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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 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves591,806614,758(3.73)597,590(3.87)
Loans Held for Sale, before Reserves2182,047(89.35)668(269.46)
Loan Loss Reserve16,15817,899(9.73)16,209(1.26)
Net Loans Receivable575,866598,906(3.85)582,049(4.25)
Intangible Assets05NM00.00
Total Assets1,217,8121,286,146(5.31)1,222,682(1.59)
Deposits1,056,6111,062,465(0.55)1,069,718(4.90)
Debt, Senior and Subordinated27,000122,000(77.87)27,0000.00
Common Equity118,10785,94937.42110,60827.12
Total Shareholders' Equity118,10785,94937.42110,60827.12
Shares Outstanding (actual)21,266,38017,903,65618.7820,605,49312.83
Income Statement ($000)
 2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Net Interest Income8,4958,0445.618,529(1.59)
Provision for Loan Losses1001,500(93.33)1000.00
Noninterest Income3,5953,978(9.63)3,617(2.43)
Noninterest Expense9,6879,4182.869,842(6.30)
Net Income Before Taxes2,3601,114111.852,3226.55
Provision for Taxes5930NM682(52.20)
Net Income1,7671,11458.621,64030.98
Per Share Items ($)
 2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Book Value per Share5.554.8015.695.3713.85
Tangible Book Value5.554.8015.695.3713.85
Diluted EPS Before Extra0.080.0633.330.10(80.00)
Diluted EPS After Extra0.080.0633.330.10(80.00)
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
ROAA0.600.35250.564
ROAE6.345.321026.322
Net Interest Margin3.182.82363.23(5)
Loans / Deposits56.0157.86(185)55.8615
Efficiency Ratio76.1474.4317177.84(170)
Balance Sheet Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.706.683029.0565
Equity/ Assets9.706.683029.0565
Asset Quality Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets5.626.82(120)5.65(3)
Loan Loss Reserves/ Gross Loans2.732.90(17)2.712
Loan Loss Reserves/ NPAs23.6220.4931323.4715
Net Charge-offs/ Avg Loans0.100.58(48)0.44(33)
Regulatory Capital Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio13.6310.6929413.2934
   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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