Financial Highlights

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

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Balance Sheet ($000)
 2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves655,809623,8095.13638,28010.99
Loans Held for Sale, before Reserves6361,597(60.18)919(123.18)
Loan Loss Reserve9,40512,996(27.63)9,903(20.12)
Net Loans Receivable647,040612,4105.65629,29611.28
Intangible Assets000.0000.00
Total Assets1,343,0261,316,7192.001,323,4155.93
Deposits1,180,4611,136,8093.841,163,4185.86
Debt, Senior and Subordinated015,000NM00.00
Common Equity147,662146,1541.03145,6235.60
Total Shareholders' Equity147,662146,1541.03145,6235.60
Shares Outstanding (actual)22,736,11622,761,327(0.11)22,728,5580.13
Income Statement ($000)
 2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Net Interest Income9,5159,2243.159,24411.73
Provision for Loan Losses(700)(200)250.00(200)1,000.00
Noninterest Income3,9563,9260.763,80415.98
Noninterest Expense8,9789,130(1.66)8,8734.73
Net Income Before Taxes5,2804,23624.656,127(55.30)
Provision for Taxes1,5931,23029.511,888(62.50)
Net Income3,6873,00622.654,239(52.09)
Per Share Items ($)
 2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Book Value per Share6.496.421.146.415.47
Tangible Book Value6.496.421.146.415.47
Diluted EPS Before Extra0.160.1323.080.18(44.44)
Diluted EPS After Extra0.160.1323.080.18(44.44)
Dividends Declared0.04000.0000NM0.0300133.33
Performance Ratios (%)
 2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
ROAA1.100.93171.28(18)
ROAE9.988.4815011.87(189)
Net Interest Margin3.113.1103.101
Loans / Deposits55.5654.876854.8669
Efficiency Ratio65.5967.83(224)67.83(224)
Balance Sheet Ratios (%)
 2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.9911.10(11)11.00(1)
Equity/ Assets10.9911.10(11)11.00(1)
Asset Quality Ratios (%)
 2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.802.56(76)1.97(17)
Loan Loss Reserves/ Gross Loans1.432.08(65)1.55(12)
Loan Loss Reserves/ NPAs38.9238.514138.0389
Net Charge-offs/ Avg Loans(0.12)(0.07)(5)0.28(40)
Regulatory Capital Ratios (%)
 2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio17.1517.91(76)16.8530
   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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