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Financial Highlights Report

Financial Highlights
2019 FQ4
12/31/2019
2018 FQ4
12/31/2018
Y-Y Ch (%)
2019 FQ3
9/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 2,001,657 1,795,703 11.47 1,934,259 13.94
Total Net Loans 1,618,579 1,466,000 10.41 1,553,860 16.66
Total Deposits 1,525,041 1,353,939 12.64 1,526,856 (0.48)
Equity Attributable to Parent Company 199,229 185,444 7.43 196,079 6.43
Total Equity 199,229 185,444 7.43 196,079 6.43
Profitability (%)
Net Income($000) 5,331 2,353 126.56 5,145 14.46
Net Income Attributable to Parent($000) 5,331 2,353 126.56 5,145 14.46
ROAA 1.09 0.62 47 bp 1.08 1 bp
Core ROAA 1.03 0.97 6 bp 1.08 (5) bp
ROAE 10.77 6 477 bp 10.56 21 bp
ROATCE 12.82 7.44 538 bp 12.62 20 bp
Core ROAE 10.15 9.41 74 bp 10.58 (43) bp
Net Interest Margin 3.27 3.24 3 bp 3.29 (2) bp
Reported: Net Interest Margin 3.24 3.55 (31) bp 3.26 (2) bp
Efficiency Ratio 58.01 60.29 (228) bp 55.79 222 bp
Noninterest Inc/ Operating Rev 15.44 18.03 (259) bp 17.03 (159) bp
Balance Sheet Ratios (%)
Loans/ Deposits 106.81 108.92 (211) bp 102.41 440 bp
Securities/ Assets 11.43 11.03 40 bp 11.42 1 bp
Total Equity/ Total Assets 9.95 10.33 (38) bp 10.14 (19) bp
Tangible Equity/ Tangible Assets 8.63 8.83 (20) bp 8.76 (13) bp
Tang Common Equity/ Tang Assets 8.63 8.83 (20) bp 8.76 (13) bp
Asset Quality (%)
NPAs/ Assets 0.83 1.43 (60) bp 0.87 (4) bp
NPA Excl Restructured/ Assets 0.76 1.38 (62) bp 0.81 (5) bp
NPAs & 90+ PD/ Assets 0.83 1.43 (60) bp 0.87 (4) bp
NPAs/ Loans & REO 1.02 1.74 (72) bp 1.08 (6) bp
Nonaccrual & 90+ & OREO/ Assets 0.76 1.38 (62) bp 0.81 (5) bp
NPAs & 90+ PD/ Loans & REO 1.02 1.74 (72) bp 1.08 (6) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 9.23 15.63 (640) bp 9.54 (31) bp
NCOs/ Avg Loans 0.01 0.01 0 bp 0.13 (12) bp
Loan Loss Reserves/ Gross Loans 0.63 0.60 3 bp 0.62 1 bp
Reserves/ NPAs 61.61 34.07 2,754 bp 57.84 377 bp
Loan Loss Provision/ NCO NM NM NM 123.98 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) 9,357,994 9,532,943 (1.84) 9,258,347 4.31
Avg Diluted Shares(actual) 9,387,506 8,082,270 16.15 9,375,490 0.51
Basic Book Value per Share 21.29 19.45 9.46 21.18 2.08
Book Value per Share, As Reported 21.29 19.45 9.46 20.81 9.23
Basic Tangible Book Value per Share 18.19 16.36 11.19 18.03 3.55
Tangible Book Value per Share, As Reported 18.19 16.36 11.19 17.71 10.84
Common Dividends Declared per Share 0.09 0.08 0 0.09 0
EPS after Extra 0.57 0.29 96.55 0.55 14.55
EPS after Extra Growth(%) 96.60 480 (38,345) bp 34.10 6,240 bp
Core EPS 0.54 0.46 17.39 0.55 (7.27)
Core EPS Growth(%) 18.10 139.20 (12,112) bp 15.80 227 bp
Diluted EPS before Amortization 0.58 0.30 93.33 0.56 14.29
Pre-Provision Earnings per Share 0.62 0.50 24 0.63 (6.35)

   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.