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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)
 2019 Q22018 Q2Y-Y
Ch (%)
2019 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves814,509753,2858.13782,52316.35
Loans Held for Sale, before Reserves9,5797,55126.864,346481.64
Loan Loss Reserve8,3068,494(2.21)8,1219.11
Net Loans Receivable815,782752,3428.43778,74819.02
Intangible Assets17,83616,4068.7217,838(0.04)
Total Assets1,029,123944,7858.931,021,2713.08
Deposits839,374752,87911.49827,6585.66
Debt, Senior and Subordinated40,57855,001(26.22)46,865(53.66)
Common Equity119,959111,1217.95117,5288.27
Total Shareholders' Equity133,937125,1047.06131,5067.39
Shares Outstanding (actual)6,451,4996,502,000(0.78)6,460,144(0.54)
Income Statement ($000)
 2019 Q22018 Q2Y-Y
Ch (%)
2019 Q1Q-Q
Ch (%)
Net Interest Income8,8328,4244.848,34023.60
Provision for Loan Losses200300(33.33)0NM
Noninterest Income3,4854,249(17.98)3,00064.67
Noninterest Expense9,1088,5796.178,62622.35
Net Income Before Taxes3,2153,794(15.26)2,71473.84
Provision for Taxes588687(14.41)48881.97
Net Income2,6273,107(15.45)2,22672.06
Per Share Items ($)
 2019 Q22018 Q2Y-Y
Ch (%)
2019 Q1Q-Q
Ch (%)
Book Value per Share18.5917.098.8018.198.82
Tangible Book Value15.8314.578.6715.4310.31
Diluted EPS Before Extra0.330.40(17.50)0.2871.43
Diluted EPS After Extra0.330.40(17.50)0.2871.43
Dividends Declared0.09000.080012.500.085023.53
Performance Ratios (%)
 2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
ROAA1.031.35(32)0.8914
ROAE7.9210.02(210)6.76116
Net Interest Margin3.884.14(26)3.817
Loans / Deposits97.04100.05(302)94.55249
Efficiency Ratio72.7167.6750476.05(334)
Balance Sheet Ratios (%)
 2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets11.4811.71(23)11.3315
Equity/ Assets13.0113.24(23)12.8814
Asset Quality Ratios (%)
 2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.430.3490.421
Loan Loss Reserves/ Gross Loans1.011.12(11)1.03(2)
Loan Loss Reserves/ NPAs186.65262.32(7,567)189.48(283)
Net Charge-offs/ Avg Loans0.010.01(1)0.02(2)
Regulatory Capital Ratios (%)
 2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-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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