XML 51 R22.htm IDEA: XBRL DOCUMENT v2.4.1.9

Note 5 - Loans and Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2015

Receivables [Abstract]

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

		March 31, 2015								December 31, 2014								March 31, 2014
(dollars in thousands)		Amount				%				Amount				%				Amount				%
Commercial		$	933,715				21	%		$	916,226				21	%		$	704,386				23	%
Income producing - commercial real estate			1,739,483				40	%			1,703,172				40	%			1,196,405				40	%
Owner occupied - commercial real estate			493,003				11	%			461,581				11	%			320,994				10	%
Real estate mortgage - residential			147,871				3	%			148,018				3	%			97,846				3	%
Construction - commercial and residential			862,013				19	%			793,432				18	%			593,967				19	%
Construction - C&I (owner occupied)			49,558				1	%			58,032				1	%			35,480				1	%
Home equity			120,543				3	%			122,536				3	%			108,839				4	%
Other consumer			98,707				2	%			109,402				3	%			6,058				-
Total loans			4,444,893				100	%			4,312,399				100	%			3,063,975				100	%
Less: Allowance for Credit Losses			(47,779	)							(46,075	)							(42,018	)
Net loans		$	4,397,114							$	4,266,324							$	3,021,957

Allowance for Credit Losses on Financing Receivables [Table Text Block]

						Income				Owner				Real				Construction
						Producing Commercial				Occupied Commercial				Estate Mortgage				Commercial and				Home				Other
(dollars in thousands)		Commercial				Real Estate				Real Estate				Residential				Residential				Equity				Consumer				Total
For the three months ended March 31, 2015
Allowance for credit losses:
Balance at beginning of period		$	13,222			$	11,442			$	2,954			$	1,259			$	15,625			$	1,469			$	104			$	46,075
Loans charged-off			(998	)			(318	)			-				-				-				(419	)			(71	)			(1,806	)
Recoveries of loans previously charged-off			51				-				1				2				95				2				49				200
Net loans charged-off			(947	)			(318	)			1				2				95				(417	)			(22	)			(1,606	)
Provision for credit losses			1,502				528				172				(206	)			663				457				194				3,310
Ending balance		$	13,777			$	11,652			$	3,127			$	1,055			$	16,383			$	1,509			$	276			$	47,779
For the period ended March 31, 2015
Allowance for credit losses:
Individually evaluated for impairment		$	5,771			$	568			$	400			$	-			$	550			$	289			$	5			$	7,583
Collectively evaluated for impairment			8,006				11,084				2,727				1,055				15,833				1,220				271				40,196
Ending balance		$	13,777			$	11,652			$	3,127			$	1,055			$	16,383			$	1,509			$	276			$	47,779

						Income				Owner				Real				Construction
						Producing Commercial				Occupied Commercial				Estate Mortgage				Commercial and				Home				Other
(dollars in thousands)		Commercial				Real Estate				Real Estate				Residential				Residential				Equity				Consumer				Total
For the three months ended March 31, 2014
Allowance for credit losses:
Balance at beginning of period		$	9,780			$	10,359			$	3,899			$	944			$	13,934			$	1,871			$	134			$	40,921
Loans charged-off			(273	)			-				(35	)			(62	)			(581	)			(149	)			(25	)			(1,125	)
Recoveries of loans previously charged-off			211				-				-				-				65				5				7				288
Net loans charged-off			(62	)			-				(35	)			(62	)			(516	)			(144	)			(18	)			(837	)
Provision for credit losses			1,702				231				(669	)			(128	)			761				(220	)			257				1,934
Ending balance		$	11,420			$	10,590			$	3,195			$	754			$	14,179			$	1,507			$	373			$	42,018
For the period ended March 31, 2014
Allowance for credit losses:
Individually evaluated for impairment		$	3,810			$	732			$	1,105			$	30			$	1,775			$	378			$	58			$	7,888
Collectively evaluated for impairment			7,610				9,858				2,090				724				12,404				1,129				315				34,130
Ending balance		$	11,420			$	10,590			$	3,195			$	754			$	14,179			$	1,507			$	373			$	42,018

Schedule of Recorded Investment in Loans [Table Text Block]

						Income Producing				Owner occupied				Real Estate				Construction
						Commercial				Commercial				Mortgage				Commercial and				Home				Other
(dollars in thousands)		Commercial				Real Estate				Real Estate				Residential				Residential				Equity				Consumer				Total
March 31, 2015
Recorded investment in loans:
Individually evaluated for impairment		$	16,981			$	4,601			$	6,840			$	-			$	14,000			$	889			$	10			$	43,321
Collectively evaluated for impairment			919,493				1,737,174				490,154				147,871				897,571				119,654				98,697				4,410,614
Ending balance		$	933,715			$	1,739,483			$	493,003			$	147,871			$	911,571			$	120,543			$	98,707			$	4,444,893
December 31, 2014
Recorded investment in loans:
Individually evaluated for impairment		$	17,612			$	5,109			$	6,891			$	-			$	14,241			$	1,398			$	59			$	45,310
Collectively evaluated for impairment			898,614				1,698,063				454,690				148,018				837,223				121,138				109,343				4,267,089
Ending balance		$	916,226			$	1,703,172			$	461,581			$	148,018			$	851,464			$	122,536			$	109,402			$	4,312,399
March 31, 2014
Recorded investment in loans:
Individually evaluated for impairment		$	27,327			$	2,508			$	7,323			$	113			$	19,159			$	756			$	60			$	57,246
Collectively evaluated for impairment			677,059				1,193,897				313,671				97,733				610,288				108,083				5,998				3,006,729
Ending balance		$	704,386			$	1,196,405			$	320,994			$	97,846			$	629,447			$	108,839			$	6,058			$	3,063,975

Financing Receivable Credit Quality Indicators [Table Text Block]

						Watch and												Total
(dollars in thousands)		Pass				Special Mention				Substandard				Doubtful				Loans
March 31, 2015
Commercial		$	891,850			$	24,884			$	16,981			$	-			$	933,715
Income producing - commercial real estate			1,719,982				14,900				4,601				-				1,739,483
Owner occupied - commercial real estate			478,486				7,677				6,840				-				493,003
Real estate mortgage – residential			147,121				750				-				-				147,871
Construction - commercial and residential			889,346				8,225				14,000				-				911,571
Home equity			117,936				1,718				889				-				120,543
Other consumer			98,697				-				10				-				98,707
Total		$	4,343,418			$	58,154			$	43,321			$	-			$	4,444,893
December 31, 2014
Commercial		$	875,102			$	23,512			$	17,612			$	-			$	916,226
Income producing - commercial real estate			1,679,101				18,962				5,109				-				1,703,172
Owner occupied - commercial real estate			445,013				9,677				6,891				-				461,581
Real estate mortgage – residential			147,262				756				-				-				148,018
Construction - commercial and residential			827,503				9,720				14,241				-				851,464
Home equity			119,420				1,718				1,398				-				122,536
Other consumer			109,343				-				59				-				109,402
Total		$	4,202,744			$	64,345			$	45,310			$	-			$	4,312,399
March 31, 2014
Commercial		$	661,432			$	15,627			$	27,327			$	-			$	704,386
Investment - commercial real estate			1,167,621				26,276				2,508				-				1,196,405
Owner occupied - commercial real estate			298,968				14,703				7,323				-				320,994
Real estate mortgage – residential			96,947				786				113				-				97,846
Construction - commercial and residential			601,711				8,577				19,159				-				629,447
Home equity			106,170				1,913				756				-				108,839
Other consumer			5,998				-				60				-				6,058
Total		$	2,938,847			$	67,882			$	57,246			$	-			$	3,063,975

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

(dollars in thousands)		March 31, 2015				December 31, 2014				March 31, 2014
Commercial		$	11,257			$	12,975			$	17,646
Income producing - commercial real estate			2,152				2,645				2,271
Owner occupied - commercial real estate			1,314				1,324				7,323
Real estate mortgage - residential			342				346				771
Construction - commercial and residential			3,608				3,697				7,658
Home equity			889				1,398				598
Other consumer			10				58				60
Total nonaccrual loans (1)(2)		$	19,572			$	22,443			$	36,327

Past Due Financing Receivables [Table Text Block]

		Loans				Loans				Loans												Total Recorded
		30-59 Days				60-89 Days				90 Days or				Total Past				Current				Investment in
(dollars in thousands)		Past Due				Past Due				More Past Due				Due Loans				Loans				Loans
March 31, 2015
Commercial		$	3,356			$	2,259			$	11,257			$	16,872			$	916,843			$	933,715
Income producing - commercial real estate			2,425				5,577				2,152				10,154				1,729,329				1,739,483
Owner occupied - commercial real estate			1,808				-				1,314				3,122				489,881				493,003
Real estate mortgage – residential			444				-				342				786				147,085				147,871
Construction - commercial and residential			-				-				3,608				3,608				907,963				911,571
Home equity			850				641				889				2,380				118,163				120,543
Other consumer			172				123				10				305				98,402				98,707
Total		$	9,055			$	8,600			$	19,572			$	37,227			$	4,407,666			$	4,444,893
December 31, 2014
Commercial		$	1,505			$	4,032			$	12,975			$	18,512			$	897,714			$	916,226
Income producing - commercial real estate			1,825				5,376				2,645				9,846				1,693,326				1,703,172
Owner occupied - commercial real estate			1,089				214				1,324				2,627				458,954				461,581
Real estate mortgage – residential			-				-				346				346				147,672				148,018
Construction - commercial and residential			-				-				3,697				3,697				847,767				851,464
Home equity			-				1,365				1,398				2,763				119,773				122,536
Other consumer			284				81				58				423				108,979				109,402
Total		$	4,703			$	11,068			$	22,443			$	38,214			$	4,274,185			$	4,312,399

Impaired Financing Receivables [Table Text Block]

		Unpaid				Recorded				Recorded												Year To Date
		Contractual Principal				Investment  With No				Investment  With				Recorded Total				Related				Average Recorded				Interest Income
(dollars in thousands)		Balance				Allowance				Allowance				Investment				Allowance				Investment				Recognized
March 31, 2015
Commercial		$	13,080			$	1,464			$	9,793			$	11,257			$	5,771			$	12,116			$	-
Income producing - commercial real estate			10,668				8,753				1,222				9,975				568				10,235				35
Owner occupied - commercial real estate			1,867				1,025				842				1,867				400				1,878				-
Real estate mortgage – residential			342				342				-				342				-				344				-
Construction - commercial and residential			8,671				8,071				600				8,671				550				8,728				99
Home equity			889				118				771				889				289				1,144				-
Other consumer			10				-				10				10				5				34				-
Total		$	35,527			$	19,773			$	13,238			$	33,011			$	7,583			$	34,479			$	134
December 31, 2014
Commercial		$	14,075			$	1,603			$	11,372			$	12,975			$	5,334			$	13,681			$	251
Income producing - commercial real estate			10,869				8,952				1,542				10,494				751				7,021				203
Owner occupied - commercial real estate			1,889				1,038				851				1,889				577				3,986				6
Real estate mortgage – residential			346				346				-				346				-				529				-
Construction - commercial and residential			8,785				8,176				609				8,785				927				10,967				1,147
Home equity			1,398				339				1,059				1,398				430				747				36
Other consumer			58				-				58				58				45				30				7
Total		$	37,420			$	20,454			$	15,491			$	35,945			$	8,064			$	36,961			$	1,650
March 31, 2014
Commercial		$	17,646			$	6,409			$	11,237			$	17,646			$	3,810			$	12,213			$	-
Investment - commercial real estate			6,016				1,106				4,535				5,641				732				5,771				35
Owner occupied - commercial			7,323				4,191				3,132				7,323				1,105				6,388				-
Real estate mortgage – residential			771				658				113				771				30				829				-
Construction - commercial and residential			13,098				4,783				7,442				12,225				1,775				12,580				503
Home equity			598				125				473				598				378				611				-
Other consumer			60				-				60				60				58				65				-
Total		$	45,512			$	17,272			$	26,992			$	44,264			$	7,888			$	38,457			$	538

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

		Number of				TDRs Performing				TDRs Not Performing				Total
(dollars in thousands)		Contracts				to Modified Terms				to Modified Terms				TDRs
March 31, 2015
Commercial			1			$	-			$	223			$	223
Income producing - commercial real estate			3				7,823				-				7,823
Owner occupied - commercial real estate			1				553				-				553
Construction - commercial and residential			1				5,063				-				5,063
Total			6			$	13,439			$	223			$	13,662
December 31, 2014
Commercial			1			$	-			$	227			$	227
Income producing - commercial real estate			3				7,849				-				7,849
Owner occupied - commercial real estate			1				565				-				565
Construction - commercial and residential			1				5,088				-				5,088
Total			6			$	13,502			$	227			$	13,729

X

- Definition

Tabular disclosure of the recorded investment in loans.

+ References

No definition available.

+ Details

Name:	egbn_ScheduleOfRecordedInvestmentInLoansTableTextBlock
Namespace Prefix:	egbn_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

+ Details

Name:	us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 29

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953659-111524



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 55

-Paragraph 19

-URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525

+ Details

Name:	us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of impaired financing receivables.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524

+ Details

Name:	us-gaap_ImpairedFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5111-111524



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7A

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953401-111524

+ Details

Name:	us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Details

Name:	us-gaap_ReceivablesAbstract
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.3,4)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 3, 4

-Article 5

+ Details

Name:	us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5111-111524

+ Details

Name:	us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables and troubled debt restructurings.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 34

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953682-111524



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 33

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953676-111524

+ Details

Name:	us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration