# GOLDEN EAGLE COMMUNITY BANK
WOODSTOCK, IL · FDIC certificate 58579 · asset band <$300M · latest filing 2019-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $171.4M | |
| Deposits | $147.1M | |
| Loans and leases | $138.7M | |
| Total equity | $16.9M | |
| Loans / deposits | 93.24% (p81 of band) | 77.89% |
| Liquid assets / assets | 14.67% (p13 of band) | |
| Uninsured deposits / deposits | 8.06% (p18 of band) | 15.76% |
| Brokered deposits | 5.70% | |
| Wholesale funding | 9.79% (p83 of band) | |
| FHLB advances / assets | 4.08% | |
| Tier 1 leverage | 9.54% (p19 of band) | 11.44% |
| Unrealized securities loss / equity | 0.04% (p30 of band) | 0.54% |
| AOCI / equity | 1.43% (p41 of band) | |
| ROA (annualized) | 0.26% (p10 of band) | 1.03% |
| Net interest margin | 3.67% (p40 of band) | 3.82% |
| Efficiency ratio | 88.35% (p89 of band) | |
| Noncurrent loans | 2.56% (p89 of band) | 0.54% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 44.02% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 115.03% (p97 of band) | |
| Auto loans | $98,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.8% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | NIM <2.5% |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 4 | capital falling |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 6 | brokered >10%, charge-offs p90 |  |
| 2012-12 | 6 | expense ratio p90 | capital falling |
| 2013-03 | 5 | deposits shrinking, assets shrinking | losing money, charge-offs p90, expense ratio p90 |
| 2013-06 | 5 |  |  |
| 2013-09 | 6 | charge-offs p90 |  |
| 2013-12 | 6 | capital falling | brokered >10% |
| 2014-03 | 3 |  | noncurrent p90, deposits shrinking, capital falling |
| 2014-06 | 2 |  | assets shrinking |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 | capital falling | charge-offs p90 |
| 2015-06 | 0 |  | reserve under noncurrent, capital falling |
| 2015-09 | 1 | uninsured deposits leaving |  |
| 2015-12 | 2 | noncurrent p90, reserve under noncurrent | uninsured deposits leaving |
| 2016-03 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2018-12 | 3 | uninsured deposits leaving |  |
| 2019-03 | 4 | capital falling |  |
| 2019-06 | 3 |  | uninsured deposits leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-08-12 [Two major suburban credit unions to merge - Daily Herald](https://news.google.com/rss/articles/CBMikgFBVV95cUxPTEdhVi1nZ3Y3M050bHdDenZncVY4RFppSF9iRlJXQjBFSUVfRERjVEZfbXBKY1V1UUhtalRybkE4NnpsTlctNlgyNHBjMEpSV0dzMWF1LUp0Wno1VVdJNklwTnJ2cHdXNDNCMzU5YzJ5NzFkMmp6bHF3dEhlMFNMVWNhWmxBSG9EZGdOaTNZMFVaUQ?oc=5) · Daily Herald
- 2015-10-27 [Silver Bars and Fraudulent Transfers in Rego Group - Forbes](https://news.google.com/rss/articles/CBMipgFBVV95cUxOTmV3c2JrUm80UFJBeTRwdUgtekVVS0ZGRHpfMkJLME5LdUpMUDBWekJzUTQ4THA2UGhNekV2SVdWZVR1VGlVSVlneFNueVcycjNCNk1aSGVhZHNVS2VIcE03Rl9oZXNJM19qUWZrZDIzcE1JbXd5WFdLeW81R0RnSk14RHRwbXBQZlZSTHRHcm9sYXBra1pudnU0d2R2eE0wRXdwZHVB?oc=5) · Forbes
- 2019-02-26 [Everyday Heroes 2019: Steve Finzel - Shaw Local](https://news.google.com/rss/articles/CBMihgFBVV95cUxNc3UzeUVOcDJSYmgtUDZFN19lU3o1azBxMW1Pb1Z5MlpNdk8wRGpTTUViY3JUNmdmSmRlNk5RVTlxT3NjY3JSX2tvUk1qT1hfT0xGaWV5ajdsazVnMzVSYnMwVm0zRGQyTlRFbFdGalVSLUFEcWxxT25wNU9QR0ZBb1lWTEhZZw?oc=5) · Shaw Local
- 2009-06-21 [Keith Langhamer Obituary (2009) - Cary, IL - Northwest Herald - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxOODh2UE5QVEoxX1lhM280MjRVSnZ4VEM4QUotdGtsRXduNEFLN0FhN2t0UGtwN2pob3BzZ1h0STNkLWJYWTJIZVo5MWZaMEQ4NkppeXpZUjh5U0NobVJjdW9BczRzU2twcE01RkI4dTBrVW1sWjUycF9HQ1NISURVbW1xZjFWWlJTTVlWVXhLNA?oc=5) · Legacy obituary
- 2019-08-18 [Great Lakes acquires Chicago credit union - Daily Herald](https://news.google.com/rss/articles/CBMikgFBVV95cUxOSjFVV1VJWVVwbl80WGw2UmlpTFRzWDBDdlphNWxGT25FSG9ya21pZmRTY2JpaFZSRmEyd2l1MjZqcXNCY3ZEU0JCVUJHNTVnSF81ZVQ4UmNqbGlFTWpyTXRkdGpUdVZvaFFFc1AySlZLYnk3YzNaOUxkdUFGcXppNXlseU1wZW5VbW5raGlDcmFwdw?oc=5) · Daily Herald
- 2019-02-22 [Cary-Grove Area Chamber of Commerce hosts dinner, silent auction - Shaw Local](https://news.google.com/rss/articles/CBMirgFBVV95cUxQWGo4cS1mWVNFRnE0M1ZzVUdwd0ZrZk9aU0preXpLUG02VEZVZ3NsSVFXTjFFMnZsTDlIN3pBRDBRRFlRVjBqYWlXUWgwU0RQa2FQMThhSDVjdzljUXBsb1Z2RVdqeDgxa0RwMG9xTFh4RU45bXVjVWtKa2FXUXQyRmx3ajdzcnJPZGRMc0R0VDBUQlBNOVRpVWgzWTN1N3d0MHQxNUdwWFVHVGdKVVE?oc=5) · Shaw Local

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58579 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/19.json (key "58579", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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