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SAFE & SOUND® STAR RATINGS

1ST MANATEE BANK

12215 US HIGHWAY 301 NORTH
PARRISH, Florida 34219

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 3655081




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$117,625$102,788$94,588
Loans Receivable, Net91,35676,00771,167
Mortgage-Backed Securities12,37411,8375,464
Investments1,8241,0638,560
Deposits104,60191,17481,051
Borrowings1,05002,625
Equity11,67411,00010,244
Net Interest Income4,3274,0433,946
Fee Income156256150
Overhead4,4294,2143,752
Net Operating Income7592,1261,342
Net Income4841,387855
Ratio Analysis Profitability%%%
Return on Assets *0.451.390.93
Operating Return on Assets *0.702.131.45
Return on Equity *4.2413.108.81
Net Interest Margin *4.354.344.66
Fee Income / Assets *0.140.260.16
Overhead / Assets *4.114.224.06
Efficiency Ratio88.4666.5772.95
Asset Quality%%%
Nonperforming Assets / Assets0.480.761.15
Nonperforming Assets / Equity & Loss Reserves4.436.439.62
Loss Reserves / Nonperforming Loansn/an/a727.33
1-4 Fam Mtg + MBS / Assets26.6931.7925.24
Commercial Real Estate Loans / Assets20.2026.6629.62
Construction Loans / Assets4.193.646.36
Commercial & Industrial Loans / Assets36.6524.3320.69
Consumer Loans / Assets0.370.380.37
Capitalization%%%
Equity / Assets9.9210.7010.83
Tangible Capital / Tangible Assets9.6410.3810.61
Risk-based Capital Ratio13.4615.8216.17
Liquidity%%%
Loans / Deposits87.3483.3687.81
Non-Interest Bearing Deposits / Deposits7.326.495.16
Purchased Liabilities7.124.457.91

* Calculations are based on the latest four quarters of income and expense.
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