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)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves662,924617,9677.27652,3376.49
Loans Held for Sale, before Reserves525646(18.73)611(56.30)
Loan Loss Reserve8,33410,537(20.91)8,458(5.86)
Net Loans Receivable655,115608,0767.74644,4906.59
Intangible Assets000.0000.00
Total Assets1,346,5541,334,1310.931,357,283(3.16)
Deposits1,203,0721,162,7333.471,199,7171.12
Debt, Senior and Subordinated015,000NM00.00
Common Equity129,553142,424(9.04)141,114(32.77)
Total Shareholders' Equity129,553142,424(9.04)141,114(32.77)
Shares Outstanding (actual)22,860,79422,902,198(0.18)22,777,8821.46
Income Statement ($000)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Net Interest Income9,5959,2903.289,5740.88
Provision for Loan Losses(200)(300)(33.33)(1,000)(320.00)
Noninterest Income3,8443,850(0.16)3,8370.73
Noninterest Expense9,0969,539(4.64)9,293(8.48)
Net Income Before Taxes4,5534,2217.875,110(43.60)
Provision for Taxes1,3731,22412.171,532(41.51)
Net Income3,1802,9976.113,578(44.49)
Per Share Items ($)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Book Value per Share5.676.22(8.87)6.20(34.10)
Tangible Book Value5.676.22(8.87)6.20(34.10)
Diluted EPS Before Extra0.140.137.690.16(50.00)
Diluted EPS After Extra0.140.137.690.16(50.00)
Dividends Declared0.75000.530041.510.04007,100.00
Performance Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
ROAA0.970.9161.07(10)
ROAE9.838.571269.5726
Net Interest Margin3.213.09123.147
Loans / Deposits55.1053.1519554.3773
Efficiency Ratio66.4369.75(332)68.18(175)
Balance Sheet Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.6210.68(105)10.40(78)
Equity/ Assets9.6210.68(105)10.40(78)
Asset Quality Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.242.06(82)1.51(27)
Loan Loss Reserves/ Gross Loans1.261.70(45)1.30(4)
Loan Loss Reserves/ NPAs49.8538.301,15541.36849
Net Charge-offs/ Avg Loans(0.05)0.04(8)(0.03)(1)
Regulatory Capital Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio15.5917.48(189)17.30(171)
   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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