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

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Balance Sheet ($000)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves618,723591,8064.55610,3325.50
Loans Held for Sale, before Reserves662218203.6754883.21
Loan Loss Reserve13,19116,158(18.36)13,208(0.51)
Net Loans Receivable606,194575,8665.27597,6725.70
Intangible Assets000.0000.00
Total Assets1,307,0531,217,8127.331,278,6578.88
Deposits1,135,3121,056,6117.451,111,8118.46
Debt, Senior and Subordinated15,00027,000(44.44)15,0000.00
Common Equity140,208118,10718.71134,53616.86
Total Shareholders' Equity140,208118,10718.71134,53616.86
Shares Outstanding (actual)22,730,64721,266,3806.8922,718,0770.22
Income Statement ($000)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Net Interest Income9,3428,4959.978,80224.54
Provision for Loan Losses(800)100NM0NM
Noninterest Income3,6523,5951.593,872(22.73)
Noninterest Expense10,0829,6874.089,79711.64
Net Income Before Taxes3,9482,36067.292,967132.25
Provision for Taxes1,17159397.47818172.62
Net Income2,7771,76757.162,149116.89
Per Share Items ($)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Book Value per Share6.175.5511.075.9216.63
Tangible Book Value6.175.5511.075.9216.63
Diluted EPS Before Extra0.120.0850.000.09133.33
Diluted EPS After Extra0.120.0850.000.09133.33
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
ROAA0.890.60290.7019
ROAE8.286.341946.45183
Net Interest Margin3.273.1893.1413
Loans / Deposits54.5056.01(151)54.90(40)
Efficiency Ratio73.6676.14(248)75.19(153)
Balance Sheet Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.739.7010310.5221
Equity/ Assets10.739.7010310.5221
Asset Quality Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets3.065.62(256)3.25(19)
Loan Loss Reserves/ Gross Loans2.132.73(60)2.16(3)
Loan Loss Reserves/ NPAs32.9723.6293531.77120
Net Charge-offs/ Avg Loans(0.51)0.10(61)(0.05)(46)
Regulatory Capital Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio17.3113.6336815.96135
   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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