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Golden Eagle Community Bank

Woodstock, IL · Cert 58579

FDIC · 3 branches

Q2 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2019, the quarter ended June 30, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Golden Eagle Community Bank

Woodstock, IL · Cert 58579

FDIC · 3 branches

Q2 2019

$171.4MAssets
$138.7MLoans
$147.1MDeposits
$16.9MEquity
Loan mix
90%RE $97.0M9%C&I $9.8M1%Consumer $0.6MQ2 2018Q2 2019
Deposit mix
87%Interest-bearing $127.9M13%Noninterest $19.2MQ2 2018Q2 2019

NIM

4.02%Q2 ’174.20%Q2 ’184.51%Q2 ’19+2%-4%

Non-interest income vs. expense

2.57%Q2 ’172.64%Q2 ’183.11%Q2 ’19+7%+13%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2019 SOD (annual) · 0.0% share · #115 of 180 inst. · $0.1B of $415.7B

Executive Summary

  • Earnings: ROA of 0.26%, down 31 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 2.56% of loans (+250 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.54%, down 62 bps from a year ago.
  • Funding: loans stand at 94.30% of deposits as of Q2 2019.

Financial Results

Return on Assets (YTD, annualized)

0.26%-31 bps YoY

Net Interest Margin (YTD, annualized)

3.30%-15 bps YoY

Efficiency Ratio (YTD, annualized)

88.35%+1,320 bps YoY

Tier 1 Leverage Ratio

9.54%-62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2018Q3 2018Q4 2018Q1 2019Q2 2019YoY ΔTrend
Earnings
Return on Assets0.57%0.57%0.47%0.55%0.26%-31 bps
Return on Equity5.65%5.55%4.65%5.45%2.66%-299 bps
Net Interest Margin3.45%3.47%3.37%3.41%3.30%-15 bps
Efficiency Ratio75.15%76.29%79.82%79.26%88.35%+1,320 bps
Non-Interest Burden2.56%2.61%2.66%2.61%2.88%+33 bps
Growth
Asset Growth (YoY)0.28%3.35%1.41%6.47%14.24%+1,396 bps
Loan Growth (YoY)0.45%3.09%9.26%14.83%19.30%+1,885 bps
Deposit Growth (YoY)0.39%0.93%-2.22%2.56%11.79%+1,140 bps
Asset Quality
Nonperforming Loans / Loans0.06%2.31%1.99%1.37%2.56%+250 bps
Net Charge-Offs / Loans0.03%0.04%0.05%0.00%0.00%-3 bps
Allowance / Loans1.33%1.29%1.20%1.14%1.13%-21 bps
Allowance Coverage of NPLs21.5x0.6x0.6x0.8x0.4x-21.1x
Capital
Tier 1 Leverage Ratio10.16%10.35%10.20%9.91%9.54%-62 bps
Total Risk-Based Capital14.36%13.72%13.05%12.87%12.51%-185 bps
Equity / Assets10.69%10.44%10.17%9.86%9.84%-85 bps
Liquidity & Funding
Loans / Deposits88.36%89.77%93.11%91.98%94.30%+594 bps
Liquid Assets / Assets1.17%1.13%1.08%1.03%1.02%-15 bps
CRE / Total Capitaln/an/an/an/an/an/an/a