Financial insights of EGBN

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest and fees on loans	494,807
Interest and dividends on investment securities	43,958
Interest on balances with other banks and short-term investments	65,717
Total interest income	604,482
Interest on deposits	314,655
Interest on customer repurchase agreements	764
Interest on other short-term borrowings	11,086
Interest on long-term borrowings	8,090
Total interest expense	334,595
Net interest income	269,887
Provision for (reversal of) credit losses	293,097
Provision for (reversal of) credit losses for unfunded commitments	1,627
Net interest income (loss) after provision for (reversal of) credit losses	-24,837
Service charges on deposits	7,127
Gain (loss) on sale of loans	-4,687
Net gain (loss) on sale of investment securities	-3,823
Increase in the cash surrender value of bank-owned life insurance	20,372
Other income	10,319
Total noninterest income	29,308
Salaries and employee benefits	87,859
Premises and equipment expenses	12,027
Marketing and advertising	5,016
Data processing	16,574
Legal, accounting and professional fees	10,168
Fdic insurance	31,413
Goodwill impairment	0
Legal contingency (note 19)	10,000
Other expenses	27,598
Total noninterest expense	200,655
Income (loss) before income tax expense	-196,184

Basic EPS	-4.55
Diluted EPS	-4.55
Basic Average Shares	30,347,000
Diluted Average Shares	30,347,000