PackageTrendsPeer
Letter portraitLegal landscape

Millennium Bank

Edwards, CO · Cert 57175

FDIC

Q2 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2012, the quarter ended June 30, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Millennium Bank

Edwards, CO · Cert 57175

FDIC

Q2 2012

$251.0MAssets
$170.9MLoans
$225.9MDeposits
$17.8MEquity
Loan mix
83%RE $122.1M14%C&I $20.8M3%Consumer $4.1MQ2 2011Q2 2012
Deposit mix
87%Interest-bearing $196.4M13%Noninterest $29.5MQ2 2011Q2 2012

NIM

4.78%Q2 ’104.93%Q2 ’114.51%Q2 ’12+16%-2%

Non-interest income vs. expense

3.29%Q2 ’103.67%Q2 ’113.81%Q2 ’12+4%-1%

Executive Summary

  • Earnings: ROA of -0.45%, up 27 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.81%.
  • Funding: loans stand at 75.67% of deposits as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.45%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.75%-9 bps YoY

Efficiency Ratio (YTD, annualized)

92.32%+146 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-0.72%-0.58%-0.67%-0.51%-0.45%+27 bps
Return on Equity-10.15%-8.09%-9.23%-7.30%-6.45%+370 bps
Net Interest Margin3.84%3.92%3.96%3.75%3.75%-9 bps
Efficiency Ratio90.86%91.89%94.41%92.29%92.32%+146 bps
Non-Interest Burden3.47%3.59%3.73%3.42%3.44%-4 bps
Growth
Asset Growth (YoY)-12.13%-10.69%-6.05%-5.09%-2.97%+916 bps
Loan Growth (YoY)-8.38%-13.15%-10.04%-8.57%-7.05%+134 bps
Deposit Growth (YoY)-10.03%-8.62%-4.47%-3.44%-1.85%+818 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.65%2.73%2.86%2.11%1.81%-184 bps
Allowance / Loans2.74%3.09%2.77%2.61%2.61%-13 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.47%10.67%10.53%10.25%10.44%-3 bps
Equity / Assets7.23%7.54%7.13%6.91%7.10%-13 bps
Liquidity & Funding
Loans / Deposits79.90%76.49%75.13%73.60%75.67%-423 bps
Liquid Assets / Assets0.02%0.01%0.03%0.06%0.03%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a