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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)
 2019Y2018Y2019/
2018
Ch (%)
2017Y2018/
2017
Ch (%)
Loans Held for Investment, before Reserves825,510771,8836.95696,61510.80
Loans Held for Sale, before Reserves7,2584,44563.283,94012.82
Loan Loss Reserve8,7558,1677.207,9302.99
Net Loans Receivable824,013768,1617.27692,62510.91
Intangible Assets17,83216,4018.7316,411(0.06)
Total Assets1,038,577986,8285.24876,62712.57
Deposits840,219802,5524.69729,60010.00
Debt, Senior and Subordinated39,50341,494(4.80)43,892(5.46)
Common Equity136,094116,45616.8680,01745.54
Total Shareholders' Equity136,094130,4354.3494,00038.76
Shares Outstanding (actual)7,762,9276,503,25019.374,792,64635.69
Income Statement ($000)
 2019Y2018Y2019/
2018
Ch (%)
2017Y2018/
2017
Ch (%)
Net Interest Income34,82633,2674.6928,38617.20
Provision for Loan Losses80060033.3340050.00
Noninterest Income17,81016,5547.5917,098(3.18)
Noninterest Expense37,41034,6477.9731,5789.72
Net Income Before Taxes14,63214,4441.3013,6256.01
Provision for Taxes2,6592,806(5.24)2,5609.61
Net Income11,97311,6382.8811,0655.18
Per Share Items ($)
 2019Y2018Y2019/
2018
Ch (%)
2017Y2018/
2017
Ch (%)
Book Value per Share17.5317.91(2.10)16.707.26
Tangible Book Value15.2315.39(0.98)13.2715.93
Diluted EPS Before Extra1.511.510.001.482.03
Diluted EPS After Extra1.511.510.001.482.03
Dividends Declared0.36000.320012.500.280014.29
Performance Ratios (%)
 2019Y2018Y2019/
2018
Ch (bp)
2017Y2018/
2017
Ch (bp)
ROAA1.161.23(7)1.29(6)
ROAE8.999.61(62)12.36(275)
Net Interest Margin3.823.95(13)3.7817
Loans / Deposits98.2596.1820795.4870
Efficiency Ratio70.7869.839569.2261
Balance Sheet Ratios (%)
 2019Y2018Y2019/
2018
Ch (bp)
2017Y2018/
2017
Ch (bp)
Tangible Equity/ Tangible Assets11.5911.75(17)9.02273
Equity/ Assets13.1013.22(11)10.72249
Asset Quality Ratios (%)
 2019Y2018Y2019/
2018
Ch (bp)
2017Y2018/
2017
Ch (bp)
Nonperforming Assets/ Assets0.640.40240.44(4)
Loan Loss Reserves/ Gross Loans1.051.0501.13(8)
Loan Loss Reserves/ NPAs131.08205.98(7,489)205.4948
Net Charge-offs/ Avg Loans0.030.05(2)0.032
Regulatory Capital Ratios (%)
 2019Y2018Y2019/
2018
Ch (bp)
2017Y2018/
2017
Ch (bp)
Tier 1 Capital RatioNANANANANA

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