PART I. FINANCIAL INFORMATION [Item 1. Financial Statements (Unaudited)](index=3&type=section&id=Item%201.%20Financial%20Statements%20(Unaudited)) The unaudited statements reflect the company's financial position, operations, and cash flows, impacted by CECL adoption and COVID-19 [Consolidated Balance Sheets](index=3&type=section&id=Consolidated%20Balance%20Sheets) Total assets grew to $9.99 billion, driven by deposit growth, while the allowance for credit losses increased due to CECL adoption Consolidated Balance Sheet Highlights (in thousands) | Account | March 31, 2020 | December 31, 2019 | Change (%) | | :--- | :--- | :--- | :--- | | **Total Assets** | **$9,992,219** | **$8,988,719** | **+11.2%** | | Loans, net | $7,744,537 | $7,472,090 | +3.6% | | Allowance for credit losses | $96,336 | $73,658 | +30.8% | | Total Deposits | $8,141,568 | $7,224,391 | +12.7% | | Total Liabilities | $8,829,441 | $7,798,038 | +13.2% | | Total Shareholders' Equity | $1,162,778 | $1,190,681 | -2.3% | [Consolidated Statements of Operations](index=4&type=section&id=Consolidated%20Statements%20of%20Operations) Net income decreased 31.5% to $23.1 million, primarily due to a significantly higher provision for credit losses Q1 2020 vs Q1 2019 Performance (in thousands, except per share data) | Metric | Three Months Ended March 31, 2020 | Three Months Ended March 31, 2019 | Change (%) | | :--- | :--- | :--- | :--- | | Net Interest Income | $79,744 | $81,017 | -1.6% | | Provision for Credit Losses | $14,310 | $3,360 | +325.9% | | Noninterest Income | $5,470 | $6,291 | -13.1% | | Noninterest Expense | $37,347 | $38,304 | -2.5% | | **Net Income** | **$23,123** | **$33,749** | **-31.5%** | | **Diluted EPS** | **$0.70** | **$0.98** | **-28.6%** | - Legal, accounting and professional fees **increased significantly to $7.0 million** in Q1 2020 from $1.7 million in Q1 2019[14](index=14&type=chunk) [Consolidated Statements of Cash Flows](index=7&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) Net cash from financing activities drove a $697.6 million net increase in cash and cash equivalents for the period Cash Flow Summary (in thousands) | Activity | Three Months Ended March 31, 2020 | | :--- | :--- | | Net cash provided by operating activities | $35,786 | | Net cash used in investing activities | ($304,522) | | Net cash provided by financing activities | $966,377 | | **Net Increase in Cash and Cash Equivalents** | **$697,641** | [Notes to Consolidated Financial Statements](index=8&type=section&id=Notes%20to%20Consolidated%20Financial%20Statements) The notes detail the material impacts of CECL adoption, the company's response to COVID-19, and credit quality details - The company adopted ASU 2016-13 (CECL) on January 1, 2020, replacing the incurred loss model with an expected loss model, resulting in a **$10.6 million increase to the allowance for credit losses** on loans and a **$4.1 million increase to the reserve for unfunded commitments**[44](index=44&type=chunk)[46](index=46&type=chunk)[86](index=86&type=chunk) - In response to COVID-19, the company implemented a loan modification program, granting temporary relief on approximately **382 loans totaling $576 million in exposure** through April 30, 2020[40](index=40&type=chunk)[152](index=152&type=chunk) - The company is an active participant in the SBA's Paycheck Protection Program (PPP), with **$444.8 million in principal outstanding** across 1,090 borrowers as of April 30, 2020[41](index=41&type=chunk) - The allowance for credit losses is estimated using a Discounted Cash Flow (DCF) method for most loan pools, which models lifetime probability of default and loss given default using **national unemployment as a key loss driver**[73](index=73&type=chunk)[74](index=74&type=chunk)[75](index=75&type=chunk) [Management's Discussion and Analysis of Financial Condition and Results of Operations](index=46&type=section&id=Item%202.%20Management's%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management attributes the Q1 net income decline to a higher credit loss provision and legal fees driven by CECL and COVID-19 [Results of Operations](index=49&type=section&id=Results%20of%20Operations) Net income fell due to a 398% increase in the credit loss provision and a sharp rise in legal fees, despite lower operating expenses Key Performance Metrics (Annualized) | Metric | Q1 2020 | Q1 2019 | | :--- | :--- | :--- | | Return on Average Assets (ROAA) | 0.98% | 1.62% | | Return on Average Common Equity (ROACE) | 7.81% | 12.12% | | Return on Average Tangible Common Equity (ROATCE) | 8.56% | 13.38% | | Net Interest Margin | 3.49% | 4.02% | | Efficiency Ratio | 43.83% | 43.87% | - The provision for credit losses increased to **$16.4 million, a 398% increase** from Q1 2019, due to the adoption of CECL and increased reserves associated with the COVID-19 pandemic[259](index=259&type=chunk)[270](index=270&type=chunk) - Legal, accounting and professional fees **increased by $5.3 million (309%) to $7.0 million**, primarily associated with ongoing governmental investigations and defense of a class action lawsuit[274](index=274&type=chunk)[328](index=328&type=chunk) [Financial Condition](index=62&type=section&id=Financial%20Condition) Total assets grew 11% to $9.99 billion, with key loan portfolio exposures to COVID-19 identified in specific sectors COVID-19 Loan Portfolio Exposure as of March 31, 2020 | Industry / Property Type | Principal Balance (in thousands) | % of Loan Portfolio | | :--- | :--- | :--- | | Accommodation & Food Services | $761,346 | 9.7% | | Retail Trade | $89,753 | 1.1% | | CRE - Retail Property | $391,158 | 5.0% | | CRE - Hotel Property | $40,751 | 0.5% | | CRE - Restaurant Property | $40,031 | 0.5% | - **Nonperforming assets were stable at 0.56%** of total assets at March 31, 2020, totaling $56.0 million[298](index=298&type=chunk) - Brokered deposits (excluding reciprocal CDARS/ICS) were **$2.09 billion, or 26% of total deposits**, at March 31, 2020[350](index=350&type=chunk) [Liquidity and Capital Resources](index=66&type=section&id=Liquidity%20and%20Capital%20Resources) The company maintained strong liquidity and capital ratios, though the share repurchase program was suspended due to market uncertainty Regulatory Capital Ratios as of March 31, 2020 | Ratio | Company Actual | Minimum for Adequacy (incl. buffer) | To Be Well-Capitalized* | | :--- | :--- | :--- | :--- | | CET1 Capital Ratio | 12.14% | 7.00% | 6.5% | | Tier 1 Capital Ratio | 12.14% | 8.50% | 8.0% | | Total Capital Ratio | 15.44% | 10.50% | 10.0% | | Tier 1 Leverage Ratio | 11.33% | 4.00% | 5.0% | *Applies to Bank only - The company **suspended its share repurchase program** due to COVID-19 uncertainty after repurchasing 1,193,052 shares in Q1 2020 at an average price of $37.31[337](index=337&type=chunk)[406](index=406&type=chunk) - The company has elected to adopt the interim final rule providing a **two-year delay followed by a three-year phase-in for the regulatory capital impact of CECL**[413](index=413&type=chunk) [Quantitative and Qualitative Disclosures About Market Risk](index=70&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) The company manages interest rate risk via its ALCO, with simulations showing moderate sensitivity to rate changes Interest Rate Sensitivity Analysis (Next 12 Months) | Change in Interest Rates (bps) | % Change in Net Interest Income | % Change in Net Income | % Change in Market Value of Portfolio Equity | | :--- | :--- | :--- | :--- | | +200 | +7.2% | +12.7% | +10.6% | | +100 | +2.8% | +4.9% | +6.1% | | -100 | -6.0% | -10.4% | -16.6% | - At March 31, 2020, **61% of the total loan portfolio consisted of variable and adjustable rate loans**, providing some protection in a rising rate environment[373](index=373&type=chunk)[375](index=375&type=chunk) - The cumulative 12-month GAP position was **negative $269 million (3% of total assets)**, a shift from a positive GAP at year-end 2019, indicating a more liability-sensitive stance[392](index=392&type=chunk) [Controls and Procedures](index=70&type=section&id=Item%204.%20Controls%20and%20Procedures) Disclosure controls were deemed ineffective as of March 31, 2020, due to a previously identified material weakness - Management concluded that **disclosure controls and procedures were not effective** as of March 31, 2020, due to a previously disclosed material weakness[418](index=418&type=chunk) - **Remediation efforts are ongoing** and include restructuring the Board, hiring a new Chief Legal Officer, enhancing policies for related party transactions, and reinforcing the risk management function[421](index=421&type=chunk) PART II. OTHER INFORMATION [Legal Proceedings](index=72&type=section&id=Item%201.%20Legal%20Proceedings) The company is involved in a class action lawsuit and regulatory investigations related to internal controls and other matters - A putative class action lawsuit filed in July 2019 alleges violations of the Securities Exchange Act related to **disclosures about internal controls and related party loans**[426](index=426&type=chunk) - The company has received various subpoenas and document requests from regulators and U.S. Attorney's offices in connection with **investigations into related party transactions** and other matters[427](index=427&type=chunk) [Risk Factors](index=72&type=section&id=Item%201A.%20Risk%20Factors) Key risks include adverse impacts from the COVID-19 pandemic on credit quality, capital, and operational stability - The COVID-19 pandemic is expected to have **significant adverse impacts on loan credit quality**, especially within the Accommodation & Food Service (9.7% of portfolio) and Retail Trade (1.1% of portfolio) industries[428](index=428&type=chunk)[431](index=431&type=chunk) - The **CECL methodology, combined with economic uncertainty** from the pandemic, may lead to increased and more volatile provisions for credit losses[432](index=432&type=chunk) - **Operational risks are heightened** due to remote work arrangements, including increased cybersecurity threats and potential disruptions from third-party service providers[439](index=439&type=chunk)[440](index=440&type=chunk) [Unregistered Sales of Equity Securities and Use of Proceeds](index=74&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) The company repurchased 1.2 million shares in Q1 2020 before suspending its buyback program due to market uncertainty Issuer Purchases of Equity Securities (Q1 2020) | Period | Total Shares Purchased | Average Price Paid Per Share | | :--- | :--- | :--- | | Jan 1-31, 2020 | 219,812 | $44.47 | | Feb 1-29, 2020 | 343,211 | $44.65 | | Mar 1-31, 2020 | 630,029 | $30.93 | | **Total** | **1,193,052** | **$37.31** | [Defaults Upon Senior Securities](index=75&type=section&id=Item%203.%20Defaults%20Upon%20Senior%20Securities) No defaults upon senior securities were reported during the period - **No defaults upon senior securities** were reported for the period[445](index=445&type=chunk) [Mine Safety Disclosures](index=75&type=section&id=Item%204.%20Mine%20Safety%20Disclosures) This section is not applicable to the company's operations - This item is **not applicable** to the company[445](index=445&type=chunk) [Other Information](index=75&type=section&id=Item%205.%20Other%20Information) No other material information was required to be disclosed for the period - **No other information** was required to be disclosed under this item[445](index=445&type=chunk) [Exhibits](index=75&type=section&id=Item%206.%20Exhibits) This section lists all exhibits filed with the Form 10-Q, including certifications and various corporate agreements

Eagle Bancorp, Inc. (NASDAQ:EGBN) Q1 2020 Earnings Conference Call April 23, 2020 10:00 AM ET Company Participants Charles Levingston - Executive Vice President and Chief Financial Officer of Eagle Bancorp, Inc. and EagleBank Susan Riel - President and Chief Executive Officer of Eagle Bancorp, Inc., President and Chief Executive Officer of EagleBank Janice Williams - Executive Vice President of Eagle Bancorp, Inc., Senior Executive Vice President and Chief Credit Officer of EagleBank Conference Call Partici ...

Part I [Business](index=4&type=section&id=Item%201.%20Business) Eagle Bancorp, Inc. operates EagleBank, a D.C. metro area community bank focused on commercial real estate lending, subject to extensive regulation - Eagle Bancorp, Inc. is the holding company for **EagleBank**, operating **20 banking offices** across Suburban Maryland, D.C., and Northern Virginia[12](index=12&type=chunk)[13](index=13&type=chunk) - The loan portfolio is heavily concentrated in commercial real estate, with **78%** in CRE loans and **85%** of all loans secured by real estate at year-end 2019[25](index=25&type=chunk)[361](index=361&type=chunk) - The company is subject to extensive regulation by the **Federal Reserve Board** and **Maryland Office of Financial Regulation**, covering capital requirements, lending, and consumer protection[69](index=69&type=chunk)[70](index=70&type=chunk)[77](index=77&type=chunk) Loan Portfolio Composition (December 31, 2019) | Loan Category | Amount (in thousands) | % of Total | | :--- | :--- | :--- | | Commercial | $1,545,906 | 20% | | Income producing - commercial real estate | $3,702,747 | 50% | | Owner occupied - commercial real estate | $985,409 | 13% | | Real estate mortgage - residential | $104,221 | 1% | | Construction - commercial and residential | $1,035,754 | 14% | | Construction - C&I (owner occupied) | $89,490 | 1% | | Home equity & Other consumer | $82,221 | 1% | | **Total Loans** | **$7,545,748** | **100%** | [Risk Factors](index=29&type=section&id=Item%201A.%20Risk%20Factors) The company faces market, operational, and regulatory risks, including stock price volatility, high CRE loan concentration, litigation, and cybersecurity threats - The company's stock price may fluctuate significantly due to factors such as operating results, analyst reports, strategic actions, and general market conditions, with short seller reports previously causing significant declines[133](index=133&type=chunk)[136](index=136&type=chunk) - A substantial portion of the loan portfolio (**85%** at Dec 31, 2019) is secured by real estate, primarily commercial real estate in the Washington, D.C. area, exposing the company to local market risks[175](index=175&type=chunk) - The adoption of the Current Expected Credit Loss (CECL) model, effective January 1, 2020, is expected to materially affect the allowance for credit losses and may create more volatility, with an anticipated one-time **10% to 20%** increase in its reserve upon adoption[152](index=152&type=chunk)[153](index=153&type=chunk) - The company is subject to litigation and regulatory actions, including ongoing investigations by securities and banking regulators and U.S. Attorney's offices, which could result in significant fines or restrictions[184](index=184&type=chunk)[185](index=185&type=chunk) - Operations are increasingly conducted electronically, increasing risks related to cybersecurity, where a breach could result in remediation costs, regulatory penalties, litigation, and reputational damage[210](index=210&type=chunk)[211](index=211&type=chunk)[212](index=212&type=chunk) [Unresolved Staff Comments](index=49&type=section&id=Item%201B.%20Unresolved%20Staff%20Comments) The company reports no unresolved staff comments from the Securities and Exchange Commission - None[219](index=219&type=chunk) [Properties](index=50&type=section&id=Item%202.%20Properties) The company operates from 30 leased facilities, including 20 branch offices and corporate centers across Suburban Maryland, Northern Virginia, and D.C - All properties from which the Company operates are leased, including **20 branch offices**, executive offices, commercial lending centers, and residential lending centers as of December 31, 2019[220](index=220&type=chunk)[224](index=224&type=chunk) [Legal Proceedings](index=51&type=section&id=Item%203.%20Legal%20Proceedings) The company is involved in a class-action lawsuit and ongoing regulatory investigations concerning internal controls, related-party loans, and former officer conduct - A putative class action lawsuit was filed against the Company in July 2019, alleging violations of the Securities Exchange Act of 1934 related to disclosures about internal controls and related party loans[226](index=226&type=chunk)[227](index=227&type=chunk) - The Company has received document requests and subpoenas from securities and banking regulators and U.S. Attorney's offices, believed to relate to related party transactions, the retirement of former officers/directors, and relationships with a local public official[228](index=228&type=chunk) [Mine Safety Disclosures](index=52&type=section&id=Item%204.%20Mine%20Safety%20Disclosures) This item is not applicable to the company - Not applicable[229](index=229&type=chunk) Part II [Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities](index=52&type=section&id=Item%205.%20Market%20for%20Registrant's%20Common%20Equity%2C%20Related%20Stockholder%20Matters%20and%20Issuer%20Purchases%20of%20Equity%20Securities) The company's common stock trades on Nasdaq (EGBN), initiated a quarterly dividend, and authorized a share repurchase program for up to **1.64 million** shares - The Company's common stock is listed on the **Nasdaq Capital Market** under the symbol "**EGBN**"[231](index=231&type=chunk) - In the second quarter of 2019, the Company began paying a regular quarterly dividend of **$0.22 per share**, totaling **$0.66 per share** for the year[232](index=232&type=chunk) Issuer Repurchases of Common Stock (Q4 2019) | Period | Total Shares Purchased | Average Price Paid Per Share | Shares Purchased as Part of Publicly Announced Program | | :--- | :--- | :--- | :--- | | Oct 2019 | 160,707 | $44.52 | 141,000 | | Nov 2019 | 283,500 | $44.68 | 283,500 | | Dec 2019 | 57,800 | $44.30 | 57,800 | | **Total** | **502,007** | **$44.59** | **482,300** | - On December 18, 2019, the Board extended and expanded the stock repurchase program, authorizing the purchase of up to **1,641,000 shares** through December 31, 2020[240](index=240&type=chunk) [Selected Financial Data](index=56&type=section&id=Item%206.%20Selected%20Financial%20Data) This section presents a five-year summary of key consolidated financial data, including balance sheet, income statement, per-share metrics, and performance ratios Selected Financial Data (2015-2019) | (in thousands) | 2019 | 2018 | 2017 | 2016 | 2015 | | :--- | :--- | :--- | :--- | :--- | :--- | | Total Assets | $8,988,719 | $8,389,137 | $7,479,029 | $6,890,096 | $6,075,577 | | Loans | $7,545,748 | $6,991,447 | $6,411,528 | $5,677,893 | $4,998,368 | | Deposits | $7,224,391 | $6,974,285 | $5,853,984 | $5,716,114 | $5,158,444 | | Total Shareholders' Equity | $1,190,681 | $1,108,941 | $950,438 | $842,799 | $738,601 | | Net Income | $142,943 | $152,276 | $100,232 | $97,707 | $84,167 | Selected Performance Ratios (2015-2019) | Ratio | 2019 | 2018 | 2017 | 2016 | 2015 | | :--- | :--- | :--- | :--- | :--- | :--- | | Net Interest Margin | 3.77% | 4.10% | 4.15% | 4.16% | 4.33% | | Efficiency Ratio | 39.99% | 37.31% | 37.84% | 40.29% | 42.49% | | Return on Average Assets | 1.61% | 1.91% | 1.41% | 1.52% | 1.49% | | Return on Average Common Equity | 12.20% | 14.89% | 11.06% | 12.27% | 12.32% | [Management's Discussion and Analysis of Financial Condition and Results of Operations](index=60&type=section&id=Item%207.%20Management's%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Net income decreased **6%** to **$142.9 million** in 2019 due to margin compression and higher expenses, despite **7%** asset growth to **$8.99 billion** and strong capital - Net income for 2019 was **$142.9 million** (**$4.18** per diluted share), a **6%** decrease from **$152.3 million** (**$4.42** per diluted share) in 2018[293](index=293&type=chunk)[296](index=296&type=chunk) - The net interest margin decreased by **33 basis points** to **3.77%** in 2019 from **4.10%** in 2018, driven by a **43 basis point** decrease in the net interest spread as the cost of interest-bearing liabilities increased[299](index=299&type=chunk)[300](index=300&type=chunk)[301](index=301&type=chunk) - Noninterest expense increased **10%** to **$139.9 million** in 2019, primarily due to **$8.2 million** in nonrecurring charges for accelerated share-based compensation related to executive retirements and a **25%** increase in legal and professional fees associated with government investigations[306](index=306&type=chunk)[336](index=336&type=chunk)[339](index=339&type=chunk) - Total assets grew **7%** to **$8.99 billion** at year-end 2019, while total loans increased **8%** to **$7.55 billion**, and the company's capital ratios remained well above regulatory requirements for "well capitalized" status[344](index=344&type=chunk)[346](index=346&type=chunk) [Quantitative and Qualitative Disclosures About Market Risk](index=110&type=section&id=Item%207A.%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) The company manages interest rate risk through ALCO, showing moderate asset sensitivity with a projected **5.1%** net interest income increase from a **100 bps** rate hike - The company's **Asset Liability Committee (ALCO)** monitors and manages interest rate risk through established policies and regular reviews[485](index=485&type=chunk) Interest Rate Sensitivity Analysis (as of Dec 31, 2019) | Change in Interest Rates (bps) | % Change in Net Interest Income (12 mo.) | % Change in Net Income (12 mo.) | | :--- | :--- | :--- | | +400 | +20.9% | +36.2% | | +200 | +10.4% | +18.0% | | +100 | +5.1% | +8.8% | | (100) | -3.2% | -5.6% | | (200) | -7.7% | -13.3% | - At December 31, 2019, the company had a **positive cumulative GAP position of $243 million** (**3% of total assets**) within 12 months, indicating that more assets than liabilities would reprice in a rising rate environment over that period[510](index=510&type=chunk) [Financial Statements and Supplementary Data](index=118&type=section&id=Item%208.%20Financial%20Statements%20and%20Supplementary%20Data) This section contains audited 2019 financial statements, with an unqualified auditor opinion on financials but an adverse opinion on internal controls due to a material weakness - The independent auditor, **Dixon Hughes Goodman LLP**, issued an **unqualified opinion** on the consolidated financial statements, stating they present fairly, in all material respects, the financial position of the Company[521](index=521&type=chunk) - The auditor issued an **adverse opinion** on the Company's internal control over financial reporting as of December 31, 2019, due to a **material weakness** related to "**tone at the top**" issues that contributed to a control environment insufficiently tailored to the culture of deference afforded to the former CEO[543](index=543&type=chunk)[859](index=859&type=chunk) Consolidated Balance Sheet Highlights (in thousands) | | Dec 31, 2019 | Dec 31, 2018 | | :--- | :--- | :--- | | **Assets** | | | | Total Loans, net | $7,472,090 | $6,921,503 | | Total Assets | $8,988,719 | $8,389,137 | | **Liabilities & Equity** | | | | Total Deposits | $7,224,391 | $6,974,285 | | Total Liabilities | $7,798,038 | $7,280,196 | | Total Shareholders' Equity | $1,190,681 | $1,108,941 | Consolidated Statement of Operations Highlights (in thousands) | | 2019 | 2018 | 2017 | | :--- | :--- | :--- | :--- | | Net Interest Income | $324,045 | $316,993 | $283,887 | | Provision for Credit Losses | $13,091 | $8,660 | $8,971 | | Noninterest Income | $25,699 | $22,586 | $29,372 | | Noninterest Expense | $139,862 | $126,711 | $118,552 | | **Net Income** | **$142,943** | **$152,276** | **$100,232** | [Changes in and Disagreements With Accountants on Accounting and Financial Disclosure](index=196&type=section&id=Item%209.%20Changes%20in%20and%20Disagreements%20With%20Accountants%20on%20Accounting%20and%20Financial%20Disclosure) The company reports no changes in or disagreements with its accountants on accounting and financial disclosures - None[851](index=851&type=chunk) [Controls and Procedures](index=196&type=section&id=Item%209A.%20Controls%20and%20Procedures) Management concluded disclosure controls were ineffective due to a material weakness from "tone at the top" issues related to the former CEO, impacting related-party loan and vendor contract reviews, with remediation efforts ongoing - Management concluded that due to a **material weakness** in internal control over financial reporting, the Company's **disclosure controls and procedures were not effective** as of December 31, 2019[852](index=852&type=chunk) - The **material weakness** stemmed from "**tone at the top**" issues contributing to a control environment insufficiently tailored to the culture of deference for the former Chairman, President and CEO, manifesting in deficiencies related to communication, review of related party loans, and review of vendor contracts[859](index=859&type=chunk) - Remediation efforts undertaken in 2019 include splitting the **Chairman and CEO roles**, restructuring the Board, hiring a new **Chief Legal Officer**, formalizing the ethics program, and enhancing policies for related party transactions and vendor contracts[863](index=863&type=chunk) [Other Information](index=199&type=section&id=Item%209B.%20Other%20Information) The company reports no other information for this item - None[866](index=866&type=chunk) Part III [Directors, Executive Officers and Corporate Governance](index=199&type=section&id=Item%2010.%20Directors%2C%20Executive%20Officers%20and%20Corporate%20Governance) Information on directors, executive officers, and corporate governance is incorporated by reference from the company's 2020 definitive proxy statement - The information required by this item is incorporated by reference from the Company's definitive Proxy Statement for the Annual Meeting of Shareholders to be held on May 21, 2020[868](index=868&type=chunk) [Executive Compensation](index=199&type=section&id=Item%2011.%20Executive%20Compensation) Executive compensation details, including director compensation, are incorporated by reference from the company's 2020 definitive proxy statement - The information required by this item is incorporated by reference from the Company's definitive Proxy Statement[869](index=869&type=chunk) [Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters](index=199&type=section&id=Item%2012.%20Security%20Ownership%20of%20Certain%20Beneficial%20Owners%20and%20Management%20and%20Related%20Stockholder%20Matters) This section provides information on securities authorized for issuance under equity compensation plans, with further details incorporated from the 2020 proxy statement Equity Compensation Plan Information (as of Dec 31, 2019) | Plan Category | Securities to be Issued Upon Exercise (a) | Weighted-Average Exercise Price (b) | Securities Available for Future Issuance (c) | | :--- | :--- | :--- | :--- | | Equity compensation plans approved by security holders | 6,589 | $19.99 | 1,059,207 | | Equity compensation plans not approved by security holders | 0 | $0 | 0 | | **Total** | **6,589** | **$19.99** | **1,059,207** | [Certain Relationships and Related Transactions, and Director Independence](index=200&type=section&id=Item%2013.%20Certain%20Relationships%20and%20Related%20Transactions%2C%20and%20Director%20Independence) Information on related party transactions and director independence is incorporated by reference from the company's 2020 definitive proxy statement - The information required by this item is incorporated by reference from the Company's definitive Proxy Statement[875](index=875&type=chunk) [Principal Accountant Fees and Services](index=200&type=section&id=Item%2014.%20Principal%20Accountant%20Fees%20and%20Services) Details on principal accountant fees and services are incorporated by reference from the company's 2020 definitive proxy statement - The information required by this item is incorporated by reference from the Company's definitive Proxy Statement[876](index=876&type=chunk) Part IV [Exhibits, Financial Statement Schedules](index=200&type=section&id=Item%2015.%20Exhibits%2C%20Financial%20Statement%20Schedules) This section lists all financial statements, schedules, and exhibits filed as part of the Form 10-K report, including key corporate documents and SEC certifications - This section lists all financial statements and exhibits filed with the annual report, with all financial statement schedules omitted as the required information is either inapplicable or included elsewhere in the report[877](index=877&type=chunk)

Eagle Bancorp, Inc. (NASDAQ:EGBN) Q4 2019 Earnings Conference Call January 16, 2020 10:00 AM ET Company Participants Charles Levingston - CFO Susan Riel - President & CEO Jan Williams - CCO Conference Call Participants Casey Whitman - Piper Sandler Joe Gladue - Alden Securities Catherine Mealor - KBW Brody Preston - Stephens, Inc. Christopher Marinac - Janney Montgomery Scott Steve Comery - G. Research Erik Zwick – Boenning & Scattergood Operator Ladies and gentlemen, thank you for standing by, and welcome ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 | --- | --- | |--------------------------------------------------------------------------------------------|-----------------------------------------------------| | | | | For the transiti ...

Eagle Bancorp, Inc. (NASDAQ:EGBN) Q3 2019 Earnings Conference Call October 17, 2019 10:00 AM ET Company Participants Charles Levingston - CFO Norman Pozez - Chairman Susan Riel - President & CEO Jan Williams - Chief Credit Officer Conference Call Participants Catherine Mealor - KBW Casey Whitman - Sandler O'Neill Christopher Marinac - Janney Montgomery Steven Comery - G. Research Erik Zwick - Boenning & Scattergood Operator Ladies and gentlemen, thank you for standing by and welcome to The Eagle Bancorp Inc ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 | --- | --- | |----------------------------------------------------------------------------------------------|-----------------------------------------------------| | | | | For the transition ...

Eagle Bancorp, Inc. (NASDAQ:EGBN) Q2 2019 Earnings Conference Call July 18, 2019 10:00 AM ET Company Participants Charles Levingston - CFO Norman Pozez - Chairman Susan Riel - President & CEO Jan Williams - Chief Credit Officer Conference Call Participants Austin Nicholas - Stephens Casey Whitman - Sandler O'Neill Catherine Mealor - KBW Joe Gladue - Alden Securities Christopher Marinac - FIG Partners Steven Comery - G. Research Brody Preston - Piper Jaffray Operator Good day, ladies and gentlemen, and thank ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to_________ Commission File Number 0-25923 Eagle Bancorp, Inc. (Exact name of registrant as specified in its charter) Maryland 52-2061461 (State or other jurisd ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2018 ☐ Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from _________ to _________ Commission file number: 0-25923 Eagle Bancorp, Inc. (Exact name of registrant as specified in its charter) Maryland (State or other jurisdiction of incorp ...