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

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Balance Sheet ($000)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves644,433557,65915.56619,35216.20
Loans Held for Sale, before Reserves4,4347,516(41.01)5,865(97.60)
Loan Loss Reserve7,7256,99010.527,32022.13
Net Loans Receivable641,142558,18514.86617,89715.05
Intangible Assets16,42216,435(0.08)16,426(0.10)
Total Assets816,005733,07111.31801,8007.09
Deposits673,073586,45314.77662,1446.60
Debt, Senior and Subordinated47,34257,716(17.97)44,67323.90
Common Equity72,56567,2587.8972,2801.58
Total Shareholders' Equity86,54881,2416.5386,2631.32
Shares Outstanding (actual)4,844,0004,890,886(0.96)4,859,913(1.31)
Income Statement ($000)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Net Interest Income6,6475,97611.236,671(1.44)
Provision for Loan Losses500150233.330NM
Noninterest Income5,1283,71638.004,95613.88
Noninterest Expense7,8596,83914.917,930(3.58)
Net Income Before Taxes3,4162,70326.383,756(36.21)
Provision for Taxes1,09883531.501,209(36.72)
Net Income2,3171,86824.042,547(36.12)
Per Share Items ($)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Book Value per Share14.9813.758.9314.872.90
Tangible Book Value11.5910.3911.5411.493.39
Diluted EPS Before Extra0.370.2927.590.40(30.00)
Diluted EPS After Extra0.370.2927.590.40(30.00)
Dividends Declared0.06500.055018.180.060033.33
Performance Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
ROAA1.141.02121.28(14)
ROAE10.729.2314911.90(118)
Net Interest Margin3.693.76(7)3.82(13)
Loans / Deposits95.7495.096593.54221
Efficiency Ratio66.7270.18(346)67.83(111)
Balance Sheet Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.779.04(27)8.89(12)
Equity/ Assets10.6111.08(48)10.76(15)
Asset Quality Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.651.15(50)0.578
Loan Loss Reserves/ Gross Loans1.191.24(5)1.172
Loan Loss Reserves/ NPAs145.1882.906,228160.88(1,570)
Net Charge-offs/ Avg Loans0.060.17(11)0.08(2)
Regulatory Capital Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNANANANANA
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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