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 ...

Eagle Bancorp, Inc. (NASDAQ:EGBN) Q1 2021 Earnings Conference Call April 22, 2021 10:00 AM ET Company Participants Charles Levingston - EVP & CFO Susan Riel - President, CEO & Director Janice Williams - EVP Conference Call Participants Casey Whitman - Piper Sandler & Co. Steven Comery - G. Research Stuart Lotz - KBW Samuel Varga - Stephens Inc. Operator Hello, and welcome to the Eagle Bancorp, Inc. First Quarter 2021 Earnings Call. Please note that today's meeting is being recorded. [Operator Instructions]. ...

Part I [Business](index=4&type=section&id=Item%201.%20Business) Eagle Bancorp, Inc. operates EagleBank, a community bank focused on relationship banking for businesses in the Washington, D.C. metro area, with a significant commercial real estate loan concentration - Eagle Bancorp, Inc. is the holding company for EagleBank, a Maryland-chartered commercial bank operating **20** offices across Suburban Maryland, the District of Columbia, and Northern Virginia[9](index=9&type=chunk)[10](index=10&type=chunk) - The Bank's business model is centered on providing personalized, relationship-based banking services as an alternative to larger super-regional institutions in its market[11](index=11&type=chunk) Loan Portfolio Composition (as of December 31, 2020) | Loan Category | Percentage of Portfolio | | :--- | :--- | | Commercial Real Estate (Non-owner occupied) & Construction | 58% | | Commercial & Industrial (C&I) | 19% | | Commercial Real Estate (Owner occupied) & Construction | 15% | | Paycheck Protection Program (PPP) | 6% | | Consumer (Home Equity, Residential Mortgage, etc.) | 2% | - The company participated in the Paycheck Protection Program (PPP) in 2020, a federal lending program administered through the SBA to support small businesses during the COVID-19 pandemic[18](index=18&type=chunk) - As of December 31, 2020, the company employed **515** full and part-time employees, with women representing **59%** and racial and ethnic minorities representing **61%** of the workforce[66](index=66&type=chunk)[68](index=68&type=chunk) - The company and the bank are subject to comprehensive regulation and supervision by the Federal Reserve Board and the State of Maryland Office of Financial Regulation, covering aspects like capital adequacy, lending, and deposit activities[76](index=76&type=chunk)[83](index=83&type=chunk) [Risk Factors](index=23&type=section&id=Item%201A.%20Risk%20Factors) The company faces significant risks from the COVID-19 pandemic, high commercial real estate loan concentration, liquidity, increasing regulatory scrutiny, and cybersecurity threats - The COVID-19 pandemic poses a significant risk, adversely affecting customer creditworthiness, loan quality, and operational stability, with the Accommodation and Food Service industry (**10%** of the loan portfolio) particularly impacted[138](index=138&type=chunk)[140](index=140&type=chunk) - A substantial portion of the loan portfolio (**85%** secured by real estate) is concentrated in commercial real estate within the Washington, D.C. metropolitan area, creating a greater risk of defaults if the regional real estate market or economy deteriorates[165](index=165&type=chunk) - The company faces liquidity risk, as its largest funding source is customer deposits; a significant withdrawal of uninsured deposits (which were **$3.3 billion**, or **36%** of total deposits, at year-end) could force reliance on more expensive funding sources[160](index=160&type=chunk)[161](index=161&type=chunk) - As the company's assets approach and exceed **$10 billion**, it may become subject to additional and more stringent regulation and supervision by the Consumer Financial Protection Bureau (CFPB), which could increase compliance costs[196](index=196&type=chunk) - The company is exposed to cybersecurity risks, including attacks on its systems or those of its vendors, which could lead to financial losses, remediation costs, and reputational damage[220](index=220&type=chunk)[221](index=221&type=chunk) - The adoption of the Current Expected Credit Loss (CECL) accounting standard on January 1, 2020, introduces more volatility to the allowance for credit losses, as it requires estimating lifetime expected losses based on inherently subjective and complex forecasts[215](index=215&type=chunk)[217](index=217&type=chunk) [Unresolved Staff Comments](index=36&type=section&id=Item%201B.%20Unresolved%20Staff%20Comments) The company has no unresolved staff comments from the Securities and Exchange Commission - There are no unresolved staff comments[229](index=229&type=chunk) [Properties](index=36&type=section&id=Item%202.%20Properties) The company operates **30** leased facilities, including its principal office in Bethesda, Maryland, across the Washington, D.C. metropolitan area - The company operates out of **30** leased facilities, including its principal office in Bethesda, Maryland, and various branch and operating locations in Washington, D.C., Suburban Maryland, and Northern Virginia[229](index=229&type=chunk) [Legal Proceedings](index=36&type=section&id=Item%203.%20Legal%20Proceedings) The company is involved in routine legal proceedings, which management does not expect to have a material financial impact - The company is involved in various legal proceedings in the ordinary course of business but does not expect them to have a material financial impact[231](index=231&type=chunk)[232](index=232&type=chunk) [Mine Safety Disclosures](index=37&type=section&id=Item%204.%20Mine%20Safety%20Disclosures) This item is not applicable to the company - Not applicable[233](index=233&type=chunk) Part II [Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities](index=37&type=section&id=Item%205.%20Market%20for%20Registrant%27s%20Common%20Equity%2C%20Related%20Stockholder%20Matters%20and%20Issuer%20Purchases%20of%20Equity%20Securities) The company's common stock trades on Nasdaq, declared **$0.88** per share in dividends in 2020, and repurchased **458,069** shares in Q4 2020 - The company's common stock is listed on the Nasdaq Capital Market under the symbol 'EGBN', with **31,783,355** shares outstanding as of February 1, 2021[235](index=235&type=chunk) - In 2020, the company declared aggregate cash dividends of **$0.88** per share, totaling **$28.3 million**[236](index=236&type=chunk) Issuer Repurchases of Common Stock (Q4 2020) | Period | Total Shares Purchased | Average Price Paid Per Share | | :--- | :--- | :--- | | October 2020 | — | n/a | | November 2020 | 371,300 | $37.46 | | December 2020 | 86,769 | $38.51 | | **Total Q4** | **458,069** | **$37.66** | - A new share repurchase program was authorized on December 16, 2020, for up to **1,588,848** shares, effective from January 1, 2021, through December 31, 2021[242](index=242&type=chunk) [Selected Financial Data](index=39&type=section&id=Item%206.%20Selected%20Financial%20Data) In 2020, total assets grew to **$11.1 billion** and deposits to **$9.2 billion**, while net income decreased to **$132.2 million** due to higher credit loss provisions Selected Historical Financial Data (2018-2020) | (in thousands) | 2020 | 2019 | 2018 | | :--- | :--- | :--- | :--- | | **Balance Sheet Data** | | | | | Total Assets | $11,117,802 | $8,988,719 | $8,389,137 | | Loans | $7,760,212 | $7,545,748 | $6,991,447 | | Deposits | $9,189,203 | $7,224,391 | $6,974,285 | | Total Shareholders' Equity | $1,240,892 | $1,190,681 | $1,108,941 | | **Income Statement Data** | | | | | Net Interest Income | $321,562 | $324,045 | $316,993 | | Provision for Credit Losses | $45,571 | $13,091 | $8,660 | | Net Income | $132,217 | $142,943 | $152,276 | Key Performance Ratios (2018-2020) | Ratio | 2020 | 2019 | 2018 | | :--- | :--- | :--- | :--- | | Net Interest Margin | 3.19% | 3.77% | 4.10% | | Efficiency Ratio | 39.25% | 39.99% | 37.31% | | Return on Average Assets | 1.28% | 1.61% | 1.91% | | Return on Average Common Equity | 10.98% | 12.20% | 14.89% | | Net Charge-offs to Average Loans | 0.26% | 0.13% | 0.05% | - The company uses non-GAAP financial measures such as tangible common equity, tangible book value per common share, and efficiency ratio, which management believes are useful for investors in analyzing performance[250](index=250&type=chunk)[257](index=257&type=chunk) [Management's Discussion and Analysis of Financial Condition and Results of Operations](index=43&type=section&id=Item%207.%20Management%27s%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) 2020 financial performance was impacted by COVID-19 and CECL adoption, resulting in decreased net income to **$132.2 million** despite significant asset and deposit growth - The COVID-19 pandemic led to unprecedented economic disruption, prompting the company to implement loan modification programs, participate in the PPP, and adapt business practices[278](index=278&type=chunk)[279](index=279&type=chunk)[282](index=282&type=chunk) Key Financial Results (2020 vs. 2019) | Metric | 2020 | 2019 | | :--- | :--- | :--- | | Net Income | $132.2M | $142.9M | | Diluted EPS | $4.09 | $4.18 | | Net Interest Margin | 3.19% | 3.77% | | Provision for Credit Losses | $45.6M | $13.1M | | Noninterest Income | $45.7M | $25.7M | | Total Assets (Year-End) | $11.1B | $9.0B | - The adoption of the CECL accounting standard on January 1, 2020, required an initial **$10.6 million** increase to the Allowance for Credit Losses (ACL) and contributed to higher provision expense throughout the year[291](index=291&type=chunk)[337](index=337&type=chunk) - Nonperforming assets increased to **$65.9 million** (**0.59%** of total assets) at year-end 2020, up from **$50.2 million** (**0.56%** of total assets) at year-end 2019[408](index=408&type=chunk) - The company's capital position remained strong, with a Total risk-based capital ratio of **17.04%** at December 31, 2020, well in excess of regulatory requirements for a well-capitalized institution[367](index=367&type=chunk) [Quantitative and Qualitative Disclosures about Market Risk](index=77&type=section&id=Item%207A.%20Quantitative%20and%20Qualitative%20Disclosures%20about%20Market%20Risk) The company's primary market risk is interest rate risk, managed by ALCO, showing a moderately asset-sensitive position with a **1.6%** projected net interest income increase from a **100** bps rate rise - The company's primary market risk is interest rate risk, which is managed by the Asset/Liability Committee (ALCO) through established policies and regular monitoring[511](index=511&type=chunk) Interest Rate Sensitivity Analysis (as of December 31, 2020) | Change in Interest Rates (bps) | % Change in Net Interest Income (12 months) | % Change in Net Income (12 months) | % Change in Market Value of Portfolio Equity | | :--- | :--- | :--- | :--- | | +200 | +5.0% | +8.5% | +4.7% | | +100 | +1.6% | +2.8% | +2.8% | | -100 | -1.6% | -2.6% | -11.3% | - At December 31, 2020, the company had a positive cumulative interest rate sensitivity gap of **$352 million** (**3%** of total assets) within one year, indicating a moderately asset-sensitive balance sheet[536](index=536&type=chunk) - The company uses interest rate swaps to manage interest rate risk, with one **$100.0 million** notional swap outstanding at year-end 2020, designated as a cash flow hedge against variable rate deposits[519](index=519&type=chunk) [Financial Statements and Supplementary Data](index=82&type=section&id=Item%208.%20Financial%20Statements%20and%20Supplementary%20Data) This section presents the consolidated financial statements and an unqualified auditor's opinion, highlighting CECL adoption as a critical audit matter due to significant judgments - The independent registered public accounting firm, Dixon Hughes Goodman LLP, issued an unqualified opinion on the consolidated financial statements and the effectiveness of the company's internal control over financial reporting as of December 31, 2020[546](index=546&type=chunk)[561](index=561&type=chunk) - The auditor identified the Allowance for Credit Losses as a critical audit matter due to significant management judgment required in determining historical loss experience, forecasting future economic conditions, and applying qualitative adjustments following CECL adoption[553](index=553&type=chunk)[557](index=557&type=chunk) - The company adopted ASC Topic 326 (CECL) on January 1, 2020, 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, recorded as a cumulative-effect adjustment to retained earnings[548](index=548&type=chunk)[673](index=673&type=chunk) Consolidated Balance Sheet Highlights (December 31, 2020 vs 2019) | (in thousands) | 2020 | 2019 | | :--- | :--- | :--- | | Total Assets | $11,117,802 | $8,988,719 | | Loans, net | $7,650,633 | $7,472,090 | | Total Deposits | $9,189,203 | $7,224,391 | | Total Shareholders' Equity | $1,240,892 | $1,190,681 | Consolidated Income Statement Highlights (2020 vs 2019) | (in thousands) | 2020 | 2019 | | :--- | :--- | :--- | | Net Interest Income | $321,562 | $324,045 | | Provision for Credit Losses | $45,571 | $13,091 | | Noninterest Income | $45,696 | $25,699 | | Net Income | $132,217 | $142,943 | [Changes in and Disagreements with Accountants on Accounting and Financial Disclosure](index=149&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 regarding accounting principles, disclosures, or auditing scope - There were no changes in or disagreements with accountants on accounting and financial disclosures[917](index=917&type=chunk) [Controls and Procedures](index=149&type=section&id=Item%209A.%20Controls%20and%20Procedures) Management concluded disclosure controls were effective as of December 31, 2020, following full remediation of a 2019 material weakness in the control environment - Management concluded that as of December 31, 2020, the company's disclosure controls and procedures were effective[919](index=919&type=chunk) - A material weakness in internal control over financial reporting identified as of December 31, 2019, was fully remediated by December 31, 2020[918](index=918&type=chunk)[928](index=928&type=chunk) - Remediation actions included splitting Chairman/CEO roles, restructuring the Board, hiring a new Chief Legal Officer, enhancing ethics programs, and strengthening related party transaction policies[929](index=929&type=chunk) - The independent registered public accounting firm, Dixon Hughes Goodman LLP, issued an unqualified report on the effectiveness of the company's internal control over financial reporting as of December 31, 2020[926](index=926&type=chunk) [Other Information](index=150&type=section&id=Item%209B.%20Other%20Information) No other information is reported under this item - None[932](index=932&type=chunk) Part III [Directors, Executive Officers and Corporate Governance](index=151&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 2021 Proxy Statement - Information for this item is incorporated by reference from the company's 2021 Proxy Statement[933](index=933&type=chunk) [Executive Compensation](index=151&type=section&id=Item%2011.%20Executive%20Compensation) Information on executive compensation is incorporated by reference from the 2021 Proxy Statement - Information for this item is incorporated by reference from the company's 2021 Proxy Statement[934](index=934&type=chunk) [Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters](index=151&type=section&id=Item%2012.%20Security%20Ownership%20of%20Certain%20Beneficial%20Owners%20and%20Management%20and%20Related%20Stockholder%20Matters) Information on security ownership of beneficial owners and management is incorporated by reference from the 2021 Proxy Statement - Information for this item is incorporated by reference from the company's 2021 Proxy Statement[935](index=935&type=chunk) [Certain Relationships and Related Transactions, and Director Independence](index=151&type=section&id=Item%2013.%20Certain%20Relationships%20and%20Related%20Transactions%2C%20and%20Director%20Independence) Information on certain relationships, related transactions, and director independence is incorporated by reference from the 2021 Proxy Statement - Information for this item is incorporated by reference from the company's 2021 Proxy Statement[936](index=936&type=chunk) [Principal Accountant Fees and Services](index=151&type=section&id=Item%2014.%20Principal%20Accountant%20Fees%20and%20Services) Information on principal accountant fees and services is incorporated by reference from the 2021 Proxy Statement - Information for this item is incorporated by reference from the company's 2021 Proxy Statement[937](index=937&type=chunk) Part IV [Exhibits and Financial Statement Schedules](index=151&type=section&id=Item%2015.%20Exhibits%20and%20Financial%20Statement%20Schedules) This section details the financial statements, schedules, and exhibits filed with the Form 10-K, including an extensive list of corporate governance and material contracts - This section includes the consolidated financial statements and the report of the independent registered public accounting firm, Dixon Hughes Goodman LLP[939](index=939&type=chunk) - A list of exhibits filed with the report is provided, including the Certificate of Incorporation, Bylaws, indentures related to subordinated notes, various employment and compensation agreements, and required certifications[940](index=940&type=chunk)

Eagle Bancorp, Inc. (NASDAQ:EGBN) Q4 2020 Earnings Conference Call January 28, 2021 10:00 AM ET Company Participants Charles Levingston - Chief Financial Officer Susan Riel - President & Chief Executive Officer Jan Williams - Chief Credit Officer Conference Call Participants Casey Whitman - Piper Sandler Steve Comery - G. Research Stuart Lotz - KBW Dave Bishop - Seaport Global Feddie Strickland - Janney Montgomery Operator Ladies and gentlemen thank you for standing by and welcome to the Eagle Bancorp Inc. ...