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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)
 2012Y2011Y2012/
2011
Ch (%)		2010Y2011/
2010
Ch (%)
Loans Held for Investment, before Reserves463,389442,5544.71427,5443.51
Loans Held for Sale, before Reserves6,1475,23817.359,055(42.15)
Loan Loss Reserve6,8116,5294.326,715(2.77)
Net Loans Receivable462,725441,2634.86429,8842.65
Intangible Assets17,90218,360(2.49)20,340(9.73)
Total Assets638,234628,6641.52660,288(4.79)
Deposits527,001518,7651.59515,6780.60
Debt, Senior and Subordinated53,65554,963(2.38)92,503(40.58)
Common Equity53,28447,93211.1746,0244.15
Total Shareholders' Equity53,28447,93211.1746,0244.15
Shares Outstanding (actual)4,861,7794,861,7790.004,861,7790.00
Income Statement ($000)
 2012Y2011Y2012/
2011
Ch (%)		2010Y2011/
2010
Ch (%)
Net Interest Income20,73220,7110.1019,9623.75
Provision for Loan Losses1,3501,994(32.30)10,588(81.17)
Noninterest Income14,67911,80024.4020,496(42.43)
Noninterest Expense27,61528,894(4.43)45,850(36.98)
Net Income Before Taxes6,7432,322190.40(22,116)NM
Provision for Taxes1,929658193.16(6,502)NM
Net Income4,8141,664189.30(15,613)NM
Per Share Items ($)
 2012Y2011Y2012/
2011
Ch (%)		2010Y2011/
2010
Ch (%)
Book Value per Share10.969.8611.179.474.15
Tangible Book Value7.286.0819.655.2815.14
Diluted EPS Before Extra0.990.34191.18(3.21)NM
Diluted EPS After Extra0.990.34191.18(3.21)NM
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
 2012Y2011Y2012/
2011
Ch (bp)		2010Y2011/
2010
Ch (bp)
ROAA0.750.2649(2.32)258
ROAE9.573.54603(27.26)3,080
Net Interest Margin3.763.81(5)3.6714
Loans / Deposits87.9385.3126282.91240
Efficiency Ratio74.4183.22(881)79.38384
Balance Sheet Ratios (%)
 2012Y2011Y2012/
2011
Ch (bp)		2010Y2011/
2010
Ch (bp)
Tangible Equity/ Tangible Assets5.704.85864.0183
Equity/ Assets8.357.62726.9765
Asset Quality Ratios (%)
 2012Y2011Y2012/
2011
Ch (bp)		2010Y2011/
2010
Ch (bp)
Nonperforming Assets/ Assets1.401.60(20)2.26(66)
Loan Loss Reserves/ Gross Loans1.451.46(1)1.54(8)
Loan Loss Reserves/ NPAs76.2764.871,14044.981,989
Net Charge-offs/ Avg Loans0.230.50(26)2.43(194)
Regulatory Capital Ratios (%)
 2012Y2011Y2012/
2011
Ch (bp)		2010Y2011/
2010
Ch (bp)
Tier 1 Capital Ratio9.668.78889.78(100)

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