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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 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves626,722577,1348.59644,433(10.99)
Loans Held for Sale, before Reserves5,1046,890(25.92)4,43460.44
Loan Loss Reserve7,6797,2056.587,725(2.38)
Net Loans Receivable624,147576,8198.21641,142(10.60)
Intangible Assets16,41916,432(0.08)16,422(0.07)
Total Assets846,848774,8209.30816,00515.12
Deposits712,915638,02811.74673,07323.68
Debt, Senior and Subordinated37,60645,834(17.95)47,342(82.26)
Common Equity74,04569,0687.2172,5658.16
Total Shareholders' Equity88,02883,0515.9986,5486.84
Shares Outstanding (actual)4,873,0004,899,019(0.53)4,844,0792.39
Income Statement ($000)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Net Interest Income6,5066,1126.456,647(8.49)
Provision for Loan Losses0250NM500NM
Noninterest Income3,8023,32814.245,128(103.43)
Noninterest Expense7,3826,8957.067,859(24.28)
Net Income Before Taxes2,9262,40621.613,416(57.38)
Provision for Taxes93375124.231,099(60.42)
Net Income1,9931,65520.422,317(55.93)
Per Share Items ($)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Book Value per Share15.1914.107.7814.985.74
Tangible Book Value11.8310.7410.0611.598.13
Diluted EPS Before Extra0.310.2619.230.37(64.86)
Diluted EPS After Extra0.310.2619.230.37(64.86)
Dividends Declared0.06500.055018.180.06500.00
Performance Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
ROAA0.960.8791.14(18)
ROAE9.138.0311010.72(159)
Net Interest Margin3.593.75(16)3.69(10)
Loans / Deposits87.9190.46(255)95.74(784)
Efficiency Ratio71.5972.16(57)66.71488
Balance Sheet Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.628.78(16)8.77(15)
Equity/ Assets10.3910.72(32)10.61(21)
Asset Quality Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.561.09(53)0.65(9)
Loan Loss Reserves/ Gross Loans1.221.23(2)1.192
Loan Loss Reserves/ NPAs162.8685.047,782145.181,768
Net Charge-offs/ Avg Loans0.030.0200.06(3)
Regulatory Capital Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 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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