Mackinac Financial Corporation Surpasses $1 Billion In Total Assets, Announces Six-Month And Second Quarter 2017 Results

MANISTIQUE, Mich., July 27, 2017 (GLOBE NEWSWIRE) -- Mackinac Financial Corporation (Nasdaq:MFNC) (the "Corporation"), the bank holding company for mBank, today announced second quarter 2017 income of $1.680 million, or $.27 per share, compared to a loss of $.125 million or ($.02) per share for the second quarter of 2016.  Net income for the first six months of 2017 totaled $3.406 million, or $.54 per share, compared to $1.007 million, or $.16 per share, for the same period in 2016.  Total assets of the Corporation at June 30, 2017 totaled $1.027 billion, compared to $892.328 million at June 30, 2016.  Weighted average shares for 2017 totaled 6,282,551, compared to 6,220,906 shares in the same period of 2016.

The period-to-period comparison above includes the effect of the Corporation's April 2016 acquisition of First National Bank of Eagle River ("Eagle River").  In connection with this acquisition, the Corporation had GAAP pre-tax transaction related expenses totaling $2.516 million recorded in the second quarter of 2016. These costs, largely associated with the early termination of the Eagle River data processing system, reduced the reported net income for the 2016 second quarter by $1.712 million, or $.27 per share, on an after-tax basis.  The adjusted net income for the second quarter of 2016 (exclusive of the transaction related expenses) would equate to $1.588 million, or $.25 per share.  Adjusted net income for the first six months of 2016 for the Corporation was $2.770 million, or $.45 per share. 

Highlights for the first six months of 2017 include:
  • mBank, the Corporation's subsidiary bank, recorded six-month net income of $4.113 million compared to $1.807 million in 2016.  Excluding $2.216 million of transaction related expenses at the bank ($1.462 million after tax), net income was $3.270 million for the first six months of 2016, equating to a 26% increase, as adjusted, compared to the same period in 2017.     
  • The Corporation and mBank surpassed the billion-dollar asset threshold during the quarter and ended the period at $1.027 billion and $1.023 billion of total assets, respectively. 
  • Total interest income of $21.462 million through June 2017 compared to $17.403 million for the same period in 2016. 
  • Net interest margin remains solid, at 4.21%. Net interest income increased from $15.284 million in 2016 to $18.485 million in 2017, a 21% increase. 
  • Credit quality remains strong with a Texas Ratio of 9.91% 
  • Continued momentum in the asset based lending division, Mackinac Commercial Credit ("MCC"), with loan production of $16.1 million, an increase of 200% from the same period of 2016.

Loans and Nonperforming Assets

Total loans at June 30, 2017 were $790.753 million an increase from $725.635 million at June 30, 2016, of which approximately $28.0 million is attributable to the August 2016 Niagara Bancorporation ("Niagara") acquisition. In addition to the balance sheet totals, the Corporation services $210.160 million of sold mortgage loans and $40.097 million of sold SBA and USDA loans. Total loans under management as of second quarter end were $1.041 billion. 

New loan production totaled $131.0 million, with the Upper Peninsula contributing $59.8 million, the Northern Lower Peninsula $26.2 million, Southeast Michigan $17.5 million, Wisconsin $11.4 million and MCC, $16.1 million.  Commercial loan production accounted for $63.7 million of the total, with consumer loans, primarily 1-4 family mortgages, totaling $51.2 million, inclusive of $30.0 million of secondary market origination. Commenting on new loan production and overall lending activities, Kelly W. George, President and CEO of mBank stated, "We are pleased to have had consistent loan production thus far in 2017 compared to 2016 in a changing origination environment from years past.  We have accomplished good loan activity in light of increased interest rates that challenge both sides of our balance sheet in terms of garnering acceptable margins for fixed rate loans to support growth. The seasonality of our business and markets has kicked in with significant new loan fundings in July and we anticipate the remaining third quarter and early fourth quarter will remain an active period for lending originations throughout all lines of business.  Proactive officer calling efforts and business development initiatives continue to be a primary focus within all our markets and business segments given the changing lending landscape and the outlook for potential future upward rate moves from the Fed."       Nonperforming assets totaled $7.798 million, or .76% of total assets at June 30, 2017 compared to $6.813 million, or .76% of total assets at June 30, 2016.  Total loan delinquencies greater than 30 days resided at a nominal .59%, or $4.693 million. George, commenting on credit quality stated, "Our loan portfolio remains sound with no material weaknesses showing in any of the different loan segments during the first half of this year and continued strong payment performance with very nominal levels of problem assets and delinquent obligations. We remain diligent in both the micro aspects of underwriting credits, as well as identifying and avoiding the macro risks associated with concentrations of different types of commercial loans we are cautious to put on our balance sheet. Certain types of commercial real-estate loans we may have looked to adjudicate in prior years have been passed on this year given acceptable returns could not be garnered for the structure or industry type risk of such credits. Maintaining a diverse client base and prudently mixed loan portfolio of business and retail loans remains highly important as we continue to grow, should another economic or real estate downturn occur as we seek to avoid overreliance on any one type of loan or segment."        

Margin/Deposit Analysis

Net interest income for the first six months of 2017 increased to $18.485 million, a 4.21% net interest margin compared to $15.284 million, or 4.25%, in 2016.  Total deposits of $848.245 million June 30, 2017 included approximately $54 million in deposits acquired with the Niagara acquisition. The growth of total deposits was approximately $110 million year-over-year.  George, commenting on core deposits and overall liquidity, stated "The Corporation maintains a strong short-term liquidity position made up of various components of core and wholesale funding sources, as well as unpledged investments to support loan growth and operations. We review the mix of funding sources through various internal committees to ensure it is appropriate as we seek to maximize margin dollars while remaining competitive in terms of pricing to procure in-market core deposits and grow our client base. Focus on deposits has become especially important with changing client banking habits and demographics, as well as customer desire for more electronic and mobile based banking products and services. In June, we secured some longer-term bulk funding with a 4-year $25 million FHLB borrowing to help support new fixed rate commercial lending originations and lock in margin given the outlook for continued rising interest rates. It is becoming more and more difficult to sell variable rate loans in the upward rate environment and maintaining the longer term structural integrity of our balance sheet is critically important to ensure consistent earnings growth year over year, rather than stretch for short term gains in the current year."

Noninterest Income/Expense

Noninterest income, at $1.571 million, was a $.048 million increase over the June 30, 2016 level of $1.523 million. Noninterest expense was $14.694 million for the first half of 2017 compared to $15.091 million for the same period of 2016.  The 2016 total included $2.516 million of transaction-related expenses. Excluding these charges, noninterest expense totaled $12.575 million.  The largest increase from 2016 was in salaries and benefits and other areas directly impacted by increased operating scale primarily related to the acquisitions of Eagle River and Niagara. The Corporation was able to achieve the expected level of cost efficiencies contemplated with the 2016 acquisitions.

Assets and Capital

Total assets of the Corporation at June 30, 2017 were $1.027 billion, up $135.122 million from the $892.328 million of total assets at June 30, 2016.  Total common shareholders' equity at June 30, 2017 was $81.313 million, or $12.92 per share, compared to $77.081 million, or $12.38 per share at June 30, 2016.  Capital levels remain consistent with past periods as Tier 1 Common Equity resided at 6.93% of average assets at the Corporation and 9.14% at mBank. 

In closure, Chairman and CEO of the Corporation Paul D. Tobias stated, "We are very pleased with the consistency of our earnings for the first half of 2017 as well as their improvement over the same period of 2016.  The scale that we have achieved through both organic growth and acquisitions is beginning to materialize since direct costs of the transactions were all recognized last year.  We believe reaching $1 billion in assets is an important milestone for the Corporation.  With our growth, we will certainly be subject to change in various areas of our company, however, what will not change is our focus on serving our valued clients and investing in the communities, both legacy and acquired, where we conduct business.  We are very excited about the direction of the Corporation and increased opportunities to increase shareholder value through acquisitions and organic growth." 

Mackinac Financial Corporation is a registered bank holding company formed under the Bank Holding Company Act of 1956 with assets in excess of $1 billion and whose common stock is traded on the NASDAQ stock market as "MFNC."   The principal subsidiary of the Corporation is mBank.  Headquartered in Manistique, Michigan, mBank has 24 branch locations; twelve in the Upper Peninsula, four in the Northern Lower Peninsula, one in Oakland County, Michigan and seven in Northern Wisconsin.  The Company's banking services include commercial lending and treasury management products and services geared toward small to mid-sized businesses, as well as a full array of personal and business deposit products and consumer loans.

Forward-Looking Statements

This release contains certain forward-looking statements.  Words such as "anticipates," "believes," "estimates," "expects," "intends," "should," "will," "view," and variations of such words and similar expressions are intended to identify forward-looking statements: as defined by the Private Securities Litigation Reform Act of 1995.  These statements reflect management's current beliefs as to expected outcomes of future events and are not guarantees of future performance.  These statements involve certain risks, uncertainties and assumptions that are difficult to predict with regard to timing, extent, likelihood, and degree of occurrence.  Therefore, actual results and outcomes may materially differ from what may be expressed or forecasted in such forward-looking statements.  Factors that could cause a difference include among others: changes in the national and local economies or market conditions; changes in interest rates and banking regulations; the impact of competition from traditional or new sources; and the possibility that anticipated cost savings and revenue enhancements from mergers and acquisitions, bank consolidations, branch closings and other sources may not be fully realized at all or within specified time frames as well as other risks and uncertainties including but not limited to those detailed from time to time in filings of the Company with the Securities and Exchange Commission.  These and other factors may cause decisions and actual results to differ materially from current expectations.  Mackinac Financial Corporation undertakes no obligation to revise, update, or clarify forward-looking statements to reflect events or conditions after the date of this release.
   
MACKINAC FINANCIAL CORPORATION AND SUBSIDIARIES   
SELECTED FINANCIAL HIGHLIGHTS  
                       
            As of and For the   As of and For the   As of and For the  
            Period Ending   Year Ending   Period Ending  
            June 30,   December 31,   June 30,  
(Dollars in thousands, except per share data)       2017     2016     2016    
            (Unaudited)       (Unaudited)  
Selected Financial Condition Data (at end of period):              
Assets           $ 1,027,450   $ 983,520   $ 892,328    
Loans             790,753     781,857     725,635    
Investment securities           82,212     86,273     71,114    
Deposits             848,245     823,512     738,363    
Borrowings           92,024     67,579     70,604    
Shareholders' equity           81,313     78,609     77,081    
                       
                       
Selected Statements of Income Data (six months and year ended):            
Net interest income         $ 18,485   $ 33,098   $ 15,284    
Income before taxes           5,162     6,766     1,566    
Net income           3,406     4,483     1,007    
Income per common share - Basic       .54   .72     .16    
Income per common share - Diluted     .54   .72     .16    
Weighted average shares outstanding       6,282,551     6,236,067     6,220,906    
Weighted average shares outstanding- Diluted       6,298,515     6,268,703     6,241,367    
                       
Three Months Ended:                    
Net interest income         $ 9,319   $ 9,118   $ 7,996    
Income before taxes           2,547     2,500     (151 )  
Net income           1,680     1,698     (125 )  
Income per common share - Basic       .27   .27     (.02 )  
Income per common share - Diluted     .27   .27     (.02 )  
Weighted average shares outstanding       6,294,930     6,263,371     6,227,730    
Weighted average shares outstanding- Diluted       6,307,883     6,316,452     6,256,386    
                       
Selected Financial Ratios and Other Data:                
Performance Ratios:                    
Net interest margin           4.21 %   4.19 %   4.25 %  
Efficiency ratio           71.61     79.69     89.10    
Return on average assets       .70   .52     .26    
Return on average equity         8.57     5.73     2.58    
                       
Average total assets         $ 982,374   $ 865,573   $ 785,881    
Average total shareholders' equity         80,158     78,300     78,383    
Average loans to average deposits ratio       95.38 %   98.14 %   101.68 %  
                       
                       
Common Share Data at end of period:                
Market price per common share       $ 13.99   $ 13.47   $ 11.01    
Book value per common share         12.92     12.55     12.38    
Tangible book value per share         11.69     11.29     11.23    
Dividends paid per share, annualized     .480   .400     .400    
Common shares outstanding         6,294,930     6,263,371     6,226,246    
                       
Other Data at end of period:                  
Allowance for loan losses       $ 5,133   $ 5,020   $ 4,733    
Non-performing assets         $ 7,798   $ 8,906   $ 6,813    
Allowance for loan losses to total loans     .65 % .64 %   .65 %  
Non-performing assets to total assets     .76 % .91 %   .76 %  
Texas ratio             9.91 %   11.76 %   9.13 %  
                       
Number of:                      
Branch locations           24     23     20    
FTE Employees           235     222     209    
                       

MACKINAC FINANCIAL CORPORATION AND SUBSIDIARIES 
CONSOLIDATED BALANCE SHEETS
 
  June 30,   December 31,   June 30,
    2017       2016       2016  
  (Unaudited)       (Unaudited)
ASSETS          
           
Cash and due from banks $ 78,972     $ 44,620     $ 40,226  
Federal funds sold   10,006       2,135       9  
Cash and cash equivalents   88,978       46,755       40,235  
           
Interest-bearing deposits in other financial institutions   14,312       14,047       7,184  
Securities available for sale   82,212       86,273       71,114  
Federal Home Loan Bank stock   3,250       2,911       2,639  
           
Loans:          
Commercial   559,388       543,573       503,508  
Mortgage   212,306       218,171       206,007  
Consumer   19,059       20,113       16,120  
Total Loans   790,753       781,857       725,635  
Allowance for loan losses   (5,133 )     (5,020 )     (4,733 )
Net loans   785,620       776,837       720,902  
           
Premises and equipment   16,654       15,891       14,699  
Other real estate held for sale   4,050       4,782       3,492  
Deferred tax asset   6,639       8,760       10,147  
Deposit based intangibles   2,047       2,172       1,992  
Goodwill   5,694       5,694       5,173  
Other assets   17,994       19,398       14,751  
           
TOTAL ASSETS $ 1,027,450     $ 983,520     $ 892,328  
           
LIABILITIES AND SHAREHOLDERS' EQUITY          
           
LIABILITIES:          
Deposits:          
Noninterest bearing deposits $ 156,970     $ 164,179     $ 149,435  
NOW, money market, interest checking   259,423       286,622       251,140  
Savings   61,741       58,315       48,978  
CDs<$250,000   143,169       141,629       130,053  
CDs>$250,000   10,077       8,489       5,417  
Brokered   216,865       164,278       153,340  
Total deposits   848,245       823,512       738,363  
           
Federal funds purchased   -       6,000       -  
Borrowings   92,024       67,579       70,604  
Other liabilities   5,868       7,820       6,280  
Total liabilities   946,137       904,911       815,247  
           
SHAREHOLDERS' EQUITY:          
Common stock and additional paid in capital - No par value          
Authorized - 18,000,000 shares          
Issued and outstanding - 6,294,930; 6,263,371; and 6,231,246 shares respectively   61,782       61,583       61,283  
Retained earnings   19,101       17,206       14,982  
Accumulated other comprehensive income          
Unrealized gains (losses) on available for sale securities   508       (102 )     865  
Minimum pension liability   (78 )     (78 )     (49 )
           
Total shareholders' equity   81,313       78,609       77,081  
           
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY $ 1,027,450     $ 983,520     $ 892,328  
           

MACKINAC FINANCIAL CORPORATION AND SUBSIDIARIES 
CONSOLIDATED STATEMENTS OF OPERATIONS
 
    Three Months Ended   Six Months Ended
    June 30,   June 30,
      2017       2016       2017       2016  
                                 
    (Unaudited)   (Unaudited)
INTEREST INCOME:                
Interest and fees on loans:                
Taxable   $ 10,260     $ 8,684     $ 20,217     $ 16,644  
Tax-exempt     19       13       52       15  
Interest on securities:                
Taxable     396       304       795       566  
Tax-exempt     75       26       154       57  
Other interest income     116       66       244       121  
Total interest income     10,866       9,093       21,462       17,403  
                 
INTEREST EXPENSE:                
Deposits     1,054       771       2,013       1,540  
Borrowings     493       326       964       579  
Total interest expense     1,547       1,097       2,977       2,119  
                 
Net interest income     9,319       7,996       18,485       15,284  
Provision for loan losses     50       150       200       150  
Net interest income after provision for loan losses     9,269       7,846       18,285       15,134  
                 
OTHER INCOME:                
Deposit service fees     268       248       540       464  
Income from loans sold on the secondary market     316       339       614       606  
SBA/USDA loan sale gains     89       166       149       166  
Mortgage servicing income     (9 )     (8 )     (17 )     (62 )
Net security gains     -       12       -       109  
Other     131       139       285       240  
Total other income     795       896       1,571       1,523  
                 
OTHER EXPENSE:                
Salaries and employee benefits     3,658       3,519       7,455       6,906  
Occupancy     776       640       1,561       1,280  
Furniture and equipment     544       425       1,025       808  
Data processing     489       333       950       678  
Advertising     174       181       297       337  
Professional service fees     405       257       726       498  
Loan and deposit     155       155       334       282  
Writedowns and losses on other real estate held for sale     243       (14 )     255       2  
FDIC insurance assessment     189       117       346       225  
Telephone     134       122       291       234  
Transaction related expenses     -       2,449       -       2,516  
Other     750       709       1,454       1,325  
Total other expenses     7,517       8,893       14,694       15,091  
                 
Income before provision for income taxes     2,547       (151 )     5,162       1,566  
Provision for income taxes     867       (26 )     1,756       559  
                 
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS     1,680       (125 )     3,406       1,007  
                 
                 
INCOME PER COMMON SHARE:                
Basic   $ .27     $ (.02 )   $ .54     $ .16  
Diluted   $ .27     $ (.02 )   $ .54     $ .16  
                 

MACKINAC FINANCIAL CORPORATION AND SUBSIDIARIES 
LOAN PORTFOLIO AND CREDIT QUALITY
 
(Dollars in thousands)
 
Loan Portfolio Balances (at end of period):
 
  June 30,   December 31,   June 30,
    2017     2016     2016
  (Unaudited)   (Unaudited)   (Unaudited)
Commercial Loans:          
Real estate - operators of nonresidential buildings $ 114,129   $ 121,861   $ 111,523
Hospitality and tourism   73,109     68,025     48,295
Lessors of residential buildings   30,719     27,590     26,662
Gasoline stations and convenience stores   19,903     20,509     20,582
Logging   18,143     19,903     19,203
Commercial construction   10,145     11,505     18,576
Other   293,240     274,180     258,667
Total Commercial Loans   559,388     543,573     503,508
           
1-4 family residential real estate   200,771     205,945     194,167
Consumer   19,059     20,113     16,120
Consumer construction   11,535     12,226     11,840
           
Total Loans $ 790,753   $ 781,857   $ 725,635
           

Credit Quality (at end of period):  
   
  June 30,   December 31,   June 30,  
    2017     2016     2016  
  (Unaudited)   (Unaudited)   (Unaudited)  
Nonperforming Assets :            
Nonaccrual loans $ 3,644   $ 3,959   $ 3,177  
Loans past due 90 days or more   -     -     -  
Restructured loans   104     165     144  
Total nonperforming loans   3,748     4,124     3,321  
Other real estate owned   4,050     4,782     3,492  
Total nonperforming assets $ 7,798   $ 8,906   $ 6,813  
Nonperforming loans as a % of loans .47 % .53 % .46 %
Nonperforming assets as a % of assets .76 % .91 % .76 %
Reserve for Loan Losses:            
At period end $ 5,133   $ 5,020   $ 4,733  
As a % of average loans .65 % .64 % .73 %
As a % of nonperforming loans   136.95 %   121.73 %   142.52 %
As a % of nonaccrual loans   140.86 %   126.80 %   148.98 %
Texas Ratio   9.91 %   11.76 %   9.13 %
             
Charge-off Information (year to date):            
Average loans $ 784,823   $ 703,047   $ 652,573  
Net charge-offs (recoveries) $ 88   $ 584   $ 421  
Charge-offs as a % of average            
loans, annualized .02 % .08 % .13 %
             

MACKINAC FINANCIAL CORPORATION AND SUBSIDIARIES  
QUARTERLY FINANCIAL HIGHLIGHTS  
                     
  QUARTER ENDED  
  (Unaudited)  
  June 30   March 31   December 31   September 30   June 30,  
    2017       2017       2016       2016       2016    
BALANCE SHEET (Dollars in thousands)                    
                     
Total loans $ 790,753     $ 786,546     $ 781,857     $ 756,804     $ 725,635    
Allowance for loan losses   (5,133 )     (5,146 )     (5,020 )     (4,862 )     (4,733 )  
Total loans, net   785,620       781,400       776,837       751,942       720,902    
Total assets   1,027,450       976,635       983,520       959,121       892,328    
Core deposits   621,303       633,160       650,745       660,867       579,606    
Noncore deposits   226,942       188,660       172,767       146,313       158,757    
Total deposits   848,245       821,820       823,512       807,180       738,363    
Total borrowings   92,024       66,279       67,579       67,730       70,604    
Total shareholders' equity   81,313       80,009       78,609       78,285       77,081    
Total tangible equity   73,572       72,205       70,743       70,356       69,916    
Total shares outstanding   6,294,930       6,294,930       6,263,371       6,263,371       6,226,246    
Weighted average shares outstanding   6,294,930       6,270,034       6,263,371       6,238,756       6,227,730    
                     
AVERAGE BALANCES (Dollars in thousands)                    
                     
Assets $ 984,236     $ 980,491     $ 958,781     $ 930,353     $ 834,674    
Loans   787,143       782,477       771,279       734,702       689,462    
Deposits   820,375       825,309       800,508       780,265       679,183    
Equity   81,013       79,293       78,406       78,027       79,481    
                     
INCOME STATEMENT (Dollars in thousands)                    
                     
Net interest income $ 9,319     $ 9,166     $ 9,118     $ 8,696     $ 7,996    
Provision for loan losses   50       150       250       200       150    
Net interest income after provision   9,269       9,016       8,868       8,496       7,846    
Total noninterest income   795       776       1,141       1,489       896    
Total noninterest expense   7,517       7,177       7,509       7,285       8,893    
Income before taxes   2,547       2,615       2,500       2,700       (151 )  
Provision for income taxes   867       889       802       922       (26 )  
Net income available to common shareholders $ 1,680     $ 1,726     $ 1,698     $ 1,778     $ (125 )  
Income pre-tax, pre-provision $ 2,597     $ 2,765     $ 2,750     $ 2,900     $ (1 )  
                     
PER SHARE DATA                    
                     
Earnings $ .27     $ .28     $ .27     $ .29     $ (.02 )  
Book value  per common share   12.92       12.71       12.55       12.50       12.38    
Tangible book value per share   11.69       11.47       11.29       11.23       11.23    
Market value, closing price   13.99       13.72       13.47       11.49       11.01    
Dividends per share   .120       .120       .100       .100       .100    
                                         
ASSET QUALITY RATIOS                                        
                                         
Nonperforming loans/total loans   .47   %   .47   %   .53   %   .62   %   .46   %
Nonperforming assets/total assets   .76       .84       .91       .83       .76    
Allowance for loan losses/total loans   .65       .65       .64       .64       .65    
Allowance for loan losses/nonperforming loans   136.95       137.96       121.73       104.13       142.52    
Texas ratio   9.91       10.60       11.76       10.55       9.13    
                     
PROFITABILITY RATIOS                    
                     
Return on average assets   .68   %   .71   %   .70   %   .76   %   (.06 ) %
Return on average equity   8.32       8.83       8.62       9.06       (.63 )  
Net interest margin   4.24       4.19       4.14       4.18       4.19    
Average loans/average deposits   95.95       94.81       96.35       94.16       101.51    
                     
CAPITAL ADEQUACY RATIOS                    
                     
Tier 1 leverage ratio   7.02   %   6.77   %   7.18   %   7.29   %   7.68   %
Tier 1 capital to risk weighted assets   8.57       8.49       8.80       8.22       8.76    
Total capital to risk weighted assets   9.21       9.15       9.45       8.81       9.39    
Average equity/average assets (for the quarter)   8.23       8.09       8.18       8.39       9.52    
Tangible equity/tangible assets (at quarter end)   7.22       7.45       7.25       7.40       7.90    

Contact:Paul D. Tobias, (248) 290-5901 / ptobias@bankmbank.comJesse A. Deering, (248) 290-5906 /jdeering@bankmbank.comWebsite: www.bankmbank.com

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