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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 December 31, 2015
Federal Reserve System Identifier 3655081




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$140,068$117,625$102,788
Loans Receivable, Net111,40191,35676,007
Mortgage-Backed Securities10,64012,37411,837
Investments3,1801,8241,063
Deposits127,541104,60191,174
Borrowings01,0500
Equity12,39511,67411,000
Net Interest Income4,8354,3274,043
Fee Income139156256
Overhead4,9774,4294,214
Net Operating Income1,1957592,126
Net Income7914841,387
Ratio Analysis Profitability%%%
Return on Assets *0.600.451.39
Operating Return on Assets *0.900.702.13
Return on Equity *6.574.2413.10
Net Interest Margin *3.934.354.34
Fee Income / Assets *0.100.140.26
Overhead / Assets *3.754.114.22
Efficiency Ratio81.5888.4666.57
Asset Quality%%%
Nonperforming Assets / Assets1.820.480.76
Nonperforming Assets / Equity & Loss Reserves18.884.436.43
Loss Reserves / Nonperforming Loans59.17n/an/a
1-4 Fam Mtg + MBS / Assets29.5826.6931.79
Commercial Real Estate Loans / Assets34.2620.2026.66
Construction Loans / Assets5.034.193.64
Commercial & Industrial Loans / Assets16.4436.6524.33
Consumer Loans / Assets0.310.370.38
Capitalization%%%
Equity / Assets8.859.9210.70
Tangible Capital / Tangible Assets8.629.6410.38
Risk-based Capital Ratio11.8513.4615.82
Liquidity%%%
Loans / Deposits87.3587.3483.36
Non-Interest Bearing Deposits / Deposits7.407.326.49
Purchased Liabilities8.617.124.45

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