Investor Relations

Financial Highlights

FIRST BUSINESS FINANCIAL SERVICES, INC. (NASDAQ - FBIZ)

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

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Balance Sheet ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	916,656	831,346	10.26	911,960	2.06
Loans Held for Sale, before Reserves	0	402	NM	0	0.00
Loan Loss Reserve	15,507	14,451	7.31	15,400	2.78
Net Loans Receivable	901,149	817,297	10.26	896,560	2.05
Intangible Assets	0	0	0.00	0	0.00
Total Assets	1,220,287	1,162,045	5.01	1,226,108	(1.90)
Deposits	1,071,786	1,033,789	3.68	1,092,254	(7.50)
Debt, Senior and Subordinated	37,251	51,813	(28.10)	22,720	255.83
Common Equity	102,147	66,434	53.76	99,539	10.48
Total Shareholders' Equity	102,147	66,434	53.76	99,539	10.48
Shares Outstanding (actual)	3,918,758	2,625,288	49.27	3,916,667	0.21

Income Statement ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Net Interest Income	10,229	8,926	14.60	9,431	33.85
Provision for Loan Losses	80	504	(84.13)	844	(362.09)
Noninterest Income	1,953	1,850	5.57	2,696	(110.24)
Noninterest Expense	7,178	6,832	5.06	7,446	(14.40)
Net Income Before Taxes	4,924	3,440	43.14	3,837	113.32
Provision for Taxes	1,680	1,230	36.59	1,308	113.76
Net Income	3,244	2,210	46.79	2,529	113.09

Per Share Items ($)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Book Value per Share	26.07	25.31	3.01	25.41	10.26
Tangible Book Value	26.07	25.31	3.01	25.41	10.26
Diluted EPS Before Extra	0.83	0.84	(1.19)	0.86	(13.95)
Diluted EPS After Extra	0.83	0.84	(1.19)	0.86	(13.95)
Dividends Declared	0.1400	0.0700	100.00	0.0700	400.00

Performance Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
ROAA	1.06	0.74	32	0.84	22
ROAE	12.80	13.43	(63)	12.88	(8)
Net Interest Margin	3.53	3.15	38	3.31	22
Loans / Deposits	85.53	80.42	511	83.49	203
Efficiency Ratio	59.17	61.78	(261)	58.46	71

Balance Sheet Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	8.37	5.72	265	8.12	25
Equity/ Assets	8.37	5.72	265	8.12	25
Asset Quality Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Nonperforming Assets/ Assets	1.03	1.96	(93)	1.28	(25)
Loan Loss Reserves/ Gross Loans	1.69	1.74	(5)	1.69	0
Loan Loss Reserves/ NPAs	112.17	63.30	4,888	91.66	2,051
Net Charge-offs/ Avg Loans	(0.01)	0.10	(11)	0.07	(8)

Regulatory Capital Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tier 1 Capital Ratio	10.77	8.21	256	10.54	23

^† 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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