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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)
 2020 Q12019 Q1Y-Y
Ch (%)
2019 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves830,764782,5236.16825,5102.55
Loans Held for Sale, before Reserves11,3284,346160.657,258224.30
Loan Loss Reserve8,9588,12110.318,7559.27
Net Loans Receivable833,134778,7486.98824,0134.43
Intangible Assets17,83017,838(0.04)17,832(0.04)
Total Assets1,088,3131,021,2716.561,038,57719.16
Deposits863,891827,6584.38840,21911.27
Debt, Senior and Subordinated63,19146,86534.8439,503239.86
Common Equity135,905117,52815.64136,094(0.56)
Total Shareholders' Equity135,905131,5063.35136,094(0.56)
Shares Outstanding (actual)7,747,0306,460,14419.927,762,927(0.82)
Income Statement ($000)
 2020 Q12019 Q1Y-Y
Ch (%)
2019 Q4Q-Q
Ch (%)
Net Interest Income8,5488,3402.498,596(2.23)
Provision for Loan Losses6000NM300400.00
Noninterest Income2,1613,000(27.97)5,959(254.94)
Noninterest Expense9,4068,6269.0410,176(30.27)
Net Income Before Taxes7032,714(74.10)4,079(331.06)
Provision for Taxes22488(95.49)721(387.79)
Net Income6812,226(69.41)3,358(318.88)
Per Share Items ($)
 2020 Q12019 Q1Y-Y
Ch (%)
2019 Q4Q-Q
Ch (%)
Book Value per Share17.5418.19(3.57)17.530.26
Tangible Book Value15.2415.43(1.23)15.230.19
Diluted EPS Before Extra0.090.28(67.86)0.42(314.29)
Diluted EPS After Extra0.090.28(67.86)0.42(314.29)
Dividends Declared0.09500.085011.760.09500.00
Performance Ratios (%)
 2020 Q12019 Q1Y-Y
Ch (bp)
2019 Q4Q-Q
Ch (bp)
ROAA0.260.89(63)1.28(102)
ROAE1.996.76(477)9.93(794)
Net Interest Margin3.483.81(33)3.70(22)
Loans / Deposits96.1794.5516298.25(208)
Efficiency Ratio87.8176.051,17669.901,791
Balance Sheet Ratios (%)
 2020 Q12019 Q1Y-Y
Ch (bp)
2019 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets11.0311.33(30)11.59(56)
Equity/ Assets12.4912.88(39)13.10(62)
Asset Quality Ratios (%)
 2020 Q12019 Q1Y-Y
Ch (bp)
2019 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.610.42190.64(3)
Loan Loss Reserves/ Gross Loans1.061.0331.051
Loan Loss Reserves/ NPAs134.04189.48(5,544)131.08296
Net Charge-offs/ Avg Loans0.190.02170.0217
Regulatory Capital Ratios (%)
 2020 Q12019 Q1Y-Y
Ch (bp)
2019 Q4Q-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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