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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 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves651,589604,7767.74626,72215.87
Loans Held for Sale, before Reserves9,4378,44111.805,104339.58
Loan Loss Reserve7,8257,4505.037,6797.61
Net Loans Receivable653,201605,7677.83624,14718.62
Intangible Assets16,41716,429(0.07)16,419(0.05)
Total Assets847,668793,1636.87846,8480.39
Deposits707,333648,3009.11712,915(3.13)
Debt, Senior and Subordinated41,98551,107(17.85)37,60646.58
Common Equity75,04870,9675.7574,0455.42
Total Shareholders' Equity89,03184,9504.8088,0284.56
Shares Outstanding (actual)4,806,5404,891,671(1.74)4,873,000(5.46)
Income Statement ($000)
 2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Net Interest Income6,9636,4238.416,50628.10
Provision for Loan Losses2000NM0NM
Noninterest Income4,4624,2155.863,80269.44
Noninterest Expense7,8067,4075.397,38222.97
Net Income Before Taxes3,4193,3232.892,92667.40
Provision for Taxes1,1021,0584.1693372.45
Net Income2,3172,2652.301,99365.03
Per Share Items ($)
 2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Book Value per Share15.6114.517.6215.1911.02
Tangible Book Value12.2011.159.4111.8312.60
Diluted EPS Before Extra0.370.355.710.3177.42
Diluted EPS After Extra0.370.355.710.3177.42
Dividends Declared0.07000.060016.670.065030.77
Performance Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
ROAA1.091.15(6)0.9613
ROAE10.4510.80(35)9.13132
Net Interest Margin3.733.75(2)3.5914
Loans / Deposits92.1293.29(117)87.91421
Efficiency Ratio68.3069.00(70)71.59(329)
Balance Sheet Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.748.82(9)8.6211
Equity/ Assets10.5010.71(21)10.3911
Asset Quality Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.461.04(58)0.56(10)
Loan Loss Reserves/ Gross Loans1.181.21(3)1.22(3)
Loan Loss Reserves/ NPAs200.1390.5110,962162.863,726
Net Charge-offs/ Avg Loans0.03(0.16)200.030
Regulatory Capital Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 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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