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$46.50FBIZ(NASDAQ)
$(0.09)  (0.19)% Change
5,578Volume
($M) 201.62Market 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)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,280,767980,95130.561,041,81691.74
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve14,32913,9013.0813,93011.46
Net Loans Receivable1,266,438967,05030.961,027,88692.83
Intangible Assets11,0020NM0NM
Total Assets1,629,3871,268,65528.431,427,56756.55
Deposits1,438,2681,129,85527.301,269,20053.28
Debt, Senior and Subordinated44,30922,25199.1333,251133.02
Common Equity137,748109,27526.06118,19266.18
Total Shareholders' Equity137,748109,27526.06118,19266.18
Shares Outstanding (actual)4,335,9273,943,9979.943,959,11538.07
Income Statement ($000)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Net Interest Income13,59510,98423.7710,93597.30
Provision for Loan Losses1,236(1,202)NM(89)NM
Noninterest Income2,9652,19135.332,45982.31
Noninterest Expense9,5618,55611.757,94381.48
Net Income Before Taxes5,1975,821(10.72)5,436(17.59)
Provision for Taxes1,4532,061(29.50)1,883(91.34)
Net Income3,7443,760(0.43)3,55321.50
Per Share Items ($)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Book Value per Share31.7727.7114.6629.8525.67
Tangible Book Value29.2327.715.5029.85(8.33)
Diluted EPS Before Extra0.890.95(6.32)0.890.00
Diluted EPS After Extra0.890.95(6.32)0.890.00
Dividends Declared0.21000.140050.000.21000.00
Performance Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
ROAA0.951.18(23)1.06(11)
ROAE10.9213.88(296)12.10(118)
Net Interest Margin3.673.6073.4423
Loans / Deposits89.0586.8222382.08696
Efficiency Ratio61.1155.9751460.1596
Balance Sheet Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.838.61(78)8.28(45)
Equity/ Assets8.458.61(16)8.2817
Asset Quality Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.701.28(58)1.12(42)
Loan Loss Reserves/ Gross Loans1.121.42(30)1.34(22)
Loan Loss Reserves/ NPAs106.2483.952,22984.432,181
Net Charge-offs/ Avg Loans0.280.0325(0.00)29
Regulatory Capital Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio9.5210.83(131)10.84(132)
   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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