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$25.72FBIZ(NASDAQ)
$0.33  1.28% Change
1,372Volume
($M) 224.20Market 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)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,450,6751,430,9651.381,458,297(2.09)
Loans Held for Sale, before Reserves1,1112,702(58.88)2,627(230.83)
Loan Loss Reserve20,91216,31628.1720,06716.84
Net Loans Receivable1,430,8741,417,3510.951,440,857(2.77)
Intangible Assets10,86710,930(0.58)10,883(0.59)
Total Assets1,780,6991,782,081(0.08)1,772,4381.86
Deposits1,538,8551,577,231(2.43)1,566,199(6.98)
Debt, Senior and Subordinated69,68044,73055.7839,947297.72
Common Equity161,650150,8327.17159,9314.30
Total Shareholders' Equity161,650150,8327.17159,9314.30
Shares Outstanding (actual)8,715,8568,699,4100.198,717,299(0.07)
Income Statement ($000)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Net Interest Income16,75314,91212.3515,29538.13
Provision for Loan Losses9941,895(47.55)3,537(287.59)
Noninterest Income3,9284,935(20.41)3,64031.65
Noninterest Expense13,62911,68416.6512,55334.29
Net Income Before Taxes5,1676,268(17.57)(355)NM
Provision for Taxes1,1992,185(45.13)(3,020)NM
Net Income3,9684,083(2.82)2,665195.57
Per Share Items ($)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Book Value per Share18.5517.346.9718.354.37
Tangible Book Value17.3016.087.5717.104.72
Diluted EPS Before Extra0.460.47(2.13)0.31193.55
Diluted EPS After Extra0.460.47(2.13)0.31193.55
Dividends Declared0.12000.11009.090.12000.00
Performance Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
ROAA0.890.93(4)0.5930
ROAE9.8210.85(103)6.69313
Net Interest Margin3.913.63283.5041
Loans / Deposits94.2790.7335493.11116
Efficiency Ratio57.5258.75(123)63.63(611)
Balance Sheet Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.527.90628.466
Equity/ Assets9.088.46619.025
Asset Quality Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.501.35151.54(4)
Loan Loss Reserves/ Gross Loans1.441.14301.377
Loan Loss Reserves/ NPAs76.3763.461,29171.74463
Net Charge-offs/ Avg Loans0.040.27(23)0.44(40)
Regulatory Capital Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio9.268.81459.0224
   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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