FDIC Certificate #: 58466 Status: Active Federal Reserve ID: 3462654 Date Established: January 16, 2007 WWW:http://www.millenniumbankjc.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 452416 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: January 16, 2007 Last Structure Change Effective Date: Febuary 22, 2007 Last Structure Change Process Date: Febuary 22, 2007 Last Data Update: Febuary 22, 2007 Data Source Date: April 05, 2012
Location
Address: 121 N. Washington St., Junction City, KS 66441 County: Geary Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Hays Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Core Based Statistical Area (CBSA): Manhattan, KS (#31740) CBSA Metro Statistical Area: Manhattan, KS (#31740)
History of Changes
Corrections
Change in Location
Financial Summary
Total assets: $32.2 mil Equity capital: $4.5 mil Deposits held in domestic offices: $26.9 mil Return on assets (ROA): 1.41% ($0.5 mil) Quarterly return on assets: 1.70% ($0.5 mil) Return on Equity (ROE): 10.30% ($0.4 mil) Quarterly return on equity: 12.43% ($0.5 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.41% ($454.6 mil) Quarterly Pretax return on assets: 1.70% ($548.1 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
10Total employees (full-time equivalent)
$32,244Total assets
$2,044Cash and due from depository institutions
$1,459Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$27,959Net loans & leases
$324Loan loss allowance
$0Trading account assets
$1,898Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$32,244Life insurance assets
$343All other assets
$27,768Total liabilities and capital
$26,934Total liabilities
$24,213Total deposits
$26,934Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$800Trading liabilities
$0Other borrowed funds
$34Subordinated debt
$4,476All other liabilities
$4,476Total equity capital
$4,476Total bank equity capital
$0Perpetual preferred stock
$2,880Common stock
$1,440Surplus
$156Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$148Long-term assets (5+ years)
$29,418Average Assets, year-to-date
$1,795Average Assets, quarterly
$30,886Volatile liabilities
$32,287Insider loans
$26,307FHLB advances
$32,650Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,476Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,820Restructured Loans and leases
$764Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,689Total interest income
$315Total interest expense
$1,374Net interest income
$54Provision for loan and lease losses
$223Total noninterest income
$0Fiduciary activities
$51Service charges on deposit accounts
$0Trading account gains & fees
$172Additional noninterest income
$1,106Total noninterest expense
$542Salaries and employee benefits
$222Premises and equipment expense
$342Additional noninterest expense
$437Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$437Income before extraordinary items
$0Extraordinary gains - net
$437Net income attributable to bank
$0Net charge-offs
$437Cash dividends
$1Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.03%Yield on earning assets
1.12%Cost of funding earning assets
4.90%Net interest margin
0.80%Noninterest income to earning assets
3.95%Noninterest expense to earning assets
1.41%Net operating income to assets
1.41%Return on assets (ROA)
1.41%Pretax return on assets
10.30%Return on equity (ROE)
10.30%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
5400.00%Credit loss provision to net charge-offs
491.00%Efficiency ratio
69,255Assets per employee
3.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.15%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
103.81%Net loans and leases to core deposits
105.81%Equity capital to assets
13.88%Core capital (leverage) ratio
13.71%Tier 1 risk-based capital ratio
17.01%Total risk-based capital ratio
Memoranda
$18Average assets
$30,886Average earning assets
$4,242Average equity
$28,022Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
452416
Millennium Bank
121 N. Washington St., Junction City, KS 66441
January 16, 2007
Full Service Brick and Mortar
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