#leverage 5.08

[scleroticstatue]

Leverage Bad Guys by Type

1.01: businessmen

1.02: politicians

1.03: criminals

1.04: businessmen

1.05: businessmen

1.06: businessmen (with minor criminals)

1.07: corporation

1.08: politicians

1.09: criminals (with minor politicians)

1.10: businessmen

1.11: criminals

1.12: businessmen

1.13: businessmen

2.01: businessmen and criminals

2.02: businessmen

2.03: businessmen

2.04: businessmen but also criminals

2.05: newscaster

2.06: businessmen

2.07: criminals with minor businessmen

2.08: businessmen with minor criminals

2.09: businessmen

2.10: criminals but also businessmen

2.11: criminals

2.12: politicians

2.13: businessmen with minor criminals

2.14: politicians

2.15: politicians and criminals

3.01: businessmen

3.02: businessmen

3.03: businessmen

3.04: politicians

3.05: businessmen

3.06: businessmen

3.07: militiamen

3.08: businessmen and criminals

3.09: criminals

3.10: businessmen

3.11: it's complicated

3.12: criminals

3.13: businessmen who're criminals

3.14: businessmen with criminals

3.15: criminals

3.16: politicians and criminals

4.01: businessmen

4.02: businessmen

4.03: businessmen

4.04: criminals

4.05: businessmen

4.06: businessmen but criminals

4.07: businessmen and criminals

4.08: criminals

4.09: businessmen

4.10: scientists

4.11: college kids and politicians

4.12: businessmen

4.13: criminals

4.14: criminals

4.15: criminals

4.16: businessmen

4.17: criminals but it's complicated

4.18: criminals but it's complicated

5.01: businessmen

5.02: businessmen

5.03: businessmen

5.04: businessmen

5.05: businessmen with minor politicians

5.06: criminals

5.07: criminals

5.08: criminals

5.09: criminals

5.10: businessmen

5.11: businessmen

5.12: businessmen

5.13: businessmen

5.14: businessmen but also criminals but also politicians

[keeleysjones]

ALDIS HODGE as ALEC HARDISON in LEVERAGE 5.08

[twins2994]

Minnesota Twins-Chicago White Sox Series Preview

7.8.24-Chris Paddack RHP (5-3) 5.29 ERA Vs. Chris Flexen RHP (2-7) 5.08 ERA

7.9.24-Bailey Ober RHP (8-4) 4.12 ERA Vs. Erick Fedde RHP (6-3) 3.13 ERA

7.10.24-Simeon Woods Richardson RHP (3-1) 3.48 ERA Vs. Drew Thorpe RHP (3-1) 3.71 ERA

The Twins At A Glance- The Twins had a nice homestand, where they went (4-2) and won series from the Tigers and Astros. They head out for the final road trip of the first half in Chicago and San Francisco. Chris Paddack is activated and will start on Monday. Josh Winder was sent back to St. Paul to make room on the roster. Brock Stewart will start a rehab assignment with the Saints this week, while they play in Louisville. Austin Martin was put on the injured list with an oblique strain, which made room for Matt Wallner. Carlos Correa is fine after getting in the hand by a pitch on Sunday. There were no fractures on his fingers. Jose Miranda has been on fire and has hit 14-for-20 (.700) in June. Brooks Lee hasn't needed an adjustment to the big leagues yet. He is hitting .474 in his first five games. Josh Staumont has not allowed a run in nineteen innings of work and needs to see more higher leverage innings.

The White Sox At A Glance- The White Sox are still awful and went (9-19) in May and June. This team could be on pace for the most losses in MLB history at the end of the season. The Sox return home from a six-game road trip, where they went (2-4) against the Indians and Marlins. They return home for a six-game homestand before the All-Star Break. Paul DeJong might be a trade piece before the deadline. He has hit sixteen homers and thirty-six RBI in a resurgent season. There has been a lot of talk about Luis Robert getting traded, but you would need to overpay. Yoan Moncada is going to start a rehab assignment at the Arizona Complex League this week. He could be back up with the big league team at the end of July. Mike Cleavinger is on a rehab assignment working his way back from an elbow/neck injury. Garrett Crochet has had a great year with 146 strikeouts over 105 1/3 innings. He might be the biggest arm traded by the deadline. Michael Kopech is still their close despite a 5.45 ERA.

What To Watch For- The Twins have won all seven meetings against the White Sox in 2024. The last White Sox win over the Twins was on Septeber 16th of last year. Chris Paddack threw seven shutout innings on April 22nd against the Sox. Chris Flexen is (1-2) with a 3.94 ERA in six games against the Twins. Byron Buxton has two career homers off Flexen. Bailey Ober is (4-1) with a 3.63 ERA in eleven games against the Sox. Andrew Vaughn has homered off Ober twice. Erick Fedde gave up a run over six innings in his lone start facing the Twins. Simeon Woods Richardson has a 3.12 ERA in two starts against the White Sox. Drew Thorpe has never faced the Twins. The Twins should be able to pick up a few wins before closing out the first half in San Francisco.

-Chris Kreibich-

[thxnews]

FICO's Q3 2023 Earnings: Impressive Growth

  Robust Financial Performance: GAAP and Non-GAAP Results

FICO, a pioneering predictive analytics and decision management software company, has released its financial results for the third quarter ending June 30, 2023. The company's performance demonstrates substantial growth and success across its two operating segments.   GAAP Results: Positive Financial Indicators In Q3 Fiscal 2023, FICO's net income reached $128.8 million, equivalent to $5.08 per share, showcasing significant growth compared to the prior year period. This impressive performance can be partly attributed to a noncash reduction to income tax expense of $9.5 million associated with the valuation of research and development tax credits. Additionally, net cash provided by operating activities amounted to $122.6 million, reflecting a solid financial position and consistent cash flow generation.   Non-GAAP Results: Strong Momentum Continues The company also reported strong non-GAAP results, with net income reaching $143.4 million and earnings per share at $5.66 for the current quarter. Free cash flow stood at $121.8 million, indicating a robust financial foundation. These non-GAAP financial measures are outlined in the financial table labeled "Non-GAAP Results," providing a comprehensive comparison to GAAP results.  

Revenue Growth in Q3 2023

FICO's Q3 2023 revenues totaled $398.7 million, a remarkable increase from the prior year period's $349.0 million. The company's two operating segments contributed significantly to this growth:   Scores Revenues: Strengthening B2B and B2C Solutions Scores revenues amounted to $201.8 million, with a notable 13% increase from the prior year period. Business-to-business (B2B) revenue surged by 24%, driven by unit price increases despite slight declines in mortgage originations volumes. On the other hand, business-to-consumer (B2C) revenue experienced an 11% decrease due to lower volumes at myFICO.com.   Software Revenues: Leveraging Analytics and Digital Decisioning Software revenues reached $196.9 million, displaying a significant 16% increase from the prior year period. This growth is attributed to augmented recurring and point-in-time revenues, partially offset by a decrease in services revenue. The Software Annual Recurring Revenue saw a substantial 20% year-over-year growth, fueled by 53% platform ARR growth and 11% non-platform growth. Furthermore, the Software Dollar-Based Net Retention Rate for the third quarter stood at an impressive 117%, with platform software at 142% and non-platform software at 109%.  

A Bright Outlook: Upgraded Fiscal 2023 Guidance

FICO is optimistic about its future, updating its previously provided guidance for fiscal 2023:   Positive Revisions: Enhanced Revenue and Earnings Expectations The updated fiscal 2023 guidance demonstrates even more promising expectations, with revenues projected to reach $1.50 billion. Moreover, GAAP net income is now anticipated to be $428 million, leading to a GAAP EPS of $16.90. The company's non-GAAP net income is expected to hit $500 million, translating to a non-GAAP EPS of $19.70. The financial table labeled "Reconciliation of Non-GAAP Guidance" provides detailed insights into these projections.   Conference Call: Sharing Insights and Strategies FICO will host a webcast today at 5:00 p.m. Eastern Time (2:00 p.m. Pacific Time), providing further details on its third-quarter fiscal 2023 results, strategic updates, and operational insights. Investors and stakeholders can access the call via FICO's website at www.fico.com/investors. A replay of the webcast will be available on the Past Events page until August 2, 2024.  

FICO: Empowering Global Prosperity

FICO, founded in 1956, plays a pivotal role in powering decisions that enhance the lives of people and businesses worldwide. Pioneering the use of predictive analytics and data science, FICO's technologies optimize operational decisions, fostering profitability, customer satisfaction, and growth in various industries. With a diverse portfolio of solutions, the company protects payment cards from fraud, extends credit to individuals, and ensures precise logistical operations, among many other essential services in over 120 countries.   Sources: THX News & FICO. Read the full article

[leverage-ot3]

underrated friendship: parker and amy pallavi

I would literally sell my soul for a breadcrumb in the reboot that they stay in touch

[kane-town]

Leverage 5.08 The Broken Wing Job 5.11 The Low Low Price Job 5.12 The White Rabbit Job

[myblog-myresponsibility]

random, kinda ridiculous spec for episodes 5.07 and 5.08

Ok, I have this random spec in my mind and I just have to get it out there.  I don’t think this is where the show is going, and honestly, I’m not a big fan of it going there buuuut….there’s a piece of it that rings true. Also, there’s a good amount of Echo talk and reference to Becho, so if you’re allergic to even seeing it mentioned in text, then that’s cool, but move on. 

In the next episode, we know Echo is going to be tested when her mission conflicts with Raven. I think we’re going to see Echo very conflicted on what to do, and honestly, I think we might actually see her go against Raven to complete her mission. She’s trying to prevent war, she’s trying to protect Bellamy and the rest of Spacekru at the bunker. If she does it, it isn’t because she’s evil. It’s her doing what she thinks she needs to protect as many of the people she loves as possible. (This is kind of irrelevant to my spec, but I want it noted that I am vilifying Echo and the position she may be put in). That being said, in the end Echo is going to choose her friendship with Raven, her loyalty to Spacekru, over her mission for Octavia. She’s more than just a tool, a spy, a weapon of death and war, she’s found family, and more importantly, she’s found a deeper purpose within herself. So, either she doesn’t fulfill her first mission step or she does something later to make it up to Raven that ultimately places her (Echo) against Octavia, causing O to re-ignite the banishment/death order.

Now, I  think there is a strong possibility that Octavia sent along a second spy to Eden, unbeknown to Bellamy, Clarke, or Spacekru. She doesn’t trust Echo, and from a strategic pov, it would absolutely make sense to send a contingency plan in case Echo fails.

I also think there is going to be a time jump somewhere in the next couple of episodes (basing this on the bts pic of Echo, Memori, and Raven laying in snow, and a Tasya interview where she mentions sitting in snow, considering her life choices). So there is also the possibility if Echo decides to not deactivate the Eye or something, that in enough time, O just assumes she has failed.

Meanwhile in the bunker: I think there will be, at some point, Octavia confronting Bellamy, telling him that clearly Echo hasn’t changed much since she’s betrayed her again, or something like that, making it clear that if Echo and Wonkru cross paths again, Octavia will not be as compromising regarding Echo’s life.

Bellamy, being Bellamy whom loves so deeply and so truly but is trying to be a man of consideration and peace, will barter for Echo’s safety, finally making it clear he is going to leave Polis to go to Echo.

Octavia doesn’t want this. As much as Blodreina views Bellamy as a threat to her command, Octavia still loves and cares about him. She doesn’t want him walking into, what she likely views as certain death. She wants him safe, near her, but she also wants him under her thumb. So, I think she might try a different tactic.

And this is where this spec really goes off the rails into wackiness. I think Octavia knows about Clarke’s phone calls. I think she knows Clarke is in love with Bellamy. I think *that* is the secret she (threatened) promised to keep secret at the end of 5.06. I think when Madi came to offer herself for training, Octavia likely asked her about the stories Clarke told her about the 101. Madi, excited to be talking to her hero would have told her O was her favorite, but Bellamy was Clarke’s favorite. Octavia would be interested in knowing more, so she pushed with an “Oh?” and Madi, being 12, would just spill the beans on the stories and the drawings and the phone calls. This gives Octavia an extra layer of leverage over both Clarke and her brother.

Octavia isn’t stupid. Everyone knew Bellamy was in love Clarke, except Clarke herself. If Bellamy is threatening to leave, maybe she could give him a reason to stay willingly. She tells him everything, but before we get any reaction beyond a pure moment of shock (big wet brown eyes, face frozen, a little “wha-?” escaping his lips), someone rushes into the room to tell them they’ve caught another defector, Clarke has been caught trying to sneak Madi out.

Octavia, so done with this shit, immediately orders her to fight in the pit.

Bellamy reacts how one would expect him to react. There will be yelling, crying, begging.  O reminds him that you are Wonkru or you are the enemy of Wonkru. She then throws  out an impossible choice to him, one life or the other (with an emphatic "Choooose” moment). All he has to do is make a choice. One lives, one dies.

Now, as ridiculous as this seems, it feels inline with Octavia adopting the “Love is Weakness” motto. His love for others is a weakness, Clarke’s love for Madi and secret love for him have given her exactly the leverage she needs over these threats.

Bellamy would never choose. The Bellamy we know and love would rather die than sentence someone he loved to death. Obviously, Octavia would never honor that. He knows he could go fight in that pit and die for Clarke, but O would just kill her anyway. So, instead, he makes a different choice— He chooses to become part of Wonkru. She lets both of them live and he will follow her.

This works for O, it keeps her brother by her side and under her thumb, and it gets Clarke, another threat, out of Eden. It works for Bellamy’s goal because it keeps both women safe and away from Octavia and he knows that she won’t kill them because she now has leverage over him.

The episode ends with Bellamy being inducted? perhaps being fed a ceremonial cannibal cookie by Gaia?

Or it ends with Clarke arriving in Eden and seeing Echo across the field. It’s time to save damsel in distress Bellamy.

Again, I know that this is all very unlikely, and I really, really don’t like the idea of the show directly positioning Echo and Clarke against each other, BUT, just because I don’t like it, doesn’t mean it’s not the exact type of thing Octavia would do. It would also parallel the way that Diyoza is using relationships and connections as pressure points in her camp too.

[agl03]

Why would Jemma be pregnant this season? When we see FS in the 5x08 flashback/forward it's 2022 and she doesn't seem to be pregnant, nor is it implied that their child has already been born. While her line about finding someone to continue on after them is vague enough that one could argue she's expecting, I can't see a pregnancy plot working this season. Engagement + wedding + baby is a bit much to cram into one season. Plus a grown Deke witnessing his mother's gestation is kind of creepy, ngl.

Hi Anon,

I’ve done a lot of metas on this and I do think a pregnancy could work with the story.  Jemma being pregnant with Deke’s mother could be an indication the loop hasn’t been broken and raises the stakes even higher for Fitzsimmons as they are now also fighting for their daughters future as well.  

I know Jemma being pregnant is a divisive topic.  Some fans want it some fans don’t, wherever you fall in that spectrum is totally cool.  

Thanks to Deke’s revelation we know at some point between now and then that Fitzsimmons have a daughter.   That’s it, it could come out in 14 or down the road.  It all depends on how the writers are planning to play out this story.  For me this is the kind of thing they don’t put into play for giggles (like Fitz’s backstory, that was setting up Framework not so fun times), it has to mean something to the story.  Just as Hale knowing there is some sort of connection isn’t a good thing and will likely be leveraged against the family at some point.  Otherwise they could gone about the reveal another way and not had her know.

When they did those Flashbacks back in 5.08 they weren’t ready for us to know this little secret.  They had been dropping little breadcrumbs but weren’t ready for the big reveal yet.  Rather they gave us the rings showing us that Fitzsimmons did indeed got married.  And the bigger focus was on May’s relationship with Robin with confirmation they were in a time loop.  

Just because they didn’t show a baby or a bump doesn’t mean one wasn’t there.   There were Flashbacks where Elena wasn’t present but we learned later she was there up until she went out to fight the Kree.  Some of those flashbacks were also from, I believe, different loops so there is a chance in some loops Fitzsimmons didn’t have a daughter.   

Another clue could also be that it was May who raised Robin.   Could it be she took over Robin’s care because Fitzsimmons were caring for a child of their own.  Thanks @jessiecrimefighter

This also means that at some point Robin lived with and was raised with Fitzsimmons child.  Deke knew who Robin was.  

I think one of the biggest reasons that a baby bomb wouldn’t surprise me is this season is about family those found and now those by blood with Deke in the mix.   A baby also represents hope for the future….and if this is the end a sweet note to end Fitzsimmons on.   If not then it provides a new and interesting dynamic for next season.  Just because we could find out Jemma is pregnant now doesn’t mean she’ll have the baby by the end of the season.  With as fast as things move on this show, she could only be a few weeks a long by the end of Season 5 and then Season 6 covers the end of her pregnancy/delivery.  

[yennciri]

Leverage Rewatch: 5.08 The Broken Wing Job

[cashfx]

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Wednesday November 4 2020

The percent was 1.45%👏🏼👏🏼 and depending on what Academy package you choose, here are the #totals⬇️⬇️

$300 = $3.05 $500 = $5.08 $1k = $10.15 $2…

[letsgostealaleverageblog]

Do you know of a gifset from 5.08 when Parker makes the cops wait so she can gloat? Bc i have no idea how to make a gifset but I love Parker with my entire life

Someone probably did it at some point, but I don’t know who. Maybe @renew-leverage.

[leverage-ot3]

notable moments from The Broken Wing Job

leverage 5.08

thE MONKEY IN THE BOX

- - - - -

I love how casually she sets up her rigging in headquarters

- - - - -

Hardison: Yeah, basically not true. Look, babe, six weeks of bed rest. Doctor’s orders. Not optional. And don’t forget to take your pain pills, okay?

[Leverage Headquarters]

Parker: They make everything go wibbly-wobbly. (grabs a bottle of orange pop and opens it)

Hardison: Yeah, that’s how you know they’re working.

Parker: But I got to be sharp... on the edge. It’s where I got to be. Can’t have nothing in my life I can’t walk away from in 30 seconds if I feel the heat coming around the corner.

[Equipment Closet]

Hardison: Parker, look, I know that you’re... Wait, hold up, babe, did you just quote “Heat”?

[Leverage Headquarters]

Parker (chuckling): Yeah, that’s where that’s from. Ha, watched your Netflix queue... Twice.

[Equipment Closet]

Parker: Think I’m going stir-crazy.

Hardison: You think?

wow, this ep already hits different during quarantine

- - - - -

Hardison: Babe, love, kisses, snuggles.

[Equipment Closet]

Hardison: Other romantic verbs. Take your pills, be nice to Amy. Look, we’ll be fine without you. (blows on equipment)

[Leverage Headquarters]

Parker: Yeah. That’s what I’m afraid of

NOOOOOO EVERYONE LOVES YOU AND WANTS YOU AROUND YOURE BABY

- - - - -

the montage of parker going crazy in the chair HITS SO CLOSE TO HOME IN CORONA SEASON

- - - - -

also parker drinks orange soda when she’s sick ,,, im soft

she probably should be drinking something healthier, though

I’m sure somewhere in the distance eliot’s Stupidity Senses™ are tingling and he’s internally screaming at her for not being healthier

- - - - -

Parker looks at her pill bottle, then at the bear. She begins changing the channel, then offers the remote to the bear)

Parker: Oh, what? You want to choose? Okay, fine. But no “B.J. and the Bear” And no reality dating shows... Except “Beauty and the Geek.” I like that one. Oh, what? You’re gonna sulk now? Okay, fine. I’m just gonna keep choosing, then

I love learning little things about parker, like how she likes beauty and the geek (it probably reminds her of her and hardison)

- - - - -

Parker: Hey, you know, these are really good. No, I’m serious. These are really good. Trust me, I’ve seen some of the best.

Amy: Thanks. I wish you could tell my father that, though.

Parker: Well, has he seen these?

Amy: No. He has never seen any of my artwork. Doesn’t stop him from having an opinion about art school, though.

Parker: What, he’s not a fan?

Amy: Not of any degree that doesn’t have an “m,” a “b,” or an “a” in it. He wants me to take over the family business.

Parker: And what is the family business?

Amy: What isn’t the family business?

okay, y’all, I get it now

I get why everyone loves amy now

it’s because she’s a cinnamon roll with a heart of gold and I too am now in love with her

ALSO parker has come far and she cares about people and compliments people she’s baby

- - - - -

Parker: Who are you guys? (thinks, writes ‘thieves’ on the board) You guys picked the wrong brew pub.

this SCREAMS home alone energy

- - - - -

(Eliot sits meditating with his eyes closed when his phone rings)

Eliot: Parker.

Parker: Hey, what are you doing?

Eliot: I’m waiting. How’s the knee?

[Leverage Headquarters]

Parker: Ah, driving me to crazy town. Pretty much like it’s on cruise control, cruising me through crazy town. And you know what? Let’s face it. I have way too much to do. This knee—I need to be on a bullet train through crazy town. I don’t have time to stop for gas, go to the museum.

[Tokyo]

Eliot: Parker, breathe. Identify your limitations. Turn them to advantages.

[Leverage Headquarters]

Parker: Okay, good. How do I do that?

[Tokyo]

Eliot: Adapt. I got to go

eliot will ALWAYS pick up for parker, even when he’s about to be attacked by a samurai

- - - - -

the air vents are SO HUGE and I don’t doubt for a minute it’s for parker

- - - - -

Amy: Okay, you want me to what, now?

Parker (hopping around the bench): Those guys are gonna rob this store, right? Which is fine. I don’t mind robbers who aren’t robbing me or my friends or kids or... But they brought a gun to the party, and that changes all the rules.

NOT IN HER HOUSE

plus no guns in their house anyways because Eliot Does Not Like Them and the team accommodates him for that

- - - - -

Parker: Because that’s what you do. I’ve seen your résumé. Volunteer work, charity efforts. Of all the people who work here, do you think Hardison really picked you at random? No. He knew you were one of us.

Amy: Okay, “one of us”? What does that mean, “one of us”?

Parker: People who have to help.

Amy (sighs and holds out her hand)

it’s officially canon that hardison handpicks the BEST people to hire and I love it

- - - - -

I love how they showed how parker was noticing things about the getaway van by taking notes on screen

- - - - -

Parker: Oh. I’m fine. (shrugs off her help) I got it, I got it, I got it. I got it. I’m fine. (nearly falls) Ugh!

Amy: Oh! Okay, tell me.

Parker: Tell you what?

Amy: You know what to do, and I know how to walk. No offense. So let me be your legs.

Parker: It could get scary in there.

Amy: I get it.

Parker: Okay. (hops back to the counter)

I WOULD DIE FOR AMY

+ this is so important how parker is caring about amy and wants her to make sure she knows what she’s getting into

- - - - -

Amy: Right, I’ll just tell them we’re short on servers. We do it all the time when we don’t feel like working. (catches herself) And you’re dating the boss.

Parker: You guys think of him as the boss?

Amy: Well, yeah, because that’s what he is.

Parker: Yeah, guess so. Is he a good boss? Do you—you guys like him?

Amy: What, are you kidding? He’s awesome. But don’t take this the wrong way. He is way too smart for this place.

Parker: I agree. He’s the smartest man I’ve ever met, and I’ve known some very smart men.

Amy: And I asked you about a brother, right?

Parker: Twice

my aesthetic is people in love with hardison (parker and eliot) telling people how hardison is the smartest person they’ve ever known

- - - - -

Parker: Hey. Hey, wait.

(V and K turn to look at Parker, who walks up to V)

V: What?

Parker: I’m gloating.

(Police take the two men away)

SHE H A D TO DO THE GLOAT™

- - - - -

Parker (lifts a glass to toast): To new friends, new food, and no fish.

James: No fish.

Amy: No fish.

(they drink)

Parker: Mmm. Start with Eliot’s chili. It’s the best

parker IMMEDIATELY recommends eliot’s food bc she loves him and supports his passion

- - - - -

PARKER AND AMY SITTING IN THE DARK WATCHING SCARY MOVIES EATING POPCORN IS E V E R Y T H I N G

- - - - -

Nate (eyes the bullet holes in the walls): How were things here?

Parker: Fine. Same. Boring. Like Japan.

Hardison: You know, I don’t believe you. (points at Amy) And, you, you’re a part of this. See this—all this? It’s not just any zombie movie. This the original zombie movie. Babe, it’s on Blu-ray. How is it possible to be bored? You know what we’re gonna do? We’re watching this from the beginning, because, obviously, you’re doing something wrong.

Eliot: I’m in.

Sophie: Sure. Why not?

Nate: Maybe a little more popcorn?

Amy: I’ll get some.

Nate (softly to Parker): Nice job while we were away.

(Parker smiles)

the whole team joining in to watch the movie with parker AND amy!!!

also, nate whispering good job to parker after an entire episode of establishing her as a mastermind? *chef’s kiss* iconique

[bitsevenenglish-blog]

Bitcoin Price BTC/USD Analysis: Needs to Break $6250/ bitcoin exchange,Cryptocurrency exchange, bitfinex,bitmex,bittrex,bithumb

Bitseven.com - From yesterday’s open at $5040, the price of Bitcoin has increased by 5.08% measured to the highest point the price has been which is at $5296.7 around which it is currently sitting. Bitcoin Analysis BTC/USD On the 15 min chart, we can see that the price came up inside the territory of the ascending channel and managed to go above the interrupter line which is the significant resistance level from the still unconfirmed ascending channel of a higher degree. The momentum has been stopped out again by the resistance level of the current ascending structure which has been labeled as a B wave from an ABC correction of a higher degree. Looking at the structure from 12th of April there is a clear indication that is corrective and the most significant validation is the downside movement seen on 15th of April labeled as the ABC when the price of Bitcoin fell from $5216.5 to $5032. This was a decrease of 3.54% but its amount is not important for the validation but instead the fact that the price fell below the B wave which would have been the 2nd wave out of the next starting impulse wave. As the price fell below what could have been the wave 2 of a five-wave move the scenario got invalidated. This implies that the following structure is also part of the same correction and is most likely the third ABC correction of a lower degree which in conjunction with the prior two constitute a higher degree three-wave B. We are now most likely seeing the end of the lower degree C wave as I have counted 5 sub-waves and in particular considering that the price interacted with the current resistance and started getting rejected. This is why now I would be expecting a move to the downside which would be the C wave of a higher degree. On the hourly chart, you can see the significance behind the currently interacted level for this structure inside whose territory the price action has bounced from 12th of April. The price is above the significant resistance level of a higher degree and is the lower interrupted ascending trendline that has been presumed to be the resistance point of the ascending channel on a higher time-frame. This current cluster is has been formed due to the price position between the higher degree resistance point which serves as a support and the currently found resistance. As a breakout is soon to happen I would be expecting a one to the downside below the ascending trendlines and on to the $4800 zone where the horizontal support level could stop the price anywhere in between. This expected downside movement would be the last wave from the 4th wave of a Minute count as three consecutive corrections would have developed which means that after the end of this correctional movement another increase would be expected as the 5th wave out of the Minute five-wave impulse should develop. We could see further prolongation of the current correctional structure with more sideways action before we see a downfall to the $4800 zone but overall things are still looking bullish. Zooming out on to the daily chart you can see my long-term projection which is still valid. According to my count, this upside movement is the Y wave from the WXY correction from 15th of December and is the 4th wave from a higher degree impulse wave to the downside. This means that after this increase ends a final 5th wave to the downside should develop which is set to push the price below $3200 zone which was the previous bear market low. As the 1st wave ends around $6250 area it is considered the invalidation level because according to the rules of the Elliott Wave theory, wave 4 cannot enter the territory of the wave 2. This is why I would be expecting another and final higher high to around $6200 which would retest the broken horizontal support after which another downside move would start. Market sentiment Bitcoin’s hourly chart technical are signaling a buy. Pivot points S3 4068.9 S2 4622.2 S1 4862.9 P 5175.5 R1 5416.2 R2 5728.8 R3 6282.1 Conclusion The price of Bitcoin has increased by around 5% in the last 24 hours but has encountered significant resistance at the current price action structure’s upper outline. As the wave structure implies this movement was the part of the same correctional structure from 12th of April and is most likely to end with another downside movement to the $4800 zone but after the expected retracement another run up would most likely occur with the price of Bitcoin potentially reaching $6200. Ultimately the bullish action seen from 15th of December is still corrective according to my count which is why after it ends I would be expecting another lower low for the bear market which is below $3200.

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New Post has been published on OmCik

New Post has been published on http://omcik.com/walgreens-scraps-rite-aid-merger-will-instead-buy-half-its-stores/

Walgreens scraps Rite Aid merger, will instead buy half its stores

By Siddharth Cavale and Diane Bartz

Drugstore chain Walgreens Boots Alliance Inc (WBA.O) scrapped its deal to buy Rite Aid Corp (RAD.N) after failing to win antitrust approval, but said it would instead buy nearly half of the smaller rival’s U.S. stores for $5.18 billion.

Rite Aid’s shares plunged about 28 percent to $2.85, while Walgreens shares were up 1 percent at $77.97. Walgreens also ended a related deal to sell as many as 1,200 Rite Aid stores to Fred’s Inc (FRED.O), sending Fred’s shares down 19 percent.

Walgreens, the biggest U.S. drugstore chain, will likely have an easier time winning antitrust approval to buy 2,186 Rite Aid stores after it failed to win approval to take over the nearly 4,600-store chain.

“Walgreens and Rite Aid have taken a pragmatic approach,” said Neil Saunders, managing director of market research firm GlobalData Retail.

The revised deal could offer many of the same benefits as a whole-sale take out of the company, but on a smaller scale.

Walgreens said it expects about $400 million of cost savings from its new agreement, down from around $1 billion expected from the original deal.

That could help offset challenges it faced in recent years hitting targets for sales growth, which has been weighed on in part by disappointing growth in its retail segment.

Walgreens also invited Rite Aid to join its group purchasing agreement, which aims to leverage the combined heft of its members to negotiate discounts on generic drug prices.

The decision to sell so many stores will weaken Rite Aid and could still be controversial, said David Balto, an antitrust lawyer who had worked with groups opposing Walgreens’ takeover of Rite Aid.

“Rite Aid’s future is going to be bleak after they sell these stores. This is still going to raise some serious questions. It’s still taking out a major competitor,” Balto said.

In fact, Walgreens’ plan to buy 2,186 Rite Aid stores accomplishes many of the same goals as the merger – including eliminating Rite Aid as a rival – but does so in a way that makes it harder for the FTC to take the companies to court to stop the transaction, antitrust experts said.

“Obviously no victory dance for the FTC today. This was a big stick-it-to-you. They’re (the FTC) getting a worse outcome than they would before,” said Andre Barlow of the law firm Doyle, Barlow and Mazard PLLC. “Clearly they (the companies) know what the FTC concerns are. They have likely worked around those issues, which has to be very frustrating for the FTC.”

The FTC sued to stop two separate deals last week, suggesting that former administration’s tough antitrust approach will continue under President Donald Trump. The agency is being run by Acting Chairwoman Maureen Ohlhausen and three commissioner slots are vacant.

The FTC said on Thursday it would review the new proposal.

WALGREENS TO PAY MORE PER STORE

Rite Aid said the stores to be sold are mainly in the Northeast, Mid-Atlantic and Southeast. The deal also includes distribution centers in Connecticut, Pennsylvania and South Carolina.

Leerink Partners analyst David Larsen estimated that under the new deal, Walgreens would be paying $2.4 million per Rite Aid store, higher than what it would have paid under a previous agreement, where it would have paid $2.04 million to $2.06 million per store.

Walgreens said on Thursday it expects the new deal to close within six months.

Walgreens also reported better-than-expected profit and sales for the third quarter, helped by a rise in prescription volumes in its U.S. pharmacy business.

The company also authorized a $5 billion buyback program and raised the lower end of its full-year profit forecast by 8 cents per share to a range of $4.98 to $5.08.

Analysts on average were expecting full-year profit of $4.96 per share, according to Thomson Reuters I/B/E/S.

The new agreement will assist Rite Aid in addressing pharmacy margin challenges and in significantly reducing debt, the company’s CEO John Standley said in a statement.

Walgreens said it would pay Rite Aid a $325 million termination fee. In October 2015, Walgreens said it would buy No. 3 Rite Aid for $9.5 billion.

(Reporting by Siddharth Cavale in Bengaluru and Diane Bartz in Washington, DC; additional reporting by Carl O’Donnell in New York; Editing by Sriraj Kalluvila, Bernard Orr)

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New Post has been published on Mortgage News

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eagle-bancorp-inc-announces-record-earnings-representing-a-16-increase-for-the-full-year-2016-and-a-15-increase-in-net-income-for-the-fourth-quarter-2016

BETHESDA, Md., Jan. 18, 2017 (GLOBE NEWSWIRE) — Eagle Bancorp, Inc. (the “Company”) (NASDAQ:EGBN), the parent company of EagleBank, today announced record quarterly net income of $25.7 million for the three months ended December 31, 2016, a 15% increase over the $22.3 million net income for the three months ended December 31, 2015. 

Net income per basic common share for the three months ended December 31, 2016 was $0.76 compared to $0.67 for the same period in 2015, a 13% increase. Net income per diluted common share for the three months ended December 31, 2016 was $0.75 compared to $0.65 for the same period in 2015, a 15% increase.

For the year ended December 31, 2016, the Company’s net income was $97.7 million, a 16% increase over the $84.2 million for the year ended December 31, 2015. Net income available to common shareholders was $97.7 million ($2.91 per basic common share and $2.86 per diluted common share), as compared to $83.6 million ($2.54 per basic common share and $2.50 per diluted common share) for the same period in 2015, a 15% increase per basic share and a 14% increase per diluted share.

“We are very pleased to report a continued trend of balanced and consistently strong financial performance,” noted Ronald D. Paul, Chairman and Chief Executive Officer of Eagle Bancorp, Inc. “Our net income has increased for 32 consecutive quarters dating back to the first quarter of 2009.  This strong financial performance has resulted from a combination of steady balance sheet growth, revenue growth, solid asset quality, and favorable operating leverage.” Loan balances increased 4% in the fourth quarter and deposit balances increased 3%.  Mr. Paul added, “A lower net interest margin in the fourth quarter (3.96% versus 4.11% in the third quarter 2016) was due substantially to higher average liquidity as average deposit growth in the fourth quarter exceeded average loan growth by about $275 million. The loan pipeline remains strong, and the yield on the loan portfolio in the fourth quarter was 3 basis points higher at 5.11% versus 5.08% for the third quarter, as the Company continues to demonstrate discipline in its loan pricing. Additionally, our favorable credit quality improved even more in the fourth quarter as we recorded net recoveries of $97 thousand for the latest three months and the level of nonperforming assets was just 0.30% of total assets at December 31, 2016. Mr. Paul further added, “that the Company’s operating efficiency, another key driver of financial performance remained quite strong in the fourth quarter, as noninterest expense growth was 3% while total revenue increased by 4%, which further improved the efficiency ratio to 40.22% for the most recent quarter.”             

The Company’s financial performance in the fourth quarter of 2016 as compared to the fourth quarter in 2015 was highlighted by growth in average total loans of 15% and by growth in average total deposits of 17%. Total revenue increased 7% in the fourth quarter of 2016 over 2015 and increased 4% over the third quarter of 2016. Noninterest expenses increased 4% for the fourth quarter 2016 over 2015 and 3% over the third quarter of 2016.  For the fourth quarter in 2016, the efficiency ratio was 40.22%, as compared to 40.54% in the third quarter of 2016 and 41.47% for the fourth quarter in 2015. Mr. Paul added, “The Company remains committed to cost management measures and strong productivity.”

The annualized return on average assets (“ROAA”) was 1.46% for the fourth quarter in 2016 and 1.52% for the twelve months ended December 31, 2016. The annualized return on average common equity (“ROACE”) was 12.26% for the fourth quarter in 2016 and 12.27% for the year ended December 31, 2016.

For the full year 2016, loans grew 14% and averaged 16% higher. For the full year 2016, deposits increased 11% and averaged 14% higher. For the full year 2016, total revenue increased by 10% while total noninterest expenses increased 4%.  

For the fourth quarter of 2016, the net interest margin was 3.96%, as compared to 4.11% for the third quarter of 2016 and 4.38% for the fourth quarter of 2015. As noted above, the higher average liquidity position in the fourth quarter was the most significant factor in the quarterly net interest margin decline of 15 basis points. In addition to stronger average deposit growth over loan growth in the fourth quarter (8% versus 3%), the sub-debt raise in late July at a cost of 5.00% has negatively impacted the net interest margin in the fourth quarter by 18 basis points.

For the full year of 2016, the net interest margin was 4.16% as compared to 4.33% for the year ended December 31, 2015. The sub-debt raise in July 2016 negatively impacted the net interest margin in the twelve month period ending December 31, 2016 by nine basis points. Mr. Paul noted, “The persistently low interest rate environment has continued to challenge bank spread earnings. In the current environment, the Company has continued its emphasis on disciplined pricing for both new loans and funding sources, which has resulted in the Company maintaining a superior net interest margin.”

Asset quality measures improved further in the fourth quarter of 2016 from an already solid position. For the fourth quarter of 2016, the Company recorded a net recovery (annualized) of 0.01% of average loans, as compared to net charge-offs (annualized) of 0.18% of average loans for the fourth quarter of 2015. At December 31, 2016, the Company’s nonperforming loans amounted to $17.9 million (0.31% of total loans) as compared to $22.2 million (0.41% of total loans) at September 30, 2016 and $13.2 million (0.26% of total loans) at December 31, 2015. Nonperforming assets amounted to $20.6 million (0.30% of total assets) at December 31, 2016 compared to $27.5 million (0.41% of total assets) at September 30, 2016 and $19.1 million (0.31% of total assets) at December 31, 2015.

Management continues to remain attentive to any signs of deterioration in borrowers’ 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 December 31, 2016 allowance for credit losses, at 1.04% of total loans (excluding loans held for sale), is adequate to absorb potential credit losses within the loan portfolio as of the end of the quarter. The allowance for credit losses was 1.04% of total loans at September 30, 2016 and 1.05% at December 31, 2015. The allowance for credit losses represented 330% of nonperforming loans at December 31, 2016.

Total assets at December 31, 2016 were $6.89 billion, a 2% increase as compared to $6.76 billion at September 30, 2016, and a 13% increase as compared to $6.08 billion at December 31, 2015. Total loans (excluding loans held for sale) were $5.68 billion at December 31, 2016, a 4% increase as compared to $5.48 billion at September 30, 2016, and a 14% increase as compared to $5.00 billion at December 31, 2015. Loans held for sale amounted to $51.6 million at December 31, 2016 as compared to $78.1 million at September 30, 2016, a 34% decrease, and $47.5 million at December 31, 2015, a 9% increase. The investment portfolio totaled $538.1 million at December 31, 2016, a 25% increase from the $430.7 million balance at September 30, 2016. As compared to December 31, 2015, the investment portfolio at December 31, 2016 increased by $50.2 million or 10%.

Total deposits at December 31, 2016 were $5.72 billion, compared to deposits of $5.56 billion at September 30, 2016, a 3% increase, and deposits of $5.16 billion at December 31, 2015, an 11% increase. Total borrowed funds (excluding customer repurchase agreements) were $216.5 million at December 31, 2016, $266.4 million at September 30, 2016 and $68.9 million at December 31, 2015.

Total shareholders’ equity at December 31, 2016 increased 3%, to $842.8 million, compared to $815.6 million at September 30, 2016, and increased 14%, from $738.6 million at December 31, 2015. During the fourth quarter of 2016, 378,495 net shares were issued upon the exercise in full of the outstanding warrant. Increased retained earnings together with the $150 million of qualifying capital raised in a ten year sub-debt issue in July 2016 has enhanced the Company’s capital position well in excess of regulatory requirements for well capitalized status. The total risk based capital ratio was 14.89% at December 31, 2016, as compared to 15.05% at September 30, 2016, and 12.75% at December 31, 2015. In addition, the tangible common equity ratio was 10.84% at December 31, 2016, compared to 10.64% at September 30, 2016 and 10.56% at December 31, 2015.

Analysis of the three months ended December 31, 2016 compared to December 31, 2015

For the three months ended December 31, 2016, the Company reported an annualized ROAA of 1.46% as compared to 1.50% for the three months ended December 31, 2015. The annualized ROACE for the three months ended December 31, 2016 was 12.26%, as compared to 12.08% for the three months ended December 31, 2015.

Total revenue (net interest income plus noninterest income) for the fourth quarter of 2016 was $74.0 million, or 7% above the $69.1 million of total revenue earned for the fourth quarter of 2015 and was 4% higher than the $71.1 million of revenue earned in the third quarter of 2016.

Net interest income increased 7% for the three months ended December 31, 2016 over the same period in 2015 ($67.0 million versus $62.6 million). Growth in average earning assets was 19% and the net interest margin was 3.96% for the three months ended December 31, 2016, as compared to 4.38% for the three months ended December 31, 2015. 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 5.11% for the fourth quarter in 2016 has been a significant factor in its overall profitability.

The provision for credit losses was $2.1 million for the three months ended December 31, 2016 as compared to $4.6 million for the three months ended December 31, 2015. The lower provisioning in the fourth quarter of 2016, as compared to the fourth quarter of 2015, is primarily due to overall improved asset quality. Net recoveries of $97 thousand in the fourth quarter of 2016 represented an annualized 0.01% of average loans, excluding loans held for sale, as compared to $2.2 million of net charge-offs or an annualized 0.18% of average loans, excluding loans held for sale, in the fourth quarter of 2015. Net charge-offs in the fourth quarter of 2016 were attributable primarily to commercial loans ($814 thousand) offset by a recovery in investment-commercial real estate loans ($895 thousand).

Noninterest income for the three months ended December 31, 2016 increased to $7.0 million from $6.5 million for the three months ended December 31, 2015, an 8% increase. This increase was primarily due to higher net gains on sales of residential mortgage loans of $971 thousand. Residential mortgage loans closed were $241 million for the fourth quarter in 2016 versus $181 million for the fourth quarter of 2015.   

The efficiency ratio, which measures the ratio of noninterest expense to total revenue, was 40.22% for the fourth quarter of 2016, as compared to 41.47% for the fourth quarter of 2015. Noninterest expenses totaled $29.8 million for the three months ended December 31, 2016, as compared to $28.6 million for the three months ended December 31, 2015, a 4% increase. Cost increases for salaries and benefits were $1.9 million, due primarily to increased staff, merit increases and incentive compensation. Premises and equipment expenses were $271 thousand lower, due primarily to lower leasing expense as two branch offices were downsized and two leases expired. Marketing and advertising expense increased by $378 thousand primarily due to costs associated with digital and print advertising and sponsorships. FDIC insurance premium expense decreased by $281 thousand due to a change in the FDIC insurance premium formula for small institutions effective July 1, 2016. Other expenses decreased by $669 thousand primarily due to lower fees incurred to maintain OREO properties.

Analysis of the year ended December 31, 2016 compared to December 31, 2015

For the year ended December 31, 2016, the Company reported an annualized ROAA of 1.52% as compared to 1.49% for the year ended December 31, 2015. The annualized ROACE for the year ended December 31, 2016 was 12.27%, as compared to 12.32% for the year ended December 31, 2015. For the year ended December 31, 2016 total revenue was $285.4 million, as compared to $260.6 million for the same period in 2015, a 10% increase.  

Net interest income increased 10% for the year ended December 31, 2016 over the same period in 2015 ($258.2 million versus $233.9 million). Growth in average earning assets was 15% and the net interest margin was 4.16% for the year ended December 31, 2016 as compared to 4.33% for the same period in 2015. 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 5.11% for the year ended December 31, 2016 has been a significant factor in its overall profitability.

The provision for credit losses was $11.3 million for the year ended December 31, 2016 as compared to $14.6 million for the year ended December 31, 2015. The lower provisioning for 2016 is due to lower net charge-offs and to overall improved asset quality. Net charge-offs of $4.9 million during 2016 represented an annualized 0.09% of average loans, excluding loans held for sale, as compared to $8.0 million or an annualized 0.17% of average loans, excluding loans held for sale, during 2015. Net charge-offs during 2016 were attributable primarily to commercial ($3.5 million) and investment-commercial real estate ($1.4 million).

Noninterest income for the year ended December 31, 2016 was $27.3 million as compared to $26.6 million for the year ended December 31, 2015, a 3% increase. This increase was primarily due to increased service charges on deposit accounts, increased gains on sale of SBA loans, and increased gains on sale of OREO.

Noninterest expenses totaled $115.0 million for the year ended December 31, 2016, as compared to $110.7 million for the year ended December 31, 2015, a 4% increase. Cost increases for salaries and benefits were $5.3 million, due primarily to increased staff, merit increases, and incentive compensation. Premises and equipment expenses were $908 thousand lower, due primarily to lower leasing expense as two branch offices were downsized and two locations were closed due to the leases expiring. Marketing and advertising expense increased by $747 thousand primarily due to costs associated with digital and print advertising and sponsorships. Data processing expense increased $214 thousand, while FDIC insurance premium expense decreased by $436 thousand due to a change in the FDIC insurance premium formula for small institutions effective July 1, 2016. For 2016, the efficiency ratio was 40.29% as compared to 42.49% for the same period in 2015.

The financial information which follows provides more detail on the Company’s financial performance for the three and twelve months ended December 31, 2016 as compared to the three and twelve months ended December 31, 2015 as well as providing eight quarters of trend data. Persons wishing additional information should refer to the Company’s Form 10-K for the year ended December 31, 2015 and other reports filed with the Securities and Exchange Commission (the “SEC”).

About Eagle Bancorp: 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.

Conference Call: Eagle Bancorp will host a conference call to discuss its fourth quarter 2016 financial results on Thursday, January 19, 2017 at 10:00 a.m. eastern standard time. The public is invited to listen to this conference call by dialing 1.877.303.6220, conference ID Code is 46041015, or by accessing the call on the Company’s website, www.EagleBankCorp.com. A replay of the conference call will be available on the Company’s website through February 2, 2017.

Forward-looking Statements: 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 “may,” “will,” “anticipates,” “believes,” “expects,” “plans,” “estimates,” “potential,” “continue,” “should,” and similar words or phrases. These statements are based upon current and anticipated economic conditions, nationally and in the Company’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’s Annual Report on Form 10-K for the year ended December 31, 2015 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’s past results are not necessarily indicative of future performance.

Eagle Bancorp, Inc.               Consolidated Financial Highlights (Unaudited)               (dollars in thousands, except per share data)         Three Months Ended December 31,   Twelve Months Ended December 31,     2016       2015       2016       2015   Income Statements:               Total interest income $   75,795     $   67,311     $   285,805     $   253,180   Total interest expense     8,771         4,735         27,641         19,238   Net interest income     67,024         62,576         258,164         233,942   Provision for credit losses     2,112         4,595         11,331         14,638   Net interest income after provision for credit losses     64,912         57,981         246,833         219,304   Noninterest income (before investment gains and extinguishment of debt)     6,943         6,462         26,090         25,504   Gain on sale of investment securities     71         30         1,194         2,254   Loss on early extinguishment of debt     –          –          –          (1,130 ) Total noninterest income     7,014         6,492         27,284         26,628   Total noninterest expense    29,780         28,640         115,015         110,716   Income before income tax expense     42,146         35,833         159,102         135,216   Income tax expense     16,429         13,485         61,395         51,049   Net income     25,717         22,348         97,707         84,167   Preferred stock dividends      –          62         –          601   Net income available to common shareholders $   25,717     $   22,286     $   97,707     $   83,566                   Per Share Data:               Earnings per weighted average common share, basic $   0.76     $   0.67     $   2.91     $   2.54   Earnings per weighted average common share, diluted $   0.75     $   0.65     $   2.86     $   2.50   Weighted average common shares outstanding, basic      33,650,963         33,462,937         33,587,254         32,836,449   Weighted average common shares outstanding, diluted      34,233,940         34,069,786         34,181,616         33,479,592   Actual shares outstanding at period end     34,023,850         33,467,893         34,023,850         33,467,893   Book value per common share at period end  $   24.77     $   22.07     $   24.77     $   22.07   Tangible book value per common share at period end (1) $   21.61     $   18.83     $   21.61     $   18.83                   Performance Ratios (annualized):               Return on average assets   1.46 %     1.50 %     1.52 %     1.49 % Return on average common equity   12.26 %     12.08 %     12.27 %     12.32 % Net interest margin   3.96 %     4.38 %     4.16 %     4.33 % Efficiency ratio (2)   40.22 %     41.47 %     40.29 %     42.49 %                 Other Ratios:               Allowance for credit losses to total loans (3)   1.04 %     1.05 %     1.04 %     1.05 % Allowance for credit losses to total nonperforming loans   330.49 %     397.95 %     330.49 %     397.95 % Nonperforming loans to total loans (3)   0.31 %     0.26 %     0.31 %     0.26 % Nonperforming assets to total assets   0.30 %     0.31 %     0.30 %     0.31 % Net charge-offs (annualized) to average loans (3)   (0.01 %)     0.18 %     0.09 %     0.17 % Common equity to total assets   12.23 %     12.16 %     12.23 %     12.16 % Tier 1 capital (to average assets)   10.72 %     10.90 %     10.72 %     10.90 % Total capital (to risk weighted assets)   14.89 %     12.75 %     14.89 %     12.75 % Common equity tier 1 capital (to risk weighted assets)   10.80 %     10.68 %     10.80 %     10.68 % Tangible common equity ratio (1)   10.84 %     10.56 %     10.84 %     10.56 %                 Loan Balances – Period End (in thousands):               Commercial and Industrial $   1,200,728     $   1,052,257     $   1,200,728     $   1,052,257   Commercial real estate – owner occupied  $   640,870     $   498,103     $   640,870     $   498,103   Commercial real estate – income producing  $   2,509,518     $   2,115,478     $   2,509,518     $   2,115,478   1-4 Family mortgage $   152,748     $   147,365     $   152,748     $   147,365   Construction – commercial and residential $   932,531     $   985,607     $   932,531     $   985,607   Construction – C&I (owner occupied) $   126,038     $   79,769     $   126,038     $   79,769   Home equity $   105,096     $   112,885     $   105,096     $   112,885   Other consumer  $   10,365     $   6,904     $   10,365     $   6,904                   Average Balances (in thousands):               Total assets $   6,984,492     $   5,907,022     $   6,436,774     $   5,630,567   Total earning assets $   6,752,859     $   5,675,730     $   6,208,976     $   5,400,574   Total loans $   5,591,790     $   4,859,391     $   5,338,716     $   4,594,395   Total deposits $   5,796,516     $   4,952,282     $   5,369,261     $   4,697,263   Total borrowings $   312,842     $   168,652     $   240,232     $   168,110   Total shareholders’ equity $   834,823     $   757,199     $   796,400     $   738,468  

(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 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. The table below provides a reconciliation of these non-GAAP financial measures with financial measures defined by GAAP.

          GAAP Reconciliation (Unaudited)         (dollars in thousands except per share data)           Twelve Months Ended   Twelve Months Ended     December 31, 2016   December 31, 2015   Common shareholders’ equity $   842,799     $   738,601     Less: Intangible assets     (107,419 )       (108,542 )   Tangible common equity $   735,380     $   630,059               Book value per common share $   24.77     $   22.07     Less: Intangible book value per common share       (3.16 )       (3.24 )   Tangible book value per common share $   21.61     $   18.83               Total assets $   6,890,097     $   6,075,577     Less: Intangible assets     (107,419 )       (108,542 )   Tangible assets $   6,782,678     $   5,967,035     Tangible common equity ratio   10.84 %     10.56 %        

(2) Computed by dividing noninterest expense by the sum of net interest income and noninterest income.

(3) Excludes loans held for sale.

Eagle Bancorp, Inc.           Consolidated Balance Sheets (Unaudited)           (dollars in thousands, except per share data)                       Assets December 31, 2016   September 30, 2016   December 31, 2015 Cash and due from banks $ 10,285     $ 10,615     $ 10,270   Federal funds sold   2,397       5,262       3,791   Interest bearing deposits with banks and other short-term investments   355,481       503,150       284,302   Investment securities available for sale, at fair value   538,108       430,668       487,869   Federal Reserve and Federal Home Loan Bank stock   21,600       19,920       16,903   Loans held for sale   51,629       78,118       47,492   Loans   5,677,893       5,481,975       4,998,368   Less allowance for credit losses   (59,073 )     (56,864 )     (52,687 ) Loans, net   5,618,820       5,425,111       4,945,681   Premises and equipment, net   20,661       19,370       18,254   Deferred income taxes   48,220       41,065       40,311   Bank owned life insurance   60,130       59,747       58,682   Intangible assets, net   107,419       107,694       108,542   Other real estate owned   2,694       5,194       5,852   Other assets   52,653       56,218       47,628   Total Assets $ 6,890,097     $ 6,762,132     $ 6,075,577               Liabilities and Shareholders’ Equity           Deposits:           Noninterest bearing demand $ 1,775,684     $ 1,668,271     $ 1,405,067   Interest bearing transaction   289,122       297,973       178,797   Savings and money market   2,902,560       2,802,519       2,835,325   Time, $100,000 or more   464,843       452,015       406,570   Other time   283,906       337,371       332,685   Total deposits   5,716,115       5,558,149       5,158,444   Customer repurchase agreements   68,876       71,642       72,356   Other short-term borrowings   –       50,000       –   Long-term borrowings   216,514       216,419       68,928   Other liabilities   45,793       50,283       37,248   Total liabilities   6,047,298       5,946,493       5,336,976               Shareholders’ Equity                       Common stock, par value $.01 per share; shares authorized 100,000,000, shares issued and outstanding 34,023,850, 33,590,880, and 33,467,893, respectively.   338       333       331   Warrant   –       946       946   Additional paid in capital   513,531       509,706       503,529   Retained earnings   331,311       305,594       233,604   Accumulated other comprehensive (loss) income   (2,381 )     (940 )     191   Total Shareholders’ Equity   842,799       815,639       738,601   Total Liabilities and Shareholders’ Equity $ 6,890,097     $ 6,762,132     $ 6,075,577              

  Eagle Bancorp, Inc.               Consolidated Statements of Operations (Unaudited)               (dollars in thousands, except per share data)                         Three Months Ended December 31,   Twelve Months Ended December 31, Interest Income   2016     2015     2016     2015   Interest and fees on loans $   72,486   $   64,275   $   274,488   $   242,340   Interest and dividends on investment securities     2,508       2,903       9,629       10,092   Interest on balances with other banks and short-term investments     798       129       1,654       732   Interest on federal funds sold      3       4       34       16   Total interest income     75,795       67,311       285,805       253,180   Interest Expense               Interest on deposits     5,736       3,674       19,249       14,343   Interest on customer repurchase agreements      52       39       167       132   Interest on short-term borrowings     5       32       732       86   Interest on long-term borrowings     2,978       990       7,493       4,677   Total interest expense     8,771       4,735       27,641       19,238   Net Interest Income      67,024       62,576       258,164       233,942   Provision for Credit Losses     2,112       4,595       11,331       14,638   Net Interest Income After Provision For Credit Losses     64,912       57,981       246,833       219,304                   Noninterest Income               Service charges on deposits     1,518       1,407       5,821       5,397   Gain on sale of loans     3,099       2,609       11,563       11,973   Gain on sale of investment securities     71       30       1,194       2,254   Loss on early extinguishment of debt     –        –        –        (1,130 ) Increase in the cash surrender value of  bank owned life insurance      383       398       1,554       1,589   Other income     1,943       2,048       7,152       6,545   Total noninterest income     7,014       6,492       27,284       26,628   Noninterest Expense               Salaries and employee benefits     17,853       15,977       67,010       61,749   Premises and equipment expenses     3,699       3,970       15,118       16,026   Marketing and advertising     944       566       3,495       2,748   Data processing     2,031       1,936       7,747       7,533   Legal, accounting and professional fees     828       814       3,673       3,729   FDIC insurance     525       806       2,718       3,154   Merger expenses     –        2       –        141   Other expenses     3,900       4,569       15,254       15,636   Total noninterest expense   29,780     28,640     115,015     110,716   Income Before Income Tax Expense     42,146       35,833       159,102       135,216   Income Tax Expense     16,429       13,485       61,395       51,049   Net Income      25,717       22,348       97,707       84,167   Preferred Stock Dividends      –        62       –        601   Net Income Available to Common Shareholders $   25,717   $   22,286   $   97,707   $   83,566                   Earnings Per Common Share               Basic $   0.76   $   0.67   $   2.91   $   2.54   Diluted $   0.75   $   0.65   $   2.86   $   2.50                  

  Eagle Bancorp, Inc. Consolidated Average Balances, Interest Yields And Rates (Unaudited) (dollars in thousands)                   Three Months Ended December 31,     2016       2015     Average Balance Interest Average Yield/Rate   Average Balance Interest Average Yield/Rate ASSETS               Interest earning assets:               Interest bearing deposits with other banks and other short-term investments $ 599,281 $ 798 0.53 %   $ 225,346 $ 129 0.23 % Loans held for sale (1)   70,874   615 3.47 %     40,587   383 3.77 % Loans (1) (2)    5,591,790   71,871 5.11 %     4,859,391   63,892 5.22 % Investment securities available for sale (2)   487,730   2,508 2.05 %     544,129   2,903 2.12 % Federal funds sold   3,184   3 0.37 %     6,277   4 0.19 % Total interest earning assets   6,752,859   75,795 4.47 %     5,675,730   67,311 4.71 %                 Total noninterest earning assets   289,615         281,800     Less: allowance for credit losses   57,982         50,508     Total noninterest earning assets   231,633         231,292     TOTAL ASSETS $ 6,984,492       $ 5,907,022                     LIABILITIES AND SHAREHOLDERS’ EQUITY               Interest bearing liabilities:               Interest bearing transaction $ 303,994 $ 201 0.26 %   $ 195,167 $ 83 0.17 % Savings and money market   2,941,919   3,715 0.50 %     2,560,727   2,118 0.33 % Time deposits   786,782   1,820 0.92 %     764,761   1,473 0.76 % Total interest bearing deposits   4,032,695   5,736 0.57 %     3,520,655   3,674 0.41 % Customer repurchase agreements   95,283   52 0.22 %     71,591   39 0.21 % Other short-term borrowings   1,090   5 1.79 %     28,154   32 0.00 % Long-term borrowings   216,469   2,978 5.38 %     68,907   990 5.62 % Total interest bearing liabilities   4,345,537   8,771 0.80 %     3,689,307   4,735 0.51 %                 Noninterest bearing liabilities:               Noninterest bearing demand   1,763,821         1,431,627     Other liabilities   40,311         28,889     Total noninterest bearing liabilities   1,804,132         1,460,516                     Shareholders’ equity   834,823         757,199     TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY $ 6,984,492       $ 5,907,022                     Net interest income   $ 67,024       $ 62,576   Net interest spread     3.67 %       4.20 % Net interest margin     3.96 %       4.38 % Cost of funds     0.51 %       0.33 %                 (1) Loans placed on nonaccrual status are included in average balances. Net loan fees and late charges included in interest income on loans totaled $4.4 million and $3.8 million for the three months ended December 31, 2016 and 2015, respectively. (2) Interest and fees on loans and investments exclude tax equivalent adjustments.                            

Eagle Bancorp, Inc. Consolidated Average Balances, Interest Yields and Rates (Unaudited) (dollars in thousands)                   Years Ended December 31,     2016       2015     Average Balance Interest Average Yield/Rate   Average Balance Interest Average Yield/Rate ASSETS               Interest earning assets:               Interest bearing deposits with other banks and other short-term investments $ 339,947 $ 1,654 0.49 %   $ 308,848 $ 732 0.24 % Loans held for sale (1)   53,590   1,903 3.55 %     44,533   1,671 3.75 % Loans (1) (2)    5,338,716   272,585 5.11 %     4,594,395   240,669 5.24 % Investment securities available for sale (2)   468,773   9,629 2.05 %     445,986   10,092 2.26 % Federal funds sold   7,950   34 0.43 %     6,812   16 0.23 % Total interest earning assets   6,208,976   285,805 4.60 %     5,400,574   253,180 4.69 %                 Total noninterest earning assets   283,687         278,804     Less: allowance for credit losses   55,889         48,811     Total noninterest earning assets   227,798         229,993     TOTAL ASSETS $ 6,436,774       $ 5,630,567                     LIABILITIES AND SHAREHOLDERS’ EQUITY               Interest bearing liabilities:               Interest bearing transaction $ 251,954 $ 646 0.26 %   $ 182,518 $ 291 0.16 % Savings and money market   2,728,347   12,039 0.44 %     2,425,286   8,185 0.34 % Time deposits   769,801   6,564 0.85 %     774,943   5,867 0.76 % Total interest bearing deposits   3,750,102   19,249 0.51 %     3,382,747   14,343 0.42 % Customer repurchase agreements   77,833   167 0.21 %     59,141   132 0.22 % Other short-term borrowings   29,376   732 2.45 %     27,659   86 0.31 % Long-term borrowings   133,023   7,493 5.54 %     81,310   4,677 5.67 % Total interest bearing liabilities   3,990,334   27,641 0.69 %     3,550,857   19,238 0.54 %                 Noninterest bearing liabilities:               Noninterest bearing demand   1,619,159         1,314,516     Other liabilities   30,881         26,726     Total noninterest bearing liabilities   1,650,040         1,341,242                     Shareholders’ equity   796,400         738,468     TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY $ 6,436,774       $ 5,630,567                     Net interest income   $ 258,164       $ 233,942   Net interest spread     3.91 %       4.15 % Net interest margin     4.16 %       4.33 % Cost of funds     0.44 %       0.36 %                 (1) Loans placed on nonaccrual status are included in average balances. Net loan fees and late charges included in interest income on loans totaled $16.1 million and $12.6 million for the years ended December 31, 2016 and 2015, respectively. (2) Interest and fees on loans and investments exclude tax equivalent adjustments.            

Eagle Bancorp, Inc.                                 Statements of Income and Highlights Quarterly Trends (Unaudited)                                 (dollars in thousands, except per share data)                                   Three Months Ended      December 31,   September 30,   June 30,   March 31,   December 31,   September 30,   June 30,   March 31,   Income Statements:   2016       2016       2016       2016       2015       2015       2015       2015     Total interest income $ 75,795     $ 72,431     $ 69,772     $ 67,807     $ 67,311     $ 63,981     $ 62,423     $ 59,465     Total interest expense   8,771       7,703       5,950       5,217       4,735       4,896       4,873       4,734     Net interest income   67,024       64,728       63,822       62,590       62,576       59,085       57,550       54,731     Provision for credit losses   2,112       2,288       3,888       3,043       4,595       3,262       3,471       3,310     Net interest income after provision for credit losses   64,912       62,440       59,934       59,547       57,981       55,823       54,079       51,421     Noninterest income (before investment gains & extinguishment of debt)   6,943       6,404       7,077       5,666       6,462       6,039       6,233       6,770     Gain on sale of investment securities   71       1       498       624       30       60       –       2,164     Loss on early extinguishment of debt   –       –       –       –       –       –       –       (1,130 )   Total noninterest income   7,014       6,405       7,575       6,290       6,492       6,099       6,233       7,804     Salaries and employee benefits   17,853       17,130       15,908       16,119       15,977       15,383       14,683       15,706     Premises and equipment   4       3,786       3,807       3,826       3,970       3,974       4,072       4,010     Marketing and advertising   944       857       920       774       566       762       735       685     Merger expenses   –       –       –       –       2       2       26       111     Other expenses   7,284       7,065       7,660       7,383       8,125       7,284       7,082       7,561     Total noninterest expense   29,780       28,838       28,295       28,102       28,640       27,405       26,598       28,073     Income before income tax expense   42,146       40,007       39,214       37,735       35,833       34,517       33,714       31,152     Income tax expense   16,429       15,484       15,069       14,413       13,485       13,054       12,776       11,734     Net income   25,717       24,523       24,145       23,322       22,348       21,463       20,938       19,418     Preferred stock dividends   –       –       –       –       62       180       179       180     Net income available to common shareholders $ 25,717     $ 24,523     $ 24,145     $ 23,322     $ 22,286     $ 21,283     $ 20,759     $ 19,238                                                                         Per Share Data:                                 Earnings per weighted average common share, basic $ 0.76     $ 0.73     $ 0.72     $ 0.70     $ 0.67     $ 0.64     $ 0.62     $ 0.62     Earnings per weighted average common share, diluted $ 0.75     $ 0.72     $ 0.71     $ 0.68     $ 0.65     $ 0.63     $ 0.61     $ 0.61     Weighted average common shares outstanding, basic   33,650,963       33,590,183       33,588,141       33,518,998       33,462,937       33,400,973       33,367,476       31,082,715     Weighted average common shares outstanding, diluted   34,233,940       34,187,171       34,183,209       34,104,237       34,069,786       34,026,412       33,997,989       31,776,323     Actual shares outstanding   34,023,850       33,590,880       33,584,898       33,581,599       33,467,893       33,405,510       33,394,563       33,303,467     Book value per common share at period end $ 24.77     $ 24.28     $ 23.48     $ 22.71     $ 22.07     $ 21.38     $ 20.76     $ 20.11     Tangible book value per common share at period end (1) $ 21.61     $ 21.08     $ 20.27     $ 19.48     $ 18.83     $ 18.10     $ 17.46     $ 16.82                                       Performance Ratios (annualized):                                 Return on average assets   1.46 %     1.50 %     1.57 %     1.54 %     1.50 %     1.47 %     1.51 %     1.49 %   Return on average common equity   12.26 %     12.04 %     12.40 %     12.39 %     12.08 %     11.95 %     12.18 %     13.24 %   Net interest margin   3.96 %     4.11 %     4.30 %     4.31 %     4.38 %     4.23 %     4.33 %     4.41 %   Efficiency ratio (2)   40.22 %     40.54 %     39.63 %     40.80 %     41.47 %     42.04 %     41.70 %     44.89 %                                     Other Ratios:                                 Allowance for credit losses to total loans (3)   1.04 %     1.04 %     1.05 %     1.06 %     1.05 %     1.05 %     1.07 %     1.07 %   Nonperforming loans to total loans (3)   0.31 %     0.41 %     0.40 %     0.43 %     0.26 %     0.30 %     0.33 %     0.44 %   Allowance for credit losses to total nonperforming loans   330.49 %     255.29 %     264.44 %     249.03 %     397.95 %     347.82 %     328.98 %     244.12 %   Nonperforming assets to total assets   0.30 %     0.41 %     0.39 %     0.42 %     0.31 %     0.41 %     0.44 %     0.58 %   Net charge-offs (annualized) to average loans (3)   -0.01 %     0.14 %     0.15 %     0.09 %     0.18 %     0.16 %     0.21 %     0.15 %   Tier 1 capital (to average assets)   10.72 %     11.12 %     11.24 %     11.01 %     10.90 %     11.96 %     12.03 %     12.19 %   Total capital (to risk weighted assets)   14.89 %     15.05 %     12.71 %     12.87 %     12.75 %     13.80 %     13.75 %     13.90 %   Common equity tier 1 capital (to risk weighted assets)   10.80 %     10.83 %     10.74 %     10.83 %     10.68 %     10.48 %     10.37 %     10.37 %   Tangible common equity ratio (1)   10.84 %     10.64 %     10.88 %     10.86 %     10.56 %     10.46 %     10.34 %     10.39 %                                     Average Balances (in thousands):                                 Total assets $ 6,984,492     $ 6,492,274     $ 6,191,164     $ 6,072,533     $ 5,907,022     $ 5,775,283     $ 5,561,069     $ 5,270,301     Total earning assets $ 6,752,859     $ 6,264,531     $ 5,967,008     $ 5,844,915     $ 5,675,730     $ 5,545,398     $ 5,332,397     $ 5,039,748     Total loans $ 5,591,790     $ 5,422,677     $ 5,266,305     $ 5,070,386     $ 4,859,391     $ 4,636,298     $ 4,499,871     $ 4,376,248     Total deposits $ 5,796,516     $ 5,353,834     $ 5,178,501     $ 5,143,670     $ 4,952,282     $ 4,842,706     $ 4,655,234     $ 4,330,403     Total borrowings $ 312,842     $ 300,083     $ 207,221     $ 139,324     $ 168,652     $ 128,015     $ 127,582     $ 249,516     Total shareholders’ equity $ 834,823     $ 809,973     $ 783,318     $ 756,916     $ 757,199     $ 778,279     $ 755,541     $ 661,364                                       (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 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.   (2) Computed by dividing noninterest expense by the sum of net interest income and noninterest income.   (3) Excludes loans held for sale.                                

EAGLE BANCORP, INC.CONTACT:Michael T. Flynn301.986.1800