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 June 30, 2014
Federal Reserve System Identifier 3655081




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$105,684$102,788$94,588
Loans Receivable, Net80,67376,00771,167
Mortgage-Backed Securities12,84211,8375,464
Investments1,8561,0638,560
Deposits90,56691,17481,051
Borrowings3,18002,625
Equity11,41811,00010,244
Net Interest Income2,0924,0433,946
Fee Income117256150
Overhead2,3054,2143,752
Net Operating Income4822,1261,342
Net Income3061,387855
Ratio Analysis Profitability%%%
Return on Assets *1.231.390.93
Operating Return on Assets *1.902.131.45
Return on Equity *11.6113.108.81
Net Interest Margin *4.394.344.66
Fee Income / Assets *0.230.260.16
Overhead / Assets *4.104.224.06
Efficiency Ratio84.8766.5772.95
Asset Quality%%%
Nonperforming Assets / Assets0.700.761.15
Nonperforming Assets / Equity & Loss Reserves5.966.439.62
Loss Reserves / Nonperforming Loansn/an/a727.33
1-4 Fam Mtg + MBS / Assets31.0931.7925.24
Commercial Real Estate Loans / Assets24.7626.6629.62
Construction Loans / Assets3.613.646.36
Commercial & Industrial Loans / Assets28.8824.3320.69
Consumer Loans / Assets0.350.380.37
Capitalization%%%
Equity / Assets10.8010.7010.83
Tangible Capital / Tangible Assets10.4410.3810.61
Risk-based Capital Ratio14.9715.8216.17
Liquidity%%%
Loans / Deposits89.0883.3687.81
Non-Interest Bearing Deposits / Deposits8.406.495.16
Purchased Liabilities7.794.457.91

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