Golden Eagle Community Bank in Woodstock, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Golden Eagle Community Bank - Overview

  • General
  • FDIC Certificate #: 58579
    Status: Active
    Federal Reserve ID: 3602889
    Bank Holding Company (Regulatory Top Holder): Golden Eagle Bancorp, Inc. (RSSDID: 3831139, Location: Woodstock, IL)
    Date Established: October 31, 2007
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 457320
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 31, 2007
    Last Structure Change Effective Date: May 20, 2011
    Last Structure Change Process Date: May 20, 2011
    Last Data Update: May 20, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 975 Country Club Road, Woodstock, IL 60098
    County: Mchenry
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Chicago
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Chicago, IL (#1600)
    Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14)
    Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176)
    Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $149.6 mil
    Equity capital: $16.2 mil
    Deposits held in domestic offices: $130.8 mil
    Return on assets (ROA): 0.53% ($0.8 mil)
    Quarterly return on assets: 1.22% ($1.8 mil)
    Return on Equity (ROE): 5.00% ($0.8 mil)
    Quarterly return on equity: 11.18% ($1.8 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.38% ($568.4 mil)
    Quarterly Pretax return on assets: -0.02% (-$29.9 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 21Total employees (full-time equivalent)
  • $149,583Total assets
  • $1,739Cash and due from depository institutions
  • $0Interest-bearing balances
  • $24,461Securities
  • $7,572Federal funds sold & reverse repurchase agreements
  • $104,722Net loans & leases
  • $2,625Loan loss allowance
  • $0Trading account assets
  • $3,615Bank premises and fixed assets
  • $4,663Other real estate owned
  • $0Goodwill and other intangibles
  • $149,583Life insurance assets
  • $2,811All other assets
  • $133,351Total liabilities and capital
  • $130,822Total liabilities
  • $126,581Total deposits
  • $130,822Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,930Trading liabilities
  • $0Other borrowed funds
  • $599Subordinated debt
  • $16,232All other liabilities
  • $16,232Total equity capital
  • $16,232Total bank equity capital
  • $0Perpetual preferred stock
  • $5,391Common stock
  • $11,949Surplus
  • $-1,108Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,899Income earned, not collected on loans
  • $0Earning assets
  • $508Long-term assets (5+ years)
  • $136,755Average Assets, year-to-date
  • $14,740Average Assets, quarterly
  • $150,381Volatile liabilities
  • $147,097Insider loans
  • $120,453FHLB advances
  • $147,652Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $16,016Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,837Restructured Loans and leases
  • $3,277Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,579Total interest income
  • $2,419Total interest expense
  • $5,160Net interest income
  • $680Provision for loan and lease losses
  • -$20Total noninterest income
  • $0Fiduciary activities
  • $116Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$136Additional noninterest income
  • $3,902Total noninterest expense
  • $1,845Salaries and employee benefits
  • $304Premises and equipment expense
  • $1,753Additional noninterest expense
  • $558Pre-tax net operating income
  • $16Securities gains (losses)
  • -$219Applicable income taxes
  • $793Income before extraordinary items
  • $0Extraordinary gains - net
  • $793Net income attributable to bank
  • $0Net charge-offs
  • $793Cash dividends
  • $186Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.51%Yield on earning assets
  • 1.76%Cost of funding earning assets
  • 3.75%Net interest margin
  • -0.01%Noninterest income to earning assets
  • 2.83%Noninterest expense to earning assets
  • 0.52%Net operating income to assets
  • 0.53%Return on assets (ROA)
  • 0.38%Pretax return on assets
  • 5.00%Return on equity (ROE)
  • 5.00%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 365.59%Credit loss provision to net charge-offs
  • 6.66%Efficiency ratio
  • 75,914Assets per employee
  • 7.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.45%Loss allowance to noncurrent loans
  • 33.23%Noncurrent assets plus other real estate owned to assets
  • 8.40%Noncurrent loans to loans
  • 7.36%Net loans and leases to deposits
  • 80.05%Net loans and leases to core deposits
  • 88.56%Equity capital to assets
  • 10.85%Core capital (leverage) ratio
  • 10.85%Tier 1 risk-based capital ratio
  • 13.30%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $150,381Average earning assets
  • $15,857Average equity
  • $137,651Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0457320Golden Eagle Community Bank975 Country Club Road, Woodstock, IL 60098October 31, 2007Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Golden Eagle Community Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents