Millennium Bank

Millennium Bank is headquartered in Edwards and is the 25^th largest bank in the state of Colorado. It is also the 2,520^th largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 54 employees at 8 locations. Millennium Bank's savings rates are 2X the national average, but it has a 2-star health rating.

Millennium Bank Routing Number: 102106857

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Data for Q1 2012

Institution Statistics Millennium Bank FDIC Certificate # 57175 BankRate Report View Year Established 2001 Employees 54 Primary Regulator FDIC Assets and Liabilities Assets $256.66 million Loans $164.27 million Deposits $229.16 million Equity Capital $17.73 million Loan Loss Allowance $4.40 million Unbacked Noncurrent Loans $8.09 million Real Estate Owned $6.06 million Historic Data - March 2011 Assets $270.43 million Equity Capital $19.09 million Loan Loss Allowance $5.80 million Unbacked Noncurrent Loans $12.97 million Real Estate Owned $5.71 million Profit Margin - Quarterly Net Interest Margin 4.05% Return on Assets -0.51% Return on Equity -7.3% Interest Income $2.86 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 Millennium Bank had $14.14 million in non-current loans and owned real-estate with $22.13 million in equity and loan loss allowances on hand to cover it. This gives Millennium Bank a Texas Ratio of 63.90% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Millennium Bank held steady from 75.06% as of March 31, 2011 to 63.90% as of March 31, 2012, resulting in a positive change of 14.87%.This indicates that the balance sheet and financial strength for Millennium Bank has held steady in recent periods. Deposit Growth In the past year, Millennium Bank has decreased its total deposits by -$8.18 million, resulting in -3.44% 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 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. Millennium Bank has $256.66 million in assets with $22.13 million in equity, resulting in a capitalization level of 8.62%, which is average.

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