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Financial Highlights Report

Financial Highlights
2019 FQ1
3/31/2019
2018 FQ1
3/31/2018
Y-Y Ch (%)
2018 FQ4
12/31/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 1,840,129 1,376,484 33.68 1,795,703 9.90
Total Net Loans 1,504,455 1,080,601 39.22 1,466,000 10.49
Total Deposits 1,461,324 1,043,331 40.06 1,353,939 31.73
Equity Attributable to Parent Company 189,695 146,292 29.67 185,444 9.17
Total Equity 189,695 146,292 29.67 185,444 9.17
Profitability (%)
Net Income($000) 5,823 1,308 345.18 2,353 589.89
Net Income Attributable to Parent($000) 5,823 1,308 345.18 2,353 589.89
ROAA 1.28 0.39 89 bp 0.62 66 bp
Core ROAA 1.29 1.18 11 bp 0.97 32 bp
ROAE 12.39 3.64 875 bp 6 639 bp
ROATCE 14.88 4.19 1,069 bp 7.44 744 bp
Core ROAE 12.56 11 156 bp 9.41 315 bp
Net Interest Margin 3.41 3.50 (9) bp 3.24 17 bp
Reported: Net Interest Margin 3.46 3.55 (9) bp 3.21 25 bp
Efficiency Ratio 54.71 58.13 (342) bp 60.29 (558) bp
Noninterest Inc/ Operating Rev 20.10 20.97 (87) bp 18.03 207 bp
Balance Sheet Ratios (%)
Loans/ Deposits 103.58 104.32 (74) bp 108.92 (534) bp
Securities/ Assets 11.16 13.66 (250) bp 11.03 13 bp
Total Equity/ Total Assets 10.31 10.63 (32) bp 10.33 (2) bp
Tangible Equity/ Tangible Assets 8.86 8.90 (4) bp 8.83 3 bp
Tang Common Equity/ Tang Assets 8.86 8.90 (4) bp 8.83 3 bp
Asset Quality (%)
NPAs/ Assets 1.35 1.07 28 bp 1.43 (8) bp
NPA Excl Restructured/ Assets 1.30 0.92 38 bp 1.38 (8) bp
NPAs & 90+ PD/ Assets 1.35 1.07 28 bp 1.43 (8) bp
NPAs/ Loans & REO 1.64 1.35 29 bp 1.74 (10) bp
Nonaccrual & 90+ & OREO/ Assets 1.30 0.92 38 bp 1.38 (8) bp
NPAs & 90+ PD/ Loans & REO 1.64 1.35 29 bp 1.74 (10) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 14.69 11.54 315 bp 15.63 (94) bp
NCOs/ Avg Loans 0.04 0.01 3 bp 0.01 3 bp
Loan Loss Reserves/ Gross Loans 0.61 0.72 (11) bp 0.60 1 bp
Reserves/ NPAs 36.89 52.98 (1,609) bp 34.07 282 bp
Loan Loss Provision/ NCO 366.03 NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 119,526 NA NA NA
Tier 1 Capital($000) NA 132,413 NA NA NA
Tier 2 Capital($000) NA 22,792 NA NA NA
Total Capital($000) NA 155,205 NA NA NA
Total Risk-weighted Assets($000) NA 1,052,380 NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA 11.36 NA NA NA
Tier 1 Ratio(%) NA 12.58 NA NA NA
Total Capital Ratio(%) NA 14.75 NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 10.07 NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 9,382,639 7,929,613 18.32 9,532,943 (6.31)
Avg Diluted Shares(actual) 9,460,118 7,791,736 21.41 8,082,270 68.19
Basic Book Value per Share 20.22 18.45 9.59 19.45 15.84
Book Value per Share, As Reported 20.03 18.43 8.68 19.45 11.93
Basic Tangible Book Value per Share 17.09 15.16 12.73 16.36 17.85
Tangible Book Value per Share, As Reported 16.93 15.12 11.97 16.36 13.94
Common Dividends Declared per Share 0.08 0.06 33.33 0.08 0
EPS after Extra 0.62 0.17 264.71 0.29 455.17
EPS after Extra Growth(%) 264.70 (60.50) 32,518 bp 480 (21,529) bp
Core EPS 0.63 0.51 23.53 0.46 147.83
Core EPS Growth(%) 22.20 23.90 (175) bp 139.20 (11,697) bp
Diluted EPS before Amortization 0.63 0.18 250 0.30 440
Pre-Provision Earnings per Share 0.66 0.55 20 0.50 128

   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.