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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 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,041,816956,3458.941,007,73613.53
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve13,93015,185(8.26)14,015(2.43)
Net Loans Receivable1,027,886941,1609.21993,72113.75
Intangible Assets000.0000.00
Total Assets1,427,5671,264,93912.861,306,50337.07
Deposits1,269,2001,128,33112.481,166,69735.14
Debt, Senior and Subordinated33,25122,25149.4418,251328.75
Common Equity118,192106,09911.40115,6488.80
Total Shareholders' Equity118,192106,09911.40115,6488.80
Shares Outstanding (actual)3,959,1153,938,4230.533,945,2201.41
Income Statement ($000)
2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Net Interest Income10,93510,6992.2110,7995.04
Provision for Loan Losses(89)109NM(91)(8.79)
Noninterest Income2,4592,12415.772,35817.13
Noninterest Expense7,9437,14711.147,42927.68
Net Income Before Taxes5,4365,567(2.35)5,499(4.58)
Provision for Taxes1,8831,958(3.83)1,994(22.27)
Net Income3,5533,609(1.55)3,5055.48
Per Share Items ($)
2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Book Value per Share29.8526.9410.8229.317.36
Tangible Book Value29.8526.9410.8229.317.36
Diluted EPS Before Extra0.890.91(2.20)0.884.55
Diluted EPS After Extra0.890.91(2.20)0.884.55
Dividends Declared0.21000.140050.000.21000.00
Performance Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
ROAA1.061.14(8)1.09(3)
ROAE12.1013.73(163)12.29(19)
Net Interest Margin3.443.56(12)3.52(8)
Loans / Deposits82.0884.76(267)86.38(429)
Efficiency Ratio60.1556.1140458.87128
Balance Sheet Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.288.39(11)8.85(57)
Equity/ Assets8.288.39(11)8.85(57)
Asset Quality Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.120.82301.111
Loan Loss Reserves/ Gross Loans1.341.59(25)1.39(5)
Loan Loss Reserves/ NPAs84.43136.69(5,226)92.75(832)
Net Charge-offs/ Avg Loans(0.00)0.05(6)(0.00)0
Regulatory Capital Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio10.8410.89(5)10.89(5)
   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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