Millennium Bank (KS)

Millennium Bank (KS) is headquartered in Junction City and is the 255^th largest bank in the state of Kansas. It is also the 6,841^st largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 11 employees at 1 location. Millennium Bank (KS)'s savings rates are 25% higher than the national average, and it boasts a 5-star health rating.

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Data for Q1 2012

Institution Statistics Millennium Bank FDIC Certificate # 58466 BankRate Report View Year Established 2007 Employees 11 Primary Regulator FDIC Assets and Liabilities Assets $34.24 million Loans $27.69 million Deposits $28.76 million Equity Capital $4.60 million Loan Loss Allowance $328,000 Historic Data - March 2011 Assets $30.54 million Equity Capital $4.12 million Loan Loss Allowance $291,000 Profit Margin - Quarterly Net Interest Margin 4.83% Return on Assets 1.52% Return on Equity 11.1% Interest Income $441,000

Institution Health Overall Score: 5 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 Millennium Bank (KS) had $0 in non-current loans and owned real-estate with $4.93 million in equity and loan loss allowances on hand to cover it. This gives Millennium Bank (KS) a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Millennium Bank (KS) has increased its total deposits by $3.93 million, resulting in 15.81% 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 Millennium Bank (KS) has shown is excellent. 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. Millennium Bank (KS) has $34.24 million in assets with $4.93 million in equity, resulting in a capitalization level of 14.40%, which is excellent.

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