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

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Balance Sheet ($000)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves740,786682,7498.50722,64010.04
Loans Held for Sale, before Reserves334899(62.85)0NM
Loan Loss Reserve7,9588,137(2.20)7,8853.70
Net Loans Receivable733,162675,5118.53714,75510.30
Intangible Assets000.0000.00
Total Assets1,321,8851,326,392(0.34)1,326,056(1.26)
Deposits1,147,4941,177,069(2.51)1,193,363(15.37)
Debt, Senior and Subordinated37,8000NM0NM
Common Equity120,354134,222(10.33)117,5029.71
Total Shareholders' Equity120,354134,222(10.33)117,5029.71
Shares Outstanding (actual)22,983,25522,870,0820.4922,973,2610.17
Income Statement ($000)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Net Interest Income10,8339,8649.8210,53611.28
Provision for Loan Losses000.00(100)NM
Noninterest Income3,8874,365(10.95)3,8662.17
Noninterest Expense8,6699,070(4.42)9,773(45.19)
Net Income Before Taxes6,0505,22615.774,628122.90
Provision for Taxes1,1051,586(30.33)726208.82
Net Income4,9453,64035.853,902106.92
Per Share Items ($)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Book Value per Share5.245.87(10.77)5.119.53
Tangible Book Value5.245.87(10.77)5.119.53
Diluted EPS Before Extra0.210.1631.250.1794.12
Diluted EPS After Extra0.210.1631.250.1794.12
Dividends Declared0.07000.050040.000.6600(357.58)
Performance Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
ROAA1.521.11411.1933
ROAE16.6311.1454912.80383
Net Interest Margin3.643.31333.5212
Loans / Deposits64.5658.0065560.55400
Efficiency Ratio61.7964.14(235)67.41(562)
Balance Sheet Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.1010.12(101)8.8624
Equity/ Assets9.1010.12(101)8.8624
Asset Quality Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.911.19(28)0.98(7)
Loan Loss Reserves/ Gross Loans1.071.19(12)1.09(2)
Loan Loss Reserves/ NPAs66.5151.541,49760.78573
Net Charge-offs/ Avg Loans(0.04)0.12(16)(0.18)14
Regulatory Capital Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio14.8115.85(104)14.83(2)
   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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