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 WWW:http://www.bankgoldeneagle.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 #: 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
No
ID
Name
Address
Established
Service Type
Map
0
457320
Golden Eagle Community Bank
975 Country Club Road, Woodstock, IL 60098
October 31, 2007
Full Service Brick and Mortar
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