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Financial HighlightsFIRST BUSINESS FINANCIAL SERVICES, INC. (NASDAQ - FBIZ)  
Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,007,736947,9156.31985,3199.10
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve14,01515,202(7.81)14,101(2.44)
Net Loans Receivable993,721932,7136.54971,2189.27
Intangible Assets000.0000.00
Total Assets1,306,5031,276,0692.381,273,77210.28
Deposits1,166,6971,142,9792.081,136,70010.56
Debt, Senior and Subordinated18,25122,251(17.98)18,2510.00
Common Equity115,648103,23812.02112,19512.31
Total Shareholders' Equity115,648103,23812.02112,19512.31
Shares Outstanding (actual)3,945,2203,918,3470.693,944,7950.04
Income Statement ($000)
2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Net Interest Income10,79910,1935.9510,801(0.07)
Provision for Loan Losses(91)54NM180NM
Noninterest Income2,3582,1748.462,3216.38
Noninterest Expense7,4297,490(0.81)7,852(21.55)
Net Income Before Taxes5,4994,82314.025,09032.14
Provision for Taxes1,9941,69017.991,75354.99
Net Income3,5053,13311.873,33720.14
Per Share Items ($)
2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Book Value per Share29.3126.3511.2628.4412.27
Tangible Book Value29.3126.3511.2628.4412.27
Diluted EPS Before Extra0.880.8010.000.8419.05
Diluted EPS After Extra0.880.8010.000.8419.05
Dividends Declared0.21000.140050.000.21000.00
Performance Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
ROAA1.091.0271.063
ROAE12.2912.052412.0128
Net Interest Margin3.523.4663.58(6)
Loans / Deposits86.3882.9334486.68(31)
Efficiency Ratio58.8759.93(106)59.84(97)
Balance Sheet Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.858.09768.814
Equity/ Assets8.858.09768.814
Asset Quality Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.110.93181.13(2)
Loan Loss Reserves/ Gross Loans1.391.60(21)1.43(4)
Loan Loss Reserves/ NPAs92.75118.01(2,526)93.83(108)
Net Charge-offs/ Avg Loans(0.00)0.15(16)(0.01)1
Regulatory Capital Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio10.8910.741510.96(7)
   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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