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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, 2016
Federal Reserve System Identifier 3655081




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$147,011$140,068$117,625
Loans Receivable, Net115,520111,40191,356
Mortgage-Backed Securities13,50510,64012,374
Investments3,1863,1801,824
Deposits133,194127,541104,601
Borrowings1,00001,050
Equity12,61212,39511,674
Net Interest Income1,3324,8354,327
Fee Income32139156
Overhead1,2334,9774,429
Net Operating Income2851,195759
Net Income190791484
Ratio Analysis Profitability%%%
Return on Assets *0.610.600.45
Operating Return on Assets *0.930.900.70
Return on Equity *6.946.574.24
Net Interest Margin *3.933.934.35
Fee Income / Assets *0.100.100.14
Overhead / Assets *3.653.754.11
Efficiency Ratio80.4881.5888.46
Asset Quality%%%
Nonperforming Assets / Assets1.731.820.48
Nonperforming Assets / Equity & Loss Reserves18.4918.884.43
Loss Reserves / Nonperforming Loans60.2459.17n/a
1-4 Fam Mtg + MBS / Assets31.6829.5826.69
Commercial Real Estate Loans / Assets33.0734.2620.20
Construction Loans / Assets5.935.034.19
Commercial & Industrial Loans / Assets15.3516.4436.65
Consumer Loans / Assets0.330.310.37
Capitalization%%%
Equity / Assets8.588.859.92
Tangible Capital / Tangible Assets8.378.629.64
Risk-based Capital Ratio11.7811.8513.46
Liquidity%%%
Loans / Deposits86.7387.3587.34
Non-Interest Bearing Deposits / Deposits9.297.407.32
Purchased Liabilities8.468.617.12

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