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

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Balance Sheet ($000)
 2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves585,770610,928(4.12)598,584(8.56)
Loans Held for Sale, before Reserves382166130.121,219(274.65)
Loan Loss Reserve13,13016,766(21.69)15,001(49.89)
Net Loans Receivable573,022594,328(3.58)584,802(8.06)
Intangible Assets000.0000.00
Total Assets1,251,8121,198,1324.481,209,83113.88
Deposits1,089,4841,054,1433.351,049,78915.12
Debt, Senior and Subordinated15,00027,000(44.44)15,0000.00
Common Equity130,652100,82429.58128,7945.77
Total Shareholders' Equity130,652100,82429.58128,7945.77
Shares Outstanding (actual)22,694,90617,917,51226.6622,690,1420.08
Income Statement ($000)
 2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Net Interest Income8,8528,5393.678,55214.03
Provision for Loan Losses(700)200NM100NM
Noninterest Income3,7793,34213.083,7077.77
Noninterest Expense9,9969,3317.1310,133(5.41)
Net Income Before Taxes2,3152,492(7.10)2,24512.47
Provision for Taxes603(18,795)NM55832.26
Net Income1,71221,287(91.96)1,6875.93
Per Share Items ($)
 2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Book Value per Share5.765.632.315.685.69
Tangible Book Value5.765.632.315.685.69
Diluted EPS Before Extra0.071.18(94.07)0.08(50.00)
Diluted EPS After Extra0.071.18(94.07)0.08(50.00)
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
ROAA0.567.25(668)0.560
ROAE5.25105.68(10,043)5.49(23)
Net Interest Margin3.173.1703.152
Loans / Deposits53.7757.95(419)57.02(325)
Efficiency Ratio71.6672.25(59)75.85(419)
Balance Sheet Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.448.4220210.65(21)
Equity/ Assets10.448.4220210.65(21)
Asset Quality Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets3.476.02(255)4.96(149)
Loan Loss Reserves/ Gross Loans2.242.74(50)2.50(26)
Loan Loss Reserves/ NPAs30.1923.2669424.98521
Net Charge-offs/ Avg Loans0.780.41370.84(6)
Regulatory Capital Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio15.6611.4841814.51115
   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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