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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 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves707,207626,72212.84696,6156.08
Loans Held for Sale, before Reserves8,8935,10474.243,940502.84
Loan Loss Reserve8,2197,6797.037,93014.58
Net Loans Receivable707,881624,14713.42692,6258.81
Intangible Assets16,40916,419(0.06)16,411(0.05)
Total Assets925,641846,8489.30876,62722.36
Deposits748,795712,9155.03729,60010.52
Debt, Senior and Subordinated43,31537,60615.1843,892(5.26)
Common Equity108,91674,04547.0980,017144.46
Total Shareholders' Equity122,89988,02839.6194,000122.97
Shares Outstanding (actual)6,483,0004,873,00033.044,792,646141.08
Income Statement ($000)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Net Interest Income7,7006,50618.357,6542.40
Provision for Loan Losses3000NM200200.00
Noninterest Income4,2433,80211.604,09214.76
Noninterest Expense8,4277,38214.168,10615.84
Net Income Before Taxes3,0162,9263.083,440(49.30)
Provision for Taxes563933(39.66)(592)NM
Net Income2,4531,99323.084,032(156.65)
Per Share Items ($)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Book Value per Share16.8015.1910.5616.702.50
Tangible Book Value14.2711.8320.6613.2730.07
Diluted EPS Before Extra0.350.3112.900.64(181.25)
Diluted EPS After Extra0.350.3112.900.64(181.25)
Dividends Declared0.07500.065015.380.07500.00
Performance Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
ROAA1.080.96121.83(75)
ROAE9.039.13(10)17.52(849)
Net Interest Margin3.863.59273.96(10)
Loans / Deposits94.4587.9165495.48(103)
Efficiency Ratio72.2271.596368.99323
Balance Sheet Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets11.718.623099.02269
Equity/ Assets13.2810.3928810.72255
Asset Quality Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.380.56(18)0.44(6)
Loan Loss Reserves/ Gross Loans1.151.22(7)1.132
Loan Loss Reserves/ NPAs234.43162.867,156205.492,893
Net Charge-offs/ Avg Loans0.010.03(2)0.02(1)
Regulatory Capital Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 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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