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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 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves771,698675,07514.31753,2859.78
Loans Held for Sale, before Reserves6,8887,663(10.11)7,551(35.12)
Loan Loss Reserve8,4897,7609.398,494(0.24)
Net Loans Receivable770,097674,97814.09752,3429.44
Intangible Assets16,40416,414(0.06)16,406(0.05)
Total Assets979,180860,46213.80944,78514.56
Deposits789,426716,80710.13752,87919.42
Debt, Senior and Subordinated50,34942,15319.4455,001(33.83)
Common Equity113,13076,92647.06111,1217.23
Total Shareholders' Equity127,10990,90939.82125,1046.41
Shares Outstanding (actual)6,503,0004,788,00035.826,502,0000.06
Income Statement ($000)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Net Interest Income8,5297,26317.438,4244.99
Provision for Loan Losses000.00300NM
Noninterest Income4,1324,742(12.86)4,249(11.01)
Noninterest Expense8,7898,2846.108,5799.79
Net Income Before Taxes3,9423,8402.663,79415.60
Provision for Taxes8241,117(26.23)68779.77
Net Income3,1182,72314.513,1071.42
Per Share Items ($)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Book Value per Share17.4016.078.2817.097.17
Tangible Book Value14.8712.6417.6914.578.43
Diluted EPS Before Extra0.390.43(9.30)0.40(10.00)
Diluted EPS After Extra0.390.43(9.30)0.40(10.00)
Dividends Declared0.08000.070014.290.08000.00
Performance Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
ROAA1.301.2731.35(5)
ROAE9.8912.11(222)10.02(13)
Net Interest Margin3.963.81154.14(18)
Loans / Deposits97.7594.18358100.05(230)
Efficiency Ratio69.0168.307167.67134
Balance Sheet Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets11.508.8326711.71(21)
Equity/ Assets12.9810.5724213.24(26)
Asset Quality Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.350.43(8)0.341
Loan Loss Reserves/ Gross Loans1.091.14(5)1.12(3)
Loan Loss Reserves/ NPAs247.78207.883,991262.32(1,454)
Net Charge-offs/ Avg Loans0.000.04(4)0.01(1)
Regulatory Capital Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 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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