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Financial Highlights Report

Financial Highlights
2018 FQ4
12/31/2018
2017 FQ4
12/31/2017
Y-Y Ch (%)
2018 FQ3
9/30/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 1,796,827 979,383 83.47 1,459,642 92.40
Total Net Loans 1,466,000 813,365 80.24 1,163,144 104.15
Total Deposits 1,353,939 762,491 77.57 1,114,646 85.87
Equity Attributable to Parent Company 185,383 94,193 96.81 151,222 90.36
Total Equity 185,383 94,193 96.81 151,222 90.36
Profitability (%)
Net Income($000) 2,353 513 358.67 3,270 (112.17)
Net Income Attributable to Parent($000) 2,353 513 358.67 3,270 (112.17)
ROAA 0.62 0.21 41 bp 0.91 (29) bp
Core ROAA 0.97 0.81 16 bp 1.05 (8) bp
ROAE 6 2.16 384 bp 8.67 (267) bp
ROATCE 7.44 2.22 522 bp 10.63 (319) bp
Core ROAE 9.41 8.21 120 bp 10.06 (65) bp
Net Interest Margin 3.24 3.48 (24) bp 3.31 (7) bp
Reported: Net Interest Margin 3.21 3.46 (25) bp 3.29 (8) bp
Efficiency Ratio 60.29 60.94 (65) bp 60.26 3 bp
Noninterest Inc/ Operating Rev 18.03 20.43 (240) bp 18.64 (61) bp
Balance Sheet Ratios (%)
Loans/ Deposits 108.92 107.63 129 bp 105.12 380 bp
Securities/ Assets 11.02 11.13 (11) bp 12.77 (175) bp
Total Equity/ Total Assets 10.32 9.62 70 bp 10.36 (4) bp
Tangible Equity/ Tangible Assets 8.82 9.36 (54) bp 8.74 8 bp
Tang Common Equity/ Tang Assets 8.82 9.36 (54) bp 8.74 8 bp
Asset Quality (%)
NPAs/ Assets 1.40 0.94 46 bp 1.60 (20) bp
NPA Excl Restructured/ Assets 1.35 0.85 50 bp 1.54 (19) bp
NPAs & 90+ PD/ Assets 1.40 0.94 46 bp 1.60 (20) bp
NPAs/ Loans & REO 1.71 1.12 59 bp 1.99 (28) bp
Nonaccrual & 90+ & OREO/ Assets 1.35 0.85 50 bp 1.54 (19) bp
NPAs & 90+ PD/ Loans & REO 1.71 1.12 59 bp 1.99 (28) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 15.31 9.35 596 bp 17.43 (212) bp
NCOs/ Avg Loans 0.01 0.31 (30) bp 0 1 bp
Loan Loss Reserves/ Gross Loans 0.60 0.89 (29) bp 0.73 (13) bp
Reserves/ NPAs 34.79 79.49 (4,470) bp 36.85 (206) bp
Loan Loss Provision/ NCO NM 73.32 NM 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) 9,532,943 6,040,564 57.82 7,959,489 79.07
Avg Diluted Shares(actual) 8,082,270 5,744,663 40.69 7,910,449 8.69
Basic Book Value per Share 19.45 15.59 24.76 19 9.47
Book Value per Share, As Reported 19.45 15.59 24.76 19.07 7.97
Basic Tangible Book Value per Share 16.36 15.13 8.13 15.73 16.02
Tangible Book Value per Share, As Reported 16.36 15.13 8.13 15.79 14.44
Common Dividends Declared per Share 0.08 0.06 33.33 0.08 0
EPS after Extra 0.29 0.05 480 0.41 (117.07)
EPS after Extra Growth(%) 480 (84.80) 56,485 bp 24.20 45,576 bp
Core EPS 0.46 0.19 142.11 0.48 (16.67)
Core EPS Growth(%) 139.20 (40.20) 17,940 bp 42.90 9,625 bp
Diluted EPS before Amortization 0.30 0.05 500 0.42 (114.29)
Pre-Provision Earnings per Share 0.50 0.24 108.33 0.51 (7.84)

   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.