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MBT FINANCIAL CORP. (NASDAQ - MBTF)
Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves752,712693,8668.48740,7866.44
Loans Held for Sale, before Reserves1830NM334(180.84)
Loan Loss Reserve7,9868,010(0.30)7,9581.41
Net Loans Receivable744,909685,8568.61733,1626.41
Intangible Assets000.0000.00
Total Assets1,339,1221,347,352(0.61)1,321,8855.22
Deposits1,166,2761,195,335(2.43)1,147,4946.55
Debt, Senior and Subordinated35,0000NM37,800(29.63)
Common Equity121,351135,969(10.75)120,3543.31
Total Shareholders' Equity121,351135,969(10.75)120,3543.31
Shares Outstanding (actual)22,990,20822,875,5050.5022,983,2550.12
Income Statement ($000)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Net Interest Income11,21710,2319.6410,83314.18
Provision for Loan Losses000.0000.00
Noninterest Income4,1313,8786.523,88725.11
Noninterest Expense9,1568,9432.388,66922.47
Net Income Before Taxes6,1015,31614.776,0503.37
Provision for Taxes1,1271,383(18.51)1,1057.96
Net Income4,9743,93326.474,9452.35
Per Share Items ($)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Book Value per Share5.285.94(11.20)5.243.19
Tangible Book Value5.285.94(11.20)5.243.19
Diluted EPS Before Extra0.210.1723.530.210.00
Diluted EPS After Extra0.210.1723.530.210.00
Dividends Declared0.10000.060066.670.0700171.43
Performance Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
ROAA1.471.18291.52(5)
ROAE16.2211.5446816.63(41)
Net Interest Margin3.623.38243.64(2)
Loans / Deposits64.5458.0564964.56(2)
Efficiency Ratio59.0962.52(343)61.79(270)
Balance Sheet Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.0610.09(103)9.10(4)
Equity/ Assets9.0610.09(103)9.10(4)
Asset Quality Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.961.08(12)0.915
Loan Loss Reserves/ Gross Loans1.061.15(9)1.07(1)
Loan Loss Reserves/ NPAs62.4254.8875466.51(409)
Net Charge-offs/ Avg Loans(0.01)0.07(9)(0.04)3
Regulatory Capital Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tier 1 Capital RatioNA16.00NA14.81NA
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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