Golden Eagle Community Bank

975 Country Club Road
Woodstock, IL 60098
815-321-5000
www.bankgoldeneagle.com

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Golden Eagle Community Bank is headquartered in Woodstock and is the 262^nd largest bank in the state of Illinois. It is also the 3,824^th largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 21 employees at 1 location. Golden Eagle Community Bank has a 2-star health rating.

Golden Eagle Community Bank Routing Number: 071926854

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See Rates for: Checking | Savings | Money Market | CD | IRA

Golden Eagle Community Bank Checking Account Rates

Apy	Min	Max	Product
0.25%	$10k	-	Golden Eagle Checking
0.25%	$10k	-	Eagle Advantage Checking
0.15%	$10k	-	Free Eagle Checking
0.15%	$10k	-	NOW Checking

Golden Eagle Community Bank Savings Account Rates

Apy	Min	Max	Product
0.50%	-	-	Junior Eagle Savings
0.40%	$500	-	Health Savings Account
0.30%	$10k	-	Golden Savings
0.30%	$10k	-	Business Savings

Golden Eagle Community Bank Money Market Rates

Apy	Min	Max	Product
0.30%	$25k	-	Golden Money Market
0.30%	$25k	-	Business Golden Money Market

Golden Eagle Community Bank CD Rates

Apy	Min	Max	Product
1.50%	$100k	-	60 Month Jumbo CD
1.50%	$100k	-	60 Month Jumbo Business CD
1.40%	$1k	-	60 Month CD
1.40%	$1k	-	60 Month Business CD
1.30%	$100k	-	48 Month Jumbo CD
1.30%	$100k	-	48 Month Jumbo Business CD
1.20%	$1k	-	48 Month CD
1.20%	$100k	-	36 Month Jumbo CD
1.20%	$100k	-	36 Month Jumbo Business CD
1.20%	$1k	-	48 Month Business CD
1.10%	$1k	-	36 Month CD
1.10%	$1k	-	36 Month Business CD
1.00%	$100k	-	30 Month Jumbo CD
1.00%	$100k	-	30 Month Jumbo Business CD
0.90%	$1k	-	30 Month CD
0.90%	$1k	-	30 Month Business CD
0.80%	$100k	-	24 Month Jumbo CD
0.80%	$100k	-	24 Month Jumbo Business CD
0.70%	$1k	-	24 Month CD
0.70%	$1k	-	24 Month Business CD
0.60%	$100k	-	18 Month Jumbo CD
0.60%	$100k	-	18 Month Jumbo Business CD
0.50%	$1k	-	18 Month CD
0.50%	$100k	-	12 Month add on Jumbo CD
0.50%	$100k	-	12 Month add on Jumbo Business CD
0.50%	$1k	-	18 Month Business CD
0.40%	$1k	-	12 Month add on CD
0.40%	$100k	-	12 Month Jumbo CD
0.40%	$1k	-	12 Month add on Business CD
0.40%	$100k	-	12 Month Jumbo Business CD
0.30%	$1k	-	12 Month CD
0.30%	$1k	-	12 Month Business CD
0.25%	$1k	-	6 Month CD
0.25%	$100k	-	6 Month Jumbo CD
0.25%	$1k	-	6 Month Business CD
0.25%	$100k	-	6 Month Jumbo Business CD
0.15%	$1k	-	3 Month CD
0.15%	$100k	-	3 Month Jumbo CD
0.15%	$1k	-	3 Month Business CD
0.15%	$100k	-	3 Month Jumbo Business CD
0.10%	$1k	-	1 Month CD
0.10%	$100k	-	1 Month Jumbo CD
0.10%	$1k	-	1 Month Business CD
0.10%	$100k	-	1 Month Jumbo Business CD

Golden Eagle Community Bank IRA Rates

Apy	Min	Max	Product
1.50%	$100k	-	60 Month Jumbo IRA
1.50%	$100k	-	60 Month Jumbo Roth IRA
1.40%	$1k	-	60 Month IRA
1.40%	$1k	-	60 Month Roth IRA
1.30%	$100k	-	48 Month Jumbo IRA
1.30%	$100k	-	48 Month Jumbo Roth IRA
1.20%	$100k	-	36 Month Jumbo IRA
1.20%	$1k	-	48 Month IRA
1.20%	$100k	-	36 Month Jumbo Roth IRA
1.20%	$1k	-	48 Month Roth IRA
1.10%	$1k	-	36 Month IRA
1.10%	$1k	-	36 Month Roth IRA
1.00%	$100k	-	30 Month Jumbo IRA
1.00%	$100k	-	30 Month Jumbo Roth IRA
0.90%	$1k	-	30 Month IRA
0.90%	$1k	-	30 Month Roth IRA
0.80%	$100k	-	24 Month Jumbo IRA
0.80%	$100k	-	24 Month Jumbo Roth IRA
0.70%	$1k	-	24 Month IRA
0.70%	$1k	-	24 Month Roth IRA
0.60%	$100k	-	18 Month Jumbo IRA
0.60%	$100k	-	18 Month Jumbo Roth IRA
0.50%	$100k	-	12 Month add on Jumbo IRA
0.50%	$1k	-	18 Month IRA
0.50%	$100k	-	12 Month add on Jumbo Roth IRA
0.50%	$1k	-	18 Month Roth IRA
0.40%	$1k	-	12 Month add on IRA
0.40%	$100k	-	12 Month Jumbo IRA
0.40%	$1k	-	12 Month add on Roth IRA
0.40%	$100k	-	12 Month Jumbo Roth IRA
0.30%	$1k	-	12 Month IRA
0.30%	$1k	-	12 Month Roth IRA
0.25%	$1k	-	6 Month IRA
0.25%	$100k	-	6 Month Jumbo IRA
0.25%	$1k	-	6 Month Roth IRA
0.25%	$100k	-	6 Month Jumbo Roth IRA
0.15%	$1k	-	3 Month IRA
0.15%	$100k	-	3 Month Jumbo IRA
0.15%	$1k	-	3 Month Roth IRA
0.15%	$100k	-	3 Month Jumbo Roth IRA
0.10%	$1k	-	1 Month IRA
0.10%	$100k	-	1 Month Jumbo IRA
0.10%	$1k	-	1 Month Roth IRA
0.10%	$100k	-	1 Month Jumbo Roth IRA

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

Golden Eagle Community Bank
FDIC Certificate #	58579
BankRate Report	View
Year Established	2007
Employees	21
Primary Regulator	FDIC
Assets and Liabilities
Assets	$153.03 million
Loans	$103.28 million
Deposits	$134.33 million
Equity Capital	$16.39 million
Loan Loss Allowance	$2.47 million
Unbacked Noncurrent Loans	$10.79 million
Real Estate Owned	$4.71 million
Historic Data - March 2011
Assets	$154.02 million
Equity Capital	$15.69 million
Loan Loss Allowance	$2.34 million
Unbacked Noncurrent Loans	$6.67 million
Real Estate Owned	$4.77 million
Profit Margin - Quarterly
Net Interest Margin	3.33%
Return on Assets	0.07%
Return on Equity	0.66%
Interest Income	$1.65 million

Institution Health

Overall Score:

2 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Golden Eagle Community Bank had $15.5 million in non-current loans and owned real-estate with $18.86 million in equity and loan loss allowances on hand to cover it. This gives Golden Eagle Community Bank a Texas Ratio of 82.15% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Golden Eagle Community Bank increased slightly from 63.46% as of March 31, 2011 to 82.15% as of March 31, 2012, resulting in a negative change of 29.45%. This indicates that the balance sheet and financial strength for Golden Eagle Community Bank has declined slightly in recent periods.
Deposit Growth
In the past year, Golden Eagle Community Bank has decreased its total deposits by -$3.23 million, resulting in -2.35% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Golden Eagle Community Bank has shown is below average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Golden Eagle Community Bank has $153.03 million in assets with $18.86 million in equity, resulting in a capitalization level of 12.32%, which is excellent.

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