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SAFE & SOUND® STAR RATINGS

1ST MANATEE BANK

12215 US HIGHWAY 301 NORTH
PARRISH, Florida 34219

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 3655081




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$107,839$102,788$94,588
Loans Receivable, Net83,52576,00771,167
Mortgage-Backed Securities12,49911,8375,464
Investments1,8011,0638,560
Deposits93,95891,17481,051
Borrowings1,95702,625
Equity11,42311,00010,244
Net Interest Income3,1774,0433,946
Fee Income136256150
Overhead3,4104,2143,752
Net Operating Income6002,1261,342
Net Income3811,387855
Ratio Analysis Profitability%%%
Return on Assets *0.921.390.93
Operating Return on Assets *1.412.131.45
Return on Equity *8.6613.108.81
Net Interest Margin *4.454.344.66
Fee Income / Assets *0.240.260.16
Overhead / Assets *4.664.224.06
Efficiency Ratio89.0666.5772.95
Asset Quality%%%
Nonperforming Assets / Assets0.520.761.15
Nonperforming Assets / Equity & Loss Reserves4.526.439.62
Loss Reserves / Nonperforming Loansn/an/a727.33
1-4 Fam Mtg + MBS / Assets29.0531.7925.24
Commercial Real Estate Loans / Assets24.2326.6629.62
Construction Loans / Assets4.603.646.36
Commercial & Industrial Loans / Assets31.0424.3320.69
Consumer Loans / Assets0.330.380.37
Capitalization%%%
Equity / Assets10.5910.7010.83
Tangible Capital / Tangible Assets10.2610.3810.61
Risk-based Capital Ratio14.7615.8216.17
Liquidity%%%
Loans / Deposits88.9083.3687.81
Non-Interest Bearing Deposits / Deposits7.866.495.16
Purchased Liabilities6.484.457.91

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