SB Financial Group (SBFG) Reports Q4 EPS of $0.30

Highlights*

Three Months Ended

Full Year

(in $000's except ratios and per share data)

Dec. 2014

Dec. 2013

2014

2013

Net interest income (FTE)

$ 5,599

$ 5,096

$ 21,316

$ 21,110

Noninterest income

3,164

2,949

12,827

14,046

Noninterest expense

6,364

6,199

25,957

26,511

Net income

1,524

1,224

5,263

5,205

Earnings per diluted share

0.30

0.25

1.07

1.07

Net interest margin (FTE)

3.73%

3.57%

3.62%

3.75%

Return on assets

0.89%

0.76%

0.78%

0.81%

Return on equity

9.40%

8.75%

8.74%

9.52%

*Consolidated earnings for SB Financial include the results of the Company's Banking Group, consisting primarily of The State Bank and Trust Company ("State Bank" or the "Bank"), and the Company's data services subsidiary, Rurbanc Data Services, Inc. (dba RDSI Banking Systems) (RDSI).