UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
September 30, 2003
Date of Report (Date of earliest event reported)
MBT FINANCIAL CORP.
(Exact name of registrant as specified in its charter)
Michigan
(State or other jurisdiction of incorporation)
000-30973
(Commission File Number)
38-3516922
(I.R.S. Employer Identification Number)
102 East Front Street
Monroe, Michigan 48161
(Address of principal executive offices, including zip code)
(734) 241-3431
(Registrant's telephone number, including area code)
[not applicable]
(Former name or former address, if changed since last report)
ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS
(c) Exhibits
The following exhibit is furnished herewith:
Exhibit No. Description of Exhibit
Press Release dated September 30, 2003
regarding the Registrant's results of
operations and financial condition for the
three months ended September 30, 2003
ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION
On September 30, 2003, MBT Financial Corp. issued a press release announcing an
additional provision of $5.5 million to its allowance for loan losses for the
quarter ended September 30, 2003, resulting in an expected reduction in earnings
per share of $0.19 for the quarter ended September 30, 2003, and an expected
reduction in earnings per share for its fiscal year ending December 31, 2003 to
$0.95 to $1.00 per share. A copy of the press release is attached as Exhibit 99
and is incorporated by reference.
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.
MBT FINANCIAL CORP.
Date: October 1, 2003
/s/ Ronald D. LaBeau
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Ronald D. LaBeau
Chairman & CEO
EXHIBIT INDEX
Exhibit Number Description
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99 Press Release dated September 30, 2003 regarding the
Registrant's results of operations and financial condition
for the three months ended September 30, 2003