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Millennium Bank

Junction City, KS · Cert 58466

FDIC · 1 branch

Q3 2018

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: Q3 2018, the quarter ended September 30, 2018, 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

Junction City, KS · Cert 58466

FDIC · 1 branch

Q3 2018

$32.7MAssets
$29.2MLoans
$25.0MDeposits
$4.9MEquity
Loan mix
88%RE $21.4M10%C&I $2.4M2%Consumer $0.5MQ3 2017Q3 2018
Deposit mix
85%Interest-bearing $21.3M15%Noninterest $3.8MQ3 2017Q3 2018

NIM

4.29%Q3 ’164.25%Q3 ’174.59%Q3 ’18-4%+4%

Non-interest income vs. expense

3.26%Q3 ’163.11%Q3 ’173.14%Q3 ’18-1%-3%

Executive Summary

  • Earnings: ROA of 0.80%, up 14 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.09% of loans (-92 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 14.54%, up 99 bps from a year ago.
  • Funding: loans stand at 116.68% of deposits as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

0.80%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+15 bps YoY

Efficiency Ratio (YTD, annualized)

77.93%-441 bps YoY

Tier 1 Leverage Ratio

14.54%+99 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets0.66%0.77%0.94%0.81%0.80%+14 bps
Return on Equity4.75%5.54%6.75%5.76%5.61%+86 bps
Net Interest Margin3.63%3.66%3.76%3.78%3.78%+15 bps
Efficiency Ratio82.34%79.85%74.86%77.56%77.93%-441 bps
Non-Interest Burden2.97%2.89%2.75%2.88%2.89%-8 bps
Growth
Asset Growth (YoY)-2.42%0.29%2.92%-0.12%-7.28%-486 bps
Loan Growth (YoY)3.11%5.71%10.78%0.72%-1.50%-461 bps
Deposit Growth (YoY)-2.59%0.67%0.45%-3.32%-12.02%-943 bps
Asset Quality
Nonperforming Loans / Loans1.01%0.13%0.46%0.09%0.09%-92 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.26%0.17%+16 bps
Allowance / Loans1.34%1.27%1.27%1.23%1.27%-7 bps
Allowance Coverage of NPLs1.3x9.5x2.7x13.7x14.3x+12.9x
Capital
Tier 1 Leverage Ratio13.54%13.78%13.77%13.86%14.54%+99 bps
Total Risk-Based Capital19.05%18.95%18.12%19.35%20.21%+117 bps
Equity / Assets13.69%14.29%13.51%14.30%15.07%+138 bps
Liquidity & Funding
Loans / Deposits104.22%113.06%112.58%114.31%116.68%+1,246 bps
Liquid Assets / Assets0.49%0.50%0.49%0.50%0.52%+3 bps
CRE / Total Capitaln/an/an/an/an/an/an/a