<SEC-DOCUMENT>0001171843-16-007287.txt : 20160120
<SEC-HEADER>0001171843-16-007287.hdr.sgml : 20160120
<ACCEPTANCE-DATETIME>20160120165127
ACCESSION NUMBER:		0001171843-16-007287
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20160120
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20160120
DATE AS OF CHANGE:		20160120

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			EAGLE BANCORP INC
		CENTRAL INDEX KEY:			0001050441
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				522061461
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25923
		FILM NUMBER:		161351533

	BUSINESS ADDRESS:	
		STREET 1:		7815 WOODMONT AVENUE
		CITY:			BETHESDA
		STATE:			MD
		ZIP:			20814
		BUSINESS PHONE:		3019861800

	MAIL ADDRESS:	
		STREET 1:		7815 WOODMONT AVENUE
		CITY:			BETHESDA
		STATE:			MD
		ZIP:			20814
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>f8k_012016.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd"><html><head></head><body style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><div style="margin-top: 3pt; margin-bottom: 12pt;"><div style="font-size: 1pt; border-top: Black 2.5pt solid; border-bottom: Black 1.1pt solid; width: 100%;">&#160;</div></div><p style="font-size: 14pt;" align="center"><strong>UNITED STATES</strong><br><strong>SECURITIES AND EXCHANGE COMMISSION</strong><br><strong>Washington, D.C. 20549<br></strong>______________________</p><p style="font-size: 14pt; text-transform: uppercase;" align="center"><strong>Form 8-K<br></strong>______________________</p><p style="font-size: 12pt;" align="center"><strong>CURRENT REPORT</strong></p><p style="font-size: 12pt;" align="center"><strong>Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</strong></p><p align="center">Date of Report (Date of earliest event Reported):&#160;January 20, 2016 </p><p align="center"><strong style="font-size: 14pt;">Eagle Bancorp, Inc.</strong><br>(Exact Name of Registrant as Specified in Charter)</p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td align="center" width="33%"><strong>MARYLAND </strong></td><td align="center" width="34%"><strong>0-25923</strong></td><td align="center" width="33%"><strong>52-2061461</strong></td></tr><tr valign="top"><td align="center" width="33%">(State or Other Jurisdiction of Incorporation)</td><td align="center" width="34%">(Commission File Number)</td><td align="center" width="33%">(I.R.S. Employer Identification Number)</td></tr></table><p>&#160;</p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="bottom"><td align="center" width="50%"><strong>7830 Old Georgetown Road, Third Floor, Bethesda, Maryland 20814<!--UNITED STATES --></strong></td></tr><tr valign="top"><td align="center" width="50%">(Address of Principal Executive Offices) (Zip Code)</td></tr></table><p align="center"><strong>301-986-1800</strong><br>(Registrant's telephone number, including area code)</p><p align="center"><strong></strong><br>(Former name or former address, if changed since last report)</p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td colspan="3">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:<br><br></td></tr><tr valign="top"><td width="21">&#160;</td><td width="40">[  ]</td><td nowrap="nowrap">&#160;&#160;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</td></tr><tr valign="top"><td width="21">&#160;</td><td width="40">[  ]</td><td nowrap="nowrap">&#160;&#160;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</td></tr><tr valign="top"><td width="21">&#160;</td><td width="40">[  ]</td><td nowrap="nowrap">&#160;&#160;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</td></tr><tr valign="top"><td width="21">&#160;</td><td width="40">[  ]</td><td nowrap="nowrap">&#160;&#160;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</td></tr></table><div style="margin-top: 12pt; margin-bottom: 3pt;"><div style="font-size: 1pt; border-top: Black 1.1pt solid; border-bottom: Black 2.5pt solid; width: 100%;">&#160;</div>&#160;</div><hr style="page-break-after: always;" noshade="noshade"><p>  <strong> &#160;</strong></p><p><strong>Item 2.02. Results of Operations and Financial Condition.</strong></p><p>On January 20, 2016, the Registrant issued a press release, a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference.</p><p><strong>Item 9.01. Financial Statements and Exhibits.</strong></p><p>Exhibit 99.1.   Press release dated January 20, 2016</p><p><p> </p><p>&#160;</p><hr style="page-break-after: always;" noshade="noshade"><p align="center"><strong>SIGNATURE</strong></p><p>Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td valign="top" width="49%">&#160;</td><td style="font-size: 12pt;" colspan="2" valign="top"><strong>Eagle Bancorp, Inc.</strong></td></tr><tr valign="top"><td width="49%">&#160;</td><td width="2%">&#160;</td><td width="49%">&#160;</td></tr><tr valign="top"><td width="49%">&#160;</td><td width="2%">&#160;</td><td width="49%">&#160;</td></tr><tr valign="top"><td width="49%">Date:&#160;January 20, 2016</td><td width="2%">By:&#160;</td><td style="text-decoration: underline;" width="49%">/s/ Michael T. Flynn&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</td></tr><tr valign="top"><td width="49%">&#160;</td><td width="2%">&#160;</td><td width="49%">Name: Michael T. Flynn</td></tr><tr valign="top"><td width="49%">&#160;</td><td width="2%">&#160;</td><td width="49%">Title: Executive Vice President, Chief Operating Officer</td></tr><tr valign="top"><td width="49%">&#160;</td><td width="2%">&#160;</td><td width="49%"></td></tr></table><p><hr style="page-break-after: always;" noshade="noshade"><p style="text-align: center;"><strong>EXHIBIT INDEX</strong></p><p style="text-align: center;">&#160;</p><table border="0" cellspacing="0" cellpadding="0" style=""><tr><td style="text-decoration: underline;" valign="bottom"><strong>Exhibit Number</strong></td><td width="20">&#160;</td><td style="text-decoration: underline;" valign="bottom"><strong>Description</strong></td></tr><tr><td>&#160;</td><td width="20">&#160;</td><td>&#160;</td></tr><tr><td>EXHIBIT 99.1</td><td width="20">&#160;</td><td>Press Release dated January 20, 2016</td></tr></table><p>&#160;</p><p>&#160;</p></p></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>exh_991.htm
<DESCRIPTION>PRESS RELEASE
<TEXT>
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"><html lang="en-US"><head><title>EdgarFiling</title><meta content="text/html; charset=windows-1252"><meta name="GENERATOR" content="MSHTML 8.00.7601.18094"></head><body bgcolor="#ffffff"><p style="text-align: right;"><strong>EXHIBIT 99.1</strong></p><p style="text-align: center;"><strong>Eagle&#160;Bancorp,&#160;Inc.&#160;Announces&#160;a&#160;46%&#160;Increase&#160;in&#160;Operating&#160;Earnings&#160;for&#160;Year&#160;End&#160;2015&#160;and&#160;Surges&#160;to&#160;$6.0&#160;Billion&#160;in&#160;Assets</strong></p><p style="text-align: center;"><p><p align="justify">BETHESDA, Md., Jan.  20, 2016  (GLOBE NEWSWIRE) -- Eagle Bancorp, Inc. (the &#8220;Company&#8221;) (NASDAQ:EGBN), the parent company of EagleBank, today announced record quarterly net income of $22.3 million for the three months ended December 31, 2015, a 52% increase (32% on an operating basis) over the $14.7 million net income ($16.9 million on an operating basis) for the three months ended December 31, 2014. Net income available to common shareholders for the three months ended December 31, 2015 increased 53% to $22.3 million as compared to $14.5 million ($16.7 million on an operating basis) for the same period in 2014.<br></p><p align="justify">Net income per basic and diluted common share for the three months ended December 31, 2015 was $0.67 and $0.65, respectively as compared to $0.51 per basic common share and $0.49 per diluted common share ($0.59 per basic common share and $0.56 per diluted common share on an operating basis) for the same period in 2014, a 31% increase per basic common share and 33% per diluted common share (14% increase per basic common share and 16% per diluted common share on an operating basis).</p><p align="justify">&#8220;We are very pleased to report the Company&#8217;s twenty-eighth consecutive quarter of record earnings, continuing a long-term history of consistent and balanced financial results,&#8221; noted Ronald D. Paul, Chairman and Chief Executive Officer of Eagle Bancorp, Inc. The Company&#8217;s quarterly earnings have increased for each quarter since the fourth quarter of 2008. Financial performance in the fourth quarter of 2015 was highlighted by 21% growth in total revenue as compared to the same quarter in 2014 and by 6% growth in total revenue as compared to the third quarter of 2015; by a favorable net interest margin, which was 4.38% for the fourth quarter of 2015; by continuing growth in total loans and total deposits; and by continued solid asset quality measures. Additionally, operating leverage remained quite favorable with an efficiency ratio in the fourth quarter of 2015 of 41.47%. The strong fourth quarter earnings resulted in an annualized return on average assets (&#8220;ROAA&#8221;) of 1.50%, an annualized return on average common equity (&#8220;ROACE&#8221;) of 12.08% and a Common Equity Tier 1 ratio of 10.68% at December 31, 2015.</p><p align="justify">For the year ended December 31, 2015, the Company&#8217;s net income was $84.2 million, a 55% increase (46% on an operating basis) over the $54.3 million ($57.7 million on an operating basis) for the year ended December 31, 2014. Net income available to common shareholders for the year ended December 31, 2015 was $83.6 million, as compared to $53.6 million ($57.1 million on an operating basis) for the same period in 2014, a 56% increase (46% on an operating basis).&#160; Net income available to common shareholders in 2015 was $2.54 per basic common share and $2.50 per diluted common share, as compared to $2.01 per basic common share and $1.95 per diluted common share ($2.14 per basic common share and $2.08 per diluted common share on an operating basis) for 2014, a 26% increase per basic and 28% per diluted common share (19% increase per basic and 21% per diluted common share on an operating basis).</p><p align="justify">Operating earnings exclude expenses related to the October 31, 2014 merger with Virginia Heritage Bank (the &#8220;Merger&#8221;) amounting to $3.2 million, or $2.2 million net of tax ($0.08 per basic common share and $0.07 per diluted common share) for the three months ended December 31, 2014, and $4.7 million, or $3.5 million net of tax ($0.13 per basic and diluted share) for the year ended December 31, 2014. Reconciliations of GAAP earnings to operating earnings are contained in the footnotes to the financial highlights table.</p><p align="justify">For the fourth quarter of 2015, total loans grew 5%, to $5.00 billion and total deposits increased 5% to $5.16 billion as compared to September 30, 2015. For the twelve months ended December 31, 2015 growth in total loans was $686 million or 16% and growth in total deposits was $848 million or 20%.</p><p align="justify">The net interest margin was 4.38% for the fourth quarter of 2015, as compared to 4.42% for the fourth quarter of 2014 and 4.23% for the third quarter of 2015. Mr. Paul added, &#8220;The margin expanded slightly in the fourth quarter of 2015 due substantially to a higher average loan percentage and a lower level of average liquidity as compared to the third quarter in 2015.&#8221; The yield on average loans for the fourth quarter of 2015 was 5.22%, as compared to 5.19% for the third quarter of 2015 and 5.29% for the fourth quarter of 2014. Mr. Paul noted that, &#8220;While competitive pressures continue regarding new loan pricing, the Company remains focused on its disciplined approach to pricing both loans and funding sources.&#8221; The cost of funds was 0.33% in the fourth quarter of 2015 versus 0.35% in the third quarter of 2015 and 0.36% in the fourth quarter of 2014.</p><p align="justify">Total revenue (net interest income plus noninterest income) for the fourth quarter of 2015 was $69.1 million, or 21% above the $57.1 million of total revenue earned for the fourth quarter of 2014 and was 6% higher than the $65.2 million of revenue earned in the third quarter of 2015. Total revenue for the full year of 2015 was $260.6 million, or 32% above the $196.8 million of total revenue earned for the full year of 2014.</p><p align="justify">The primary driver of the Company&#8217;s revenue growth for the fourth quarter of 2015 as compared to the fourth quarter of 2014 continues to be net interest income, which increased 21% ($62.6 million versus $51.8 million). Noninterest income increased 22% in the fourth quarter of 2015 over the same period in 2014 ($6.5 million versus $5.3 million).&#160;&#160;&#160;</p><p align="justify">Asset quality measures remained solid at December 31, 2015. Net charge-offs (annualized) were 0.18% of average loans for the fourth quarter of 2015, as compared to 0.26% (annualized) of average loans for the fourth quarter of 2014. At December 31, 2015, the Company&#8217;s nonperforming loans amounted to $13.2 million (0.26% of total loans) as compared to $14.5 million (0.30% of total loans) at September 30, 2015 and $22.4 million (0.52% of total loans) at December 31, 2014. Nonperforming assets amounted to $19.1 million (0.31% of total assets) at December 31, 2015 compared to $24.4 million (0.41% of total assets) at September 30, 2015 and $35.7 million (0.68% of total assets) at December 31, 2014.</p><p align="justify">Management continues to remain attentive to any signs of deterioration in borrowers&#8217; financial conditions and is proactive in taking the appropriate steps to mitigate risk. Furthermore, the Company is diligent in placing loans on nonaccrual status and believes, based on its loan portfolio risk analysis, that its allowance for credit losses, at 1.05% of total loans (excluding loans held for sale) at December 31, 2015, is adequate to absorb potential credit losses within the loan portfolio at that date. The allowance for credit losses was 1.05% of total loans at September 30, 2015 and 1.07% at December 31, 2014. The allowance for credit losses represented 398% of nonperforming loans, referred to as the Coverage Ratio, at December 31, 2015, as compared to 348% at September 30, 2015 and 205% at December 31, 2014 resulting primarily from a decrease in nonperforming loans.</p><p align="justify">The efficiency ratio of 41.47% reflects management&#8217;s ongoing efforts to maintain superior operating leverage. &#8220;The Company&#8217;s operating cost management remained quite favorable for the fourth quarter of 2015,&#8221; noted Mr. Paul. The level of annualized noninterest expenses as a percentage of average assets declined to 1.94% in the fourth quarter of 2015 as compared to 2.42% (2.16% on an operating basis) in the fourth quarter of 2014. The Merger completed in the fourth quarter of 2014 accelerated a trend of improvement in the Company&#8217;s operating leverage over the past several years. The in-market transaction allowed the Company to achieve significant cost savings throughout 2015. Mr. Paul further noted, &#8220;The Company&#8217;s goal remains providing for an appropriate infrastructure to remain competitive, service our clients, manage risk, and achieve the Company&#8217;s growth initiatives while also maintaining strict oversight of expenses.&#8221;&#160;</p><p align="justify">Total assets at December 31, 2015 were $6.08 billion, a 3% increase as compared to $5.89 billion at September 30, 2015, and a 16% increase as compared to $5.25 billion at December 31, 2014. Total loans (excluding loans held for sale) were $5.00 billion at December 31, 2015, a 5% increase as compared to $4.78 billion at September 30, 2015, and a 16% increase as compared to $4.31 billion at December 31, 2014. Loans held for sale amounted to $47.5 million at December 31, 2015 as compared to $35.7 million at September 30, 2015, a 33% increase, and $44.3 million at December 31, 2014, a 7% increase. The investment portfolio totaled $487.9 million at December 31, 2015, a 7% decrease from the $524.3 million balance at September 30, 2015. As compared to December 31, 2014, the investment portfolio at December 31, 2015 increased by $105.5 million or 28%.</p><p align="justify">Total deposits at December 31, 2015 were $5.16 billion compared to deposits of $4.93 billion at September 30, 2015, a 5% increase and $4.31 billion at December 31, 2014, a 20% increase. Total borrowed funds (excluding customer repurchase agreements) were $70.0 million at December 31, 2015 and September 30, 2015. As compared to December 31, 2014, borrowed funds (excluding customer repurchase agreements) at December 31, 2015 decreased by $149.3 million or 68%. The decline in borrowed funds for the year ended December 31, 2015 as compared to December 31, 2014 was the result of the payoff of all FHLB advances and the $9.3 million in subordinated notes due 2021.</p><p align="justify">Total shareholders&#8217; equity at December 31, 2015 decreased 6%, to $738.6 million, compared to $786.1 million at September 30, 2015, and increased 19%, from $620.8 million, at December 31, 2014. The decline of shareholders&#8217; equity from September 30, 2015 reflects the redemption during the fourth quarter of 2015 of all $71.9 million of the preferred stock issued under the Small Business Lending Fund ("SBLF"), offset by earnings during the fourth quarter. The change in shareholders&#8217; equity in 2015 was due to increased retained earnings, the public offering of common stock completed during the first quarter of 2015 (which netted approximately $94.5 million) and the redemption of the SBLF preferred stock. The ratio of common equity to total assets was 12.15% at December 31, 2015 as compared to 12.13% at September 30, 2015 and 10.46% at December 31, 2014. The Company&#8217;s capital position remains substantially in excess of regulatory requirements for well capitalized status, with a total risk based capital ratio of 12.75% at December 31, 2015, as compared to 13.80% at September 30, 2015, and 12.97% at December 31, 2014. In addition, the tangible common equity ratio was 10.56% at December 31, 2015, compared to 10.46% at September 30, 2015 and 8.54% at December 31, 2014.</p><p align="justify"><strong><u>Analysis of the three months ended December 31, 2015 compared to December 31, 2014</u></strong></p><p align="justify">For the three months ended December 31, 2015, the Company reported an annualized ROAA of 1.50% as compared to 1.21% (1.38% on an operating basis) for the three months ended December 31, 2014. The annualized ROACE for the three months ended December 31, 2015 was 12.08%, as compared to 11.67% (13.43% on an operating basis) for the three months ended December 31, 2014. The lower ROACE on an operating basis during the three months ended December 31, 2015 is due to a higher average capital position.</p><p align="justify">Net interest income increased 21% for the three months ended December 31, 2015 over the same period in 2014 ($62.6 million versus $51.8 million), resulting from growth in average earning assets of 22%. The net interest margin was 4.38% for the three months ended December 31, 2015, as compared to 4.42% for the three months ended December 31, 2014. The Company believes its net interest margin remains favorable compared to peer banking companies and that its disciplined approach to managing the loan portfolio yield to 5.22% for the fourth quarter in 2015 has been a significant factor in its overall profitability.&#160;&#160;&#160;</p><p align="justify">The provision for credit losses was $4.6 million for the three months ended December 31, 2015 as compared to $3.7 million for the three months ended December 31, 2014. The higher provisioning in the fourth quarter of 2015, as compared to the fourth quarter of 2014, is due to growth in the loan portfolio. Net charge-offs of $2.2 million in the fourth quarter of 2015 represented an annualized 0.18% of average loans, excluding loans held for sale, as compared to $2.6 million, or an annualized 0.26% of average loans, excluding loans held for sale, in the fourth quarter of 2014. Net charge-offs in the fourth quarter of 2015 were attributable primarily to land development and construction loans ($1.9 million), and home equity and other consumer loans ($499 thousand).</p><p align="justify">Noninterest income for the three months ended December 31, 2015 increased to $6.5 million from $5.3 million for the three months ended December 31, 2014, a 22% increase. This increase was primarily due to an increase of $650 thousand in gains on the sale of SBA loans and a $580 thousand increase in other income. Other income increased primarily from noninterest loan fees and noninterest fee income.</p><p align="justify">The efficiency ratio, which measures the ratio of noninterest expense to total revenue, was 41.47% for the fourth quarter of 2015, as compared to 51.38% (45.71% on an operating basis) for the fourth quarter of 2014. Noninterest expenses totaled $28.6 million for the three months ended December 31, 2015, as compared to $29.4 million ($26.1 million on an operating basis) for the three months ended December 31, 2014, a 2% decrease (10% increase on an operating basis). Cost increases for salaries and benefits were $275 thousand, due primarily to maintaining stable staffing levels and to increases in employee benefit expenses. Premises and equipment expenses were $223 thousand higher, due substantially to increases in leasing costs and accelerated amortization. Data processing expense increased $364 thousand primarily due to increased accounts and transaction volume. Legal, accounting and professional fees decreased by $112 thousand. Higher FDIC expenses were due to higher average asset growth. Other expenses increased $1.6 million primarily due to costs and valuation adjustments associated with OREO property.</p><p align="justify"><strong><u>Analysis of the year ended December 31, 2015 compared to December 31, 2014</u></strong></p><p align="justify">For the year ended December 31, 2015, the Company reported an annualized ROAA of 1.49% as compared to 1.31% (1.40% on an operating basis) for the year ended December 31, 2014. The annualized ROACE for the year ended December 31, 2015 was 12.32%, as compared to 13.50% (14.38% on an operating basis) for the year ended December 31, 2014. The lower ROACE was due to the higher average capital position.</p><p align="justify">Net interest income increased 31% for the year ended December 31, 2015 over the same period in 2014 ($233.9 million versus $178.5 million), resulting from growth in average earning assets of 35%. The net interest margin was 4.33% as compared to 4.44% for the year ended December 31, 2014. The Company believes its net interest margin remains favorable compared to peer banking companies and that its disciplined approach to managing the loan portfolio yield to 5.24% for the year ended December 31, 2015 has been a significant factor in its overall profitability.&#160;&#160;&#160;</p><p align="justify">The provision for credit losses was $14.6 million for the year ended December 31, 2015 as compared to $10.9 million for the year ended December 31, 2014. The higher provisioning in the year ended December 31, 2015, as compared to the December 31, 2014, is due to both higher loan growth and higher net charge-offs. Net charge-offs of $8.0 million for the year ended December 31, 2015 represented 0.17% of average loans, excluding loans held for sale, as compared to $5.7 million or 0.17% of average loans, excluding loans held for sale, for the year ended December 31, 2014. Net charge-offs for the year ended December 31, 2015 were attributable primarily to land development and construction loans ($1.9 million), commercial and industrial loans ($4.5 million), home equity and other consumer ($1.2 million), and income producing-commercial real estate loans ($625 thousand), offset by a recovery in construction commercial real estate loans ($175 thousand).</p><p align="justify">Noninterest income for the year ended December 31, 2015 increased to $26.6 million from $18.3 million for the year ended December 31, 2014, a 45% increase. This increase was primarily due to $4.9 million higher gains on the sale of residential mortgage loans and to gains realized on the sale of investment securities of $2.3 million offset by a $1.1 million loss on the early extinguishment of debt due to the early payoff of FHLB advances. Residential mortgage loans closed were $904 million for the year ended December 31, 2015 versus $579 million for the year ended December 31, 2014. Approximately 38% of loans closed were purchase money mortgages, with approximately 62% being for refinance purposes. Other income increased $1.3 million, primarily due to noninterest loan fees and ATM fees. Excluding investment securities gains and the loss on early extinguishment of debt, total noninterest income was $25.5 million for the year ended December 31, 2015, as compared to $18.3 million for the same period in 2014, a 39% increase.</p><p align="justify">Noninterest expenses totaled $110.7 million for the year ended December 31, 2015, as compared to $99.7 million ($95.0 million on an operating basis) for the year ended December 31, 2014, an 11% increase (17% on an operating basis). Cost increases for salaries and benefits were $4.5 million, due primarily to increased staff from the Merger, merit increases, employee benefit expense increases and higher incentive compensation. Premises and equipment expenses were $2.7 million higher, due to costs of additional branches and office space acquired in the Merger, to increases in leasing costs, and to accelerated amortization. Marketing and advertising expense increased by $749 thousand primarily due to costs associated with digital and print advertising and sponsorships. Data processing expense increased $1.4 million primarily due to increased accounts and transaction volume primarily arising out of the Merger and to higher network expenses. Higher FDIC expenses were due to higher average assets. Other expenses increased $5.1 million primarily due to costs and valuation adjustments associated with other real estate owned, franchise tax, and higher core deposit intangible amortization. For the year ended December 31, 2015, the efficiency ratio was 42.49% as compared to 50.67% (48.28% on an operating basis) for the same period in 2014. Operating efficiency was enhanced in the year of 2015 in large part from leverage achieved in the Merger and to ongoing attention to noninterest expense management.</p><p align="justify">The financial information which follows provides more detail on the Company&#8217;s financial performance for the twelve and three months ended December 31, 2015 as compared to the twelve and three months ended December 31, 2014 as well as providing eight quarters of trend data. Persons wishing for additional information should refer to the Company&#8217;s Form 10-K for the year ended December 31, 2014 and other reports filed with the Securities and Exchange Commission (the &#8220;SEC&#8221;).</p><p align="justify"><strong>About Eagle Bancorp: </strong>The Company is the holding company for EagleBank, which commenced operations in 1998. The Bank is headquartered in Bethesda, Maryland, and operates through twenty-one branch offices, located in Montgomery County, Maryland, Washington, D.C. and Northern Virginia. The Company focuses on building relationships with businesses, professionals and individuals in its marketplace.</p><p align="justify"><strong>Conference Call:</strong> Eagle Bancorp will host a conference call to discuss its fourth quarter 2015 financial results on Thursday, January 21, 2016 at 10:00 a.m. eastern standard&#160;time. The public is invited to listen to this conference call by dialing 1.877.303.6220, conference ID Code is 19041311, or by accessing the call on the Company&#8217;s website, www.EagleBankCorp.com.&#160;A replay of the conference call will be available on the Company&#8217;s website through February 4, 2016.</p><p align="justify"><strong>Forward-looking Statements: </strong>This press release 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 regarding general economic conditions. In some cases, forward-looking statements can be identified by use of words such as &#8220;may,&#8221; &#8220;will,&#8221; &#8220;anticipates,&#8221; &#8220;believes,&#8221; &#8220;expects,&#8221; &#8220;plans,&#8221; &#8220;estimates,&#8221; &#8220;potential,&#8221; &#8220;continue,&#8221; &#8220;should,&#8221; and similar words or phrases. These statements are based upon current and anticipated economic conditions, nationally and in the Company&#8217;s market, interest rates and interest rate policy, competitive factors, and other conditions which by their nature, are not susceptible to accurate forecast and are subject to significant uncertainty. Because of these uncertainties and the assumptions on which this discussion and the forward-looking statements are based, actual future operations and results in the future may differ materially from those indicated herein. For details on factors that could affect these expectations, see the risk factors and other cautionary language included in the Company&#8217;s Annual Report on Form 10-K for the year ended December 31, 2014 and in other periodic and current reports filed with the SEC. Readers are cautioned against placing undue reliance on any such forward-looking statements. The Company&#8217;s past results are not necessarily indicative of future performance.</p><table style="border-collapse: collapse; border-collapse: collapse; border-collapse: collapse; border-collapse: collapse; "><tr><td style="text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="text-align: left ;  vertical-align: bottom; vertical-align: bottom ; "><strong>Eagle Bancorp, Inc.</strong></td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; 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text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 4,130,495</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 5,908,115</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 4,844,409</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">Total earning assets</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 5,400,071</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 4,013,125</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 5,675,048</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 4,654,423</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; 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text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 3,513,088</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 4,952,282</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; 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The Company calculates the tangible common equity ratio by excluding the balance of intangible assets from common shareholders' equity and dividing by tangible assets. The Company calculates tangible book value per common share by dividing tangible common equity by common shares outstanding, as compared to book value per common share, which the Company calculates by dividing common shareholders' equity by common shares outstanding. The Company considers this information important to shareholders as tangible equity is a measure that is consistent with the calculation of capital for bank regulatory purposes, which excludes intangible assets from the calculation of risk based ratios and as such is useful for investors, regulators, management and others to evaluate capital adequacy and to compare against other financial institutions. 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vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">0.22</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">%</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 63,490</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; 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vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 13,054</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 12,776</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; 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text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">9.38</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">%</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">9.22</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">%</td></tr><tr><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; 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">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">Total assets</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 5,908,115</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 5,776,404</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 5,562,220</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 5,271,483</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 4,844,409</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 4,070,914</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 3,853,441</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 3,740,225</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">Total earning assets</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 5,675,048</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 5,544,835</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 5,332,397</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 5,039,428</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 4,654,423</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 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text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 4,499,871</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 4,376,248</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 3,993,020</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 3,317,731</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 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text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 4,330,403</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 4,025,900</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 3,470,231</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 3,328,380</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 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text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 98,105</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 102,146</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">Total stockholders&#8217; equity</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 757,199</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 778,279</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 755,541</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ; 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text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 405,121</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr><tr><td colspan="32" style="vertical-align: bottom ; ">(1) Tangible common equity to tangible assets (the "tangible common equity ratio") and tangible book value per common share are non-GAAP financial measures derived from GAAP based amounts. The Company calculates the tangible common equity&#160;ratio by excluding the balance of intangible assets from common shareholders' equity and dividing by tangible assets. The Company calculates tangible book value per common share by dividing tangible common equity by common shares outstanding,&#160;as compared to book value per common share, which the Company calculates by dividing common shareholders' equity by common shares outstanding. The Company considers this information important to shareholders as tangible equity is a measure&#160;that is consistent with the calculation of capital for bank regulatory purposes, which excludes intangible assets from the calculation of risk based ratios and as such is useful for investors, regulators, management and others to evaluate capital adequacy&#160;and to compare against other financial institutions.</td></tr><tr><td colspan="32" style="vertical-align: bottom ; ">(2) Computed by dividing noninterest expense by the sum of net interest income and noninterest income.&#160;</td></tr><tr><td colspan="32" style="vertical-align: bottom ; ">(3) Excludes loans held for sale.&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr></table></p><p>EAGLE&#160;BANCORP,&#160;INC.<br>CONTACT:<br>Michael&#160;T.&#160;Flynn<br>301.986.1800</p></body></html>
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</DOCUMENT>
</SEC-DOCUMENT>
