Financial Highlights

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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 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves722,640662,9249.01694,97915.92
Loans Held for Sale, before Reserves0525NM346NM
Loan Loss Reserve7,8858,334(5.39)7,66611.43
Net Loans Receivable714,755655,1159.10687,65915.76
Intangible Assets000.0000.00
Total Assets1,326,0561,346,554(1.52)1,347,420(6.34)
Deposits1,193,3631,203,072(0.81)1,198,164(1.60)
Debt, Senior and Subordinated000.0000.00
Common Equity117,502129,553(9.30)132,658(45.70)
Total Shareholders' Equity117,502129,553(9.30)132,658(45.70)
Shares Outstanding (actual)22,973,26122,860,7940.4922,907,8441.14
Income Statement ($000)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Net Interest Income10,5369,5959.8110,3736.29
Provision for Loan Losses(100)(200)(50.00)(500)(320.00)
Noninterest Income3,8663,8440.573,882(1.65)
Noninterest Expense9,7739,0967.449,04832.05
Net Income Before Taxes4,6284,5531.655,415(58.13)
Provision for Taxes7261,373(47.12)5,559(347.76)
Net Income3,9023,18022.70(144)NM
Per Share Items ($)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Book Value per Share5.115.67(9.75)5.79(46.71)
Tangible Book Value5.115.67(9.75)5.79(46.71)
Diluted EPS Before Extra0.170.1421.43(0.01)NM
Diluted EPS After Extra0.170.1421.43(0.01)NM
Dividends Declared0.66000.7500(12.00)0.06004,000.00
Performance Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
ROAA1.190.9722(0.04)123
ROAE12.809.83297(0.42)1,322
Net Interest Margin3.523.21313.439
Loans / Deposits60.5555.1054558.00255
Efficiency Ratio67.4166.439862.80461
Balance Sheet Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.869.62(76)9.85(98)
Equity/ Assets8.869.62(76)9.85(98)
Asset Quality Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.981.24(26)1.09(11)
Loan Loss Reserves/ Gross Loans1.091.26(17)1.10(1)
Loan Loss Reserves/ NPAs60.7849.851,09452.03876
Net Charge-offs/ Avg Loans(0.18)(0.05)(13)(0.09)(9)
Regulatory Capital Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio14.8315.59(76)16.45(162)
   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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