Eagle Bancorp, Inc. (NASDAQ:EGBN) Q2 2022 Earnings Conference Call July 21, 2022 10:00 AM ET Company Participants Charles Levingston - Chief Financial Officer Susan Riel - President and Chief Executive Officer Jan Williams - Chief Credit Officer Conference Call Participants Catherine Mealor - KBW Christopher Marinac - Janney Montgomery Scott Operator Good day and thank you for standing by. Welcome to the Eagle Bancorp Second Quarter 2022 Earnings Conference Call. At this time all participants are in a liste ...

PART I. FINANCIAL INFORMATION [Item 1. Financial Statements](index=3&type=section&id=Item%201.%20Financial%20Statements) This section presents Eagle Bancorp, Inc.'s unaudited consolidated financial statements for Q1 2022, including balance sheets, income statements, and cash flow data with detailed notes [Consolidated Balance Sheets](index=3&type=section&id=Consolidated%20Balance%20Sheets) Total assets decreased to **$11.23 billion** as of March 31, 2022, driven by reductions in interest-bearing deposits, total liabilities, and shareholders' equity Consolidated Balance Sheet Highlights (in thousands) | Account | March 31, 2022 | December 31, 2021 | | :--- | :--- | :--- | | **Total Assets** | **$11,227,223** | **$11,847,310** | | Loans, net | $7,042,302 | $6,990,633 | | Investment securities (AFS & HTM) | $2,929,032 | $2,623,408 | | Total deposits | $9,586,259 | $9,981,540 | | **Total Liabilities** | **$9,947,669** | **$10,496,535** | | **Total Shareholders' Equity** | **$1,279,554** | **$1,350,775** | [Consolidated Statements of Income](index=4&type=section&id=Consolidated%20Statements%20of%20Income) Net income increased to **$45.7 million** for Q1 2022, primarily due to a significant decrease in noninterest expense, despite declines in net interest and noninterest income Statement of Income Summary (in thousands, except per share data) | Metric | Three Months Ended March 31, 2022 | Three Months Ended March 31, 2021 | | :--- | :--- | :--- | | Net Interest Income | $80,452 | $82,651 | | Reversal of Credit Losses | ($2,787) | ($2,350) | | Total noninterest income | $7,453 | $10,587 | | Total noninterest expense | $31,012 | $37,987 | | **Net Income** | **$45,744** | **$43,469** | | **Diluted EPS** | **$1.42** | **$1.36** | [Consolidated Statements of Comprehensive (Loss) Income](index=5&type=section&id=Consolidated%20Statements%20of%20Comprehensive%20(Loss)%20Income) The company reported a comprehensive loss of **$61.7 million** for Q1 2022, primarily due to a **$107.5 million** other comprehensive loss from unrealized losses on securities Comprehensive (Loss) Income (in thousands) | Component | Three Months Ended March 31, 2022 | Three Months Ended March 31, 2021 | | :--- | :--- | :--- | | Net Income | $45,744 | $43,469 | | Other comprehensive loss | ($107,482) | ($17,498) | | **Comprehensive (Loss) Income** | **($61,738)** | **$25,971** | [Consolidated Statements of Changes in Shareholders' Equity](index=6&type=section&id=Consolidated%20Statements%20of%20Changes%20in%20Shareholders'%20Equity) Shareholders' equity decreased by **$71.2 million** in Q1 2022 to **$1.28 billion**, primarily due to a **$107.5 million** other comprehensive loss offsetting net income and dividends Q1 2022 Changes in Shareholders' Equity (in thousands) | Component | Amount | | :--- | :--- | | Balance January 1, 2022 | $1,350,775 | | Net Income | $45,744 | | Other comprehensive loss, net of tax | ($107,482) | | Cash dividends declared ($0.40 per share) | ($12,665) | | Other (Stock comp, etc.) | $3,182 | | **Balance March 31, 2022** | **$1,279,554** | [Consolidated Statements of Cash Flows](index=7&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) Cash and cash equivalents decreased by **$991.8 million** in Q1 2022, driven by significant outflows from investing and financing activities, despite positive cash flow from operations Cash Flow Summary (in thousands) | Activity | Three Months Ended March 31, 2022 | Three Months Ended March 31, 2021 | | :--- | :--- | :--- | | Net Cash Provided by Operating Activities | $60,852 | $11,257 | | Net Cash Used in Investing Activities | ($497,728) | ($2,162) | | Net Cash Used in Financing Activities | ($554,964) | ($54,879) | | **Net Decrease in Cash and Cash Equivalents** | **($991,840)** | **($45,784)** | [Notes to Consolidated Financial Statements](index=8&type=section&id=Notes%20to%20Consolidated%20Financial%20Statements) This section details accounting policies and financial data, including the transfer of **$1.1 billion** in securities, loan portfolio specifics, and updates on legal contingencies and D&O insurance - In Q1 2022, the company transferred **$1.1 billion** of securities from available-for-sale (AFS) to held-to-maturity (HTM), including residential mortgage-backed securities, municipal bonds, and corporate bonds. The related unrealized loss of **$66.2 million** remained in other comprehensive loss to be amortized over the securities' remaining lives[72](index=72&type=chunk) - The Allowance for Credit Losses (ACL) on loans decreased from **$75.0 million** at year-end 2021 to **$71.5 million** at March 31, 2022, reflecting a **$3.0 million** reversal of provision for credit losses during the quarter[81](index=81&type=chunk)[94](index=94&type=chunk) - The company is in discussions with the SEC and Federal Reserve Board staff regarding potential resolutions of ongoing investigations. It warns that its Directors and Officers (D&O) insurance policies, which cover legal defense costs, may be exhausted as early as the second quarter of 2022[178](index=178&type=chunk)[179](index=179&type=chunk)[180](index=180&type=chunk) [Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations (MD&A)](index=43&type=section&id=Item%202.%20Management's%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management discusses Q1 2022 financial performance, highlighting a **5.2%** net income increase to **$45.7 million** driven by reduced noninterest expenses, alongside details on financial condition, capital ratios, and market risk [Results of Operations](index=46&type=section&id=MD%26A_Results_of_Operations) Net income increased to **$45.7 million** in Q1 2022, primarily due to an **18%** decrease in noninterest expense, despite declines in net interest income and noninterest income Q1 2022 vs Q1 2021 Performance | Metric | Q1 2022 | Q1 2021 | | :--- | :--- | :--- | | Net Income | $45.7 million | $43.5 million | | Net Interest Income | $80.5 million | $82.7 million | | Net Interest Margin | 2.65% | 2.98% | | Noninterest Income | $7.5 million | $10.6 million | | Noninterest Expense | $31.0 million | $38.0 million | | Efficiency Ratio | 35.28% | 40.74% | - Noninterest expense decreased significantly due to a **$5.0 million** accrual reduction related to stock-based compensation and deferred compensation for the former CEO, as the company believes related claims are now time-barred[254](index=254&type=chunk) - The company recorded a reversal of credit losses on loans of **$3.0 million** in Q1 2022, compared to a **$2.3 million** reversal in Q1 2021, primarily due to improvements in the economic environment and asset quality[223](index=223&type=chunk) [Financial Condition](index=55&type=section&id=MD%26A_Financial_Condition) Total assets decreased to **$11.2 billion** as of March 31, 2022, while loans remained stable and deposits declined, leading to a **$71.2 million** decrease in shareholders' equity despite strong capital ratios Financial Condition Highlights | Metric | March 31, 2022 | December 31, 2021 | | :--- | :--- | :--- | | Total Assets | $11.2 billion | $11.8 billion | | Total Loans | $7.1 billion | $7.1 billion | | Total Deposits | $9.6 billion | $10.0 billion | | Shareholders' Equity | $1.3 billion | $1.4 billion | | Tangible Book Value Per Share | $36.64 | $38.97 | - The company's capital ratios remain strong, with a Common Equity Tier 1 (CET1) ratio of **14.74%** and a Total Risk-Based Capital ratio of **15.86%**, both well above regulatory requirements[268](index=268&type=chunk)[335](index=335&type=chunk) - The company's concentration in construction, land development, and other land acquisition loans was **110%** of total risk-based capital, exceeding the **100%** regulatory threshold for potential concentration risk, requiring heightened risk management[328](index=328&type=chunk) [Item 3. Quantitative and Qualitative Disclosures About Market Risk](index=67&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) This section refers to Item 2 for market risk disclosures, indicating the company is asset-sensitive with projected net interest income increases in rising rate scenarios, managed through simulation models and gap analysis - The company's market risk disclosures are detailed in the 'Asset/Liability Management and Quantitative and Qualitative Disclosure about Market Risk' section of the MD&A (Item 2)[345](index=345&type=chunk) Interest Rate Sensitivity Analysis (Next 12 Months) | Change in Interest Rates (bps) | % Change in Net Interest Income | % Change in Net Income | | :--- | :--- | :--- | | +400 | 14.5% | 21.8% | | +200 | 6.2% | 9.3% | | +100 | 1.9% | 3.0% | | -100 | (0.3)% | (0.4)% | [Item 4. Controls and Procedures](index=67&type=section&id=Item%204.%20Controls%20and%20Procedures) Management concluded that the company's disclosure controls and procedures were effective as of March 31, 2022, with no material changes to internal control over financial reporting during the quarter - The Chief Executive Officer, Executive Chairman, and Chief Financial Officer concluded that the company's disclosure controls and procedures were effective as of the end of the period[345](index=345&type=chunk) - No changes in internal control over financial reporting occurred during the quarter that have materially affected, or are reasonably likely to materially affect, the company's internal controls[346](index=346&type=chunk) PART II. OTHER INFORMATION [Item 1. Legal Proceedings](index=68&type=section&id=Item%201.%20Legal%20Proceedings) This section refers to Note 11 for details on material pending legal proceedings, including ongoing investigations and the potential exhaustion of D&O insurance coverage - For details on material legal proceedings, the report refers to Note 11 of the Notes to Consolidated Financial Statements[350](index=350&type=chunk) [Item 1A. Risk Factors](index=68&type=section&id=Item%201A.%20Risk%20Factors) The company reports no material changes to the risk factors previously disclosed in its 2021 Annual Report on Form 10-K - There have been no material changes to the company's risk factors from those disclosed in the 2021 Annual Report on Form 10-K[351](index=351&type=chunk) [Item 2. Unregistered Sales of Equity Securities and Use of Proceeds](index=68&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) A new share repurchase program for up to **1.6 million** common shares was authorized for 2022, though no shares were repurchased during Q1 2022 - A new share repurchase program for **1.6 million** shares was authorized for 2022[352](index=352&type=chunk) - No shares were repurchased during the three months ended March 31, 2022[352](index=352&type=chunk) [Item 6. Exhibits](index=69&type=section&id=Item%206.%20Exhibits) This section lists exhibits filed with the quarterly report, including CEO and CFO certifications and interactive data files (XBRL) for financial statements - The exhibits filed include certifications from Susan G. Riel (CEO), Norman R. Pozez (Executive Chairman), and Charles D. Levingston (CFO), as well as Inline XBRL data files[354](index=354&type=chunk) Signatures - The report was duly signed on May 10, 2022, by Susan G. Riel, President and Chief Executive Officer, and Charles D. Levingston, Executive Vice President and Chief Financial Officer[357](index=357&type=chunk)

Financial Data and Key Metrics Changes - Earnings for the quarter were $1.42 per diluted share, an increase of $0.13 from the prior quarter, marking the 89th consecutive profitable quarter [6] - Net income was $45.7 million, up $4.1 million or 9.9% from the prior quarter [19] - Return on average assets was 1.46% and return on average tangible common equity was 14.99% [6] - Total assets decreased by $634 million to $11.2 billion, a decline of 5.4% [19] Business Line Data and Key Metrics Changes - Loans increased by $48.2 million from the prior quarter, driven by commercial real estate (CRE) and commercial and industrial (CNI) lending [6][9] - Non-performing loans were 33 basis points of total loans, with total non-performing loans at $23.8 million [14] - Residential lending volume decreased due to higher rates reducing refinancing incentives, leading to lower gains on sale of mortgage loans [11] Market Data and Key Metrics Changes - The Washington, DC market showed improvement with low unemployment at 3.5% and strong demand in construction and housing [13][14] - The pipeline for loans remained strong with unfunded commitments slightly up to $2.1 billion at quarter-end [11] Company Strategy and Development Direction - The company is focused on maintaining strong credit quality and managing risks, particularly in the hospitality and office sectors [7][16] - There is a commitment to increasing shareholder value through dividends, with a declared dividend of $0.40 per share [12] - The strategy includes deploying excess liquidity into higher-yielding investment securities and loans as rates rise [20][41] Management's Comments on Operating Environment and Future Outlook - Management expressed cautious optimism regarding credit quality and charge-offs, noting low levels of past-due loans [15][50] - The company is monitoring the return-to-office trends and potential impacts on the office portfolio, particularly Class B properties [59] - There is a focus on adapting to the changing economic environment and potential risks associated with the post-pandemic landscape [16][59] Other Important Information - The efficiency ratio improved to 35.3% from 44.3% in the prior quarter, largely due to a one-time reduction in salaries and employee benefits [23] - The company transferred $1.1 billion of securities from available-for-sale to held-to-maturity, which will mitigate future interest rate impacts on equity [24][25] Q&A Session Summary Question: Are you a first mover in increasing deposit rates? - Management indicated they are taking a prudent approach to rate increases, responding to market conditions and competitor actions [32] Question: What is the duration of the held-to-maturity book? - The overall portfolio duration is approximately 5.6 years [34] Question: Is the first-quarter level of core expenses a good starting point? - Management confirmed that the current level of core expenses is reasonable, but future volatility in legal expenses may occur [35][36] Question: How quickly can excess liquidity be deployed? - Management expects to continue deploying excess liquidity into the investment portfolio at a similar pace as the first quarter [41] Question: What percentage of the loan book is floating? - Approximately 57% of the loan book is floating [46] Question: What are the trends in the office portfolio? - Management noted a mixed return-to-office trend, with a cautious outlook on Class B properties in the Central Business District [58]

Financial Performance - Net income for 2021 was $176,691, compared to $132,217 in 2020, reflecting a year-over-year increase of 33.6%[294]. - Net income for 2021 was $176.7 million, a 33.5% increase from $132.2 million in 2020, with earnings per share rising to $5.53 from $4.09[299][300]. - Total revenue for 2021 was $364,899, slightly down from $367,258 in 2020, a decrease of 0.4%[294]. - The efficiency ratio for 2021 was 40.88%, compared to 39.25% in 2020, indicating a decline in operational efficiency[296]. - Noninterest expenses rose by 3% to $149.2 million in 2021 compared to $144.2 million in 2020, resulting in an efficiency ratio of 40.88%[306]. Asset and Loan Management - The Company reported total assets of approximately $11.8 billion, total loans of $7.1 billion, and total deposits of $10.0 billion as of December 31, 2021[271]. - Total assets increased to $11,847,310, up from $11,117,802 in 2020, representing a growth of 6.6%[294]. - Total loans amounted to $7,065,598 thousand, with $2,016,028 thousand due in one year or less, and $3,600,320 thousand due in over one to five years[388]. - Total loan balances decreased by 9% to $9.0 billion at December 31, 2021, with average loans down 8% compared to 2020[308]. - The loan portfolio composition shows that income-producing commercial real estate loans accounted for 48% of total loans, while owner-occupied commercial real estate loans represented 15%[377]. Credit Quality and Losses - The allowance for credit losses decreased to $74,965 from $109,579 in 2020, indicating a reduction of 31.5%[294]. - Nonperforming loans to total loans improved to 0.41% from 0.79% in 2020, showing a significant decrease of 48.1%[296]. - The provision for credit losses in 2021 was a reversal of $20.8 million, compared to a provision of $45.6 million in 2020, reflecting improved asset quality[304]. - The ACL represented 257% of nonperforming loans, an increase from 180% in 2020, indicating improved asset quality[390]. - The Company continues to monitor exposures in the Accommodation and Food Service industry, which represents 8.3% of the loan portfolio[386]. Deposits and Liquidity - Total deposits increased by 9% to $10.0 billion at December 31, 2021, up from $9.2 billion at the end of 2020[358]. - Noninterest bearing demand deposits increased to $3.3 billion, accounting for 33% of total deposits, up from $2.8 billion or 31% in 2020[434]. - The Bank had $7.4 billion in primary and secondary liquidity sources, deemed adequate for current and projected funding needs[453]. - The Bank's liquidity strategy includes maintaining a marketable investment portfolio to provide flexibility for significant liquidity needs[452]. - The Company had $1.7 billion in "IND" brokered deposits as of December 31, 2021, an increase from $1.3 billion in 2020[431]. Capital Position - The Company’s capital position remained strong in 2021, supported by good earnings and improved asset quality, allowing for multiple quarterly dividend increases[268]. - The ratio of common equity to total assets increased to 11.40% at December 31, 2021, up from 11.16% at the end of 2020[312]. - The total risk-based capital ratio was 16.15% at December 31, 2021, down from 17.04% at the end of 2020, reflecting changes in the investment portfolio and risk-weighted assets[360]. - The Company plans to invest an additional $2 million by the end of 2023 to enhance corporate governance and risk compliance[441]. - Management seeks to maintain a capital structure that supports anticipated asset growth and absorbs potential losses[454]. Economic Environment - The U.S. GDP growth for 2021 was 5.7%, a recovery from a 3.4% decrease in 2020 due to the COVID-19 pandemic[263]. - The unemployment rate in the U.S. ended 2021 at 3.9%, down from 6.7% at the end of 2020, indicating a recovery in employment[263]. - The ten-year U.S. Treasury rate averaged 1.45% in 2021, up from 0.88% in 2020, reflecting an increase in longer-term interest rates[264]. - The Washington, D.C. metropolitan area has shown resilience during the pandemic, supported by a stable public sector and increased government spending[266]. - The Company has a concentration in commercial real estate loans, with non-owner-occupied commercial real estate loans representing 320% of consolidated risk-based capital[380].

Eagle Bancorp, Inc. (NASDAQ:EGBN) Q4 2021 Earnings Conference Call January 20, 2022 10:00 AM ET Company Participants Susan Riel - President and CEO Charles Levingston - CFO Jan Williams - Chief Credit Officer Conference Call Participants Casey Whitman - Piper Sandler Catherine Mealor - KBW Brody Preston - Stephens, Inc. Erik Zwick - Boenning & Scattergood, Inc. Operator Hello. Thank you for standing by, and welcome to the Eagle Bancorp Fourth Quarter and Year-End 2021 Earnings Conference Call. At this time ...

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, 2021 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 ...

Eagle Bancorp, Inc. (NASDAQ:EGBN) Q3 2021 Earnings Conference Call October 21, 2021 10:00 AM ET Company Participants Charles Levingston - Chief Financial Officer Susan Riel - President and CEO Jan Williams - Chief Credit Officer Conference Call Participants Casey Whitman - Piper Sandler Catherine Mealor - KBW Brody Preston - Stephens, Inc. Operator Good day, everyone. And welcome to the Eagle Bancorp’s Third Quarter 2021 Earnings Conference Call. At this time, all participants are in a listen-only mode. Fol ...

Financial Performance - Net income for Q2 2021 was $48.0 million, a 66% increase from $28.9 million in Q2 2020, with earnings per share rising to $1.50 from $0.90, a 67% increase [256]. - Total revenue for Q2 2021 was $95.6 million, up from $93.9 million in Q2 2020, driven by net interest income of $84.6 million, which increased from $81.4 million [258]. - The annualized return on average assets (ROAA) for Q2 2021 was 1.68%, compared to 1.12% in Q2 2020, while return on average common equity (ROACE) increased to 14.92% from 9.84% [271]. - The efficiency ratio for Q2 2021 was 37.14%, slightly improved from 37.18% in Q2 2020, indicating effective cost management [264]. - The provision for credit losses decreased to a reversal of $6.2 million for the six months ended June 30, 2021, compared to a provision of $34.0 million for the same period in 2020, primarily due to an improved macroeconomic outlook [280]. - Total noninterest income increased to $21.5 million for the six months ended June 30, 2021, a 20% increase from $18.0 million in the same period in 2020 [281]. Loan and Credit Quality - As of June 30, 2021, the outstanding balance of Paycheck Protection Program (PPP) loans was $238.0 million through 537 business loans, with an average yield of 6.13% for the first six months of 2021 [237]. - The Company sold a total of $169.8 million of PPP loans during the second quarter of 2021, recognizing $4.7 million in accelerated interest income from these sales [237]. - Total loans decreased by 6.5% from $7.8 billion at December 31, 2020, to $7.3 billion at June 30, 2021, with average loans down 3.6% year-over-year [278]. - The Company recorded a negative provision for credit losses for the three months ended June 30, 2021, due to improving economic forecasts and credit quality [242]. - Nonperforming assets totaled $54.5 million at June 30, 2021, representing 0.50% of total assets, down from $65.9 million or 0.59% of total assets at December 31, 2020 [316]. - Total nonperforming loans amounted to $49.5 million at June 30, 2021, which is 0.68% of total loans, compared to $60.9 million or 0.79% of total loans at December 31, 2020 [324]. Deposits and Funding - Average deposits increased by 18.2% for the first six months of 2021 compared to the same period in 2020, despite total deposits being 1.9% lower than at December 31, 2020 [278]. - Total deposits decreased to $9.0 billion as of June 30, 2021, from $9.2 billion at December 31, 2020 [357]. - Noninterest bearing demand deposits grew to $3,175,419 million, compared to $2,566,348 million in the previous year [299]. - The cost of funds decreased to 0.37% from 0.65% year-over-year [299]. Investment Portfolio - The investment portfolio increased by 46.0% to $1.7 billion as of June 30, 2021, due to cash deployment from deposit inflows [355]. - The duration of the investment portfolio increased to 4.3 years at June 30, 2021, from 3.2 years at December 31, 2020 [394]. - The net unrealized gain before income tax on the investment portfolio was $6.7 million at June 30, 2021, down from $21.8 million at June 30, 2020 [397]. Risk Management - The Company has implemented heightened risk management procedures for its commercial real estate portfolio, including periodic stress testing [420]. - The company continues to monitor its concentration in commercial real estate lending to remain compliant with federal guidance [420]. - The Company continues to monitor early signs of deterioration in borrowers' financial conditions to mitigate risk effectively [317]. Capital and Shareholder Returns - The ratio of common equity to total assets increased to 11.92% at June 30, 2021, from 11.16% at December 31, 2020, due to earnings of $91.5 million [289]. - The total risk-based capital ratio improved to 17.98% as of June 30, 2021, up from 17.04% at December 31, 2020 [359]. - The Company initiated a repurchase program allowing for the repurchase of up to 1,588,848 shares, with 1,466 shares repurchased in Q1 2021 for $62,000 [424]. - A quarterly cash dividend of $0.35 per share was announced on June 30, 2021, payable on August 2, 2021 [425].

Eagle Bancorp, Inc. (NASDAQ:EGBN) Q2 2021 Results Conference Call July 22, 2021 10:00 AM ET Company Participants Susan Riel - President and Chief Executive Officer Charles Levingston - Chief Financial Officer Janice Williams - Chief Credit Officer Conference Call Participants Casey Whitman - Piper Sandler David Bishop - Seaport Research Partners Catherine Mealor - KBW Brody Preston - Stephens, Inc Christopher Marinac - Janney Montgomery Scott David Bishop - Seaport Research Partners Operator Good day and th ...

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, 2021 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 o ...