FDIC Certificate #: 57477 Status: Active Federal Reserve ID: 3133570 Bank Holding Company (Regulatory Top Holder): Eagle Community Bancshares, Inc. (RSSDID: 3133561, Location: Brooklyn Park, MN) Date Established: December 12, 2002 WWW:http://www.eaglecommunitybank.com 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 #: 364056 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: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: December 12, 2002 Last Structure Change Effective Date: Febuary 29, 2012 Last Structure Change Process Date: Febuary 29, 2012 Last Data Update: Febuary 29, 2012 Data Source Date: April 05, 2012
Location
Address: 9600 Upland Lane North, Maple Grove, MN 55369 County: Hennepin Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Minneapolis Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Minneapolis-St. Paul, MN-WI (#5120) Combined Statistical Area (CSA): Minneapolis-St. Paul-St. Cloud, MN-WI (#378) Core Based Statistical Area (CBSA): Minneapolis-St. Paul-Bloomington, MN-WI (#33460) CBSA Metro Statistical Area: Minneapolis-St. Paul-Bloomington, MN-WI (#33460)
Financial Summary
Total assets: $21.2 mil Equity capital: $1.2 mil Deposits held in domestic offices: $20.0 mil Return on assets (ROA): -3.47% (-$0.7 mil) Quarterly return on assets: -5.43% (-$1.1 mil) Return on Equity (ROE): -59.28% (-$0.6 mil) Quarterly return on equity: -99.71% (-$1.0 mil) Net income: -$0.8 mil Quarterly Net income: -$0.3 mil Pretax return on assets: -3.47% (-$737.3 mil) Quarterly Pretax return on assets: -5.43% (-$1,153.8 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
5Total employees (full-time equivalent)
$21,248Total assets
$3,285Cash and due from depository institutions
$2,767Interest-bearing balances
$1,206Securities
$0Federal funds sold & reverse repurchase agreements
$13,564Net loans & leases
$173Loan loss allowance
$0Trading account assets
$241Bank premises and fixed assets
$2,657Other real estate owned
$0Goodwill and other intangibles
$21,249Life insurance assets
$295All other assets
$20,097Total liabilities and capital
$20,043Total liabilities
$17,553Total deposits
$20,043Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$54Subordinated debt
$1,152All other liabilities
$1,152Total equity capital
$1,152Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$3,050Surplus
$-2,898Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$606Income earned, not collected on loans
$0Earning assets
$64Long-term assets (5+ years)
$17,537Average Assets, year-to-date
$798Average Assets, quarterly
$23,841Volatile liabilities
$22,106Insider loans
$15,302FHLB advances
$22,016Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,131Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$272Restructured Loans and leases
$1,227Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,095Total interest income
$330Total interest expense
$765Net interest income
-$25Provision for loan and lease losses
-$238Total noninterest income
$0Fiduciary activities
$18Service charges on deposit accounts
$0Trading account gains & fees
-$256Additional noninterest income
$1,380Total noninterest expense
$450Salaries and employee benefits
$250Premises and equipment expense
$680Additional noninterest expense
-$828Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$828Income before extraordinary items
$0Extraordinary gains - net
-$828Net income attributable to bank
$0Net charge-offs
-$828Cash dividends
$303Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.32%Yield on earning assets
1.60%Cost of funding earning assets
3.72%Net interest margin
-1.16%Noninterest income to earning assets
6.71%Noninterest expense to earning assets
-3.47%Net operating income to assets
-3.47%Return on assets (ROA)
-3.47%Pretax return on assets
-59.28%Return on equity (ROE)
-59.28%Retained earnings to average equity (YTD only)
1.86%Net charge-offs to loans
-8.25%Credit loss provision to net charge-offs
-2.82%Efficiency ratio
261,860Assets per employee
4.25%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.26%Loss allowance to noncurrent loans
28.55%Noncurrent assets plus other real estate owned to assets
15.36%Noncurrent loans to loans
4.41%Net loans and leases to deposits
67.67%Net loans and leases to core deposits
71.47%Equity capital to assets
5.42%Core capital (leverage) ratio
5.14%Tier 1 risk-based capital ratio
7.39%Total risk-based capital ratio
Memoranda
$9Average assets
$23,841Average earning assets
$1,397Average equity
$20,579Average loans
List of branches
1 Minnesota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
364056
Eagle Community Bank
9600 Upland Lane North, Maple Grove, MN 55369
December 12, 2002
Full Service Brick and Mortar
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