SFSB (SFBI) Scaled Net Operating Assets : 0.29 (As of Mar. 2009)

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What is SFSB Scaled Net Operating Assets?

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

SFSB's operating assets for the quarter that ended in Mar. 2009 was $181.21 Mil. SFSB's operating liabilities for the quarter that ended in Mar. 2009 was $129.69 Mil. SFSB's Total Assets for the quarter that ended in Dec. 2008 was $178.88 Mil. Therefore, SFSB's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2009 was 0.29.

SFSB Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

SFSB's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2008 is calculated as

	Scaled Net Operating Assets (SNOA)		(A: Dec. 2008 )
=	(Operating Assets (A: Dec. 2008 )	-	Operating Liabilities (A: Dec. 2008 ))	/	Total Assets (A: Dec. 2007 )
=	(177.26	-	124.112)	/	172.244
=	0.31

where

	Operating Assets		(A: Dec. 2008 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	178.882	-	1.622
=	177.26

	Operating Liabilities		(A: Dec. 2008 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	159.745	-	25	-	10.633
=	124.112

SFSB's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2009 is calculated as

	Scaled Net Operating Assets (SNOA)		(Q: Mar. 2009 )
=	(Operating Assets (Q: Mar. 2009 )	-	Operating Liabilities (Q: Mar. 2009 ))	/	Total Assets (Q: Dec. 2008 )
=	(181.214	-	129.691)	/	178.882
=	0.29

where

	Operating Assets		(Q: Mar. 2009 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	183.847	-	2.633
=	181.214

	Operating Liabilities		(Q: Mar. 2009 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	165.01	-	25	-	10.319
=	129.691

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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SFSB (SFBI) Business Description

Industry

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Traded in Other Exchanges

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Address

1614 Churchville Road, Bel Air, MD, USA, 21015

Website

http://www.slavie.com

SFSB Inc is a holding company engaged in the business of attracting deposits and investing those funds, together with funds generated from operations and borrowings in residential real estate & commercial mortgage loans.