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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 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves638,280623,5702.36617,96713.15
Loans Held for Sale, before Reserves9191,602(42.63)646169.04
Loan Loss Reserve9,90313,079(24.28)10,537(24.07)
Net Loans Receivable629,296612,0932.81608,07613.96
Intangible Assets000.0000.00
Total Assets1,323,4151,292,1042.421,334,131(3.21)
Deposits1,163,4181,121,2803.761,162,7330.24
Debt, Senior and Subordinated015,000NM15,000NM
Common Equity145,623138,8644.87142,4248.98
Total Shareholders' Equity145,623138,8644.87142,4248.98
Shares Outstanding (actual)22,728,55822,741,898(0.06)22,902,198(3.03)
Income Statement ($000)
 2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Net Interest Income9,2449,0811.799,290(1.98)
Provision for Loan Losses(200)0NM(300)(133.33)
Noninterest Income3,8043,8040.003,850(4.78)
Noninterest Expense8,8739,751(9.00)9,539(27.93)
Net Income Before Taxes6,1273,15694.144,221180.62
Provision for Taxes1,888871116.761,224216.99
Net Income4,2392,28585.512,997165.77
Per Share Items ($)
 2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Book Value per Share6.416.114.936.2212.11
Tangible Book Value6.416.114.936.2212.11
Diluted EPS Before Extra0.180.1080.000.13153.85
Diluted EPS After Extra0.180.1080.000.13153.85
Dividends Declared0.03000.0000NM0.5300(377.36)
Performance Ratios (%)
 2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
ROAA1.280.72560.9137
ROAE11.876.485398.57330
Net Interest Margin3.103.12(2)3.091
Loans / Deposits54.8655.61(75)53.15171
Efficiency Ratio67.8373.18(535)69.75(192)
Balance Sheet Ratios (%)
 2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets11.0010.752610.6833
Equity/ Assets11.0010.752610.6833
Asset Quality Ratios (%)
 2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.972.95(98)2.06(9)
Loan Loss Reserves/ Gross Loans1.552.09(54)1.70(15)
Loan Loss Reserves/ NPAs38.0334.2537838.30(27)
Net Charge-offs/ Avg Loans0.280.07210.0424
Regulatory Capital Ratios (%)
 2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Tier 1 Capital RatioNANANANANA
   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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