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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 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves610,332597,5902.13585,77016.77
Loans Held for Sale, before Reserves548668(17.96)382173.82
Loan Loss Reserve13,20816,209(18.51)13,1302.38
Net Loans Receivable597,672582,0492.68573,02217.21
Intangible Assets000.0000.00
Total Assets1,278,6571,222,6824.581,251,8128.58
Deposits1,111,8111,069,7183.931,089,4848.20
Debt, Senior and Subordinated15,00027,000(44.44)15,0000.00
Common Equity134,536110,60821.63130,65211.89
Total Shareholders' Equity134,536110,60821.63130,65211.89
Shares Outstanding (actual)22,718,07720,605,49310.2522,694,9060.41
Income Statement ($000)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Net Interest Income8,8028,5293.208,852(2.26)
Provision for Loan Losses0100NM(700)NM
Noninterest Income3,8723,7204.093,7799.84
Noninterest Expense9,7979,945(1.49)9,996(7.96)
Net Income Before Taxes2,9672,32227.782,315112.66
Provision for Taxes81868219.94603142.62
Net Income2,1491,64031.041,712102.10
Per Share Items ($)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Book Value per Share5.925.3710.325.7611.47
Tangible Book Value5.925.3710.325.7611.47
Diluted EPS Before Extra0.090.10(10.00)0.07114.29
Diluted EPS After Extra0.090.10(10.00)0.07114.29
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
ROAA0.700.56140.5614
ROAE6.456.32135.21124
Net Interest Margin3.143.23(9)3.17(3)
Loans / Deposits54.9055.86(97)53.77113
Efficiency Ratio75.1977.84(265)71.66353
Balance Sheet Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.529.0514810.448
Equity/ Assets10.529.0514810.448
Asset Quality Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets3.255.65(240)3.47(22)
Loan Loss Reserves/ Gross Loans2.162.71(55)2.24(8)
Loan Loss Reserves/ NPAs31.7723.4783030.19158
Net Charge-offs/ Avg Loans(0.05)0.44(49)0.78(84)
Regulatory Capital Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio15.9613.2926715.6630
   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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