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

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Balance Sheet ($000)
 2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves617,308610,3321.14623,809(4.17)
Loans Held for Sale, before Reserves1,477548169.531,597(30.06)
Loan Loss Reserve10,89613,208(17.50)12,996(64.64)
Net Loans Receivable607,889597,6721.71612,410(2.95)
Intangible Assets000.0000.00
Total Assets1,342,3131,278,6574.981,316,7197.78
Deposits1,165,3931,111,8114.821,136,80910.06
Debt, Senior and Subordinated15,00015,0000.0015,0000.00
Common Equity147,341134,5369.52146,1543.25
Total Shareholders' Equity147,341134,5369.52146,1543.25
Shares Outstanding (actual)22,790,70722,718,0770.3222,761,3270.52
Income Statement ($000)
 2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Net Interest Income9,3288,8025.989,2244.51
Provision for Loan Losses(2,000)0NM(200)3,600.00
Noninterest Income3,8313,872(1.06)3,926(9.68)
Noninterest Expense9,5219,797(2.82)9,13017.13
Net Income Before Taxes5,7622,96794.204,236144.10
Provision for Taxes1,748818113.691,230168.46
Net Income4,0142,14986.783,006134.13
Per Share Items ($)
 2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Book Value per Share6.465.929.176.422.73
Tangible Book Value6.465.929.176.422.73
Diluted EPS Before Extra0.180.09100.000.13153.85
Diluted EPS After Extra0.180.09100.000.13153.85
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
 2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
ROAA1.220.70520.9329
ROAE10.796.454348.48231
Net Interest Margin3.113.14(3)3.110
Loans / Deposits52.9754.90(193)54.87(190)
Efficiency Ratio72.1075.19(309)67.83427
Balance Sheet Ratios (%)
 2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.9810.524511.10(12)
Equity/ Assets10.9810.524511.10(12)
Asset Quality Ratios (%)
 2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets2.233.25(102)2.56(33)
Loan Loss Reserves/ Gross Loans1.762.16(40)2.08(32)
Loan Loss Reserves/ NPAs36.4131.7746438.51(210)
Net Charge-offs/ Avg Loans0.06(0.05)12(0.07)14
Regulatory Capital Ratios (%)
 2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNA15.96NANANA
   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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