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

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Balance Sheet ($000)
 2013 Q12012 Q1Y-Y
Ch (%)
2012 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves614,758666,653(7.78)627,249(7.97)
Loans Held for Sale, before Reserves2,047641219.341,520138.68
Loan Loss Reserve17,89920,481(12.61)17,29913.87
Net Loans Receivable598,906646,813(7.41)611,470(8.22)
Intangible AssetsNA39NA10NA
Total Assets1,286,1461,250,4492.851,268,5955.53
Deposits1,062,4651,035,5502.601,048,8305.20
Debt, Senior and Subordinated122,000127,000(3.94)122,135(0.44)
Common Equity85,94975,89913.2483,57411.37
Total Shareholders' Equity85,94975,89913.2483,57411.37
Shares Outstanding (actual)17,903,65617,312,7073.4117,396,17911.67
Income Statement ($000)
 2013 Q12012 Q1Y-Y
Ch (%)
2012 Q4Q-Q
Ch (%)
Net Interest Income8,0448,928(9.90)8,316(13.08)
Provision for Loan Losses1,5002,250(33.33)2,500(160.00)
Noninterest Income3,9783,57711.214,132(14.91)
Noninterest Expense9,41810,012(5.93)9,3712.01
Net Income Before Taxes1,1141,343(17.05)618321.04
Provision for Taxes0126NM(5,069)NM
Net Income1,1141,217(8.46)5,687(321.65)
Per Share Items ($)
 2013 Q12012 Q1Y-Y
Ch (%)
2012 Q4Q-Q
Ch (%)
Book Value per Share4.804.389.504.80(0.29)
Tangible Book ValueNA4.38NA4.80NA
Diluted EPS Before Extra0.060.07(14.29)0.33(327.27)
Diluted EPS After Extra0.060.07(14.29)0.33(327.27)
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
 2013 Q12012 Q1Y-Y
Ch (bp)
2012 Q4Q-Q
Ch (bp)
ROAA0.350.39(4)1.81(146)
ROAE5.326.39(107)28.30(2,298)
Net Interest Margin2.823.19(37)2.92(10)
Loans / Deposits57.8664.38(652)59.80(194)
Efficiency Ratio74.4373.1912470.69374
Balance Sheet Ratios (%)
 2013 Q12012 Q1Y-Y
Ch (bp)
2012 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA6.07NA6.59NA
Equity/ Assets6.686.07616.599
Asset Quality Ratios (%)
 2013 Q12012 Q1Y-Y
Ch (bp)
2012 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets6.827.08(26)6.87(5)
Loan Loss Reserves/ Gross Loans2.903.07(17)2.7515
Loan Loss Reserves/ NPAs20.4923.13(264)19.8564
Net Charge-offs/ Avg Loans0.581.57(99)2.70(212)
Regulatory Capital Ratios (%)
 2013 Q12012 Q1Y-Y
Ch (bp)
2012 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio10.699.5911010.2742
   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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