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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 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves617,967618,723(0.12)617,3080.43
Loans Held for Sale, before Reserves646662(2.42)1,477(225.05)
Loan Loss Reserve10,53713,191(20.12)10,896(13.18)
Net Loans Receivable608,076606,1940.31607,8890.12
Intangible Assets000.0000.00
Total Assets1,334,1311,307,0532.071,342,313(2.44)
Deposits1,162,7331,135,3122.421,165,393(0.91)
Debt, Senior and Subordinated15,00015,0000.0015,0000.00
Common Equity142,424140,2081.58147,341(13.35)
Total Shareholders' Equity142,424140,2081.58147,341(13.35)
Shares Outstanding (actual)22,902,19822,730,6470.7522,790,7071.96
Income Statement ($000)
 2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Net Interest Income9,2909,342(0.56)9,328(1.63)
Provision for Loan Losses(300)(800)(62.50)(2,000)(340.00)
Noninterest Income3,8503,6525.423,8311.98
Noninterest Expense9,53910,082(5.39)9,5210.76
Net Income Before Taxes4,2213,9486.915,762(106.98)
Provision for Taxes1,2241,1714.531,748(119.91)
Net Income2,9972,7777.924,014(101.35)
Per Share Items ($)
 2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Book Value per Share6.226.170.826.46(15.23)
Tangible Book Value6.226.170.826.46(15.23)
Diluted EPS Before Extra0.130.128.330.18(111.11)
Diluted EPS After Extra0.130.128.330.18(111.11)
Dividends Declared0.53000.0000NM0.0000NM
Performance Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
ROAA0.910.8921.22(31)
ROAE8.578.282910.79(222)
Net Interest Margin3.093.27(18)3.11(2)
Loans / Deposits53.1554.50(135)52.9718
Efficiency Ratio69.7573.66(391)72.10(235)
Balance Sheet Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.6810.73(5)10.98(30)
Equity/ Assets10.6810.73(5)10.98(30)
Asset Quality Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets2.063.06(100)2.23(17)
Loan Loss Reserves/ Gross Loans1.702.13(43)1.76(6)
Loan Loss Reserves/ NPAs38.3032.9753336.41189
Net Charge-offs/ Avg Loans0.04(0.51)550.06(3)
Regulatory Capital Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA17.31NANANA
   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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