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SB FINANCIAL GROUP, INC. (NASDAQ - SBFG) 
Trend Analysis--Annual (click here for Quarterly Analysis)

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Balance Sheet ($000)
 2017Y2016Y2017/
2016
Ch (%)
2015Y2016/
2015
Ch (%)
Loans Held for Investment, before Reserves696,615644,4338.10557,65915.56
Loans Held for Sale, before Reserves3,9404,434(11.14)7,516(41.01)
Loan Loss Reserve7,9307,7252.656,99010.52
Net Loans Receivable692,625641,1428.03558,18514.86
Intangible Assets16,41116,422(0.07)16,435(0.08)
Total Assets876,627816,0057.43733,07111.31
Deposits729,600673,0738.40586,45314.77
Debt, Senior and Subordinated43,89247,342(7.29)57,716(17.97)
Common Equity80,01772,56510.2767,2587.89
Total Shareholders' Equity94,00086,5488.6181,2416.53
Shares Outstanding (actual)4,792,6464,844,079(1.06)4,890,886(0.96)
Income Statement ($000)
 2017Y2016Y2017/
2016
Ch (%)
2015Y2016/
2015
Ch (%)
Net Interest Income28,38625,8539.8023,34310.75
Provision for Loan Losses400750(46.67)1,100(31.82)
Noninterest Income17,09817,627(3.00)15,70712.22
Noninterest Expense31,57830,0914.9426,92711.75
Net Income Before Taxes13,62512,9015.6111,02317.04
Provision for Taxes2,5604,117(37.82)3,40420.95
Net Income11,0658,78425.977,61915.29
Per Share Items ($)
 2017Y2016Y2017/
2016
Ch (%)
2015Y2016/
2015
Ch (%)
Book Value per Share16.7014.9811.4513.758.93
Tangible Book Value13.2711.5914.5110.3911.54
Diluted EPS Before Extra1.481.387.251.1915.97
Diluted EPS After Extra1.481.387.251.1915.97
Dividends Declared0.28000.240016.670.200020.00
Performance Ratios (%)
 2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
ROAA1.291.11181.065
ROAE12.3610.391979.6970
Net Interest Margin3.783.7533.78(3)
Loans / Deposits95.4895.74(27)95.0965
Efficiency Ratio69.2268.764668.4432
Balance Sheet Ratios (%)
 2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
Tangible Equity/ Tangible Assets9.028.77259.04(27)
Equity/ Assets10.7210.611211.08(48)
Asset Quality Ratios (%)
 2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
Nonperforming Assets/ Assets0.440.65(21)1.15(50)
Loan Loss Reserves/ Gross Loans1.131.19(6)1.24(5)
Loan Loss Reserves/ NPAs205.49145.186,03182.906,228
Net Charge-offs/ Avg Loans0.030.0030.17(16)
Regulatory Capital Ratios (%)
 2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
Tier 1 Capital RatioNANANANANA

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