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SAFE & SOUND® STAR RATINGS

1ST MANATEE BANK

12215 US HIGHWAY 301 NORTH
PARRISH, Florida 34219

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 3655081




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$128,442$117,625$102,788
Loans Receivable, Net98,49991,35676,007
Mortgage-Backed Securities12,00012,37411,837
Investments1,8331,8241,063
Deposits116,328104,60191,174
Borrowings01,0500
Equity11,80211,67411,000
Net Interest Income1,1754,3274,043
Fee Income39156256
Overhead1,1664,4294,214
Net Operating Income1987592,126
Net Income1324841,387
Ratio Analysis Profitability%%%
Return on Assets *0.420.451.39
Operating Return on Assets *0.640.702.13
Return on Equity *4.034.2413.10
Net Interest Margin *4.274.354.34
Fee Income / Assets *0.120.140.26
Overhead / Assets *4.044.114.22
Efficiency Ratio87.0888.4666.57
Asset Quality%%%
Nonperforming Assets / Assets1.140.480.76
Nonperforming Assets / Equity & Loss Reserves11.334.436.43
Loss Reserves / Nonperforming Loans119.91n/an/a
1-4 Fam Mtg + MBS / Assets27.6526.6931.79
Commercial Real Estate Loans / Assets29.5620.2026.66
Construction Loans / Assets3.624.193.64
Commercial & Industrial Loans / Assets24.0636.6524.33
Consumer Loans / Assets0.420.370.38
Capitalization%%%
Equity / Assets9.199.9210.70
Tangible Capital / Tangible Assets8.949.6410.38
Risk-based Capital Ratio12.8713.4615.82
Liquidity%%%
Loans / Deposits84.6787.3483.36
Non-Interest Bearing Deposits / Deposits7.667.326.49
Purchased Liabilities8.187.124.45

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