Co. (MT) 6 Mountain West Financial Comp.
Slide 9: Montana Markets
Montana Markets Deposits in thousands Deposit Market Share - Bozeman, MT MSA 2019 2012 Rank _Rank Insitution 1 tec Mountain Bancorp. he. (MT) 2 Fist terstte BancSystem (7) 3.Gacier Banca he. (HT) «4 Wels Fargo & Co. (CA) Depostsin Market SUS. Bancap (MN) 6 Stockman Financial Cop. (M7) 7 Guaranty Dev
Slide 10: Financial Highlights
EAGLE BANCORP MONTANA Financial Highlights
Slide 11: EBMT: First Quarter 2014 Highlights
BMT: First Quarter 2014 H ghts Q_ Net income was $474,000, or $0.12 per diluted share. Q) Revenues (net interest income before the provision for loan losses, plus non-interest income) increased 30% to $6.27 million in the second quarter, compared to $4.83 million in the second quarter a year ago. Se
Slide 12: Net Interest Income & Net Interest Margin
Net Interest Income (in $000’s) & Net Interest Margin 4.00% $4,000 3.80% | + $3,750 + $3,500 ial | + $3,250 3.40% + + $3,000 aa0n¢-4 + $2,750 + $2,500 3.00% + $2,250 2.80% ; - - - : - - $2,000 77 > de SE SC EF SF EF i Net Interest Income Net Interest Margin & y e&
Slide 13: Provision For Loan Losses
Provision For Loan Losses (in S000’s) $400 - $300 | $187 J $159 $200 $140 $153 $116 $100 | $o | 2Q13 3Q13 4Q13 1014 2Q14 EAGLE BANCORP 13
Slide 14: Total Loans
Total Loans (in millions) $250 $240 $200 $160 $120 $80 $40 $o FY 2010 FY 2011 FY 2012 Fy 2013 YTD 2014 EAGLE BANCORP 14
Slide 15: Loan Portfolio Composition / Changing Loan Composition
Loan Portfolio Composition — 6/30/2008 Residential Commercial, Mortgage (1-4 3.9% family), 51.5% Consumer, 6.9% Home Equity, Se e.7% Residential Construction, 4.3% Commercial RIE, 16.7% 15 Changing Loan Composition Loan Portfolio Composition — 12/31/2013 Residential Mortgage Commercial, (1-4 family)
Slide 16: Total Deposits
Total Deposits (in millions) $440 $418 $432 $400 | $360 | $320 | $280 | $220 | 2 $240 $198 $209 $200 | $160 © FY 2010 FY 2011 FY 2012 FY 2013 YTD 2014 EAGLE BANCORP 16
Slide 17: Changing Deposit Composition
anging Deposit Compositi a Attractive funding base with checking, savings and money market accounts representing approximately 64% of total deposits Deposit Composition — 6/30/2008 Deposit Composition — 12/31/2013 Checking and Money Market, 39% Checking and Money Market, 50% 24 EAGLE BANCORP WV
Slide 18: History of Strong Credit Quality
History of Strong Credit Quality Non-Performing Assets / Total Assets 1.80% 1.70% 1.60% 1.40% 1.24% 1.20% 1.05% 1.00% - 0.80% 0.60% 0.43% 0.40% 0.30% 0.26% 0.20% 0.01% 0.00% . ’ 6/30/08 6/30/09 6/30/10 6/30/11 6/30/12 6/30/13. 12/31/13 EAGLE BANCORP 18
Slide 19: Year Stock Price
5 Year Stock Price Eagle Bancorp Montana, Inc. - Price Change (%) 0M 93.72%) -NASDAG Bank (+86.90%) ser 500 (+110.66%) = Price Change (%) Source: SNL Financial as of January 27, 2014 Ne Information reflects the exchange asa result ofthe conversion and offering EACIERTAK OR 19
Slide 20: Strong Track Record of Generating Shareholder Value
Strong Track Record of Generating Shareholder Value Tangible Book Value Per Share $15.00 $12.84 $13.39 $13.83 $10.62 $10.17 $10.00 $5.21 $531 $5.43 $5.85 $6.27 $6.80 “ | | [/ | il $0.00 6/30/04 6/30/05 6/30/06 6/30/07 6/30/08 6/30/09 6/30/10 6/30/11 6/30/12 6/30/13 12/31/13 Earnings Per Share $0.70
Slide 21: Questions?
EAGLE BANCORP MONTANA Questions?
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