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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)
2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves980,951911,9607.57956,34510.29
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve13,90115,400(9.73)15,185(33.82)
Net Loans Receivable967,050896,5607.86941,16011.00
Intangible Assets000.0000.00
Total Assets1,268,6551,226,1083.471,264,9391.18
Deposits1,129,8551,092,2543.441,128,3310.54
Debt, Senior and Subordinated22,25122,720(2.06)22,2510.00
Common Equity109,27599,5399.78106,09911.97
Total Shareholders' Equity109,27599,5399.78106,09911.97
Shares Outstanding (actual)3,943,9973,916,6670.703,938,4230.57
Income Statement ($000)
2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Net Interest Income10,9849,43116.4710,69910.66
Provision for Loan Losses(1,202)844NM109NM
Noninterest Income2,1912,696(18.73)2,12412.62
Noninterest Expense8,5567,44614.917,14778.86
Net Income Before Taxes5,8213,83751.715,56718.25
Provision for Taxes2,0611,30857.571,95821.04
Net Income3,7602,52948.683,60916.74
Per Share Items ($)
2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Book Value per Share27.7125.419.0226.9411.39
Tangible Book Value27.7125.419.0226.9411.39
Diluted EPS Before Extra0.950.8610.470.9117.58
Diluted EPS After Extra0.950.8610.470.9117.58
Dividends Declared0.14000.0700100.000.14000.00
Performance Ratios (%)
2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
ROAA1.180.84341.144
ROAE13.8812.8810013.7315
Net Interest Margin3.603.31293.564
Loans / Deposits86.8283.4933384.76206
Efficiency Ratio55.9758.46(249)56.11(14)
Balance Sheet Ratios (%)
2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.618.12508.3923
Equity/ Assets8.618.12508.3923
Asset Quality Ratios (%)
2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.281.2800.8246
Loan Loss Reserves/ Gross Loans1.421.69(27)1.59(17)
Loan Loss Reserves/ NPAs83.9591.66(771)136.69(5,274)
Net Charge-offs/ Avg Loans0.030.07(3)0.05(2)
Regulatory Capital Ratios (%)
2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio10.8310.542910.89(6)
   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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