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Financial Highlights Report

Financial Highlights
2019 FQ3
9/30/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 1,934,259 1,459,642 32.52 1,866,344 14.56
Total Net Loans 1,553,860 1,163,144 33.59 1,521,041 8.63
Total Deposits 1,526,856 1,114,646 36.98 1,476,488 13.65
Equity Attributable to Parent Company 196,079 151,222 29.66 192,416 7.61
Total Equity 196,079 151,222 29.66 192,416 7.61
Profitability (%)
Net Income($000) 5,145 3,270 57.34 6,244 (70.40)
Net Income Attributable to Parent($000) 5,145 3,270 57.34 6,244 (70.40)
ROAA 1.08 0.91 17 bp 1.35 (27) bp
Core ROAA 1.08 1.05 3 bp 1.26 (18) bp
ROAE 10.56 8.67 189 bp 12.98 (242) bp
ROATCE 12.62 10.63 199 bp 15.51 (289) bp
Core ROAE 10.58 10.06 52 bp 12.10 (152) bp
Net Interest Margin 3.29 3.31 (2) bp 3.48 (19) bp
Reported: Net Interest Margin 3.26 3.29 (3) bp 3.49 (23) bp
Efficiency Ratio 55.79 60.26 (447) bp 53.36 243 bp
Noninterest Inc/ Operating Rev 17.03 18.64 (161) bp 17.81 (78) bp
Balance Sheet Ratios (%)
Loans/ Deposits 102.41 105.12 (271) bp 103.67 (126) bp
Securities/ Assets 11.42 12.77 (135) bp 11.09 33 bp
Total Equity/ Total Assets 10.14 10.36 (22) bp 10.31 (17) bp
Tangible Equity/ Tangible Assets 8.76 8.74 2 bp 8.88 (12) bp
Tang Common Equity/ Tang Assets 8.76 8.74 2 bp 8.88 (12) bp
Asset Quality (%)
NPAs/ Assets 0.87 1.60 (73) bp 1.13 (26) bp
NPA Excl Restructured/ Assets 0.81 1.54 (73) bp 1.06 (25) bp
NPAs & 90+ PD/ Assets 0.87 1.60 (73) bp 1.13 (26) bp
NPAs/ Loans & REO 1.08 1.99 (91) bp 1.37 (29) bp
Nonaccrual & 90+ & OREO/ Assets 0.81 1.54 (73) bp 1.06 (25) bp
NPAs & 90+ PD/ Loans & REO 1.08 1.99 (91) bp 1.37 (29) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 9.54 17.43 (789) bp 12.19 (265) bp
NCOs/ Avg Loans 0.13 0 13 bp 0.09 4 bp
Loan Loss Reserves/ Gross Loans 0.62 0.73 (11) bp 0.63 (1) bp
Reserves/ NPAs 57.84 36.85 2,099 bp 45.70 1,214 bp
Loan Loss Provision/ NCO 123.98 NM NM 228.91 (10,493) bp
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) 9,258,347 7,959,489 16.32 9,456,778 (8.39)
Avg Diluted Shares(actual) 9,375,490 7,910,449 18.52 9,406,175 (1.30)
Basic Book Value per Share 21.18 19 11.47 20.35 16.31
Book Value per Share, As Reported 20.81 19 9.53 20.35 9.04
Basic Tangible Book Value per Share 18.03 15.73 14.62 17.25 18.09
Tangible Book Value per Share, As Reported 17.71 15.73 12.59 17.25 10.67
Common Dividends Declared per Share 0.09 0.08 0 0.08 0
EPS after Extra 0.55 0.41 34.15 0.66 (66.67)
EPS after Extra Growth(%) 34.10 24.20 991 bp 73.70 (3,953) bp
Core EPS 0.55 0.48 14.58 0.62 (45.16)
Core EPS Growth(%) 15.80 42.90 (2,714) bp 37.40 (2,159) bp
Diluted EPS before Amortization 0.56 0.42 33.33 0.67 (65.67)
Pre-Provision Earnings per Share 0.63 0.51 23.53 0.69 (34.78)

   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.