Monroe Bank & Trust -- Investor Relations

Financial Highlights

MBT FINANCIAL CORP. (NASDAQ - MBTF)

Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
	2009 Q4	2008 Q4	Y-Y Ch (%)	2009 Q3	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	848,979	940,948	(9.77)	879,095	(13.70)
Loans Held for Sale, before Reserves	931	784	18.75	418	490.91
Loan Loss Reserve	24,063	18,528	29.87	18,573	118.24
Net Loans Receivable	825,847	923,204	(10.55)	860,940	(16.30)
Intangible Assets	NA	21	NA	NA	NA
Total Assets	1,384,084	1,562,401	(11.41)	1,442,512	(16.20)
Deposits	1,031,791	1,136,078	(9.18)	1,047,649	(6.05)
Debt, Senior and Subordinated	258,500	291,500	(11.32)	273,500	(21.94)
Common Equity	82,385	120,977	(31.90)	109,597	(99.32)
Total Shareholders' Equity	82,385	120,977	(31.90)	109,597	(99.32)
Shares Outstanding (actual)	16,210,110	16,148,482	0.38	16,198,785	0.28

Income Statement ($000)
	2009 Q4	2008 Q4	Y-Y Ch (%)	2009 Q3	Q-Q Ch (%)^†
Net Interest Income	10,101	9,723	3.89	10,516	(15.79)
Provision for Loan Losses	17,000	10,000	70.00	6,800	600.00
Noninterest Income	4,000	3,849	3.92	3,746	27.12
Noninterest Expense	10,535	8,773	20.08	11,390	(30.03)
Net Income Before Taxes	(17,473)	(5,150)	239.28	(4,115)	1,298.47
Provision for Taxes	6,654	(2,153)	NM	(1,790)	NM
Net Income	(24,127)	(2,997)	705.04	(2,325)	3,750.88

Per Share Items ($)
	2009 Q4	2008 Q4	Y-Y Ch (%)	2009 Q3	Q-Q Ch (%)^†
Book Value per Share	5.08	7.49	(32.18)	6.77	(99.66)
Tangible Book Value	NA	7.49	NA	NA	NA
Diluted EPS Before Extra	(1.49)	(0.19)	684.21	(0.14)	3,857.14
Diluted EPS After Extra	(1.49)	(0.19)	684.21	(0.14)	3,857.14
Dividends Declared	0.0000	0.0900	NM	0.0000	0.00

Performance Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
ROAA	(6.88)	(0.77)	(611)	(0.64)	(624)
ROAE	(86.63)	(9.78)	(7,685)	(8.20)	(7,843)
Net Interest Margin	3.22	2.79	43	3.24	(2)
Loans / Deposits	82.28	82.82	(54)	83.91	(163)
Efficiency Ratio	61.90	59.11	279	61.90	0

Balance Sheet Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	NA	7.74	NA	NA	NA
Equity/ Assets	5.95	7.74	(179)	7.60	(165)
Asset Quality Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
Nonperforming Assets/ Assets	7.98	4.67	331	6.75	123
Loan Loss Reserves/ Gross Loans	2.83	1.97	86	2.11	72
Loan Loss Reserves/ NPAs	21.78	25.42	(363)	19.12	266
Net Charge-offs/ Avg Loans	5.30	4.10	120	5.38	(8)

Regulatory Capital Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
Tier 1 Capital Ratio	NA	11.48	NA	9.91	NA

^† 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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