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SAFE & SOUND® STAR RATINGS

1ST MANATEE BANK

12215 US HIGHWAY 301 NORTH
PARRISH, Florida 34219

STAR RATING: 2 starstar G
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 3655081




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$136,429$117,625$102,788
Loans Receivable, Net105,12691,35676,007
Mortgage-Backed Securities11,15812,37411,837
Investments3,1131,8241,063
Deposits123,890104,60191,174
Borrowings01,0500
Equity12,16111,67411,000
Net Interest Income3,5204,3274,043
Fee Income111156256
Overhead3,7474,4294,214
Net Operating Income8647592,126
Net Income5694841,387
Ratio Analysis Profitability%%%
Return on Assets *0.530.451.39
Operating Return on Assets *0.810.702.13
Return on Equity *5.674.2413.10
Net Interest Margin *3.964.354.34
Fee Income / Assets *0.100.140.26
Overhead / Assets *3.794.114.22
Efficiency Ratio83.2188.4666.57
Asset Quality%%%
Nonperforming Assets / Assets3.540.480.76
Nonperforming Assets / Equity & Loss Reserves36.484.436.43
Loss Reserves / Nonperforming Loans25.81n/an/a
1-4 Fam Mtg + MBS / Assets27.7426.6931.79
Commercial Real Estate Loans / Assets34.7820.2026.66
Construction Loans / Assets4.014.193.64
Commercial & Industrial Loans / Assets17.2436.6524.33
Consumer Loans / Assets0.330.370.38
Capitalization%%%
Equity / Assets8.919.9210.70
Tangible Capital / Tangible Assets8.689.6410.38
Risk-based Capital Ratio11.7513.4615.82
Liquidity%%%
Loans / Deposits84.8587.3483.36
Non-Interest Bearing Deposits / Deposits7.797.326.49
Purchased Liabilities8.477.124.45

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