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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 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves623,570598,5844.17618,7233.13
Loans Held for Sale, before Reserves1,6021,21931.42662567.98
Loan Loss Reserve13,07915,001(12.81)13,191(3.40)
Net Loans Receivable612,093584,8024.67606,1943.89
Intangible Assets000.0000.00
Total Assets1,292,1041,209,8316.801,307,053(4.57)
Deposits1,121,2801,049,7896.811,135,312(4.94)
Debt, Senior and Subordinated15,00015,0000.0015,0000.00
Common Equity138,864128,7947.82140,208(3.83)
Total Shareholders' Equity138,864128,7947.82140,208(3.83)
Shares Outstanding (actual)22,741,89822,690,1420.2322,730,6470.20
Income Statement ($000)
 2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Net Interest Income9,0818,5526.199,342(11.18)
Provision for Loan Losses0100NM(800)NM
Noninterest Income3,8043,7072.623,65216.65
Noninterest Expense9,75110,133(3.77)10,082(13.13)
Net Income Before Taxes3,1562,24540.583,948(80.24)
Provision for Taxes87155856.091,171(102.48)
Net Income2,2851,68735.452,777(70.87)
Per Share Items ($)
 2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Book Value per Share6.115.687.576.17(4.03)
Tangible Book Value6.115.687.576.17(4.03)
Diluted EPS Before Extra0.100.0825.000.12(66.67)
Diluted EPS After Extra0.100.0825.000.12(66.67)
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
 2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
ROAA0.720.57150.89(17)
ROAE6.485.50988.28(180)
Net Interest Margin3.123.15(3)3.27(15)
Loans / Deposits55.6157.02(141)54.50111
Efficiency Ratio73.1875.85(267)73.66(48)
Balance Sheet Ratios (%)
 2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.7510.651010.732
Equity/ Assets10.7510.651010.732
Asset Quality Ratios (%)
 2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets2.954.96(201)3.06(11)
Loan Loss Reserves/ Gross Loans2.092.50(41)2.13(4)
Loan Loss Reserves/ NPAs34.2524.9892732.97128
Net Charge-offs/ Avg Loans0.070.84(77)(0.51)58
Regulatory Capital Ratios (%)
 2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Tier 1 Capital RatioNA14.51NA17.31NA
   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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