0001213900-22-068565.txt : 20221102 0001213900-22-068565.hdr.sgml : 20221102 20221102141845 ACCESSION NUMBER: 0001213900-22-068565 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20221101 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20221102 DATE AS OF CHANGE: 20221102 FILER: COMPANY DATA: COMPANY CONFORMED NAME: SB FINANCIAL GROUP, INC. CENTRAL INDEX KEY: 0000767405 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 341395608 STATE OF INCORPORATION: OH FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-36785 FILM NUMBER: 221353439 BUSINESS ADDRESS: STREET 1: 401 CLINTON ST CITY: DEFIANCE STATE: OH ZIP: 43512 BUSINESS PHONE: 4197838930 MAIL ADDRESS: STREET 1: 401 CLINTON STREET STREET 2: PO BOX 467 CITY: DEFIANCE STATE: OH ZIP: 43512 FORMER COMPANY: FORMER CONFORMED NAME: RURBAN FINANCIAL CORP DATE OF NAME CHANGE: 19920703 8-K 1 ea167940-8k_sbfinancial.htm CURRENT REPORT
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

 

 

 

FORM 8-K

 

 

 

CURRENT REPORT
Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934

 

Date of Report (Date of earliest event reported) November 2, 2022 (November 1, 2022)

 

SB FINANCIAL GROUP, INC

 

(Exact name of registrant as specified in its charter)

 

Ohio   0-13507   34-1395608
(State or other jurisdiction
of incorporation)		  

(Commission File Number)

  

(IRS Employer

Identification No.)

 

401 Clinton Street, Defiance, OH   43512
(Address of principal executive offices)   (Zip Code)

 

Registrant’s telephone number, including area code (419) 783-8950

 

Not Applicable

 

(Former name or former address, if changed since last report.)

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

 

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

 

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

 

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

 

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 

Securities registered pursuant to Section 12(b) of the Act:

 

Title of each class   Trading symbol(s)   Name of each exchange on which registererd

Common Shares, No Par Value 7,001,339 Outstanding at November 2, 2022

   SBFG  

The NASDAQ Stock Market, LLC

(NASDAQ Capital Market)

 

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

 

Emerging growth company ☐

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

 

 

 

 

 

 

Item 2.02. Results of Operations and Financial Condition.

 

On November 1, 2022, SB Financial Group, Inc. (the “Company”) issued a news release reporting financial results for the third quarter 2022. A copy of the November 1, 2022 news release is furnished as Exhibit 99.1 and is incorporated herein by reference.

 

The information in this Item 2.02, including Exhibit 99.1 furnished herewith, is being furnished and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”) or otherwise subject to the liabilities of that Section, nor shall such information be deemed to be incorporated by reference in any registration statement or other document filed under the Securities Act of 1933 or the Exchange Act, except as otherwise stated in such filing.

 

Item 9.01. Financial Statements and Exhibits.

 

(a) Not Applicable

 

(b) Not Applicable

 

(c) Not Applicable

 

(d) Exhibits

 

Exhibit No.   Description
99.1   News release issued by SB Financial Group, Inc. on November 1, 2022, reporting financial results for the third quarter 2022.
104   Cover Page Interactive Data File (embedded within the Inline XBRL document)

 

-1-

 

 

SIGNATURE

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

  SB FINANCIAL GROUP, INC.
   
Dated:  November 2, 2022 By: /s/ Anthony V. Cosentino
    Anthony V. Cosentino
    Chief Financial Officer

 

-2-

 

 

INDEX TO EXHIBITS

 

Current Report on Form 8-K

Dated November 2, 2022

 

SB Financial Group, Inc.

 

Exhibit No.   Description
99.1   News release issued by SB Financial Group, Inc. on November 1, 2022, reporting financial results for the third quarter 2022.
104   Cover Page Interactive Data File (embedded within the Inline XBRL document)

 

 

-3-

 

 

 EX-99.1 2 ea167940ex99-1_sbfinancial.htm NEWS RELEASE ISSUED BY SB FINANCIAL GROUP, INC. ON NOVEMBER 1, 2022, REPORTING FINANCIAL RESULTS FOR THE THIRD QUARTER 2022

Exhibit 99.1

 

 

 

SB Financial Group Announces Third Quarter 2022 Results

 

DEFIANCE, OH, November 1, 2022 -- SB Financial Group, Inc. (NASDAQ: SBFG) (“SB Financial” or the “Company”), a diversified financial services company providing full-service community banking, mortgage banking, wealth management, private client and title insurance services today reported earnings for the third quarter and nine months ended September 30, 2022.

 

Third quarter 2022 highlights:

 

●Net income of $3.3 million; diluted earnings per share (“EPS”) of $0.47 or a 19.0 percent decrease compared to the prior year third quarter as increased Net Interest Income was offset by Noninterest Income headwinds

 

●Noninterest expense of $10.4 million declined 3.9 percent from the linked quarter

 

●Loan growth of $29.6 million from the linked quarter, or 13.2 percent annualized

 

●Deposit growth of $14.1 million from the linked quarter, or 5.3 percent annualized

 

●Margin expansion of 8.7 percent from the linked quarter

 

●Strong asset quality with Nonperforming assets at 40 basis points and net recoveries in the quarter

 

Nine months ended September 30, 2022, highlights over prior-year nine months include:

 

●Net income of $9.0 million and diluted EPS of $1.27, compared to $14.9 million, or $2.08 per share or a 38.9 percent decrease

 

 

 

 

Third quarter 2022 trailing twelve-month highlights include:

 

●Loans excluding Paycheck Protection Program (“PPP”) loans, increased $81.5 million, or 9.6 percent from the prior year

 

●Deposits decreased by $25.8 million, or 2.3 percent to $1.09 billion

 

●Mortgage origination volume of $388.0 million; servicing portfolio of $1.36 billion up 1.6 percent

 

Highlights  Three Months Ended   Nine Months Ended 
($ in thousands,except per share & ratios)  Sep. 2022   Sep. 2021   % Change   Sep. 2022   Sep. 2021   % Change 
Operating revenue  $14,473   $16,673    -13.2%  $43,017   $52,914    -18.7%
Interest income   11,764    11,033    6.6%   31,632    31,901    -0.8%
Interest expense   1,334    1,009    32.2%   3,133    3,095    1.2%
Net interest income   10,430    10,024    4.1%   28,499    28,806    -1.1%
Provision for loan losses   -    300    0.0%   -    1,050    -100.0%
Noninterest income   4,043    6,649    -39.2%   14,518    24,108    -39.8%
Noninterest expense   10,384    11,256    -7.7%   32,046    33,241    -3.6%
Net income   3,342    4,103    -18.5%   8,988    14,945    -39.9%
Earnings per diluted share   0.47    0.58    -19.0%   1.27    2.08    -38.9%
Return on average assets   1.03%   1.23%   -16.3%   0.91%   1.51%   -39.7%
Return on average equity   10.89%   11.35%   -4.1%   9.21%   13.84%   -33.5%
Non-GAAP Measures                              
Adjusted net income  $3,291   $3,565    -7.7%  $8,046   $12,690    -36.6%
Adjusted diluted EPS   0.47    0.56    -16.1%   1.13    1.77    -36.2%
Adjusted return on average assets   1.01%   1.17%   -13.7%   0.84%   1.34%   -37.3%
Adjusted pre-tax, pre-provision income   4,023    4,869    -17.4%   9,778    15,769    -38.0%

 

“In the third quarter of 2022 we achieved another strong loan origination performance as loans grew $30 million, or 3.3 percent from the second quarter of 2022, or 13.2 percent annualized” said Mark A. Klein, Chairman, President, and CEO of SB Financial. “Compared to prior year, net of PPP, organic loan growth was up $81.5 million or 9.6 percent. Strong loan growth and the increase in loan yields led to net interest margin expansion which partially offset the decline in mortgage revenue. Deposit balances stabilized during the quarter, however as short-term rates continue to rapidly increase our funding costs are beginning to rise.”

 

2

 

 

RESULTS OF OPERATIONS

 

Consolidated Revenue

 

Total operating revenue, consisting of net interest income and noninterest income, up 1.5% from the linked quarter and down 13.2 percent from the third quarter of 2021. Operating revenue was negatively impacted by the expected decline in mortgage banking revenue.

 

●Net interest income was up 8.7 percent from the linked quarter and up 4.1 percent from the year ago quarter.

 

●Net interest margin on a fully taxable equivalent basis (FTE) was up from both the linked and year-ago quarters by 30 and 25 basis points, respectively, primarily from the increase in loan balances of $29.6 million from the linked quarter. Net of PPP, net interest margin is higher by 55 basis points compared to the prior year.

 

●Noninterest income was down 13 and 39 percent from the linked and year ago quarters, respectively, due to lower mortgage volume and OMSR recapture.

 

Mortgage Loan Business

 

Mortgage loan originations for the third quarter of 2022 were $68.6 million, down $84.1 million, or 55.1 percent, from the year-ago quarter; likewise, total sales of originated loans were $39.2 million, down $83.9 million, or 68.2 percent. For the first nine months of 2022, SB Financial had total volume of $261.4 million, of which $202.5 million (77.5 percent) was new purchase/construction lending, $39.0 million was external refinance (14.9 percent), and the remaining $19.9 million (7.6 percent) was internal refinance.

 

Net mortgage banking revenue, consisting of gains on the sale of mortgage loans and net loan servicing fees, was $1.4 million for the third quarter of 2022, compared to $4.1 million for the year-ago quarter. The mortgage servicing valuation adjustment for the third quarter of 2022 was a positive $0.1 million, compared to a positive adjustment of $0.2 million for the third quarter of 2021. For the first nine months of 2022, the recapture of servicing rights was $1.2 million compared to a recapture of $2.9 million for the prior year nine months. The aggregate servicing valuation impairment ended the quarter at $0.3 million. The servicing portfolio at September 30, 2022, was $1.36 billion, up $0.02 billion, or 1.6 percent, from $1.34 billion at September 30, 2021.

 

3

 

 

Mr. Klein noted, “Refinance activity declined to just 10.9 percent of mortgage originations in the quarter from 52.0 percent in the prior year as higher rates continue to significantly impact our Residential mortgage business line. We continue to believe that this business segment offers us the opportunity to drive new households as a number of our competitors have begun to abandon the residential market.”

 

Mortgage Banking                      Annual 
($ in thousands)  Sep. 2022   Jun. 2022   Mar. 2022   Dec. 2021   Sep. 2021   Growth 
Mortgage originations  $68,557   $95,454   $97,394   $126,611   $152,623   $(84,066)
Mortgage sales   39,176    49,915    72,154    110,543    123,083    (83,907)
Mortgage servicing portfolio   1,362,666    1,369,732    1,375,554    1,362,962    1,341,439    21,227 
Mortgage servicing rights   13,473    13,408    13,135    12,034    11,194    2,279 
                               
Mortgage servicing revenue                              
Loan servicing fees   858    863    861    850    850    8 
OMSR amortization   (396)   (496)   (547)   (807)   (943)   547 
Net administrative fees   462    367    314    43    (93)   555 
OMSR valuation adjustment   65    239    890    581    248    (183)
Net loan servicing fees   527    606    1,204    624    155    372 
Gain on sale of mortgages   876    1,196    1,676    3,194    3,947    (3,071)
Mortgage banking revenue, net  $1,403   $1,802   $2,880   $3,818   $4,102   $(2,699)

 

Noninterest Income and Noninterest Expense

 

SB Financial’s noninterest income for the quarter was down from the prior year and the linked quarter by 39 and 13 percent, respectively. Gain on sale yields on mortgage loans were down nearly 100 basis points from the prior year and the total dollars of sales were down nearly $84 million. Wealth management revenue was down slightly from the prior year as market declines have had an adverse effect on the market value of assets under management. SB Financial’s title agency, Peak Title, was down just 6 percent from the prior year, as commercial transaction volume increased despite the residential mortgage slowdown.

 

For the third quarter of 2022, noninterest expense of $10.4 million was down $0.9 million or 7.7 percent compared to the prior year.

 

Reduced expenses due to lower mortgage volume, has offset higher equipment expense related to technology improvements.

 

4

 

 

Mr. Klein stated, “We executed on a number of FTE reductions in our residential mortgage business line in the third quarter as we thoughtfully right sized resources to combat lower volume. We continue to believe that fee income across all of our other business lines remains strong and has reduced our reliance on mortgage sale gains.”

 

Noninterest Income / Noninterest Expense                      Annual 
($ in thousands, except ratios)  Sep. 2022   Jun. 2022   Mar. 2022   Dec. 2021   Sep. 2021   Growth 
Noninterest Income (NII)  $4,043   $4,673   $5,802   $6,589   $6,649   $(2,606)
NII / Total Revenue   27.9%   32.8%   40.6%   42.1%   39.9%   -12.0%
NII / Average Assets   1.2%   1.4%   1.7%   2.0%   2.0%   -0.8%
Total Revenue Growth   -13.2%   -9.1%   -46.9%   -13.7%   -15.3%   2.1%
                               
Noninterest Expense (NIE)  $10,384   $10,802   $10,859   $11,567   $11,256   $(872)
Efficiency Ratio   71.6%   75.6%   75.9%   73.7%   67.4%   4.2%
NIE / Average Assets   3.2%   3.3%   3.2%   3.5%   3.4%   -0.2%
Net Noninterest Expense/Avg. Assets   -2.0%   -1.9%   -1.5%   -1.5%   -1.4%   -0.6%
Total Expense Growth   -7.7%   -2.5%   -0.5%   8.3%   -0.7%   -7.0%

 

Balance Sheet

 

Total assets as of September 30, 2022, were $1.3 billion, or down 2.0 percent from the year ago quarter primarily due to the decrease in the investment portfolio. Total shareholders’ equity as of September 30, 2022, was $114.6 million, down 20.6 percent from a year ago due to the valuation adjustment on the Company’s bond portfolio, which has increased $32.7 million. Absent that negative impact, equity increased $3.1 million or 2.1 percent. SB Financial bought back 77,326 shares of our stock in the quarter at an average price of $17.27 or 132.1 percent of tangible book value per share.

 

The investment portfolio of $248.5 million, including shares in the Federal Reserve Bank and Federal Home Loan Bank, represented 19.1 percent of assets at September 30, 2022, and was down 2.2 percent from the year-ago period. Compared to the linked quarter, the investment portfolio was down $23.0 million as the amortization cash flow was used to fund higher margin loan growth.

 

Total loans held for investment were $925.2 million at September 30, 2022, up $78.7 million, or 9.3 percent, from September 30, 2021. Excluding PPP activity from both years, loan balances were up $81.5 million, or 9.6 percent.

 

Deposit balances of $1.09 billion at September 30, 2022, decreased by $0.03 billion, or 2.3 percent, since September 30, 2021. Deposits grew $14.1 million from the linked quarter.

 

5

 

 

Mr. Klein continued, “The loan growth from closing deals from our strong pipelines improved the mix of our balance sheet as we also reduced the investment portfolio and funded additional growth with higher cost deposits. Our ability to grow interest bearing liabilities in the quarter was a positive while increasing those rates by just 19 bps from the linked quarter. We continue to see solid asset quality and are on pace to achieve zero net charge-offs for the full year of 2022.”

 

Loan Balances                      Annual 
($ in thousands, except ratios)  Sep. 2022   Jun. 2022   Mar. 2022   Dec. 2021   Sep. 2021   Growth 
Commercial  $128,565   $127,711   $124,857   $122,373   $138,085   $(9,520)
% of Total   13.9%   14.3%   14.7%   14.9%   16.3%   -6.9%
Commercial RE   404,710    404,260    400,101    381,387    387,858    16,852 
% of Total   43.7%   45.1%   47.0%   46.4%   45.8%   4.3%
Agriculture   60,522    60,586    55,741    57,473    57,374    3,148 
% of Total   6.5%   6.8%   6.6%   7.0%   6.8%   5.5%
Residential RE   267,135    241,614    214,015    206,324    207,571    59,564 
% of Total   28.9%   27.0%   25.2%   25.1%   24.5%   28.7%
Consumer & Other   64,317    61,440    55,957    55,157    55,660    8,657 
% of Total   7.0%   6.9%   6.6%   6.7%   6.6%   15.6%
Total Loans  $925,249   $895,611   $850,671   $822,714   $846,548   $78,701 
Total Growth Percentage                            9.3%

 

Deposit Balances                      Annual 
($ in thousands, except ratios)  Sep. 2022   Jun. 2022   Mar. 2022   Dec. 2021   Sep. 2021   Growth 
Non-Int DDA  $250,791   $239,676   $252,273   $247,044   $258,857   $(8,066)
% of Total   23.1%   22.4%   22.2%   22.2%   23.3%   -3.1%
Interest DDA   199,523    198,286    211,152    195,464    189,130    10,393 
% of Total   18.4%   18.5%   18.6%   17.6%   17.0%   5.5%
Savings   201,402    215,285    236,394    237,571    246,414    (45,012)
% of Total   18.5%   20.1%   20.8%   21.3%   22.2%   -18.3%
Money Market   258,975    276,274    289,699    276,462    258,741    234 
% of Total   23.8%   25.8%   25.5%   24.8%   23.3%   0.1%
Time Deposits   175,202    142,258    148,553    156,504    158,518    16,684 
% of Total   16.1%   13.3%   13.1%   14.1%   14.3%   10.5%
Total Deposits  $1,085,893   $1,071,779   $1,138,071   $1,113,045   $1,111,660   $(25,767)
Total Growth Percentage                            -2.3%

 

6

 

 

Asset Quality

 

SB Financial reported nonperforming assets of $5.2 million as of September 30, 2022, down $0.4 million or 7.6 percent from the year-ago quarter. The Company had net recoveries in the quarter, and for the year-to-date, the Company had $19,000 in net recoveries. The coverage ratio of problem loans to the loan loss allowance was at 313.3 percent at September 30, 2022.

 

Nonperforming Assets                      Annual 
($ in thousands, except ratios)  Sep. 2022   Jun. 2022   Mar. 2022   Dec. 2021   Sep. 2021   Change 
Commercial & Agriculture  $114   $140   $142   $143   $144   $(30)
% of Total Com./Ag. loans   0.06%   0.07%   0.08%   0.08%   0.07%   -20.8%
Commercial RE   223    359    544    554    566    (343)
% of Total CRE loans   0.06%   0.09%   0.14%   0.15%   0.15%   -60.6%
Residential RE   3,129    3,176    3,198    2,484    2,056    1,073 
% of Total Res. RE loans   1.17%   1.31%   1.49%   1.20%   0.99%   52.2%
Consumer & Other   280    323    409    471    422    (142)
% of Total Con./Oth. loans   0.44%   0.53%   0.73%   0.85%   0.76%   -33.6%
Total Nonaccruing Loans   3,746    3,998    4,293    3,652    3,188    558 
% of Total loans   0.40%   0.45%   0.50%   0.44%   0.38%   17.5%
Accruing Restructured Loans   668    683    762    725    805    (137)
Total Change (%)                            -17.0%
Total Nonaccruing & Restructured Loans   4,414    4,681    5,055    4,377    3,993    421 
% of Total loans   0.48%   0.52%   0.59%   0.53%   0.47%   10.5%
Foreclosed Assets and Other Assets   756    730    527    2,104    1,601    (845)
Total Change (%)                            -52.8%
Total Nonperforming Assets  $5,170   $5,411   $5,582   $6,481   $5,594   $(424)
% of Total assets   0.40%   0.42%   0.42%   0.49%   0.42%   -7.6%

 

Webcast and Conference Call

 

The Company will hold the third quarter 2022 earnings conference call and webcast on November 2, 2022, at 11:00 a.m. EDT. Interested parties may access the conference call by dialing 1-888-338-9469. The webcast can be accessed at ir.yourstatebank.com. An audio replay of the call will be available on the Company’s website.

 

About SB Financial Group

 

Headquartered in Defiance, Ohio, SB Financial is a diversified financial services holding company for the State Bank & Trust Company (State Bank) and SBFG Title, LLC dba Peak Title (Peak Title). State Bank provides a full range of financial services for consumers and small businesses, including wealth management, private client services, mortgage banking and commercial and agricultural lending, operating through a total of 23 offices; 22 in nine Ohio counties and one in Fort Wayne, Indiana, and 24 full-service ATMs. State Bank has five loan production offices located throughout the Tri-State region of Ohio, Indiana and Michigan. Peak Title provides title insurance and title opinions throughout the Tri-State region. SB Financial’s common stock is listed on the NASDAQ Capital Market with the ticker symbol “SBFG”.

 

In April 2022, SB Financial was named to the Keefe, Bruyette & Woods, Inc. “Bank Honor Roll” of superior performers that consistently reported increases in earnings per share over the last decade. The honor roll review determined that just 17 banks in the U.S., including SB Financial, or five percent of all banks screened, qualified for inclusion.

 

7

 

 

Forward-Looking Statements

 

Certain statements within this document, which are not statements of historical fact, constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements involve risks and uncertainties and actual results may differ materially from those predicted by the forward-looking statements. These risks and uncertainties include, but are not limited to, the duration and scope of the COVID-19 outbreak in the United States and the market areas in which SB Financial and its subsidiaries operate, including the impact to the state and local economies of prolonged shelter in place orders and the pandemic generally, risks and uncertainties inherent in the national and regional banking industry, changes in economic conditions in the market areas in which SB Financial and its subsidiaries operate, changes in policies by regulatory agencies, changes in accounting standards and policies, changes in tax laws, fluctuations in interest rates, demand for loans in the market areas in SB Financial and its subsidiaries operate, increases in FDIC insurance premiums, changes in the competitive environment, losses of significant customers, geopolitical events, the loss of key personnel and other risks identified in SB Financial’s Annual Report on Form 10-K and documents subsequently filed by SB Financial with the Securities and Exchange Commission. Forward-looking statements speak only as of the date on which they are made, and SB Financial undertakes no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made, except as required by law. All subsequent written and oral forward-looking statements attributable to SB Financial or any person acting on its behalf are qualified by these cautionary statements.

 

Non-GAAP Financial Measures

 

This press release contains financial information determined by methods other than in accordance with U.S. generally accepted accounting principles (“GAAP”). Non-GAAP financial measures, specifically pre-tax, pre-provision income, tangible common equity, tangible assets, tangible book value per common share, tangible common equity to tangible assets, return on average tangible common equity, total interest income – FTE, net interest income – FTE and net interest margin – FTE are used by the Company’s management to measure the strength of its capital and analyze profitability, including its ability to generate earnings on tangible capital invested by its shareholders. In addition, the Company excludes the non-GAAP items of OMSR impairment and merger related costs from net income to report an adjusted net income level. Although management believes these non-GAAP measures are useful to investors by providing a greater understanding of its business, they should not be considered a substitute for financial measures determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies.

 

Investor Contact Information:

 

Mark A. Klein

Chairman, President and

Chief Executive Officer

Mark.Klein@YourStateBank.com

 

Anthony V. Cosentino

Executive Vice President and

Chief Financial Officer

Tony.Cosentino@YourStateBank.com

 

###

 

8

 

 

SB FINANCIAL GROUP, INC.

CONSOLIDATED BALANCE SHEETS - (Unaudited)

 

   September   June   March   December   September 
($ in thousands)  2022   2022   2022   2021   2021 
                     
ASSETS                    
Cash and due from banks  $27,934   $29,567   $130,003   $149,511   $138,015 
Interest bearing time deposits   2,134    1,691    1,894    2,643    2,651 
Available-for-sale securities   243,233    266,162    265,311    263,259    248,815 
Loans held for sale   2,979    4,242    4,737    7,472    10,335 
Loans, net of unearned income   925,249    895,611    850,671    822,714    846,548 
Allowance for loan losses   (13,824)   (13,801)   (13,804)   (13,805)   (13,812)
Premises and equipment, net   22,842    23,122    23,039    23,212    23,874 
Federal Reserve and FHLB Stock, at cost   5,230    5,303    5,303    5,303    5,303 
Foreclosed assets and other assets   756    730    527    2,104    1,601 
Interest receivable   3,556    3,256    2,815    2,920    2,954 
Goodwill   23,239    23,239    23,239    23,191    22,091 
Cash value of life insurance   28,713    28,556    17,932    17,867    17,795 
Mortgage servicing rights   13,473    13,408    13,135    12,034    11,194 
Other assets   17,863    12,886    10,328    12,430    12,361 
                          
Total assets  $1,303,377   $1,293,972   $1,335,130   $1,330,855   $1,329,725 
                          
LIABILITIES AND SHAREHOLDERS’ EQUITY                         
Deposits                         
Non interest bearing demand  $250,791   $239,676   $252,273   $247,044   $258,857 
Interest bearing demand   199,523    198,286    211,152    195,464    189,130 
Savings   201,402    215,285    236,394    237,571    246,414 
Money market   258,975    276,274    289,699    276,462    258,741 
Time deposits   175,202    142,258    148,553    156,504    158,518 
                          
Total deposits   1,085,893    1,071,779    1,138,071    1,113,045    1,111,660 
                          
Short-term borrowings   19,754    30,772    19,035    15,320    20,771 
Federal Home Loan Bank advances   35,000    25,000    5,500    5,500    5,500 
Trust preferred securities   10,310    10,310    10,310    10,310    10,310 
Subordinated debt net of issuance costs   19,582    19,570    19,558    19,546    19,534 
Interest payable   623    307    536    299    576 
Other liabilities   17,587    11,678    9,483    21,906    17,082 
                          
Total liabilities   1,188,749    1,169,416    1,202,493    1,185,926    1,185,433 
                          
Shareholders’ Equity                         
Common stock   61,319    61,319    61,319    54,463    54,463 
Additional paid-in capital   15,000    15,069    14,872    14,944    14,875 
Retained earnings   99,309    96,809    94,833    99,716    97,183 
Accumulated other comprehensive income (loss)   (33,426)   (22,210)   (13,659)   (1,845)   (699)
Treasury stock   (27,574)   (26,431)   (24,728)   (22,349)   (21,530)
                          
Total shareholders’ equity   114,628    124,556    132,637    144,929    144,292 
                          
Total liabilities and shareholders’ equity  $1,303,377   $1,293,972   $1,335,130   $1,330,855   $1,329,725 

 

9

 

 

SB FINANCIAL GROUP, INC.

CONSOLIDATED STATEMENTS OF INCOME - (Unaudited)

 

   At and for the Three Months Ended  Nine Months Ended 
   September   June   March   December   September   September   September 
($ in thousands, except per share & ratios)  2022   2022   2022   2021   2021   2022   2021 
Interest income                        
Loans                        
Taxable  $10,084   $8,880   $8,052   $8,889   $9,948   $27,016   $29,070 
Tax exempt   92    73    61    59    52    226    147 
Securities                                   
Taxable   1,536    1,469    1,235    969    939    4,239    2,417 
Tax exempt   52    52    47    86    94    151    267 
                                    
Total interest income   11,764    10,474    9,395    10,003    11,033    31,632    31,901 
                                    
Interest expense                                   
Deposits   852    567    618    640    709    2,037    2,489 
Repurchase agreements & other   8    11    13    7    12    32    35 
Federal Home Loan Bank advances   180    38    39    41    40    257    147 
Trust preferred securities   99    71    53    49    49    223    150 
Subordinated debt   195    194    195    188    199    584    274 
                                    
Total interest expense   1,334    881    918    925    1,009    3,133    3,095 
                                    
Net interest income   10,430    9,593    8,477    9,078    10,024    28,499    28,806 
                                    
Provision for loan losses   -    -    -    -    300    -    1,050 
                                    
Net interest income after provision for loan losses   10,430    9,593    8,477    9,078    9,724    28,499    27,756 
                                    
Noninterest income                                   
Wealth management fees   930    936    955    988    959    2,821    2,826 
Customer service fees   844    860    794    827    812    2,498    2,390 
Gain on sale of mtg. loans & OMSR   876    1,196    1,676    3,194    3,947    3,748    14,061 
Mortgage loan servicing fees, net   527    606    1,204    624    155    2,337    2,316 
Gain on sale of non-mortgage loans   125    167    169    44    52    461    114 
Title insurance revenue   476    697    602    528    508    1,775    1,561 
Gain (loss) on sale of assets   (12)   -    55    1    1    43    1 
Other   277    211    347    383    215    835    839 
                                    
Total noninterest income   4,043    4,673    5,802    6,589    6,649    14,518    24,108 
                                    
Noninterest expense                                   
Salaries and employee benefits   5,858    6,418    6,189    6,648    6,689    18,465    20,190 
Net occupancy expense   769    719    742    846    714    2,230    2,202 
Equipment expense   918    827    854    899    872    2,599    2,382 
Data processing fees   664    643    576    721    671    1,883    1,858 
Professional fees   766    760    950    872    817    2,476    2,155 
Marketing expense   200    222    231    228    201    653    556 
Telephone and communication expense   134    105    111    148    140    350    433 
Postage and delivery expense   75    110    116    106    100    301    308 
State, local and other taxes   250    277    278    288    286    805    887 
Employee expense   145    175    136    163    186    456    500 
Other expenses   605    546    676    648    580    1,828    1,770 
                                    
Total noninterest expense   10,384    10,802    10,859    11,567    11,256    32,046    33,241 
                                    
Income before income tax expense   4,088    3,464    3,420    4,100    5,117    10,971    18,623 
                                    
Income tax expense   746    630    607    768    1,014    1,983    3,678 
                                    
Net income  $3,342   $2,834   $2,813   $3,332   $4,103   $8,988   $14,945 
                                    
Common share data:                                   
Basic earnings per common share  $0.48   $0.40   $0.40   $0.49   $0.59   $1.28   $2.09 
                                    
Diluted earnings per common share  $0.47   $0.40   $0.40   $0.49   $0.58   $1.27   $2.08 
                                    
Average shares outstanding (in thousands):                                   
Basic:   6,968    7,075    7,035    6,906    6,966    7,026    7,142 
Diluted:   7,033    7,149    7,100    6,970    7,017    7,098    7,167 

 

10

 

 

SB FINANCIAL GROUP, INC.

CONSOLIDATED FINANCIAL HIGHLIGHTS - (Unaudited)

 

($ in thousands, except per share & ratios)  At and for the Three Months Ended   Nine Months Ended 
   September   June   March   December   September   September   September 
SUMMARY OF OPERATIONS  2022   2022   2022   2021   2021   2022   2021 
                             
Net interest income  $10,430   $9,593   $8,477   $9,078   $10,024   $28,499   $28,806 
Tax-equivalent adjustment   38    33    29    39    39    100    110 
Tax-equivalent net interest income   10,468    9,626    8,506    9,117    10,063    28,599    28,916 
Provision for loan loss   -    -    -    -    300    -    1,050 
Noninterest income   4,043    4,673    5,802    6,589    6,649    14,518    24,108 
Total operating revenue   14,473    14,266    14,279    15,667    16,673    43,017    52,914 
Noninterest expense   10,384    10,802    10,859    11,567    11,256    32,045    33,241 
Pre-tax pre-provision income   4,089    3,464    3,420    4,100    5,417    10,972    19,673 
Pretax income   4,089    3,464    3,420    4,100    5,117    10,972    18,623 
Net income   3,342    2,834    2,813    3,332    4,103    8,988    14,945 
                                    
PER SHARE INFORMATION:                                   
Basic earnings per share (EPS)   0.48    0.40    0.40    0.49    0.59    1.28    2.09 
Diluted earnings per share   0.47    0.40    0.40    0.49    0.58    1.27    2.08 
Common dividends   0.120    0.120    0.115    0.115    0.110    0.355    0.325 
Book value per common share   16.49    17.75    18.65    21.05    20.83    16.49    20.83 
Tangible book value per common share (TBV)   13.07    14.36    15.31    17.60    17.55    13.07    17.55 
Market price per common share   16.85    17.26    19.91    19.67    18.18    16.85    18.18 
Market price to TBV   128.9%   120.2%   130.1%   111.8%   103.6%   128.9%   103.6%
Market price to trailing 12 month EPS   9.6    9.3    10.0    7.7    6.5    9.6    6.5 
                                    
PERFORMANCE RATIOS:                                   
Return on average assets (ROAA)   1.03%   0.87%   0.83%   0.99%   1.23%   0.91%   1.51%
Pre-tax pre-provision ROAA   1.26%   1.06%   1.01%   1.22%   1.63%   1.19%   2.12%
Return on average equity   10.89%   8.89%   8.08%   9.21%   11.35%   9.21%   13.84%
Return on average tangible equity   13.51%   10.93%   9.75%   10.92%   13.47%   11.28%   16.43%
Efficiency ratio   71.63%   75.60%   75.93%   73.72%   67.40%   74.38%   62.72%
Earning asset yield   3.89%   3.45%   2.96%   3.17%   3.25%   3.42%   3.44%
Cost of interest bearing liabilities   0.58%   0.39%   0.39%   0.40%   0.44%   0.45%   0.46%
Net interest margin   3.45%   3.15%   2.67%   2.87%   3.20%   3.08%   3.11%
Tax equivalent effect   0.01%   0.01%   0.01%   0.02%   0.01%   0.01%   0.01%
Net interest margin, tax equivalent   3.46%   3.16%   2.68%   2.89%   3.21%   3.09%   3.12%
Non interest income/Average assets   1.24%   1.43%   1.72%   1.96%   1.99%   1.47%   2.44%
Non interest expense/Average assets   3.19%   3.31%   3.22%   3.45%   3.38%   3.24%   3.37%
Net noninterest expense/Average assets   -1.95%   -1.88%   -1.50%   -1.48%   -1.38%   -1.77%   -0.93%
                                    
ASSET QUALITY RATIOS:                                   
Gross charge-offs   9    9    9    34    24    27    102 
Recoveries   32    6    8    27    230    46    290 
Net charge-offs   (23)   3    1    7    (206)   (19)   (188)
Nonaccruing loans/Total loans   0.40%   0.45%   0.50%   0.44%   0.38%   0.40%   0.38%
Nonperforming loans/Total loans   0.48%   0.52%   0.59%   0.53%   0.47%   0.48%   0.47%
Nonperforming assets/Loans & OREO   0.56%   0.60%   0.66%   0.79%   0.66%   0.56%   0.66%
Nonperforming assets/Total assets   0.40%   0.42%   0.42%   0.49%   0.42%   0.40%   0.42%
Allowance for loan loss/Nonperforming loans   313.26%   294.83%   273.08%   315.40%   345.91%   313.26%   345.91%
Allowance for loan loss/Total loans   1.49%   1.54%   1.62%   1.68%   1.63%   1.49%   1.63%
Net loan charge-offs/Average loans (ann.)   (0.01)%   0.00%   0.00%   0.00%   (0.10%)   (0.00%)   (0.03%)
                                    
CAPITAL & LIQUIDITY RATIOS:                                   
Loans/ Deposits   85.21%   83.56%   74.75%   73.92%   76.15%   85.21%   76.15%
Equity/ Assets   8.79%   9.63%   9.93%   10.89%   10.85%   8.79%   10.85%
Tangible equity/Tangible assets   7.10%   7.93%   8.30%   9.27%   9.30%   7.10%   9.30%
Common equity tier 1 ratio (Bank)   13.23%   13.21%   13.71%   13.94%   13.23%   13.21%   13.23%
                                    
END OF PERIOD BALANCES                                   
Total assets   1,303,377    1,293,972    1,335,130    1,330,855    1,329,725    1,303,377    1,329,725 
Total loans   925,249    895,611    850,671    822,714    846,548    925,249    846,548 
Deposits   1,085,893    1,071,779    1,138,071    1,113,045    1,111,660    1,085,893    1,111,660 
Stockholders equity   114,628    124,556    132,637    144,929    144,292    114,628    144,292 
Goodwill and intangibles   23,770    23,787    23,804    23,774    22,692    23,770    22,692 
Tangible equity   90,858    100,769    108,833    121,155    121,600    90,858    121,600 
Mortgage servicing portfolio   1,362,666    1,369,732    1,375,554    1,362,962    1,341,439    1,362,666    1,341,439 
Wealth/Brokerage assets under care   480,947    500,487    560,698    618,279    588,319    480,947    588,319 
Total assets under care   3,146,990    3,164,191    3,271,382    3,312,096    3,259,483    3,146,990    3,259,483 
Full-time equivalent employees   271    267    256    269    264    271    264 
Period end common shares outstanding   6,950    7,017    7,111    6,884    6,927    6,950    6,927 
Market capitalization (all)   117,113    121,105    141,575    135,415    125,935    117,113    125,935 
                                    
AVERAGE BALANCES                                   
Total assets   1,302,297    1,305,815    1,350,982    1,342,202    1,333,369    1,319,668    1,315,521 
Total earning assets   1,209,958    1,216,124    1,270,218    1,263,431    1,253,722    1,231,865    1,236,227 
Total loans   909,909    870,439    832,825    845,078    856,486    871,340    857,703 
Deposits   1,085,821    1,108,890    1,134,234    1,123,843    1,109,491    1,109,345    1,099,892 
Stockholders equity   122,738    127,519    139,214    144,749    144,565    130,069    144,020 
Goodwill and intangibles   23,778    23,796    23,801    22,701    22,701    23,791    22,718 
Tangible equity   98,960    103,723    115,413    122,048    121,864    106,278    121,302 
Average basic shares outstanding   6,968    7,075    7,035    6,906    6,966    7,026    7,142 
Average diluted shares outstanding   7,033    7,149    7,100    6,970    7,017    7,098    7,167 

 

11

 

 

SB FINANCIAL GROUP, INC.

Rate Volume Analysis - (Unaudited)

For the Three and Nine Months Ended Sep. 30, 2022 and 2021

 

   Three Months Ended
Sep. 30, 2022		   Three Months Ended
Sep. 30, 2021		 
   Average       Average   Average       Average 
($ in thousands)  Balance   Interest   Rate   Balance   Interest   Rate 
Assets                        
Taxable securities/cash  $291,712   $1,536    2.11%  $388,800   $939    0.97%
Nontaxable securities   8,337    52    2.49%   8,436    94    4.46%
Loans, net   909,909    10,176    4.47%   856,486    10,000    4.67%
                               
Total earning assets   1,209,958    11,764    3.89%   1,253,722    11,033    3.52%
                               
Cash and due from banks   6,782              6,975           
Allowance for loan losses   (13,802)             (13,475)          
Premises and equipment   23,762              25,820           
Other assets   75,597              60,327           
                               
Total assets  $1,302,297             $1,333,369           
                               
Liabilities                              
Savings, MMDA and interest bearing demand  $681,209   $542    0.32%  $695,801   $441    0.25%
Time deposits   155,979    310    0.79%   164,432    268    0.65%
Repurchase agreements & other   20,160    8    0.16%   24,672    12    0.19%
Advances from Federal Home Loan Bank   26,739    180    2.69%   5,500    40    2.91%
Trust preferred securities   10,310    99    3.84%   10,310    49    1.90%
Subordinated debt   19,576    195    3.98%   19,528    199    4.08%
                               
Total interest bearing liabilities   913,973    1,334    0.58%   920,243    1,009    0.44%
                               
Non interest bearing demand   248,633    -         249,258    -      
                               
Total funding   1,162,606         0.46%   1,169,501         0.35%
                               
Other liabilities   16,952              19,303           
                               
Total liabilities   1,179,558              1,188,804           
                               
Equity   122,738              144,565           
                               
Total liabilities and equity  $1,302,296             $1,333,369           
                               
Net interest income       $10,430             $10,024      
                               
Net interest income as a percent of average interest-earning assets - GAAP measure             3.45%             3.20%
Net interest income as a percent of average interest-earning assets - non GAAP             3.46%             3.21%
- Computed on a fully tax equivalent (FTE) basis                              

 

   Nine Months Ended
Sep. 30, 2022		   Nine Months Ended
Sep. 30, 2021		 
   Average       Average   Average       Average 
   Balance   Interest   Rate   Balance   Interest   Rate 
Assets                        
Taxable securities/cash  $352,405   $4,239    1.60%  $370,743   $2,417    0.87%
Nontaxable securities   8,120    151    2.48%   7,781    267    4.58%
Loans, net   871,340    27,242    4.17%   857,703    29,217    4.54%
                               
Total earning assets   1,231,865    31,632    3.42%   1,236,227    31,901    3.44%
                               
Cash and due from banks   7,331              7,554           
Allowance for loan losses   (13,804)             (13,297)          
Premises and equipment   24,265              24,442           
Other assets   70,011              60,595           
                               
Total assets  $1,319,668             $1,315,521           
                               
Liabilities                              
Savings, MMDA and interest bearing demand  $709,033   $1,293    0.24%  $661,433   $1,413    0.28%
Time deposits   152,230    744    0.65%   184,668    1,076    0.78%
Repurchase agreements & Other   21,298    32    0.20%   24,139    35    0.19%
Advances from Federal Home Loan Bank   12,154    257    2.82%   6,846    147    2.86%
Trust preferred securities   10,310    223    2.88%   10,310    150    1.94%
Subordinated debt   19,564    584    3.98%   9,811    274    3.72%
                               
Total interest bearing liabilities   924,589    3,133    0.45%   897,207    3,095    0.46%
                               
Non interest bearing demand   248,082         0.36%   253,791         0.36%
                               
Total funding   1,172,671              1,150,998           
                               
Other liabilities   16,928              20,503           
                               
Total liabilities   1,189,599              1,171,501           
                               
Equity   130,069              144,020           
                               
Total liabilities and equity  $1,319,668             $1,315,521           
                               
Net interest income       $28,499             $28,806      
                               
Net interest income as a percent of average interest-earning assets - GAAP measure             3.08%             3.11%
Net interest income as a percent of average interest-earning assets - non GAAP             3.09%             3.12%
- Computed on a fully tax equivalent (FTE) basis                              

 

12

 

 

Non-GAAP reconciliation  Three Months Ended   Nine Months Ended 
($ in thousands, except per share & ratios)  Sep. 30, 2022   Sep. 30, 2021   Sep. 30, 2022   Sep. 30, 2021 
                 
Total Operating Revenue  $14,473   $16,673   $43,017   $52,914 
Adjustment to (deduct)/add OMSR recapture/impairment*   (65)   (248)   (1,193)   (2,854)
                     
Adjusted Total Operating Revenue   14,408    16,425    41,824    50,060 
                     
Income before Income Taxes   4,088    5,117    10,971    18,623 
Adjustment for OMSR   (65)   (248)   (1,193)   (2,854)
                     
Adjusted Income before Income Taxes   4,023    4,869    9,778    15,769 
                     
Provision for Income Taxes   746    1,014    1,983    3,678 
Adjustment for OMSR **   (14)   (52)   (251)   (599)
                     
Adjusted Provision for Income Taxes   732    962    1,732    3,080 
                     
Net Income   3,342    3,761    8,988    14,945 
Adjustment for OMSR   (51)   (196)   (942)   (2,255)
                     
Adjusted Net Income   3,291    3,565    8,046    12,690 
                     
Diluted Earnings per Share   0.47    0.58    1.27    2.08 
Adjustment for OMSR   (0.01)   (0.03)   (0.13)   (0.31)
                     
Adjusted Diluted Earnings per Share  $0.47   $0.55   $1.13   $1.77 
                     
Return on Average Assets   1.03%   1.23%   0.91%   1.51%
Adjustment for OMSR   -0.02%   -0.06%   -0.07%   -0.17%
                     
Adjusted Return on Average Assets   1.01%   1.17%   0.84%   1.34%

 

*valuation adjustment to the Company’s mortgage servicing rights
**tax effect is calculated using a 21% statutory federal corporate income tax rate

 

13

 

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Cover
Nov. 01, 2022
Cover [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Nov. 01, 2022
Entity File Number 0-13507
Entity Registrant Name SB FINANCIAL GROUP, INC
Entity Central Index Key 0000767405
Entity Tax Identification Number 34-1395608
Entity Incorporation, State or Country Code OH
Entity Address, Address Line One 401 Clinton Street
Entity Address, City or Town Defiance
Entity Address, State or Province OH
Entity Address, Postal Zip Code 43512
City Area Code 419
Local Phone Number 783-8950
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common Shares, No Par Value 7,001,339 Outstanding at November 2, 2022
Trading Symbol SBFG
Security Exchange Name NASDAQ
Entity Emerging Growth Company false
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