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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)
 2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves771,883696,61510.80771,6980.10
Loans Held for Sale, before Reserves4,4453,94012.826,888(141.87)
Loan Loss Reserve8,1677,9302.998,489(15.17)
Net Loans Receivable768,161692,62510.91770,097(1.01)
Intangible Assets16,40116,411(0.06)16,404(0.07)
Total Assets986,828876,62712.57979,1803.12
Deposits802,552729,60010.00789,4266.65
Debt, Senior and Subordinated41,49443,892(5.46)50,349(70.35)
Common Equity116,45680,01745.54113,13011.76
Total Shareholders' Equity130,43594,00038.76127,10910.47
Shares Outstanding (actual)6,503,2504,792,64635.696,503,0000.02
Income Statement ($000)
 2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Net Interest Income8,6147,65412.548,5293.99
Provision for Loan Losses0200NM00.00
Noninterest Income3,9304,092(3.96)4,132(19.55)
Noninterest Expense8,8528,1069.208,7892.87
Net Income Before Taxes3,6913,4407.303,942(25.47)
Provision for Taxes732(592)NM824(44.66)
Net Income2,9604,032(26.59)3,118(20.27)
Per Share Items ($)
 2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Book Value per Share17.9116.707.2617.4011.74
Tangible Book Value15.3913.2715.9314.8713.75
Diluted EPS Before Extra0.370.64(42.19)0.39(20.51)
Diluted EPS After Extra0.370.64(42.19)0.39(20.51)
Dividends Declared0.08500.075013.330.080025.00
Performance Ratios (%)
 2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
ROAA1.191.83(64)1.30(11)
ROAE9.2117.52(831)9.89(68)
Net Interest Margin3.953.96(1)3.96(1)
Loans / Deposits96.1895.487097.75(158)
Efficiency Ratio70.5568.9915669.01154
Balance Sheet Ratios (%)
 2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets11.759.0227311.5025
Equity/ Assets13.2210.7224912.9824
Asset Quality Ratios (%)
 2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.400.44(4)0.355
Loan Loss Reserves/ Gross Loans1.051.13(8)1.09(4)
Loan Loss Reserves/ NPAs205.98205.4948247.78(4,180)
Net Charge-offs/ Avg Loans0.170.02150.0016
Regulatory Capital Ratios (%)
 2018 Q42017 Q4Y-Y
Ch (bp)
2018 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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