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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)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves675,075619,3529.00651,58914.42
Loans Held for Sale, before Reserves7,6635,86530.669,437(75.19)
Loan Loss Reserve7,7607,3206.017,825(3.32)
Net Loans Receivable674,978617,8979.24653,20113.34
Intangible Assets16,41416,426(0.07)16,417(0.07)
Total Assets860,462801,8007.32847,6686.04
Deposits716,807662,1448.26707,3335.36
Debt, Senior and Subordinated42,15344,673(5.64)41,9851.60
Common Equity76,92672,2806.4375,04810.01
Total Shareholders' Equity90,90986,2635.3989,0318.44
Shares Outstanding (actual)4,788,0004,859,913(1.48)4,806,540(1.54)
Income Statement ($000)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Net Interest Income7,2636,6718.876,96317.23
Provision for Loan Losses000.00200NM
Noninterest Income4,7424,956(4.32)4,46225.10
Noninterest Expense8,2847,9304.467,80624.49
Net Income Before Taxes3,8403,7562.243,41949.25
Provision for Taxes1,1171,209(7.61)1,1025.44
Net Income2,7232,5476.912,31770.09
Per Share Items ($)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Book Value per Share16.0714.878.0315.6111.60
Tangible Book Value12.6411.499.9712.2014.43
Diluted EPS Before Extra0.430.407.500.3764.86
Diluted EPS After Extra0.430.407.500.3764.86
Dividends Declared0.07000.060016.670.07000.00
Performance Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
ROAA1.271.28(1)1.0918
ROAE12.1111.902110.46165
Net Interest Margin3.813.82(1)3.738
Loans / Deposits94.1893.546492.12206
Efficiency Ratio68.3067.834768.300
Balance Sheet Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.838.89(7)8.749
Equity/ Assets10.5710.76(19)10.506
Asset Quality Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.430.57(14)0.46(3)
Loan Loss Reserves/ Gross Loans1.141.17(3)1.18(5)
Loan Loss Reserves/ NPAs207.88160.884,700200.13775
Net Charge-offs/ Avg Loans0.040.08(5)0.031
Regulatory Capital Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-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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