SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 3655081




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$102,788$94,588$91,132
Loans Receivable, Net76,00771,16768,278
Mortgage-Backed Securities11,8375,4645,647
Investments1,0638,5605,394
Deposits91,17481,05181,989
Borrowings02,6250
Equity11,00010,2448,895
Net Interest Income4,0433,9463,555
Fee Income25615091
Overhead4,2143,7523,224
Net Operating Income2,1261,342804
Net Income1,387855511
Ratio Analysis Profitability%%%
Return on Assets *1.390.930.59
Operating Return on Assets *2.131.450.93
Return on Equity *13.108.816.01
Net Interest Margin *4.344.664.49
Fee Income / Assets *0.260.160.11
Overhead / Assets *4.224.063.75
Efficiency Ratio66.5772.9572.08
Asset Quality%%%
Nonperforming Assets / Assets0.761.153.62
Nonperforming Assets / Equity & Loss Reserves6.439.6233.20
Loss Reserves / Nonperforming Loansn/a727.331.53
1-4 Fam Mtg + MBS / Assets31.7925.2431.02
Commercial Real Estate Loans / Assets26.6629.6225.41
Construction Loans / Assets3.646.367.14
Commercial & Industrial Loans / Assets24.3320.6918.20
Consumer Loans / Assets0.380.370.28
Capitalization%%%
Equity / Assets10.7010.839.76
Tangible Capital / Tangible Assets10.3810.619.68
Risk-based Capital Ratio15.8216.1715.12
Liquidity%%%
Loans / Deposits83.3687.8183.28
Non-Interest Bearing Deposits / Deposits6.495.164.29
Purchased Liabilities4.457.9130.41

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