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Financial Highlights Report

Financial Highlights
2020 FQ1
3/31/2020
2019 FQ1
3/31/2019
Y-Y Ch (%)
2019 FQ4
12/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 2,080,236 1,840,129 13.05 2,001,657 15.70
Total Net Loans 1,674,271 1,504,455 11.29 1,618,579 13.76
Total Deposits 1,598,551 1,461,324 9.39 1,525,041 19.28
Equity Attributable to Parent Company 194,914 189,695 2.75 199,229 (8.66)
Total Equity 194,914 189,695 2.75 199,229 (8.66)
Profitability (%)
Net Income($000) 5,128 5,823 (11.94) 5,331 (15.23)
Net Income Attributable to Parent($000) 5,128 5,823 (11.94) 5,331 (15.23)
ROAA 1.01 1.28 (27) bp 1.09 (8) bp
Core ROAA 1.08 1.29 (21) bp 1.03 5 bp
ROAE 10.15 12.39 (224) bp 10.77 (62) bp
ROATCE 12.02 14.88 (286) bp 12.82 (80) bp
Core ROAE 10.79 12.56 (177) bp 10.15 64 bp
Net Interest Margin 3.19 3.41 (22) bp 3.27 (8) bp
Reported: Net Interest Margin 3.21 3.46 (25) bp 3.24 (3) bp
Efficiency Ratio 57.46 54.71 275 bp 58.01 (55) bp
Noninterest Inc/ Operating Rev 19.52 20.10 (58) bp 15.44 408 bp
Balance Sheet Ratios (%)
Loans/ Deposits 105.42 103.58 184 bp 106.81 (139) bp
Securities/ Assets 12.07 11.16 91 bp 11.43 64 bp
Total Equity/ Total Assets 9.37 10.31 (94) bp 9.95 (58) bp
Tangible Equity/ Tangible Assets 8.09 8.86 (77) bp 8.63 (54) bp
Tang Common Equity/ Tang Assets 8.09 8.86 (77) bp 8.63 (54) bp
Asset Quality (%)
NPAs/ Assets 0.85 1.35 (50) bp 0.83 2 bp
NPA Excl Restructured/ Assets 0.78 1.30 (52) bp 0.76 2 bp
NPAs & 90+ PD/ Assets 0.85 1.35 (50) bp 0.83 2 bp
NPAs/ Loans & REO 1.04 1.64 (60) bp 1.02 2 bp
Nonaccrual & 90+ & OREO/ Assets 0.78 1.30 (52) bp 0.76 2 bp
NPAs & 90+ PD/ Loans & REO 1.04 1.64 (60) bp 1.02 2 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 9.96 14.69 (473) bp 9.23 73 bp
NCOs/ Avg Loans 0.07 0.04 3 bp 0.01 6 bp
Loan Loss Reserves/ Gross Loans 0.64 0.61 3 bp 0.63 1 bp
Reserves/ NPAs 61.72 36.89 2,483 bp 61.61 11 bp
Loan Loss Provision/ NCO 315.05 366.03 (5,098) bp NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA NA
Tier 1 Capital($000) NA NA NA NA NA
Tier 2 Capital($000) NA NA NA NA NA
Total Capital($000) NA NA NA NA NA
Total Risk-weighted Assets($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) NA NA NA NA NA
Total Capital Ratio(%) NA NA NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 9,417,933 9,470,730 (0.56) 9,357,994 2.56
Avg Diluted Shares(actual) 9,304,617 9,460,118 (1.64) 9,387,506 (3.53)
Basic Book Value per Share 20.70 20.03 3.34 21.29 (11.09)
Book Value per Share, As Reported 20.70 20.03 3.34 21.29 (11.09)
Basic Tangible Book Value per Share 17.62 16.93 4.08 18.19 (12.53)
Tangible Book Value per Share, As Reported 17.62 16.93 4.08 18.19 (12.53)
Common Dividends Declared per Share 0.09 0.08 0 0.09 0
EPS after Extra 0.55 0.62 (11.29) 0.57 (14.04)
EPS after Extra Growth(%) (11.30) 264.70 (27,600) bp 96.60 (10,784) bp
Core EPS 0.58 0.63 (7.94) 0.54 29.63
Core EPS Growth(%) (7) 22.20 (2,923) bp 18.10 (2,508) bp
Diluted EPS before Amortization 0.56 0.63 (11.11) 0.58 (13.79)
Pre-Provision Earnings per Share 0.66 0.66 0 0.62 25.81

   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.


Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.