Sb financial group, inc. (SBFG)
Balance Sheet / TTM
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Dec'10
Assets
Cash and due from banks

56,393

27,064

49,824

42,786

62,962

48,363

45,515

24,413

48,329

26,616

28,258

21,385

45,740

17,012

25,167

29,945

35,529

20,459

18,372

21,709

49,765

28,197

21,870

13,778

14,860

13,137

19,016

10,750

-

19,144

-

-

29,602

-

-

-

30,417

Federal funds sold

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

Available for Sale, Fair Value, Totals

107,727

100,948

77,029

85,261

95,802

90,969

84,114

89,911

91,987

82,790

85,304

103,347

107,937

90,128

92,689

92,472

97,990

89,789

95,482

98,786

94,056

85,240

-

-

-

89,793

-

-

-

98,702

-

-

-

-

-

-

132,762

Other securities - FRB and FHLB Stock

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3,748

3,748

3,685

-

3,748

3,748

-

Total investment securities

-

-

-

-

-

-

-

-

-

-

89,052

107,095

111,685

-

96,437

96,220

101,738

-

99,230

102,534

97,804

-

84,896

-

-

-

90,368

99,127

102,138

-

104,995

106,285

114,288

-

108,363

108,517

-

Loans held for sale

11,328

7,258

13,655

9,579

4,346

4,445

6,888

7,551

8,893

3,940

7,663

9,437

5,104

4,434

5,865

8,441

6,890

7,516

8,517

10,067

8,667

5,168

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans held for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

6,736

8,290

7,165

3,366

2,407

10,715

8,560

6,147

11,584

10,595

11,384

5,238

10,589

7,211

9,055

Loans, net of unearned income

830,764

825,510

823,367

814,509

782,523

771,883

771,698

753,285

707,207

696,615

675,075

651,589

626,722

644,433

619,352

604,776

577,134

557,659

540,889

522,403

511,784

516,336

505,924

506,127

481,924

477,303

475,233

464,035

455,443

463,389

455,021

452,110

439,721

442,554

438,926

437,550

427,544

Allowance for loan losses

8,958

8,755

8,492

8,306

8,121

8,167

8,489

8,494

8,219

7,930

7,760

7,825

7,679

7,725

7,320

7,450

7,205

6,990

7,076

7,006

6,830

6,771

6,713

6,568

6,726

6,964

7,120

7,013

6,992

6,811

6,696

6,618

6,609

6,529

6,235

6,443

6,715

Net loans

-

-

-

-

-

-

-

-

-

-

667,315

643,764

619,043

-

612,032

597,326

569,929

-

533,813

515,397

504,954

-

499,211

499,559

475,198

-

468,113

457,022

448,451

-

448,325

445,492

433,112

-

432,690

431,106

-

Premises and equipment, net

23,599

23,385

23,898

23,150

23,270

22,084

21,900

21,683

21,776

21,277

21,271

20,740

19,909

19,129

18,673

18,806

18,994

19,010

17,619

16,432

15,407

13,604

13,256

13,281

13,027

12,186

12,399

12,483

12,738

12,633

12,898

13,190

13,282

13,773

14,120

14,359

14,622

Securities available for sale, at fair value

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

81,148

85,586

93,305

-

86,620

95,379

-

-

-

-

-

-

-

-

-

Cash and due from banks

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

28,031

-

10,289

14,636

-

14,846

13,764

10,485

-

Securities available for sale, at fair value

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

98,390

-

101,247

102,537

110,603

111,978

104,614

104,769

-

Federal Reserve and Federal Home Loan Bank Stock, at cost

4,648

4,648

4,648

4,648

4,123

4,123

4,123

3,748

3,748

3,748

3,748

3,748

3,748

3,748

3,748

3,748

3,748

3,748

3,748

3,748

3,748

3,748

3,748

3,748

3,748

3,748

3,748

3,748

3,748

3,748

-

-

-

3,685

-

-

-

Federal Reserve and Federal Home Loan Bank Stock, at cost

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3,748

Foreclosed assets held for sale, net

85

305

489

530

313

131

105

16

70

26

94

94

950

994

73

157

406

286

188

180

207

285

540

516

615

651

1,430

1,955

2,270

2,367

2,415

1,708

1,807

1,830

1,970

2,056

1,538

Interest receivable

2,940

3,106

3,176

3,209

3,123

2,822

2,433

2,000

1,925

1,825

1,880

1,411

1,462

1,512

1,641

1,397

1,489

1,260

1,817

1,506

1,554

1,346

1,853

1,456

1,423

1,281

1,694

1,575

1,618

1,235

1,832

1,597

1,802

1,635

2,061

1,958

2,068

Goodwill and other intangibles

17,830

17,832

17,834

17,836

17,838

16,401

16,404

16,406

16,409

16,411

16,414

16,417

16,419

16,422

16,426

16,429

16,432

16,435

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Goodwill

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

16,353

16,353

16,353

16,353

16,353

16,353

16,353

16,353

16,353

16,353

16,353

16,353

16,353

16,353

16,353

16,353

16,733

16,733

16,733

Core deposits and other intangibles

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

120

174

229

283

338

393

524

655

784

913

1,066

1,219

1,376

1,534

1,691

1,849

2,005

2,190

2,585

Cash value of life insurance

17,299

17,221

17,137

17,051

16,966

16,834

16,745

16,656

16,567

16,479

13,692

13,859

13,791

13,725

13,653

13,581

13,509

13,437

13,364

13,291

13,219

13,148

13,074

13,059

12,982

-

12,826

12,742

12,659

-

-

-

-

-

-

-

-

Purchased software

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

387

421

320

289

300

330

334

355

386

159

805

874

1,021

Cash value of life insurance

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

12,906

-

-

-

12,577

12,491

12,401

12,312

12,224

12,133

12,041

13,211

Deferred income taxes

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,286

-

-

3,202

Mortgage servicing rights

8,974

11,017

10,447

10,264

10,838

11,365

11,129

10,633

10,196

9,907

9,560

9,217

8,727

8,422

6,887

6,494

6,608

7,152

6,798

6,548

5,860

5,704

5,720

5,375

5,228

5,180

5,076

4,613

4,068

3,775

3,346

3,359

3,359

2,820

2,709

3,294

3,190

Other assets

15,684

9,038

9,749

8,606

7,288

5,575

6,615

6,977

6,753

4,923

5,263

4,249

4,018

3,771

4,946

4,367

3,296

3,310

3,046

3,017

3,536

1,587

709

1,106

1,487

1,738

2,626

2,955

3,048

3,426

3,967

5,026

5,598

3,963

5,846

7,229

5,300

Total assets

1,088,313

1,038,577

1,042,761

1,029,123

1,021,271

986,828

979,180

944,785

925,641

876,627

860,462

847,668

846,848

816,005

801,800

793,163

774,820

733,071

719,237

707,208

717,555

684,228

664,556

662,500

646,302

631,754

633,412

631,492

641,300

638,234

630,205

632,531

644,976

628,664

623,793

618,061

660,287

Liabilities and shareholders’ equity
Liabilities
Deposits
Non interest bearing demand

170,920

158,357

152,932

141,216

146,327

144,592

134,747

131,125

132,919

135,592

124,840

124,213

124,664

125,189

116,976

110,899

112,209

113,113

102,460

96,322

96,638

97,853

90,261

87,706

84,265

81,570

78,217

76,355

79,579

77,799

-

-

-

-

-

-

-

Interest bearing demand

133,722

131,084

131,655

129,710

132,101

130,628

130,897

129,486

137,893

131,079

130,513

127,409

133,388

131,598

135,729

129,658

138,235

126,443

126,816

127,362

133,145

121,043

119,805

116,765

126,520

-

124,860

118,957

123,748

-

-

-

-

-

-

-

-

Non interest bearing demand

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

69,250

68,918

71,077

65,963

62,079

59,650

62,745

Interest bearing demand

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

119,551

-

-

-

117,289

112,230

109,268

-

107,446

-

-

-

Interest bearing demand

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

118,898

-

103,229

101,972

105,708

Savings

138,863

119,359

121,991

118,931

115,272

104,444

114,213

118,108

116,820

103,267

103,530

104,720

103,901

95,594

89,265

84,975

86,038

83,447

77,809

78,729

75,445

64,107

61,770

63,199

64,306

61,652

61,899

61,513

62,404

57,461

53,505

53,777

52,599

49,665

48,145

48,771

47,662

Money market

169,209

173,666

173,237

175,455

175,334

181,426

170,190

151,228

143,679

141,844

140,647

130,987

138,915

122,976

126,501

134,365

120,672

104,412

107,538

100,315

106,325

104,602

96,506

80,288

85,731

79,902

78,406

78,487

81,130

80,381

78,006

81,114

82,799

74,244

79,163

72,822

84,635

Time deposits

251,177

257,753

268,139

274,062

258,624

241,462

239,379

222,932

217,484

217,818

217,277

220,004

212,047

197,716

193,673

188,403

180,874

159,038

158,945

160,198

166,730

163,301

166,919

176,109

171,897

175,559

178,161

176,066

185,398

194,071

202,259

205,584

210,119

221,447

221,730

212,652

214,925

Total deposits

863,891

840,219

847,954

839,374

827,658

802,552

789,426

752,879

748,795

729,600

716,807

707,333

712,915

673,073

662,144

648,300

638,028

586,453

573,568

562,926

578,283

550,906

535,261

524,067

532,719

518,234

521,543

511,378

532,259

527,001

515,250

518,661

535,492

518,765

514,348

495,869

515,677

Short term borrowings

36,881

12,945

14,659

13,968

12,255

15,184

15,539

18,191

14,505

15,082

11,343

11,175

11,796

10,532

11,363

17,797

14,524

12,406

16,911

15,169

14,648

12,740

17,902

17,246

16,905

14,696

14,836

9,314

10,983

10,333

-

-

-

-

-

-

-

Short-term borrowings

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

18,779

-

-

45,785

Notes payable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

7,000

0

0

589

680

1,148

1,424

1,702

1,975

2,249

2,519

2,788

2,865

3,142

3,290

Federal Home Loan Bank advances

-

-

16,000

16,000

24,000

-

24,500

26,500

18,500

-

20,500

20,500

15,500

-

23,000

23,000

21,000

-

30,000

34,000

30,000

30,000

30,000

37,000

14,000

16,000

16,000

30,000

17,500

21,000

18,500

17,500

12,611

12,776

12,939

24,602

22,807

Total

16,000

16,000

-

-

-

16,000

-

-

-

18,500

-

-

-

26,500

-

-

-

35,000

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Fed funds purchased

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

2,000

-

Repurchase agreements

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

13,735

15,824

17,771

-

18,777

19,866

-

Trust preferred securities

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

10,310

-

-

-

20,620

-

-

20,620

20,620

20,620

20,620

20,620

20,620

20,620

20,620

20,620

Trust preferred securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

10,310

20,620

20,620

-

20,620

20,620

-

-

-

-

-

-

-

-

-

Interest payable

1,131

1,191

1,391

1,188

1,123

909

891

685

633

592

611

563

450

408

427

384

343

264

341

289

334

264

355

655

425

639

448

715

515

138

4,223

3,836

3,556

2,953

2,704

2,391

1,971

Other liabilities

24,195

21,818

18,201

14,346

14,419

11,438

11,405

11,116

9,999

8,543

9,982

8,756

7,849

8,634

8,293

8,422

7,564

7,397

7,782

6,391

6,880

4,325

3,462

3,902

4,198

4,707

3,748

3,930

3,704

4,156

3,972

3,567

3,381

4,051

3,985

3,555

4,111

Total liabilities

952,408

902,483

908,515

895,186

889,765

856,393

852,071

819,681

802,742

782,627

769,553

758,637

758,820

729,457

715,537

708,213

691,769

651,830

638,912

629,085

640,455

608,545

604,290

603,490

588,867

575,485

577,875

577,105

587,005

584,950

578,275

582,257

595,950

580,732

576,241

572,047

614,263

Commitments & Contingent Liabilities

-

-

-

-

-

-

0

0

0

-

0

0

0

0

0

0

0

0

0

0

-

0

0

0

-

0

-

-

-

0

-

-

-

0

-

-

0

Shareholders’ Equity
Preferred stock, no par value; authorized 200,000 shares; 2019 - 0 shares outstanding, 2018 - 14,995 shares outstanding

-

-

13,241

13,978

13,978

13,979

13,979

13,983

13,983

13,983

13,983

13,983

13,983

13,983

13,983

13,983

13,983

13,983

13,983

13,983

13,983

13,983

0

0

0

0

0

0

0

0

0

0

0

0

-

-

0

Common stock, no par value; (authorized 10,000,000 shares; 2020 - 8,180,712 shares issued, 2019 - 8,180,712 shares issued)

54,463

54,463

41,223

40,486

40,486

40,485

40,485

40,481

40,481

12,569

12,569

12,569

12,569

12,569

12,569

12,569

12,569

12,569

12,569

12,569

12,569

12,569

12,569

12,569

12,569

12,569

12,569

12,569

12,569

12,569

12,569

12,569

12,569

12,569

12,568

12,568

12,568

Additional paid-in capital

14,655

15,023

15,219

15,259

15,143

15,226

15,160

15,098

15,189

15,405

15,335

15,260

15,224

15,362

15,370

15,367

15,365

15,438

15,444

15,424

15,413

15,461

15,418

15,403

15,391

15,412

15,399

15,392

15,381

15,374

15,362

15,350

15,338

15,323

15,302

15,280

15,235

Retained earnings

72,641

72,704

70,184

67,236

65,438

64,012

61,854

59,503

57,162

55,439

51,991

49,851

48,118

46,688

44,933

42,925

41,199

40,059

38,705

36,930

35,429

34,379

33,075

31,757

30,708

29,899

28,846

27,648

26,476

25,280

23,756

22,452

21,438

20,466

20,192

19,589

18,802

Accumulated other comprehensive income

2,049

659

900

801

124

-552

-1,654

-1,240

-941

-141

335

340

136

51

1,237

1,552

1,296

650

1,157

750

1,264

918

831

908

407

74

415

496

1,623

1,830

2,012

1,672

1,450

1,343

1,258

343

1,187

Treasury stock, at cost; (2020 - 433,682 common shares, 2019 - 417,785 common shares)

7,903

6,755

6,521

3,823

3,663

2,715

2,715

2,721

2,975

3,255

3,304

2,972

2,002

2,105

1,829

1,446

1,361

1,458

1,533

1,533

1,558

1,627

1,627

1,627

1,640

1,685

1,692

1,718

1,754

1,769

1,769

1,769

1,769

1,769

1,769

1,769

1,769

Total shareholders’ equity

135,905

136,094

134,246

133,937

131,506

130,435

127,109

125,104

122,899

94,000

90,909

89,031

88,028

86,548

86,263

84,950

83,051

81,241

80,325

78,123

77,100

75,683

60,266

59,010

57,435

56,269

55,537

54,387

54,295

53,284

51,930

50,274

49,026

47,932

47,552

46,013

46,024

Total liabilities and shareholders’ equity

1,088,313

1,038,577

1,042,761

1,029,123

1,021,271

986,828

979,180

944,785

925,641

876,627

860,462

847,668

846,848

816,005

801,800

793,163

774,820

733,071

719,237

707,208

717,555

684,228

664,556

662,500

646,302

631,754

633,412

631,492

641,300

638,234

630,205

632,531

644,976

628,664

623,793

618,061

660,287