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SAFE & SOUND® STAR RATINGS

Financial statement

1ST MANATEE BANK
12215 US HIGHWAY 301 NORTH
PARRISH, Florida 34219

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 3655081




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$94,588$91,132$83,107
Loans Receivable, Net71,16768,27861,799
Mortgage-Backed Securities5,4645,6476,138
Investments8,5605,3944,007
Deposits81,05181,98975,144
Borrowings2,62500
Equity10,2448,8957,909
Net Interest Income3,9463,5552,624
Fee Income150916
Overhead3,7523,2242,787
Net Operating Income1,342804-162
Net Income855511-102
Ratio Analysis Profitability%%%
Return on Assets *0.930.59-0.13
Operating Return on Assets *1.450.93-0.21
Return on Equity *8.816.01-1.34
Net Interest Margin *4.664.493.79
Fee Income / Assets *0.160.110.01
Overhead / Assets *4.063.753.69
Efficiency Ratio72.9572.08105.05
Asset Quality%%%
Nonperforming Assets / Assets1.153.622.99
Nonperforming Assets / Equity & Loss Reserves9.6233.2028.36
Loss Reserves / Nonperforming Loans727.331.531.41
1-4 Fam Mtg + MBS / Assets25.2431.0231.66
Commercial Real Estate Loans / Assets29.6225.4127.66
Construction Loans / Assets6.367.146.61
Commercial & Industrial Loans / Assets20.6918.2015.23
Consumer Loans / Assets0.370.280.42
Capitalization%%%
Equity / Assets10.839.769.52
Tangible Capital / Tangible Assets10.619.689.51
Risk-based Capital Ratio16.1715.1214.02
Liquidity%%%
Loans / Deposits87.8183.2882.24
Non-Interest Bearing Deposits / Deposits5.164.293.52
Purchased Liabilities7.9130.4132.34

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.41%
1 yr CD
0.65% 0.65%
5 yr CD
1.24% 1.22%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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