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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)
 2018Y2017Y2018/
2017
Ch (%)
2016Y2017/
2016
Ch (%)
Loans Held for Investment, before Reserves771,883696,61510.80644,4338.10
Loans Held for Sale, before Reserves4,4453,94012.824,434(11.14)
Loan Loss Reserve8,1677,9302.997,7252.65
Net Loans Receivable768,161692,62510.91641,1428.03
Intangible Assets16,40116,411(0.06)16,422(0.07)
Total Assets986,828876,62712.57816,0057.43
Deposits802,552729,60010.00673,0738.40
Debt, Senior and Subordinated41,49443,892(5.46)47,342(7.29)
Common Equity116,45680,01745.5472,56510.27
Total Shareholders' Equity130,43594,00038.7686,5488.61
Shares Outstanding (actual)6,503,2504,792,64635.694,844,079(1.06)
Income Statement ($000)
 2018Y2017Y2018/
2017
Ch (%)
2016Y2017/
2016
Ch (%)
Net Interest Income33,26728,38617.2025,8539.80
Provision for Loan Losses60040050.00750(46.67)
Noninterest Income16,55417,098(3.18)17,627(3.00)
Noninterest Expense34,64731,5789.7230,0914.94
Net Income Before Taxes14,44413,6256.0112,9015.61
Provision for Taxes2,8062,5609.614,117(37.82)
Net Income11,63811,0655.188,78425.97
Per Share Items ($)
 2018Y2017Y2018/
2017
Ch (%)
2016Y2017/
2016
Ch (%)
Book Value per Share17.9116.707.2614.9811.45
Tangible Book Value15.3913.2715.9311.5914.51
Diluted EPS Before Extra1.511.482.031.387.25
Diluted EPS After Extra1.511.482.031.387.25
Dividends Declared0.32000.280014.290.240016.67
Performance Ratios (%)
 2018Y2017Y2018/
2017
Ch (bp)
2016Y2017/
2016
Ch (bp)
ROAA1.231.29(6)1.1118
ROAE9.6112.36(275)10.39197
Net Interest Margin3.953.78173.753
Loans / Deposits96.1895.487095.74(27)
Efficiency Ratio69.8369.226168.7646
Balance Sheet Ratios (%)
 2018Y2017Y2018/
2017
Ch (bp)
2016Y2017/
2016
Ch (bp)
Tangible Equity/ Tangible Assets11.759.022738.7725
Equity/ Assets13.2210.7224910.6112
Asset Quality Ratios (%)
 2018Y2017Y2018/
2017
Ch (bp)
2016Y2017/
2016
Ch (bp)
Nonperforming Assets/ Assets0.400.44(4)0.65(21)
Loan Loss Reserves/ Gross Loans1.051.13(8)1.19(6)
Loan Loss Reserves/ NPAs205.98205.4948145.186,031
Net Charge-offs/ Avg Loans0.050.0320.003
Regulatory Capital Ratios (%)
 2018Y2017Y2018/
2017
Ch (bp)
2016Y2017/
2016
Ch (bp)
Tier 1 Capital RatioNANANANANA

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