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Contact Information
Sound Financial Bancorp, Inc.
2400 3rd Avenue
Suite 150
Seattle, WA 98121
(206) 448-0884

Transfer Agent
Broadridge Corporate Issuer Solutions, Inc.
1717 Arch Street, Suite 1300
Philadelphia, PA 19103

Shareholder Inquiries:
1-877-830-4936
Fax: (215) 553-5402
E-mail: shareholder@broadridge.com
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 715,319 715,323 0 685,956 17.12
Total Net Loans 608,929 612,177 (0.53) 560,719 34.39
Total Deposits 609,621 539,832 12.93 579,502 20.79
Equity Attributable to Parent Company 76,016 70,130 8.39 74,565 7.78
Total Equity 76,016 70,130 8.39 74,565 7.78
Profitability (%)
Net Income($000) 1,548 1,830 (15.41) 1,817 (59.22)
Net Income Attributable to Parent($000) 1,548 1,830 (15.41) 1,817 (59.22)
ROAA 0.89 1.04 (15) bp 1.06 (17) bp
Core ROAA 0.89 0.84 5 bp 1.06 (17) bp
ROAE 8.17 10.52 (235) bp 9.82 (165) bp
ROATCE NA 10.86 NA NA NA
Core ROAE 8.17 8.47 (30) bp 9.82 (165) bp
Net Interest Margin 3.95 4.07 (12) bp 3.97 (2) bp
Reported: Net Interest Margin 3.95 4.07 (12) bp 3.97 (2) bp
Efficiency Ratio 71.57 73.78 (221) bp 71.50 7 bp
Noninterest Inc/ Operating Rev 15.58 13.21 237 bp 13.11 247 bp
Balance Sheet Ratios (%)
Loans/ Deposits 100.54 114.34 (1,380) bp 97.56 298 bp
Securities/ Assets 1.29 1.35 (6) bp 0.94 35 bp
Total Equity/ Total Assets 10.63 9.80 83 bp 10.87 (24) bp
Tangible Equity/ Tangible Assets 10.51 9.67 84 bp 10.75 (24) bp
Tang Common Equity/ Tang Assets 10.51 9.67 84 bp 10.75 (24) bp
Asset Quality (%)
NPAs/ Assets NA 0.93 NA 0.87 NA
NPA Excl Restructured/ Assets 0.63 0.44 19 bp 0.60 3 bp
NPAs & 90+ PD/ Assets NA NA NA 0.87 NA
NPAs/ Loans & REO NA 1.07 NA 1.05 NA
Nonaccrual & 90+ & OREO/ Assets 0.63 NA NA 0.60 3 bp
NPAs & 90+ PD/ Loans & REO NA NA NA 1.05 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA NA 7.51 NA
NCOs/ Avg Loans 0 0 0 bp 0 0 bp
Loan Loss Reserves/ Gross Loans 0.91 0.93 (2) bp 0.95 (4) bp
Reserves/ NPAs NA 86.61 NA 90.48 NA
Loan Loss Provision/ NCO NM NM NM NM NM
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($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) 11.21 11.96 (75) bp 12.79 (158) bp
Tier 1 Ratio(%) 11.21 11.96 (75) bp 12.79 (158) bp
Total Capital Ratio(%) 12.10 13 (90) bp 13.78 (168) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.80 9.87 93 bp 10.76 4 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 2,567,946 2,539,814 1.11 2,563,488 0.70
Avg Diluted Shares(actual) 2,578,287 2,569,535 0.34 2,572,190 0.95
Basic Book Value per Share 29.60 27.61 7.21 29.09 7.01
Basic Tangible Book Value per Share 29.23 27.21 7.42 28.72 7.10
Common Dividends Declared per Share 0.14 0.14 0 0.14 0
EPS after Extra 0.60 0.71 (15.49) 0.71 (61.97)
EPS after Extra Growth(%) (15.50) 47.90 (6,341) bp (7.80) (770) bp
Core EPS 0.60 0.57 5.26 0.71 (61.97)
Core EPS Growth(%) 5 16.50 (1,150) bp (9.20) 1,417 bp
Diluted EPS before Amortization NA 0.72 NA NA NA
Pre-Provision Earnings per Share 0.67 0.62 8.06 0.64 18.75

   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.