The Ecuatorian flag is very similar to the Venezuelan and the Colombian Flag. In 1860, Ecuador adopted the flag we know today. Yellow, for the riches of the land and the warmth of the sun. But there is no such thing as a civilian flag. But there is only one flag, and it is the one with the coat of arms.
Every publication seems to use a different eagle.
Although the text mentiones the decree of 1900 it does not say anything about later changes. I do not believe that the civil ensign is with CoA as this might lead to confusion with the Colombian civil ensign, which is the same flag with a badge in the center. I think the flag with CoA is preferred in articles, maps etc. Yesterday the Spanish Undersecretary for Immigration travelled to Ecuador to negotiate an agreement on the immigrants' quota. Images on TV showed crowds of people waving small plastic flags.