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

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Balance Sheet ($000)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves597,590627,249(4.73)610,928(8.73)
Loans Held for Sale, before Reserves6681,520(56.05)1661,209.64
Loan Loss Reserve16,20917,299(6.30)16,766(13.29)
Net Loans Receivable582,049611,470(4.81)594,328(8.26)
Intangible Assets010NM00.00
Total Assets1,222,6821,268,595(3.62)1,198,1328.20
Deposits1,069,7181,048,8301.991,054,1435.91
Debt, Senior and Subordinated27,000122,135(77.89)27,0000.00
Common Equity110,60883,57432.35100,82438.82
Total Shareholders' Equity110,60883,57432.35100,82438.82
Shares Outstanding (actual)20,605,49317,396,17918.4517,917,51260.01
Income Statement ($000)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Net Interest Income8,5298,3162.568,539(0.47)
Provision for Loan Losses1002,500(96.00)200(200.00)
Noninterest Income3,7204,132(9.97)3,974(25.57)
Noninterest Expense9,9459,3716.139,963(0.72)
Net Income Before Taxes2,322618275.732,492(27.29)
Provision for Taxes682(5,069)NM(18,795)NM
Net Income1,6405,687(71.16)21,287(369.18)
Per Share Items ($)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Book Value per Share5.374.8011.735.63(18.43)
Tangible Book Value5.374.8011.755.63(18.43)
Diluted EPS Before Extra0.100.33(69.70)1.17(365.81)
Diluted EPS After Extra0.100.33(69.70)1.17(365.81)
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
ROAA0.561.81(125)7.19(663)
ROAE6.3228.30(2,198)104.82(9,850)
Net Interest Margin3.232.92313.176
Loans / Deposits55.8659.80(394)57.95(209)
Efficiency Ratio77.8470.3375172.25559
Balance Sheet Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.056.592468.4263
Equity/ Assets9.056.592468.4263
Asset Quality Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets5.706.87(117)6.02(32)
Loan Loss Reserves/ Gross Loans2.712.75(4)2.74(3)
Loan Loss Reserves/ NPAs23.4719.8536223.2622
Net Charge-offs/ Avg Loans0.442.70(227)0.412
Regulatory Capital Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio13.2910.2730211.48181
   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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