2012 Form 10-K Financial Statement

#000115752312004886 Filed on September 19, 2012

View on sec.gov

Income Statement

Concept 2012 2011 Q2 2011 Q1
Revenue $14.10M $3.690M $3.773M
YoY Change -5.77%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $760.0K $320.0K $510.0K
YoY Change 2.84% 10.34% 70.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $3.165M $917.0K $974.0K
YoY Change -22.54%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $2.970M $691.0K $604.0K
YoY Change -14.31% -5.34% -16.11%
Income Tax $792.0K $209.0K $196.0K
% Of Pretax Income 26.67% 30.25% 32.45%
Net Earnings $2.178M $482.0K $408.0K
YoY Change -9.63% -10.74% -15.0%
Net Earnings / Revenue 15.45% 13.06% 10.81%
Basic Earnings Per Share $0.59 $0.12 $0.11
Diluted Earnings Per Share $0.56 $0.12 $0.11
COMMON SHARES
Basic Shares Outstanding 3.725M shares
Diluted Shares Outstanding 3.919M shares

Balance Sheet

Concept 2012 2011 Q2 2011 Q1
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $9.540M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $15.60M $16.15M $16.00M
YoY Change -3.7% 2.22% 0.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $200.0K $155.0K
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $327.3M $331.1M $334.6M
YoY Change -1.15% 1.66% 5.79%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $5.800M $3.400M $2.900M
YoY Change 70.59% 13.33% 3.57%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $6.200M $3.400M $2.900M
YoY Change 6.9% 13.33% 3.57%
LONG-TERM LIABILITIES
Long-Term Debt $5.200M $5.200M $5.200M
YoY Change 0.0% 0.0% 0.0%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $5.200M $5.200M $5.200M
YoY Change 0.0% 0.0% -73.47%
TOTAL LIABILITIES
Total Short-Term Liabilities $6.200M $3.400M $2.900M
Total Long-Term Liabilities $5.200M $5.200M $5.200M
Total Liabilities $273.6M $278.6M $281.7M
YoY Change -1.79% 1.94% -1.3%
SHAREHOLDERS EQUITY
Retained Earnings $31.92M
YoY Change
Common Stock $22.15M
YoY Change
Preferred Stock
YoY Change
Treasury Stock (at cost) $1.796M
YoY Change
Treasury Stock Shares 164.4K shares
Shareholders Equity $53.70M $52.49M $53.00M
YoY Change
Total Liabilities & Shareholders Equity $327.3M $331.1M $334.6M
YoY Change -1.15% 1.66% 5.79%

Cashflow Statement

Concept 2012 2011 Q2 2011 Q1
OPERATING ACTIVITIES
Net Income $2.178M $482.0K $408.0K
YoY Change -9.63% -10.74% -15.0%
Depreciation, Depletion And Amortization $760.0K $320.0K $510.0K
YoY Change 2.84% 10.34% 70.0%
Cash From Operating Activities -$1.547M $840.0K $3.660M
YoY Change -113.46% -135.74% 4475.0%
INVESTING ACTIVITIES
Capital Expenditures $170.0K -$350.0K -$440.0K
YoY Change -84.93% 1066.67% 109.52%
Acquisitions
YoY Change
Other Investing Activities $20.91M $600.0K $5.890M
YoY Change -430.85% -102.91% 103.81%
Cash From Investing Activities $20.74M $260.0K $5.450M
YoY Change -378.59% -101.26% 103.36%
FINANCING ACTIVITIES
Cash Dividend Paid $1.106M
YoY Change -3.32%
Common Stock Issuance & Retirement, Net $414.0K
YoY Change -76.95%
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities -8.917M -5.620M 700.0K
YoY Change -550.58% -169.9% -92.13%
NET CHANGE
Cash From Operating Activities -1.547M 840.0K 3.660M
Cash From Investing Activities 20.74M 260.0K 5.450M
Cash From Financing Activities -8.917M -5.620M 700.0K
Net Change In Cash 10.27M -4.520M 9.810M
YoY Change 70.35% -69.81% -15.79%
FREE CASH FLOW
Cash From Operating Activities -$1.547M $840.0K $3.660M
Capital Expenditures $170.0K -$350.0K -$440.0K
Free Cash Flow -$1.717M $1.190M $4.100M
YoY Change -116.56% -151.29% 1313.79%

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CY2011Q2 ebmt Percentage Of Allowance For Loan Loss To Non Performing Assets
PercentageOfAllowanceForLoanLossToNonPerformingAssets
0.437 pure
CY2011Q2 ebmt Percentage Of Non Performing Assets To Total Loans
PercentageOfNonPerformingAssetsToTotalLoans
0.022 pure
CY2011Q2 ebmt Percentage Of Non Performing Assets To Total Assets
PercentageOfNonPerformingAssetsToTotalAssets
0.012 pure
CY2011Q2 ebmt Federal Home Loan Bank Advances And Other Borrowings Maturities Summary
FederalHomeLoanBankAdvancesAndOtherBorrowingsMaturitiesSummary
60896000
CY2011Q2 ebmt Federal Home Loan Bank Advances And Other Borrowings Maturities Summary Due After Five Years Of Balance Sheet Date
FederalHomeLoanBankAdvancesAndOtherBorrowingsMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate
896000
CY2011Q2 ebmt Federal Home Loan Bank Advances And Other Borrowings Maturities Summary Due Four To Five Years Of Balance Sheet Date
FederalHomeLoanBankAdvancesAndOtherBorrowingsMaturitiesSummaryDueFourToFiveYearsOfBalanceSheetDate
7200000
CY2011Q2 ebmt Federal Home Loan Bank Advances And Other Borrowings Maturities Summary Due Three To Four Years Of Balance Sheet Date
FederalHomeLoanBankAdvancesAndOtherBorrowingsMaturitiesSummaryDueThreeToFourYearsOfBalanceSheetDate
9200000
CY2011Q2 ebmt Federal Home Loan Bank Advances And Other Borrowings Maturities Summary Due Two To Three Years Of Balance Sheet Date
FederalHomeLoanBankAdvancesAndOtherBorrowingsMaturitiesSummaryDueTwoToThreeYearsOfBalanceSheetDate
9200000
CY2011Q2 ebmt Federal Home Loan Bank Advances And Other Borrowings Maturities Summary Due One To Two Years Of Balance Sheet Date
FederalHomeLoanBankAdvancesAndOtherBorrowingsMaturitiesSummaryDueOneToTwoYearsOfBalanceSheetDate
16200000
CY2011Q2 ebmt Federal Home Loan Bank Advances And Other Borrowings Maturities Summary Due Within One Year Of Balance Sheet Date
FederalHomeLoanBankAdvancesAndOtherBorrowingsMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate
18200000
CY2011Q2 ebmt Deferred Tax Liabilities Fhlb Stock
DeferredTaxLiabilitiesFHLBStock
474000
CY2011Q2 ebmt Deferred Tax Liabilities Securities Available For Sale And Preferred Stock Fasbasc825
DeferredTaxLiabilitiesSecuritiesAvailableForSaleAndPreferredStockFASBASC825
823000
CY2011Q2 ebmt Notional Amount Of Interest Rate Lock Commitments
NotionalAmountOfInterestRateLockCommitments
4076000
CY2011Q2 ebmt Accrued Interest On Dividends Receivable Fair Value Disclosure
AccruedInterestOnDividendsReceivableFairValueDisclosure
1558000
CY2011Q2 ebmt Time Certificates Of Deposit Fair Value Disclosure
TimeCertificatesOfDepositFairValueDisclosure
85719000
CY2011Q2 ebmt Accrued Expenses And Other Liabilities Fair Value Disclosure
AccruedExpensesAndOtherLiabilitiesFairValueDisclosure
3371000
CY2011Q2 ebmt Advances From Federal Home Loan Bank And Other Borrowings Fair Value Disclosure
AdvancesFromFederalHomeLoanBankAndOtherBorrowingsFairValueDisclosure
63612000
CY2011Q2 ebmt Loans And Leases Receivable Deferred Fees And Allowances
LoansAndLeasesReceivableDeferredFeesAndAllowances
1800000
CY2012Q2 us-gaap Subordinated Debt
SubordinatedDebt
5155000
CY2012Q2 us-gaap Capital Required For Capital Adequacy
CapitalRequiredForCapitalAdequacy
16082000
CY2012Q2 us-gaap Deposits Money Market Deposits
DepositsMoneyMarketDeposits
28489000
CY2012Q2 us-gaap Available For Sale Securities Gross Unrealized Losses1
AvailableForSaleSecuritiesGrossUnrealizedLosses1
254000
CY2012Q2 us-gaap Pledged Financial Instruments Not Separately Reported Securities For Federal Home Loan Bank
PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesForFederalHomeLoanBank
10000
CY2012Q2 us-gaap Certain Loans Acquired In Transfer Accounted For As Available For Sale Debt Securities Acquired During Period At Acquisition At Fair Value
CertainLoansAcquiredInTransferAccountedForAsAvailableForSaleDebtSecuritiesAcquiredDuringPeriodAtAcquisitionAtFairValue
44591000
CY2012Q2 us-gaap Weighted Average Rate Domestic Deposit Checking
WeightedAverageRateDomesticDepositChecking
0.0005 pure
CY2012Q2 us-gaap Accumulated Other Comprehensive Income Loss Net Of Tax
AccumulatedOtherComprehensiveIncomeLossNetOfTax
2273000
CY2012Q2 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
85634000
CY2012Q2 us-gaap Other Assets
OtherAssets
915000
CY2012Q2 us-gaap Deferred Tax Liabilities Property Plant And Equipment
DeferredTaxLiabilitiesPropertyPlantAndEquipment
965000
CY2012Q2 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
CY2012Q2 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue
22834000
CY2012Q2 us-gaap Loans And Leases Receivable Consumer
LoansAndLeasesReceivableConsumer
8778000
CY2012Q2 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
22816000
CY2012Q2 us-gaap Bank Overdrafts
BankOverdrafts
28000
CY2012Q2 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
164000
CY2012Q2 us-gaap Common Stock Shares Authorized
CommonStockSharesAuthorized
8000000 shares
CY2012Q2 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
171892000
CY2012Q2 us-gaap Tier One Leverage Capital Required For Capital Adequacy
TierOneLeverageCapitalRequiredForCapitalAdequacy
9704000
CY2012Q2 us-gaap Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets
0.0400 pure
CY2012Q2 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
23287000
CY2012Q2 us-gaap Business Acquisition Purchase Price Allocation Property Plant And Equipment
BusinessAcquisitionPurchasePriceAllocationPropertyPlantAndEquipment
5000000
CY2012Q2 us-gaap Loans And Leases Receivable Consumer Home Equity
LoansAndLeasesReceivableConsumerHomeEquity
23709000
CY2012Q2 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Employee Compensation
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeCompensation
422000
CY2012Q2 us-gaap Availableforsale Securities Continuous Unrealized Loss Position12 Months Or Longer Aggregate Losses2
AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses2
222000
CY2012Q2 us-gaap Noninterest Bearing Deposit Liabilities
NoninterestBearingDepositLiabilities
23425000
CY2012Q2 us-gaap Federal Home Loan Bank Stock
FederalHomeLoanBankStock
2003000
CY2012Q2 us-gaap Accrued Investment Income Receivable
AccruedInvestmentIncomeReceivable
1371000
CY2012Q2 us-gaap Weighted Average Rate Domestic Deposit Money Market
WeightedAverageRateDomesticDepositMoneyMarket
0.0014 pure
CY2012Q2 us-gaap Time Deposit Maturities Year Two
TimeDepositMaturitiesYearTwo
14695000
CY2012Q2 us-gaap Treasury Stock Shares
TreasuryStockShares
204156 shares
CY2012Q2 us-gaap Equity Method Investments
EquityMethodInvestments
155000
CY2012Q2 us-gaap Interest Bearing Domestic Deposit Checking
InterestBearingDomesticDepositChecking
46125000
CY2012Q2 us-gaap Deferred Tax Assets Liabilities Net
DeferredTaxAssetsLiabilitiesNet
-1861000
CY2012Q2 us-gaap Loans Receivable Commercial Mortgage
LoansReceivableCommercialMortgage
64672000
CY2012Q2 us-gaap Escrow Deposit
EscrowDeposit
3943000
CY2012Q2 us-gaap Investment In Federal Home Loan Bank Stock Fair Value Disclosure
InvestmentInFederalHomeLoanBankStockFairValueDisclosure
2003000
CY2012Q2 us-gaap Time Deposit Maturities Year Three
TimeDepositMaturitiesYearThree
5977000
CY2012Q2 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
173839000
CY2012Q2 us-gaap Certain Loans Acquired In Transfer Accretable Yield
CertainLoansAcquiredInTransferAccretableYield
1252000
CY2012Q2 us-gaap Deposits Fair Value Disclosure
DepositsFairValueDisclosure
138630000
CY2012Q2 us-gaap Weighted Average Rate Domestic Deposit Certificates Of Deposit
WeightedAverageRateDomesticDepositCertificatesOfDeposit
0.0112 pure
CY2012Q2 us-gaap Allowance For Doubtful Accounts Receivable
AllowanceForDoubtfulAccountsReceivable
300000
CY2012Q2 us-gaap Employee Stock Ownership Plan Esop Deferred Shares Fair Value
EmployeeStockOwnershipPlanESOPDeferredSharesFairValue
1556010
CY2012Q2 us-gaap Employee Stock Ownership Plan Esop Number Of Committed To Be Released Shares
EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares
155601 shares
CY2012Q2 us-gaap Interest Bearing Deposit Liabilities
InterestBearingDepositLiabilities
196564000
CY2012Q2 us-gaap Time Deposits100000 Or More
TimeDeposits100000OrMore
26356000
CY2012Q2 us-gaap Deferred Tax Liabilities
DeferredTaxLiabilities
3057000
CY2012Q2 us-gaap Valuation Allowance For Impairment Of Recognized Servicing Assets Balance
ValuationAllowanceForImpairmentOfRecognizedServicingAssetsBalance
CY2012Q2 us-gaap Loans And Leases Receivable Consumer Mortgage
LoansAndLeasesReceivableConsumerMortgage
61671000
CY2012Q2 us-gaap Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
0.2885 pure
CY2012Q2 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
2970000
CY2012Q2 us-gaap Deferred Tax Assets Deferred Income
DeferredTaxAssetsDeferredIncome
102000
CY2012Q2 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
0.1743 pure
CY2012Q2 us-gaap Tier One Leverage Capital
TierOneLeverageCapital
56376000
CY2012Q2 us-gaap Available For Sale Securities
AvailableForSaleSecurities
89277000
CY2012Q2 us-gaap Loans And Leases Receivable Impaired Commitment To Lend
LoansAndLeasesReceivableImpairedCommitmentToLend
6482000
CY2012Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
1625000
CY2012Q2 us-gaap Tier One Risk Based Capital Required For Capital Adequacy
TierOneRiskBasedCapitalRequiredForCapitalAdequacy
8041000
CY2012Q2 us-gaap Tangible Capital
TangibleCapital
56376000
CY2012Q2 us-gaap Business Acquisition Purchase Price Allocation Other Assets
BusinessAcquisitionPurchasePriceAllocationOtherAssets
2339000
CY2012Q2 us-gaap Cash And Cash Equivalents Fair Value Disclosure
CashAndCashEquivalentsFairValueDisclosure
19814000
CY2012Q2 us-gaap Retained Earnings Accumulated Deficit
RetainedEarningsAccumulatedDeficit
32990000
CY2012Q2 us-gaap Assets
Assets
327299000
CY2012Q2 us-gaap Deposits
Deposits
219989000
CY2012Q2 us-gaap Availableforsale Securities Gross Unrealized Gain
AvailableforsaleSecuritiesGrossUnrealizedGain
3897000
CY2012Q2 us-gaap Business Acquisition Cost Of Acquired Entity Cash Paid
BusinessAcquisitionCostOfAcquiredEntityCashPaid
7269000
CY2012Q2 us-gaap Preferred Stock Shares Authorized
PreferredStockSharesAuthorized
1000000 shares
CY2012Q2 us-gaap Other Real Estate And Foreclosed Assets
OtherRealEstateAndForeclosedAssets
2361000
CY2012Q2 us-gaap Liabilities And Stockholders Equity
LiabilitiesAndStockholdersEquity
327299000
CY2012Q2 us-gaap Cash Surrender Value Fair Value Disclosure
CashSurrenderValueFairValueDisclosure
9101000
CY2012Q2 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
2000
CY2012Q2 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
0.2804 pure
CY2012Q2 us-gaap Available For Sale Securities Debt Maturities After Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost
21433000
CY2012Q2 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
4083127 shares
CY2012Q2 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
1404000
CY2012Q2 us-gaap Loans Receivable With Fixed Rates Of Interest
LoansReceivableWithFixedRatesOfInterest
11536000
CY2012Q2 us-gaap Business Acquisition Cost Of Acquired Entity Transaction Costs
BusinessAcquisitionCostOfAcquiredEntityTransactionCosts
850000
CY2012Q2 us-gaap Weighted Average Rate Domestic Deposit
WeightedAverageRateDomesticDeposit
0.0046 pure
CY2012Q2 us-gaap Deferred Tax Liabilities Derivatives
DeferredTaxLiabilitiesDerivatives
78000
CY2012Q2 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
2795000
CY2012Q2 us-gaap Noninterest Bearing Domestic Deposit Checking
NoninterestBearingDomesticDepositChecking
23425000
CY2012Q2 us-gaap Business Acquisition Cost Of Acquired Entity Purchase Price
BusinessAcquisitionCostOfAcquiredEntityPurchasePrice
7269000
CY2012Q2 us-gaap Business Acquisition Purchase Price Allocation Assets Acquired
BusinessAcquisitionPurchasePriceAllocationAssetsAcquired
188365000
CY2012Q2 us-gaap Common Stock Value
CommonStockValue
41000
CY2012Q2 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
19814000
CY2012Q2 us-gaap Advances From Federal Home Loan Banks
AdvancesFromFederalHomeLoanBanks
33696000
CY2012Q2 us-gaap Preferred Stock Shares Issued
PreferredStockSharesIssued
shares
CY2012Q2 us-gaap Preferred Stock Value
PreferredStockValue
CY2012Q2 us-gaap Real Estate Acquired Through Foreclosure
RealEstateAcquiredThroughForeclosure
2361000
CY2012Q2 us-gaap Deposits Savings Deposits
DepositsSavingsDeposits
40591000
CY2012Q2 us-gaap Cash Surrender Value Of Life Insurance
CashSurrenderValueOfLifeInsurance
9172000
CY2012Q2 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost
17762000
CY2012Q2 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
15561000
CY2012Q2 us-gaap Tier One Leverage Capital Required For Capital Adequacy To Average Assets
TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets
0.0300 pure
CY2012Q2 us-gaap Preferred Stock Shares Outstanding
PreferredStockSharesOutstanding
shares
CY2012Q2 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
1196000
CY2012Q2 us-gaap Loans And Leases Receivable Consumer Construction
LoansAndLeasesReceivableConsumerConstruction
1455000
CY2012Q2 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
175628000
CY2012Q2 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
175628000
CY2012Q2 us-gaap Accrued Liabilities And Other Liabilities
AccruedLiabilitiesAndOtherLiabilities
5809000
CY2012Q2 us-gaap Business Acquisition Purchase Price Allocation Current Assets Receivables
BusinessAcquisitionPurchasePriceAllocationCurrentAssetsReceivables
44591000
CY2012Q2 us-gaap Unamortized Loan Commitment And Origination Fees And Unamortized Discounts Or Premiums
UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums
192000
CY2012Q2 us-gaap Financing Receivable Modifications Pre Modification Recorded Investment1
FinancingReceivableModificationsPreModificationRecordedInvestment1
1482000
CY2012Q2 us-gaap Tangible Capital Required For Capital Adequacy To Tangible Assets
TangibleCapitalRequiredForCapitalAdequacyToTangibleAssets
0.0150 pure
CY2012Q2 us-gaap Time Deposit Maturities Year One
TimeDepositMaturitiesYearOne
54748000
CY2012Q2 us-gaap Deferred Tax Assets Other
DeferredTaxAssetsOther
299000
CY2012Q2 us-gaap Available For Sale Securities Debt Maturities Within One Year Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue
2564000
CY2012Q2 us-gaap Cash And Due From Banks
CashAndDueFromBanks
3534000
CY2012Q2 us-gaap Servicing Asset At Fair Value Amount
ServicingAssetAtFairValueAmount
2424000
CY2012Q2 us-gaap Tangible Capital Required For Capital Adequacy
TangibleCapitalRequiredForCapitalAdequacy
4852000
CY2012Q2 us-gaap Preferred Stock No Par Value
PreferredStockNoParValue
CY2012Q2 us-gaap Availableforsale Securities Continuous Unrealized Loss Position Less Than12 Months Aggregate Losses2
AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses2
32000
CY2012Q2 us-gaap Loans And Leases Receivable Impaired Nonperforming Nonaccrual Of Interest
LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
1814000
CY2012Q2 us-gaap Bank Owned Life Insurance
BankOwnedLifeInsurance
9172000
CY2012Q2 us-gaap Pledged Financial Instruments Not Separately Reported Securities Pledged
PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesPledged
14665000
CY2012Q2 us-gaap Time Deposits
TimeDeposits
81359000
CY2012Q2 us-gaap Capital Required For Capital Adequacy To Risk Weighted Assets
CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
0.0800 pure
CY2012Q2 us-gaap Common Stock Shares Outstanding
CommonStockSharesOutstanding
3878971 shares
CY2012Q2 us-gaap Pledged Financial Instruments Not Separately Reported Securities For Other Debt Facilities
PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesForOtherDebtFacilities
2120000
CY2012Q2 us-gaap Fair Value Liabilities Measured On Recurring Basis Subordinated Debt Obligations
FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations
4196000
CY2012Q2 us-gaap Financing Receivable Recorded Investment Equal To Greater Than90 Days Past Due
FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
1603000
CY2012Q2 us-gaap Loans And Leases Receivable Commercial
LoansAndLeasesReceivableCommercial
15343000
CY2012Q2 us-gaap Additional Paid In Capital Common Stock
AdditionalPaidInCapitalCommonStock
22112000
CY2012Q2 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment
0
CY2012Q2 us-gaap Tier One Risk Based Capital
TierOneRiskBasedCapital
56376000
CY2012Q2 us-gaap Financing Receivable Modifications Post Modification Recorded Investment1
FinancingReceivableModificationsPostModificationRecordedInvestment1
1404000
CY2012Q2 us-gaap Certain Loans Acquired In Transfer Accounted For As Available For Sale Debt Securities Acquired During Period Contractually Required Payments Receivable At Acquisition
CertainLoansAcquiredInTransferAccountedForAsAvailableForSaleDebtSecuritiesAcquiredDuringPeriodContractuallyRequiredPaymentsReceivableAtAcquisition
46404000
CY2012Q2 us-gaap Liabilities
Liabilities
273649000
CY2012Q2 us-gaap Treasury Stock Value
TreasuryStockValue
2210000
CY2012Q2 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
1404000
CY2012Q2 us-gaap Loans Receivable Commercial Construction
LoansReceivableCommercialConstruction
1455000
CY2012Q2 us-gaap Deferred Compensation Arrangement With Individual Recorded Liability
DeferredCompensationArrangementWithIndividualRecordedLiability
1045000
CY2012Q2 us-gaap Business Acquisition Purchase Price Allocation Liabilities Assumed
BusinessAcquisitionPurchasePriceAllocationLiabilitiesAssumed
188365000
CY2012Q2 us-gaap Business Acquisition Purchase Price Allocation Amortizable Intangible Assets
BusinessAcquisitionPurchasePriceAllocationAmortizableIntangibleAssets
1100000
CY2012Q2 us-gaap Capital
Capital
58001000
CY2012Q2 us-gaap Available For Sale Securities Debt Maturities Within One Year Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost
2533000
CY2012Q2 us-gaap Available For Sale Securities Debt Maturities Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost
63826000
CY2012Q2 us-gaap Loans Receivable Fair Value Disclosure
LoansReceivableFairValueDisclosure
183830000
CY2012Q2 us-gaap Business Acquisition Purchase Price Allocation Current Assets Marketable Securities
BusinessAcquisitionPurchasePriceAllocationCurrentAssetsMarketableSecurities
127962000
CY2012Q2 us-gaap Loans Held For Sale Mortgages
LoansHeldForSaleMortgages
10613000
CY2012Q2 us-gaap Debt Weighted Average Interest Rate
DebtWeightedAverageInterestRate
0.0349 pure
CY2012Q2 us-gaap Common Stock Par Or Stated Value Per Share
CommonStockParOrStatedValuePerShare
0.01
CY2012Q2 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
22098000
CY2012Q2 us-gaap Servicing Asset At Amortized Value
ServicingAssetAtAmortizedValue
2218000
CY2012Q2 us-gaap Available For Sale Securities Fair Value Disclosure
AvailableForSaleSecuritiesFairValueDisclosure
89277000
CY2012Q2 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
1623000
CY2012Q2 us-gaap Weighted Average Rate Domestic Deposit Savings
WeightedAverageRateDomesticDepositSavings
0.0010 pure
CY2012Q2 us-gaap Cash Reserve Deposit Required And Made
CashReserveDepositRequiredAndMade
50000
CY2012Q2 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
7726000
CY2012Q2 us-gaap Loans Held For Sale Commercial Real Estate
LoansHeldForSaleCommercialRealEstate
64672000
CY2012Q2 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
18846000
CY2012Q2 us-gaap Interest Receivable
InterestReceivable
1371000
CY2012Q2 us-gaap Employee Stock Ownership Plan Esop Number Of Allocated Shares
EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares
16616 shares
CY2012Q2 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
6025000
CY2012Q2 us-gaap Business Acquisition Purchase Price Allocation Current Assets Cash And Cash Equivalents
BusinessAcquisitionPurchasePriceAllocationCurrentAssetsCashAndCashEquivalents
827000
CY2012Q2 us-gaap Time Deposit Maturities Year Four
TimeDepositMaturitiesYearFour
701000
CY2012Q2 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
0
CY2012Q2 us-gaap Tangible Capital To Tangible Assets
TangibleCapitalToTangibleAssets
0.1743 pure
CY2012Q2 us-gaap Loans And Leases Receivable Impaired Nonperforming Accrual Of Interest
LoansAndLeasesReceivableImpairedNonperformingAccrualOfInterest
CY2012Q2 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
172658000
CY2012Q2 us-gaap Stockholders Equity
StockholdersEquity
53650000
CY2012Q2 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
2000
CY2012Q2 us-gaap Interest Bearing Deposits In Banks
InterestBearingDepositsInBanks
16280000
CY2012Q2 ebmt Mortgage Servicing Rights Measured At Fair Value
MortgageServicingRightsMeasuredAtFairValue
2424000
CY2012Q2 ebmt Mortgage Servicing Rights
MortgageServicingRights
2218000
CY2012Q2 us-gaap Certain Loans Acquired In Transfer Accounted For As Available For Sale Debt Securities Acquired During Period Cash Flows Expected To Be Collected At Acquisition
CertainLoansAcquiredInTransferAccountedForAsAvailableForSaleDebtSecuritiesAcquiredDuringPeriodCashFlowsExpectedToBeCollectedAtAcquisition
45843000
CY2012Q2 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
3736000
CY2012Q2 us-gaap Notional Amount Of Interest Rate Fair Value Hedge Derivatives
NotionalAmountOfInterestRateFairValueHedgeDerivatives
11536000
CY2012Q2 us-gaap Cash Cash Equivalents And Federal Funds Sold
CashCashEquivalentsAndFederalFundsSold
19814000
CY2012Q2 us-gaap Business Acquisition Purchase Price Allocation Goodwill Amount
BusinessAcquisitionPurchasePriceAllocationGoodwillAmount
6600000
CY2012Q2 ebmt Loans And Leases Receivable Net Reported Amount Nonperforming Loans And Leases
LoansAndLeasesReceivableNetReportedAmountNonperformingLoansAndLeases
3218000
CY2012Q2 ebmt Unallocated Common Stock Held By Esop
UnallocatedCommonStockHeldByESOP
1556000
CY2012Q2 ebmt Business Acquisition Purchase Price Allocation Intangible Assets And Goodwill
BusinessAcquisitionPurchasePriceAllocationIntangibleAssetsAndGoodwill
7646000
CY2012Q2 ebmt Federal Home Loan Bank Advances And Other Borrowings
FederalHomeLoanBankAdvancesAndOtherBorrowings
42696000
CY2012Q2 ebmt Available For Sale Securities Debt Maturity
AvailableForSaleSecuritiesDebtMaturity
67060000
CY2012Q2 ebmt Business Acquisition Purchase Price Allocation Liabilities Assumed And Net Assets
BusinessAcquisitionPurchasePriceAllocationLiabilitiesAssumedAndNetAssets
188365000
CY2012Q2 ebmt Deposit Liabilities Excluding Time Deposits
DepositLiabilitiesExcludingTimeDeposits
138630000
CY2012Q2 ebmt Loan Commitment To Customers With Outstanding Troubled Debt Rrestructuring
LoanCommitmentToCustomersWithOutstandingTroubledDebtRrestructuring
0
CY2012Q2 ebmt Past Due Period Beyond Which Loan Is Considered Default
PastDuePeriodBeyondWhichLoanIsConsideredDefault
P90D
CY2012Q2 ebmt Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due
FinancingReceivableRecordedInvestmentThirtyToEightyNineDaysPastDue
1367000
CY2012Q2 ebmt Nonperforming Assets
NonperformingAssets
5579000
CY2012Q2 ebmt Investment In Federal Home Loan Bank Fhlb Stock Par Value Per Share
InvestmentInFederalHomeLoanBankFHLBStockParValuePerShare
100
CY2012Q2 ebmt Percentage Of Allowance For Loan Loss To Non Performing Loans
PercentageOfAllowanceForLoanLossToNonPerformingLoans
0.505 pure
CY2012Q2 ebmt Percentage Of Allowance For Loan Loss To Non Performing Assets
PercentageOfAllowanceForLoanLossToNonPerformingAssets
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CY2012Q2 ebmt Percentage Of Non Performing Assets To Total Loans
PercentageOfNonPerformingAssetsToTotalLoans
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CY2012Q2 ebmt Impaired Financing Receivable With Related Allowance Related Allowance
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CY2012Q2 ebmt Percentage Of Non Performing Assets To Total Assets
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CY2012Q2 ebmt Mortgage Servicing Rights Net
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CY2012Q2 ebmt Time Deposit Maturities After Year Four
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CY2012Q2 ebmt Federal Home Loan Bank Advances Total Funding Available As A Percent Of Total Assets
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CY2012Q2 ebmt Federal Reserve Bank Advances
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CY2012Q2 ebmt Federal Home Loan Bank Advances And Other Borrowings Maturities Summary
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CY2012Q2 ebmt Federal Home Loan Bank Advances And Other Borrowings Maturities Summary Due After Five Years Of Balance Sheet Date
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CY2012Q2 ebmt Federal Home Loan Bank Advances And Other Borrowings Maturities Summary Due Four To Five Years Of Balance Sheet Date
FederalHomeLoanBankAdvancesAndOtherBorrowingsMaturitiesSummaryDueFourToFiveYearsOfBalanceSheetDate
200000
CY2012Q2 ebmt Federal Home Loan Bank Advances And Other Borrowings Maturities Summary Due Three To Four Years Of Balance Sheet Date
FederalHomeLoanBankAdvancesAndOtherBorrowingsMaturitiesSummaryDueThreeToFourYearsOfBalanceSheetDate
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CY2012Q2 ebmt Federal Home Loan Bank Advances And Other Borrowings Maturities Summary Due Two To Three Years Of Balance Sheet Date
FederalHomeLoanBankAdvancesAndOtherBorrowingsMaturitiesSummaryDueTwoToThreeYearsOfBalanceSheetDate
9200000
CY2012Q2 ebmt Federal Home Loan Bank Advances And Other Borrowings Maturities Summary Due One To Two Years Of Balance Sheet Date
FederalHomeLoanBankAdvancesAndOtherBorrowingsMaturitiesSummaryDueOneToTwoYearsOfBalanceSheetDate
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CY2012Q2 ebmt Federal Home Loan Bank Advances And Other Borrowings Maturities Summary Due Within One Year Of Balance Sheet Date
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16200000
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CY2012Q2 ebmt Deferred Tax Liabilities Securities Available For Sale And Preferred Stock Fasbasc825
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CY2012Q2 ebmt Accrued Interest On Dividends Receivable Fair Value Disclosure
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CY2012Q2 ebmt Time Certificates Of Deposit Fair Value Disclosure
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CY2012Q2 ebmt Accrued Expenses And Other Liabilities Fair Value Disclosure
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CY2012Q2 ebmt Advances From Federal Home Loan Bank And Other Borrowings Fair Value Disclosure
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CY2012Q2 ebmt Loans And Leases Receivable Deferred Fees And Allowances
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1625000
CY2012Q2 ebmt Federal Deposit Insurance Corporation Fdic Covered Deposits Per Account
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250000
CY2012Q2 ebmt Business Acquisition Purchase Price Allocation Equity
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CY2012Q2 ebmt Noninterestbearing Deposit Liabilities250000 Or More Per Account
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CY2012Q2 ebmt Business Acquisition Fair Value Of Net Assets Acquired
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CY2000Q2 us-gaap Employee Stock Ownership Plan Esop Weighted Average Purchase Price Of Shares Purchased
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CY2000Q2 us-gaap Employee Stock Ownership Plan Esop Shares Contributed To Esop
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CY2010Q2 us-gaap Employee Stock Ownership Plan Esop Weighted Average Purchase Price Of Shares Purchased
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CY2010Q2 us-gaap Stock Issued During Period Shares Employee Stock Ownership Plan
StockIssuedDuringPeriodSharesEmployeeStockOwnershipPlan
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CY2010Q2 us-gaap Proceeds From Issuance Initial Public Offering
ProceedsFromIssuanceInitialPublicOffering
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CY2010Q2 us-gaap Employee Stock Ownership Plan Esop Shares Contributed To Esop
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CY2010Q2 us-gaap Stock Issued During Period Value Employee Stock Ownership Plan
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CY2010Q2 us-gaap Stock Issued During Period Shares New Issues
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CY2010Q2 us-gaap Equity Issuance Per Share Amount
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SharesOfCommonStockReceivedByExistingStockholdersForEachShareOfCommonStockThatTheyOwnedImmediatelyPriorToCompletionOfTheTransaction
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CY2010Q2 ebmt Employee Stock Ownership Plan Esop Percent Of Shares Authorized To Be Purchased
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CY2011 us-gaap Allowance For Doubtful Accounts Receivable Charge Offs
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CY2011 us-gaap Income Tax Reconciliation Tax Exempt Income
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InterestPaid
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CY2011 us-gaap Interest Expense Deposits
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CY2011 us-gaap Business Acquisitions Pro Forma Net Income Loss
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CY2011 us-gaap Other Comprehensive Income Loss Tax
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CY2011 us-gaap Loans And Leases Receivable Commitments Fixed Rates
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CY2011 us-gaap Interest And Fee Income Loans And Leases
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CY2011 us-gaap Business Acquisition Pro Forma Earnings Per Share Basic
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CY2011 us-gaap Provision For Doubtful Accounts
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CY2011 us-gaap Effective Income Tax Rate Continuing Operations
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CY2011 us-gaap Employee Stock Ownership Plan Esop Compensation Expense
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CY2011 us-gaap Deferred Compensation Arrangement With Individual Compensation Expense
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CY2011 us-gaap Treasury Stock Value Acquired Cost Method
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CY2011 us-gaap Impaired Financing Receivable Average Recorded Investment
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CY2011 us-gaap Cash And Cash Equivalents Period Increase Decrease
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CY2011 us-gaap Impaired Financing Receivable Interest Income Accrual Method
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CY2011 us-gaap Other Noninterest Expense
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CY2011 us-gaap Bank Owned Life Insurance Income
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CY2011 us-gaap Other Comprehensive Income Unrealized Gain Loss On Derivatives Arising During Period Before Tax
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CY2011 us-gaap Net Cash Provided By Used In Investing Activities
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CY2011 us-gaap Income Taxes Paid
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CY2011 us-gaap Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities
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CY2011 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
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CY2011 us-gaap Treasury Stock Shares Acquired
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CY2011 us-gaap Interest And Dividend Income Operating
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CY2011 us-gaap Other Comprehensive Income Loss Net Of Tax
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CY2011 us-gaap Allowance For Loan And Lease Losses Recoveries Of Bad Debts
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CY2011 us-gaap Income Tax Expense Benefit Continuing Operations
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CY2011 us-gaap Noninterest Income Other Operating Income
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CY2011 us-gaap Treasury Stock Acquired Average Cost Per Share
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CY2011 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
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CY2011 us-gaap Available For Sale Securities Gross Realized Gain Loss Net
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CY2011 us-gaap Gains Losses On Sales Of Other Real Estate
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CY2011 us-gaap Income Tax Expense Benefit
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CY2011 us-gaap Deferred Income Tax Expense Benefit
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CY2011 us-gaap Valuation Allowance For Impairment Of Recognized Servicing Assets Provisions
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CY2011 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
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CY2011 us-gaap Net Income Loss
NetIncomeLoss
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CY2011 us-gaap Allowance For Loan And Lease Losses Provision For Loss Gross
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CY2011 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
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CY2011 us-gaap Fees And Commissions Depositor Accounts
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733000
CY2011 us-gaap Available For Sale Securities Gross Realized Gains
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143000
CY2011 us-gaap Payments Of Dividends
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CY2011 us-gaap Income Tax Reconciliation Other Reconciling Items
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CY2011 us-gaap Increase Decrease In Interest And Dividends Receivable
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CY2011 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
2820000
CY2011 us-gaap Net Income Loss Available To Common Stockholders Basic
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CY2011 us-gaap Noninterest Income
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CY2011 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
25093000
CY2011 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
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CY2011 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
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CY2011 us-gaap Available For Sale Securities Change In Net Unrealized Holding Gain Loss
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909000
CY2011 us-gaap Information Technology And Data Processing
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568000
CY2011 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
1825000
CY2011 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
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CY2011 us-gaap Advertising Expense
AdvertisingExpense
524000
CY2011 us-gaap Increase Decrease In Deposits
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11247000
CY2011 us-gaap Gain Loss On Fair Value Hedges Recognized In Earnings
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198000
CY2011 us-gaap Payments For Repurchase Of Common Stock
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1796000
CY2011 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
1128000
CY2011 us-gaap Interest Income Expense Net
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10873000
CY2011 us-gaap Occupancy Net
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1346000
CY2011 us-gaap Origination Of Mortgage Servicing Rights Ms Rs
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963000
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NoninterestExpense
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123000
CY2011 us-gaap Depreciation
Depreciation
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CY2011 us-gaap Weighted Average Number Of Diluted Shares Outstanding
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CY2011 us-gaap Net Cash Provided By Used In Financing Activities
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BusinessAcquisitionProFormaEarningsPerShareDiluted
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CY2011 us-gaap Labor And Related Expense
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CY2011 us-gaap Allowance For Loan And Lease Losses Write Offs
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CY2011 us-gaap Provision For Other Losses
ProvisionForOtherLosses
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CY2011 us-gaap Income Tax Reconciliation State And Local Income Taxes
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CY2011 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
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CY2011 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
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DeferredFederalIncomeTaxExpenseBenefit
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CY2011 us-gaap Increase Decrease In Loans Held For Sale
IncreaseDecreaseInLoansHeldForSale
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CY2011 ebmt Employee Stock Ownership Plan Esop Number Of Committed To Be Released Value
EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedValue
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CY2011 ebmt Interest Expense Federal Home Loan Bank Advance And Other Borrowings
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CY2011 ebmt Consulting Fees
ConsultingFees
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CY2011 ebmt Employee Stock Ownership Plan Esop Number Of Shares Committed To Be Released
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CY2011 ebmt Effective Income Tax Rate
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CY2011 ebmt Payments For Proceeds From Loan Originations And Principal Collections
PaymentsForProceedsFromLoanOriginationsAndPrincipalCollections
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CY2011 ebmt Loans Serviced During The Period
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CY2011 ebmt Special Bad Debt Deduction Maximum Limit In Prior Years
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CY2011 ebmt Employee Stock Ownership Plan Esop Debt Structure Direct Loan Term
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CY2011 ebmt Employee Stock Ownership Plan Esop Debt Structure Direct Loan Interest Rate
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CY2011 ebmt Employee Stock Ownership Plan Esop Value Of Shares Released
EmployeeStockOwnershipPlanESOPValueOfSharesReleased
173000
CY2011 ebmt Business Acquisition Pro Forma Net Interest Income
BusinessAcquisitionProFormaNetInterestIncome
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CY2011 ebmt Business Acquisition Pro Forma Non Interest Income
BusinessAcquisitionProFormaNonInterestIncome
5991000
CY2011 ebmt Business Acquisition Pro Forma Non Interest Expense
BusinessAcquisitionProFormaNonInterestExpense
15302000
CY2012 dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
FY
CY2012 dei Entity Voluntary Filers
EntityVoluntaryFilers
No
CY2012 dei Trading Symbol
TradingSymbol
EBMT
CY2012 dei Entity Registrant Name
EntityRegistrantName
Eagle Bancorp Montana, Inc.
CY2012 dei Entity Current Reporting Status
EntityCurrentReportingStatus
Yes
CY2012 dei Amendment Flag
AmendmentFlag
false
CY2012 dei Entity Filer Category
EntityFilerCategory
Smaller Reporting Company
CY2012 dei Document Fiscal Year Focus
DocumentFiscalYearFocus
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CY2012 dei Document Type
DocumentType
10-K
CY2012 dei Document Period End Date
DocumentPeriodEndDate
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CY2012 dei Entity Central Index Key
EntityCentralIndexKey
0001478454
CY2012 dei Entity Well Known Seasoned Issuer
EntityWellKnownSeasonedIssuer
No
CY2012 dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
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WeightedAverageNumberOfSharesOutstandingBasic
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CY2012 us-gaap Current State And Local Tax Expense Benefit
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CY2012 us-gaap Allowance For Doubtful Accounts Receivable Charge Offs
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CY2012 us-gaap Proceeds From Sale Of Available For Sale Securities
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<div style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"> <div> <table style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr valign="top"> <td style="WIDTH: 54pt"> <div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#xA0;</font></div> </td> <td> <div align="justify"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"> Significant Group Concentrations of Credit Risk</font></div> </td> </tr> </table> </div> <div style="TEXT-INDENT: 0pt; DISPLAY: block"><br /></div> <div> <table style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr valign="top"> <td style="WIDTH: 54pt"> <div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#xA0;</font></div> </td> <td> <div align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Most of the Company&#x2019;s business activity is with customers located within the south-central Montana area.&#xA0;&#xA0;Note 3 discusses the types of securities that the Company invests in.&#xA0;&#xA0;Note 4 discusses the types of lending that the Company engages in.&#xA0;&#xA0;The Company does not have any significant concentrations to any one industry or customer.</font></div> </td> </tr> </table> </div> <div style="TEXT-INDENT: 0pt; DISPLAY: block"><br /></div> <div> <table style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr valign="top"> <td style="WIDTH: 54pt"> <div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#xA0;</font></div> </td> <td> <div align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company carries certain assets with other financial institutions which are subject to credit risk by the amount such assets exceed federal deposit insurance limits. At June 30, 2012 and June 30, 2011, no account balances were held with correspondent banks that were in excess of FDIC insured levels, except for federal funds sold.&#xA0;&#xA0;Also, from time to time, the Company is due amounts in excess of FDIC insurance limits for checks and transit items.&#xA0;&#xA0;Management monitors the financial stability of correspondent banks and considers amounts advanced in excess of FDIC insurance limits to present no significant additional risk to the Company.</font></div> </td> </tr> </table> </div> </div>
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1695000
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891000
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2000
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10274000
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272000
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193000
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20738000
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256000
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339000
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<div style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"> <div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"> Nature of Operations</font></div> <div style="TEXT-INDENT: 0pt; DISPLAY: block"><br /></div> <div> <table style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr valign="top"> <td style="WIDTH: 54pt"> <div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#xA0;</font></div> </td> <td> <div align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">On April 5, 2010, Eagle Bancorp completed its second-step conversion from the partially-public mutual holding company structure to the fully publicly-owned stock holding company structure.&#xA0;&#xA0;As part of that transaction it also completed a related stock offering.&#xA0;&#xA0;As a result of the conversion and offering, Eagle Bancorp Montana, Inc. (&#x201C;the Company&#x201D;, or &#x201C;Eagle&#x201D;) became the stock holding company for American Federal Savings Bank (&#x201C;the Bank&#x201D;), and Eagle Financial MHC and Eagle Bancorp ceased to exist.&#xA0;&#xA0;The Company sold a total of 2,464,274 shares of common stock at a purchase price of $10.00 per share in the offering for gross proceeds of $24.6 million.&#xA0;&#xA0;Concurrent with the completion of the offering, shares of Eagle Bancorp common stock owned by the public were exchanged.&#xA0;&#xA0;Stockholders of Eagle Bancorp received 3.800 shares of the Company's common stock for each share of Eagle Bancorp common stock that they owned immediately prior to completion of the transaction.</font></div> </td> </tr> </table> </div> <div style="TEXT-INDENT: 0pt; DISPLAY: block"><br /></div> <div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company&#x2019;s Employee Stock Ownership Plan (&#x201C;ESOP&#x201D;), which purchased shares in the Offering, was authorized to purchase up to 8% of the shares sold in the Offering, or 197,142 shares.&#xA0;&#xA0;The ESOP completed its purchase of all such authorized shares in the Offering, at a total cost of $1,971,420.</font></div> <div style="TEXT-INDENT: 0pt; DISPLAY: block"><br /></div> <div> <table style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr valign="top"> <td style="WIDTH: 54pt"> <div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#xA0;</font></div> </td> <td> <div align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Bank is a federally chartered savings bank subject to the regulations of the Office of Thrift Supervision (&#x201C;OTS&#x201D;).&#xA0;&#xA0;These regulations have been transferred to the Office of the Comptroller of the Currency (&#x201C;OCC&#x201D;) effective July 21, 2011.&#xA0;&#xA0;The Bank is a member of the Federal Home Loan Bank System and its deposit accounts are insured to the applicable limits by the Federal Deposit Insurance Corporation (&#x201C;FDIC&#x201D;).</font></div> </td> </tr> </table> </div> <div style="TEXT-INDENT: 0pt; DISPLAY: block"><br /></div> <div> <table style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"> <tr valign="top"> <td style="WIDTH: 54pt"> <div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#xA0;</font></div> </td> <td> <div align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Bank is headquartered in Helena, Montana, and operates additional branches in Butte, Bozeman, and Townsend, Montana.&#xA0;&#xA0;The Bank&#x2019;s market area is concentrated in south central Montana, to which it primarily offers commercial, residential, and consumer loans.&#xA0;&#xA0;The Bank&#x2019;s principal business is accepting deposits and, together with funds generated from operations and borrowings, investing in various types of loans and securities.&#xA0;&#xA0;Collectively, Eagle Bancorp Montana Inc., and the Bank are referred to herein as &#x201C;the Company.&#x201D;</font></div> </td> </tr> </table> </div> </div>
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20000
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IncomeTaxExpenseBenefitContinuingOperations
792000
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NoninterestIncomeOtherOperatingIncome
849000
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386000
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1101000
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10.43
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1201000
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974000
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490000
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IncomeTaxExpenseBenefit
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DeferredIncomeTaxExpenseBenefit
98000
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CY2012 us-gaap Valuation Allowance For Impairment Of Recognized Servicing Assets Provisions
ValuationAllowanceForImpairmentOfRecognizedServicingAssetsProvisions
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CY2012 us-gaap Allowance For Loan And Lease Losses Provision For Loss Gross
AllowanceForLoanAndLeaseLossesProvisionForLossGross
1101000
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2517000
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2178
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1073000
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4174000
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898000
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694000
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CY2012 us-gaap Payments To Acquire Life Insurance Policies
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1380000
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705000
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39000
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1106000
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37000
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22000
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168000
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1994000
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528000
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500000
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CY2010Q4 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
926000
CY2010Q4 us-gaap Interest Expense
InterestExpense
1078000
CY2011Q3 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
3653000
CY2011Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.11
CY2011Q3 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
258000
CY2011Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
187000
CY2011Q3 us-gaap Net Income Loss
NetIncomeLoss
428000
CY2011Q3 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
905000
CY2011Q3 us-gaap Noninterest Income
NoninterestIncome
569000
CY2011Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.11
CY2011Q3 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
2501000
CY2011Q3 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
2759000
CY2011Q3 us-gaap Noninterest Expense
NoninterestExpense
2455000
CY2011Q3 us-gaap Common Stock Dividends Per Share Cash Paid
CommonStockDividendsPerShareCashPaid
0.07125
CY2011Q3 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
615000
CY2011Q3 us-gaap Interest Expense
InterestExpense
894000
CY2011Q4 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
3660000
CY2011Q4 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.13
CY2011Q4 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
325000
CY2011Q4 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
215000
CY2011Q4 us-gaap Net Income Loss
NetIncomeLoss
487000
CY2011Q4 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
-230000
CY2011Q4 us-gaap Noninterest Income
NoninterestIncome
1075000
CY2011Q4 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.12
CY2011Q4 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
2507000
CY2011Q4 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
2832000
CY2011Q4 us-gaap Noninterest Expense
NoninterestExpense
2880000
CY2011Q4 us-gaap Common Stock Dividends Per Share Cash Paid
CommonStockDividendsPerShareCashPaid
0.07125
CY2011Q4 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
702000
CY2011Q4 us-gaap Interest Expense
InterestExpense
828000

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