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

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Balance Sheet ($000)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves693,866655,8095.80682,7496.51
Loans Held for Sale, before Reserves0636NM899NM
Loan Loss Reserve8,0109,405(14.83)8,137(6.24)
Net Loans Receivable685,856647,0406.00675,5116.13
Intangible Assets000.0000.00
Total Assets1,347,3521,343,0260.321,326,3926.32
Deposits1,195,3351,180,4611.261,177,0696.21
Debt, Senior and Subordinated000.0000.00
Common Equity135,969147,662(7.92)134,2225.21
Total Shareholders' Equity135,969147,662(7.92)134,2225.21
Shares Outstanding (actual)22,875,50522,736,1160.6122,870,0820.09
Income Statement ($000)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Net Interest Income10,2319,5157.529,86414.88
Provision for Loan Losses0(700)NM00.00
Noninterest Income3,8783,956(1.97)4,365(44.63)
Noninterest Expense8,9438,978(0.39)9,070(5.60)
Net Income Before Taxes5,3165,2800.685,2266.89
Provision for Taxes1,3831,593(13.18)1,586(51.20)
Net Income3,9333,6876.673,64032.20
Per Share Items ($)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Book Value per Share5.946.49(8.48)5.875.11
Tangible Book Value5.946.49(8.48)5.875.11
Diluted EPS Before Extra0.170.166.250.1625.00
Diluted EPS After Extra0.170.166.250.1625.00
Dividends Declared0.06000.040050.000.050080.00
Performance Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
ROAA1.181.1081.117
ROAE11.549.9815611.1440
Net Interest Margin3.383.11273.317
Loans / Deposits58.0555.5624958.004
Efficiency Ratio62.5265.59(307)64.14(162)
Balance Sheet Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.0910.99(90)10.12(3)
Equity/ Assets10.0910.99(90)10.12(3)
Asset Quality Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.081.80(72)1.19(11)
Loan Loss Reserves/ Gross Loans1.151.43(28)1.19(4)
Loan Loss Reserves/ NPAs54.8838.921,59651.54334
Net Charge-offs/ Avg Loans0.07(0.12)200.12(4)
Regulatory Capital Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio16.0017.15(115)15.8515
   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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