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$25.88FBIZ(NASDAQ)
$0.31  1.21% Change
8,001Volume
($M) 226.83Market Value

Financial Highlights

Trend Analysis--Quarterly (click here for Annual Analysis)

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
 2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,501,5951,450,6753.511,466,7139.51
Loans Held for Sale, before Reserves2,1941,11197.480NM
Loan Loss Reserve18,76320,912(10.28)19,923(23.29)
Net Loans Receivable1,485,0261,430,8743.781,446,79010.57
Intangible Assets10,81410,867(0.49)10,828(0.52)
Total Assets1,794,0661,780,6990.751,785,6561.88
Deposits1,394,3311,538,855(9.39)1,423,724(8.26)
Debt, Senior and Subordinated217,91769,680212.74177,89989.98
Common Equity169,278161,6504.72166,7815.99
Total Shareholders' Equity169,278161,6504.72166,7815.99
Shares Outstanding (actual)8,763,5398,715,8560.558,758,9230.21
Income Statement ($000)
 2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Net Interest Income15,35816,753(8.33)14,88312.77
Provision for Loan Losses473994(52.41)1,471(271.38)
Noninterest Income3,9343,9280.154,334(36.92)
Noninterest Expense12,36013,629(9.31)14,231(52.59)
Net Income Before Taxes3,5515,167(31.28)3,5203.52
Provision for Taxes(486)1,199NM936NM
Net Income4,0373,9681.742,584224.92
Per Share Items ($)
 2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Book Value per Share19.3218.554.1519.045.77
Tangible Book Value18.0817.304.5217.816.23
Diluted EPS Before Extra0.460.460.000.30213.33
Diluted EPS After Extra0.460.460.000.30213.33
Dividends Declared0.13000.12008.330.13000.00
Performance Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
ROAA0.910.8920.5833
ROAE9.579.82(25)6.22335
Net Interest Margin3.633.91(28)3.5211
Loans / Deposits107.6994.271,342103.02467
Efficiency Ratio63.2357.5257166.56(333)
Balance Sheet Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.898.52378.7910
Equity/ Assets9.449.08369.3410
Asset Quality Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.531.5032.01(48)
Loan Loss Reserves/ Gross Loans1.251.44(19)1.36(11)
Loan Loss Reserves/ NPAs67.5276.37(885)55.201,232
Net Charge-offs/ Avg Loans0.450.04400.88(43)
Regulatory Capital Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio9.459.26199.432
   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.



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