Eagle Bancorp, Inc. · NASDAQ:EGBN
Eagle Bancorp — Stifel Nicolaus Bank & Thrift Conference 2010
41 slides from Eagle Bancorp's conference presentation, Nov 2, 2010
Slide 1: Stifel Nicolaus Bank & Thrift Conference
Ticker: EGBN www.eaglebankcorp.com Stifel Nicolaus Bank & Thrift Conference November 2, 2010
Slide 2: Forward Looking Statements
Forward Looking Statements This presentation contains forward looking statements within the meaning of the Securities and Exchange Act of 1934, as amended, including statements of goals, intentions, and expectations as to future trends, plans, events or results of Company operations and policies and
Slide 3: Company Overview
Company Overview
Slide 4: History of Growth
History of Growth
Slide 5: Summary Statistics - September 30, 2010
Summary Statistics - September 30, 2010
Slide 6: EagleBank Locations
EagleBank Locations Tyson's Corner Montgomery County Prince George’s County Alexandria Arlington Fairfax County Loudoun County Washington, DC Rest on
Slide 7: Market Information - Washington, DC
Market Information -Washington, DC Metropolitan Statistical Area
Slide 8: Greater Washington Economy
Greater Washington Economy Note: Other includes Health/Education, Media Source: George Mason University, Center for Regional Analysis
Slide 9: Deposit market data for Washington, DC MSA
Data for Metropolitan Washington, D.C. area MSA Note: Shaded companies in grey denote those companies headquartered outside of Washington, D.C. Metro Area. Data excludes: E*Trade and UNIFI Mutual Holding Company whose deposits are substantially from outside of the defined market area. Source: FDIC,
Slide 10: Consistent Balance Sheet Growth
Consistent Balance Sheet Growth (1) Regional peers includes publicly-traded commercial banks with assets between $1 and $5 billion and headquartered in Washington, DC, Virginia, West Virginia, Maryland, Pennsylvania and Delaware who reported total assets at all reporting periods shown above. Source:
Slide 11: Consistent Net Income Growth
Consistent Net Income Growth Peer CAGR: 0.2%¹ (1) Regional peers includes publicly-traded commercial banks with assets between $1 and $5 billion and headquartered in Washington, DC, Virginia, West Virginia, Maryland, Pennsylvania and Delaware who reported net income or loss for all reporting periods
Slide 12: Financial Indicators - Regional Peer Analysis
Financial Indicators - Regional Peer Analysis Note: Regional peer data is average for publicly-traded commercial banks with Assets between $1 and $5 billion and headquartered in Washington, DC, Virginia, West Virginia, Maryland, Pennsylvania and Delaware who reported at all reporting periods shown a
Slide 13: Loan Portfolio Composition
Loan Portfolio Composition Loan Portfolio by Type Loan Portfolio by Location Note: At September 30, 2010 Total Gross Loans: $1.5 Billion
Slide 14: Diversified Commercial Real Estate Portfolio
Diversified Commercial Real Estate Portfolio Construction Loans by Type Income Producing CRE by Type
Slide 15: Credit Quality Trends
| Credit Quality Trends tenn ets ‘90 or More Days Past Due s - $ 10,909 $ - $8 - $ - $ - $ - $ = ‘Nonacerual, 25,457 35,585 30,993, 22,775 22,024 20,977 24,026 23,372 So ee arse eee Tlonctingian ni) SRT Sea a Tae ST SF aa Otel nt wm OR) non sai) asst oe same sae aa ‘Total Nonperforming Assets $26,36
Slide 16: Loan Portfolio by Type
(int Shes) Loan Type Bunce _%of Tota Baknoe _%of Tota Baines _%ofToal % % Conmerciland Iniutial $329,316 250% © $350614 25.1% = 38RD «SAN 119% 143% ‘Conmeri Real Estate: Owner Occupied 199.702 144% 9678 41% 210083 137% 10.7% 9.0% Income Producing 45117 343% 500105 35.7% S738 375% 210% 196% tant 1546
Slide 17: Deposit Composition
(Dota Vln hoasends) Deposit Type %ot Sot %ot Balance Total Balance Total Balance Total ___% % Noninterest Bearing S 233,994 17.6% S$ 307,959 21.1% S$ 380,167 23.1% 5% 312% Interest Bearing Transaction 55490 4.2% 59,720 4.1% O72 3.8% 13.0% 6.7% Savings & Money Market 475,138 35.7% 582,854 39.9% 693,3
Slide 18: Superior Relationships = Superior Net Interest Margin
Superior Relationships = Superior Net Interest Margin Note: Regional peers includes publicly-traded commercial banks with Assets between $1 and $5 billion and headquartered in Washington, DC, Virginia, West Virginia, Maryland, Pennsylvania and Delaware who reported net interest margin for all period
Slide 19: Capital Ratios
Cree en ria | Total Assets S 1457545 S$ 1496827 $ 1,682,773 $1,805,504 $1,832,991 $1,937,265 $2,006,146 Total Capital S 100,593 $ 142,371 $ 201,516 $ 188,321 S 192465 $ 196,743 $ 202,301 Tier I Leverage Ratio 8.19% 9.22% 11.68% 10.29% 10.00% 9.84% 9.66% ‘Tier I Risk Based Capital Ratio 755% 9.78% 13
Slide 20: Looking Ahead
Looking Ahead
Slide 21: Why Invest in EGBN?
Why Invest in EGBN?
Slide 22: EGBN Stock Price Performance
EGBN Stock Price Performance Source : SNL Financial Any Questions?
Slide 23: Appendices
Appendices
Slide 24: Pre-Tax, Pre-Provision Income
Pre-Tax, Pre-Provision Income (1) Regional peers includes publicly-traded commercial banks with assets between $1 and $5 billion and headquartered in Washington, DC, Virginia, West Virginia, Maryland, Pennsylvania and Delaware who reported pre-tax pre-provision net revenues for all reporting periods
Slide 25: Geographic Detail of Loan Portfolio
Geographic Detail of Loan Portfolio Note: At September 30, 2010
Slide 26: Loan Portfolio by Risk Rating
Loan Portfolio by Risk Rating
Slide 27: Geographic Detail of NPA's
Geographic Detail of NPA’s Note: At September 30, 2010
Slide 28: Deposits by Type
/Noninterest Bearing Interest Bearing Transaction Savings & Money Market Core CD's Whokesale CD's Total Deposits 380,167 62,722 693,381 449,700 60,121 $1,646,091
Slide 29: Securities Portfolio
US Treasury Securit s : = - . oom US Goverment Agency Securtics 85263 1768 " 7031, a399% Mortgage Backod Secures “GSEs ner 3618 2s mnt o89%6 Municipal Bonds 47503 201 a 501380 is98 Other Equity Investments “is = os 77 01 "Total Securities 5s wir zr F902 Toone US Treasury Soourios s ql 7 z % oor, US
Slide 30: EagleBank Deposit Market Share
EagleBank Deposit Market Share
Slide 31: Proven Acquisition Capabilities
Proven Acquisition Capabilities
Slide 32: Fidelity & Trust Acquisition
Fidelity & Trust Acquisition
Slide 33: Minimal Impact from Dodd-Frank
Minimal Impact from Dodd-Frank Regulatory Reform
Slide 34: Experienced Senior Management Team
| Experienced Senior Management Team Years Years in with Name Title/Function Banking __EGBN Ronald D. Paul ‘Chairman, President & CEO 23 12 Robert P. Pincus Vice Chairman 37 2 Michael T. Flynn EVP & COO - Eagle Bancorp 39 6 Susan G. Riel Sr. EVP & COO - EagkBank 34 12 Thomas D. Murphy President - Re
Slide 35: Experienced Management Team
Experienced Management Team Ronald D. Paul, Chairman, President and CEO Mr. Paul, a founder of EagleBank, has served as Chairman since May 2008, and prior to that time was Vice Chairman and Chief Executive Officer since the organization of the Company. He also has served as Chairman of the Board of
Slide 36: Experienced Management Team
Experienced Management Team Susan G. Riel, Senior EVP, Chief Operating Officer of EagleBank Ms. Riel, Senior Executive Vice President - Chief Operating Officer of the Bank, and formerly Chief Administrative Officer. Ms. Riel has been with the bank for 12 years. She previously served as Executive Vic
Slide 37: Experienced Management Team
Experienced Management Team Martha Foulon - Tonat, EVP, Chief Lending Officer Ms. Foulon – Tonat is one of the founding officers and has been with EagleBank for 12 years. She previously served at Allegiance Bank from January 1990 to December 1997. She was Senior Vice President and Chief Lending Offi
Slide 38: Historical Balance Sheet
| Historical Balance Sheet (Petia tl to hands) _ 2008 ites nok 200) tae (Cohan gots Suge sua sue sony sta Sorin Ava re ‘050 9007 2se 305% Tol Cahind Sewiis Tonnies Ta 0737 sa aR ros toms tt oa sm 76626560 Lao tan Las Reeves sos 7a gos aos amo T2 as Hd fr Se aye ais) ama S80) Tot Net Lae eit eo Te aw
Slide 39: Historical Quarterly Balance Sheet
Historical Quarterly Balance Sheet
Slide 40: Historical Income Statement
| Historical Income Statement (Dollar Values in Thousands, except per share data) 2008 2006 2007 2008 2009 Total Interest Income S 3676 S318 S$ _STOTT_—-S 65657 S84338 “Total Interest Expense 8,008, 17,880 23,729 23,676 24,809 Net Interest Income 28,718 32,438 33348 41981 39,529 Loan Loss Provision
Slide 41: Historical Quarterly Income Statement
| Historical Quarterly Income Statement (Dollar Values in Thousands, excep per share data) “Total Interest Income “Total Interest Expense [Net Interest Income {Loan Loss Provision ‘Service Charges on Deposits Gain. oss on Sale of Loans GainLoss on Sale of Seerites Total Nonintrest Income ‘Salaries a
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