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)
 2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves694,979652,3376.54693,8660.64
Loans Held for Sale, before Reserves346611(43.37)0NM
Loan Loss Reserve7,6668,458(9.36)8,010(17.18)
Net Loans Receivable687,659644,4906.70685,8561.05
Intangible Assets000.0000.00
Total Assets1,347,4201,357,283(0.73)1,347,3520.02
Deposits1,198,1641,199,717(0.13)1,195,3350.95
Debt, Senior and Subordinated000.0000.00
Common Equity132,658141,114(5.99)135,969(9.74)
Total Shareholders' Equity132,658141,114(5.99)135,969(9.74)
Shares Outstanding (actual)22,907,84422,777,8820.5722,875,5050.57
Income Statement ($000)
 2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Net Interest Income10,3739,5748.3510,2315.55
Provision for Loan Losses(500)(1,000)(50.00)0NM
Noninterest Income3,8823,8371.173,8780.41
Noninterest Expense9,0489,293(2.64)8,9434.70
Net Income Before Taxes5,4155,1105.975,3167.45
Provision for Taxes5,5591,532262.861,3831,207.81
Net Income(144)3,578NM3,933NM
Per Share Items ($)
 2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Book Value per Share5.796.20(6.53)5.94(10.29)
Tangible Book Value5.796.20(6.53)5.94(10.29)
Diluted EPS Before Extra(0.01)0.16NM0.17NM
Diluted EPS After Extra(0.01)0.16NM0.17NM
Dividends Declared0.06000.040050.000.06000.00
Performance Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
ROAA(0.04)1.07(111)1.18(122)
ROAE(0.42)9.57(999)11.54(1,196)
Net Interest Margin3.433.14293.385
Loans / Deposits58.0054.3736358.05(4)
Efficiency Ratio62.8068.18(538)62.5228
Balance Sheet Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.8510.40(55)10.09(25)
Equity/ Assets9.8510.40(55)10.09(25)
Asset Quality Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.091.51(42)1.081
Loan Loss Reserves/ Gross Loans1.101.30(19)1.15(5)
Loan Loss Reserves/ NPAs52.0341.361,06754.88(286)
Net Charge-offs/ Avg Loans(0.09)(0.03)(6)0.07(16)
Regulatory Capital Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNA17.30NA16.00NA
   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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