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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 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	614,758	666,653	(7.78)	627,249	(7.97)
Loans Held for Sale, before Reserves	2,047	641	219.34	1,520	138.68
Loan Loss Reserve	17,899	20,481	(12.61)	17,299	13.87
Net Loans Receivable	598,906	646,813	(7.41)	611,470	(8.22)
Intangible Assets	NA	39	NA	10	NA
Total Assets	1,286,146	1,250,449	2.85	1,268,595	5.53
Deposits	1,062,465	1,035,550	2.60	1,048,830	5.20
Debt, Senior and Subordinated	122,000	127,000	(3.94)	122,135	(0.44)
Common Equity	85,949	75,899	13.24	83,574	11.37
Total Shareholders' Equity	85,949	75,899	13.24	83,574	11.37
Shares Outstanding (actual)	17,903,656	17,312,707	3.41	17,396,179	11.67

Income Statement ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Net Interest Income	8,044	8,928	(9.90)	8,316	(13.08)
Provision for Loan Losses	1,500	2,250	(33.33)	2,500	(160.00)
Noninterest Income	3,978	3,577	11.21	4,132	(14.91)
Noninterest Expense	9,418	10,012	(5.93)	9,371	2.01
Net Income Before Taxes	1,114	1,343	(17.05)	618	321.04
Provision for Taxes	0	126	NM	(5,069)	NM
Net Income	1,114	1,217	(8.46)	5,687	(321.65)

Per Share Items ($)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Book Value per Share	4.80	4.38	9.50	4.80	(0.29)
Tangible Book Value	NA	4.38	NA	4.80	NA
Diluted EPS Before Extra	0.06	0.07	(14.29)	0.33	(327.27)
Diluted EPS After Extra	0.06	0.07	(14.29)	0.33	(327.27)
Dividends Declared	0.0000	0.0000	0.00	0.0000	0.00

Performance Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
ROAA	0.35	0.39	(4)	1.81	(146)
ROAE	5.32	6.39	(107)	28.30	(2,298)
Net Interest Margin	2.82	3.19	(37)	2.92	(10)
Loans / Deposits	57.86	64.38	(652)	59.80	(194)
Efficiency Ratio	74.43	73.19	124	70.69	374

Balance Sheet Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	NA	6.07	NA	6.59	NA
Equity/ Assets	6.68	6.07	61	6.59	9

Asset Quality Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Nonperforming Assets/ Assets	6.82	7.08	(26)	6.87	(5)
Loan Loss Reserves/ Gross Loans	2.90	3.07	(17)	2.75	15
Loan Loss Reserves/ NPAs	20.49	23.13	(264)	19.85	64
Net Charge-offs/ Avg Loans	0.58	1.57	(99)	2.70	(212)

Regulatory Capital Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tier 1 Capital Ratio	10.69	9.59	110	10.27	42

^† 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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