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$23.03FBIZ(NASDAQ)
$(0.05)  (0.22)% Change
8,043Volume
($M) 201.74Market 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)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,466,7131,458,2970.581,458,1752.34
Loans Held for Sale, before Reserves02,627NM3,491NM
Loan Loss Reserve19,92320,067(0.72)21,677(32.37)
Net Loans Receivable1,446,7901,440,8570.411,439,9891.89
Intangible Assets10,82810,883(0.51)10,841(0.48)
Total Assets1,785,6561,772,4380.751,768,9283.78
Deposits1,423,7241,566,199(9.10)1,474,598(13.80)
Debt, Senior and Subordinated177,89939,947345.34116,407211.30
Common Equity166,781159,9314.28165,2343.74
Total Shareholders' Equity166,781159,9314.28165,2343.74
Shares Outstanding (actual)8,758,9238,717,2990.488,715,0632.01
Income Statement ($000)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Net Interest Income14,88315,295(2.69)15,479(15.40)
Provision for Loan Losses1,4713,537(58.41)3,656(239.06)
Noninterest Income4,3343,64019.074,737(34.03)
Noninterest Expense14,23112,55313.3714,1203.14
Net Income Before Taxes3,520(355)NM2,340201.71
Provision for Taxes936(3,020)NM454424.67
Net Income2,5842,665(3.04)1,886148.04
Per Share Items ($)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Book Value per Share19.0418.353.7918.961.72
Tangible Book Value17.8117.104.1417.722.02
Diluted EPS Before Extra0.300.31(3.23)0.22145.45
Diluted EPS After Extra0.300.31(3.23)0.22145.45
Dividends Declared0.13000.12008.330.13000.00
Performance Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
ROAA0.580.59(1)0.4216
ROAE6.226.69(47)4.50172
Net Interest Margin3.523.5023.64(12)
Loans / Deposits103.0293.1199198.89413
Efficiency Ratio66.5663.6329365.39117
Balance Sheet Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.798.46338.781
Equity/ Assets9.349.02329.340
Asset Quality Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets2.011.54472.25(24)
Loan Loss Reserves/ Gross Loans1.361.37(2)1.48(12)
Loan Loss Reserves/ NPAs55.2071.74(1,654)53.59161
Net Charge-offs/ Avg Loans0.880.44430.99(11)
Regulatory Capital Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio9.439.02419.3310
   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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