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$23.88FBIZ(NASDAQ)
$1.11  4.87% Change
53,413Volume
($M) 207.92Market 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)
 2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,458,2971,377,1725.891,451,8151.79
Loans Held for Sale, before Reserves2,6272,910(9.73)5,548(210.60)
Loan Loss Reserve20,06715,35930.6518,15442.15
Net Loans Receivable1,440,8571,364,7235.581,439,2090.46
Intangible Assets10,88310,947(0.58)10,898(0.55)
Total Assets1,772,4381,743,3271.671,819,069(10.25)
Deposits1,566,1991,539,3701.741,607,944(10.38)
Debt, Senior and Subordinated39,94745,843(12.86)43,567(33.24)
Common Equity159,931147,9678.09158,3943.88
Total Shareholders' Equity159,931147,9678.09158,3943.88
Shares Outstanding (actual)8,717,2998,698,7550.218,703,9420.61
Income Statement ($000)
 2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Net Interest Income15,29514,6104.6915,741(11.33)
Provision for Loan Losses3,5372871,132.402,762112.24
Noninterest Income3,6404,102(11.26)5,816(149.66)
Noninterest Expense12,43911,9843.8013,458(30.29)
Net Income Before Taxes(355)6,441NM5,344NM
Provision for Taxes(2,895)2,060NM1,628NM
Net Income2,5404,381(42.02)3,716(126.59)
Per Share Items ($)
 2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Book Value per Share18.3517.017.8618.203.26
Tangible Book Value17.1015.758.5516.953.59
Diluted EPS Before Extra0.290.50(42.00)0.43(130.23)
Diluted EPS After Extra0.290.50(42.00)0.43(130.23)
Dividends Declared0.12000.11009.090.12000.00
Performance Ratios (%)
 2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
ROAA0.561.02(46)0.81(25)
ROAE6.3811.93(555)9.43(305)
Net Interest Margin3.503.61(11)3.59(9)
Loans / Deposits93.1189.4636590.29282
Efficiency Ratio63.6364.82(119)61.49214
Balance Sheet Ratios (%)
 2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.467.91558.1630
Equity/ Assets9.028.49548.7132
Asset Quality Ratios (%)
 2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.540.65891.3321
Loan Loss Reserves/ Gross Loans1.371.11261.2513
Loan Loss Reserves/ NPAs71.7480.03(829)72.57(83)
Net Charge-offs/ Avg Loans0.440.04410.359
Regulatory Capital Ratios (%)
 2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio9.028.9579.08(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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