What are Mbt Financial's Business Segments?
The Company separates its loan portfolio into segments to perform the calculation
and analysis of the allowance for loan losses. The six segments analyzed are Agriculture
and Agricultural Real Estate, Commercial, Commercial Real Estate, Construction
Real Estate, Residential Real Estate, and Consumer and Other. The Agriculture
and Agricultural Real Estate segment includes all loans to finance agricultural
production and all loans secured by agricultural real estate. This segment does
not include loans to finance agriculture that are secured by residential real
estate, which are included in the Residential Real Estate segment. The Commercial
segment includes loans to finance commercial and industrial businesses that are
not secured by real estate. The Commercial Real Estate segment includes loans
secured by non-farm, non-residential real estate. The Construction Real Estate
segment includes loans to finance construction and land development.
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