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Financial Highlights Report

Financial Highlights
2018 FQ3
9/30/2018
2017 FQ3
9/30/2017
Y-Y Ch (%)
2018 FQ2
6/30/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 1,459,642 956,802 52.55 1,437,302 6.22
Total Net Loans 1,163,144 787,622 47.68 1,128,282 12.36
Total Deposits 1,114,646 741,928 50.24 1,061,599 19.99
Equity Attributable to Parent Company 151,222 93,944 60.97 148,823 6.45
Total Equity 151,222 93,944 60.97 148,823 6.45
Profitability (%)
Net Income($000) 3,270 1,963 66.58 2,992 37.17
Net Income Attributable to Parent($000) 3,270 1,963 66.58 2,992 37.17
ROAA 0.91 0.84 7 bp 0.85 6 bp
Core ROAA 1.05 0.85 20 bp 1 5 bp
ROAE 8.67 8.40 27 bp 8.10 57 bp
ROATCE 10.63 8.66 197 bp 9.99 64 bp
Core ROAE 10.06 8.48 158 bp 9.53 53 bp
Net Interest Margin 3.31 3.45 (14) bp 3.42 (11) bp
Reported: Net Interest Margin 3.29 3.42 (13) bp 3.43 (14) bp
Efficiency Ratio 60.26 62.04 (178) bp 63.11 (285) bp
Noninterest Inc/ Operating Rev 18.64 21.34 (270) bp 20.52 (188) bp
Balance Sheet Ratios (%)
Loans/ Deposits 105.12 107.17 (205) bp 107.06 (194) bp
Securities/ Assets 12.77 11.93 84 bp 13.22 (45) bp
Total Equity/ Total Assets 10.36 9.82 54 bp 10.35 1 bp
Tangible Equity/ Tangible Assets 8.74 9.55 (81) bp 8.70 4 bp
Tang Common Equity/ Tang Assets 8.74 9.55 (81) bp 8.70 4 bp
Asset Quality (%)
NPAs/ Assets 1.60 1.03 57 bp 1.66 (6) bp
NPA Excl Restructured/ Assets 1.54 0.93 61 bp 1.53 1 bp
NPAs & 90+ PD/ Assets 1.60 1.03 57 bp 1.66 (6) bp
NPAs/ Loans & REO 1.99 1.23 76 bp 2.09 (10) bp
Nonaccrual & 90+ & OREO/ Assets 1.54 0.93 61 bp 1.53 1 bp
NPAs & 90+ PD/ Loans & REO 1.99 1.23 76 bp 2.09 (10) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 17.43 9.95 748 bp 18.16 (73) bp
NCOs/ Avg Loans 0 0 0 bp (0.01) 1 bp
Loan Loss Reserves/ Gross Loans 0.73 0.94 (21) bp 0.73 0 bp
Reserves/ NPAs 36.85 76.41 (3,956) bp 34.72 213 bp
Loan Loss Provision/ NCO NM NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA 122,161 NA
Tier 1 Capital($000) NA NA NA 135,048 NA
Tier 2 Capital($000) NA NA NA 23,230 NA
Total Capital($000) NA NA NA 158,278 NA
Total Risk-weighted Assets($000) NA NA NA 1,135,394 NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA 10.76 NA
Tier 1 Ratio(%) NA NA NA 11.89 NA
Total Capital Ratio(%) NA NA NA 13.94 NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA 9.81 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 7,959,489 6,040,180 31.78 7,929,613 1.51
Avg Diluted Shares(actual) 7,910,449 6,000,705 31.83 7,911,379 (0.05)
Basic Book Value per Share 19 15.55 22.19 18.77 4.90
Book Value per Share, As Reported 19.07 15.55 22.64 18.77 6.39
Basic Tangible Book Value per Share 15.73 15.09 4.24 15.48 6.46
Tangible Book Value per Share, As Reported 15.79 15.09 4.64 15.48 8.01
Common Dividends Declared per Share 0.08 0.06 33.33 0.08 0
EPS after Extra 0.41 0.33 24.24 0.38 31.58
EPS after Extra Growth(%) 24.20 17.90 638 bp 52 (2,776) bp
Core EPS 0.48 0.33 45.45 0.45 26.67
Core EPS Growth(%) 42.90 24.40 1,850 bp 40.10 279 bp
Diluted EPS before Amortization 0.42 0.33 27.27 0.39 30.77
Pre-Provision Earnings per Share 0.51 0.36 41.67 0.49 16.33

   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.