email thisPDF viewPrint view
Financial HighlightsMBT FINANCIAL CORP. (NASDAQ - MBTF) 
Trend Analysis--Quarterly (click here for Annual Analysis)

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
2009 Q32008 Q3Y-Y
Ch (%)
2009 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves879,095980,771(10.37)909,531(13.39)
Loans Held for Sale, before Reserves41826756.55825(197.33)
Loan Loss Reserve18,57318,4080.9023,875(88.83)
Net Loans Receivable860,940962,630(10.56)886,481(11.52)
Intangible AssetsNA35NANANA
Total Assets1,442,5121,505,709(4.20)1,441,5820.26
Deposits1,047,6491,080,194(3.01)1,039,4793.14
Debt, Senior and Subordinated273,500291,500(6.17)278,500(7.18)
Common Equity109,597120,413(8.98)110,010(1.50)
Total Shareholders' Equity109,597120,413(8.98)110,010(1.50)
Shares Outstanding (actual)16,198,78516,139,5380.3716,178,1210.51
Income Statement ($000)
2009 Q32008 Q3Y-Y
Ch (%)
2009 Q2Q-Q
Ch (%)
Net Interest Income10,51611,086(5.14)10,18513.00
Provision for Loan Losses6,8004,10065.858,000(60.00)
Noninterest Income3,7463,942(4.97)3,58018.55
Noninterest Expense11,39011,3650.2213,926(72.84)
Net Income Before Taxes(4,115)(114)3,509.65(8,774)(212.40)
Provision for Taxes(1,790)(438)308.68(3,401)(189.47)
Net Income(2,325)324NM(5,373)(226.91)
Per Share Items ($)
2009 Q32008 Q3Y-Y
Ch (%)
2009 Q2Q-Q
Ch (%)
Book Value per Share6.777.46(9.31)6.80(2.01)
Tangible Book ValueNA7.46NANANA
Diluted EPS Before Extra(0.14)0.02NM(0.33)(230.30)
Diluted EPS After Extra(0.14)0.02NM(0.33)(230.30)
Dividends Declared0.00000.0900NM0.0100NM
Performance Ratios (%)
2009 Q32008 Q3Y-Y
Ch (bp)
2009 Q2Q-Q
Ch (bp)
ROAA(0.65)0.09(73)(1.48)83
ROAE(8.26)1.05(931)(18.26)1,000
Net Interest Margin3.243.2403.1410
Loans / Deposits83.9190.80(688)87.50(359)
Efficiency Ratio61.9056.6652470.22(832)
Balance Sheet Ratios (%)
2009 Q32008 Q3Y-Y
Ch (bp)
2009 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA7.99NANANA
Equity/ Assets7.608.00(40)7.63(3)
Asset Quality Ratios (%)
2009 Q32008 Q3Y-Y
Ch (bp)
2009 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets6.753.962796.1758
Loan Loss Reserves/ Gross Loans2.111.88242.62(51)
Loan Loss Reserves/ NPAs19.1230.95(1,183)26.92(780)
Net Charge-offs/ Avg Loans5.381.543842.56282
Regulatory Capital Ratios (%)
2009 Q32008 Q3Y-Y
Ch (bp)
2009 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio9.9111.69(178)10.66(75)
   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.



Copyright 2009, © SNL Financial LC  Terms of Use