Institution Statistics
| Manufacturers Bank & Trust Company | | FDIC Certificate # | 16307 | | BankRate Report | View | | Year Established | 1945 | | Employees | 72 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $272.69 million | | Loans | $160.60 million | | Deposits | $222.14 million | | Equity Capital | $29.38 million | | Loan Loss Allowance | $2.89 million | | Unbacked Noncurrent Loans | $1.66 million | | Real Estate Owned | $911,000 |
Historic Data - March 2011 | | Assets | $252.13 million | | Equity Capital | $25.75 million | | Loan Loss Allowance | $2.99 million | | Unbacked Noncurrent Loans | $2.35 million | | Real Estate Owned | $1.04 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.79% | | Return on Assets | 1.41% | | Return on Equity | 12.8% | | Interest Income | $2.98 million |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 MBT Bank had $2.57 million in non-current loans and owned real-estate with $32.27 million in equity and loan loss allowances on hand to cover it. This gives MBT Bank a Texas Ratio of 7.96% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for MBT Bank decreased slightly from 11.67% as of March 31, 2011 to 7.96% as of March 31, 2012, resulting in a positive change of 31.82%.This indicates that the balance sheet and financial strength for MBT Bank has improved slightly in recent periods. | | Deposit Growth | | | In the past year, MBT Bank has increased its total deposits by $17.22 million, resulting in 8.4% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth MBT Bank has shown is excellent. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. MBT Bank has $272.69 million in assets with $32.27 million in equity, resulting in a capitalization level of 11.83%, which is above average. |
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