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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 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves652,337617,3085.67655,809(2.12)
Loans Held for Sale, before Reserves6111,477(58.63)636(15.72)
Loan Loss Reserve8,45810,896(22.38)9,405(40.28)
Net Loans Receivable644,490607,8896.02647,040(1.58)
Intangible Assets000.0000.00
Total Assets1,357,2831,342,3131.121,343,0264.25
Deposits1,199,7171,165,3932.951,180,4616.52
Debt, Senior and Subordinated015,000NM00.00
Common Equity141,114147,341(4.23)147,662(17.74)
Total Shareholders' Equity141,114147,341(4.23)147,662(17.74)
Shares Outstanding (actual)22,777,88222,790,707(0.06)22,736,1160.73
Income Statement ($000)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Net Interest Income9,5749,3282.649,5152.48
Provision for Loan Losses(1,000)(2,000)(50.00)(700)171.43
Noninterest Income3,8373,8310.163,956(12.03)
Noninterest Expense9,2939,521(2.39)8,97814.03
Net Income Before Taxes5,1105,762(11.32)5,280(12.88)
Provision for Taxes1,5321,748(12.36)1,593(15.32)
Net Income3,5784,014(10.86)3,687(11.83)
Per Share Items ($)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Book Value per Share6.206.46(4.17)6.49(18.44)
Tangible Book Value6.206.46(4.17)6.49(18.44)
Diluted EPS Before Extra0.160.18(11.11)0.160.00
Diluted EPS After Extra0.160.18(11.11)0.160.00
Dividends Declared0.04000.0000NM0.04000.00
Performance Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
ROAA1.071.22(15)1.10(3)
ROAE9.5710.79(122)9.98(41)
Net Interest Margin3.143.1133.113
Loans / Deposits54.3752.9714055.56(118)
Efficiency Ratio68.1872.10(392)65.59259
Balance Sheet Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.4010.98(58)10.99(60)
Equity/ Assets10.4010.98(58)10.99(60)
Asset Quality Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.512.23(72)1.80(29)
Loan Loss Reserves/ Gross Loans1.301.76(47)1.43(14)
Loan Loss Reserves/ NPAs41.3636.4149538.92244
Net Charge-offs/ Avg Loans(0.03)0.06(10)(0.12)9
Regulatory Capital Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio17.3018.53(123)17.1515
   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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