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$23.07FBIZ(NASDAQ)
$(0.15)  (0.65)% Change
11,876Volume
($M) 201.13Market 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 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,480,9711,448,5862.241,450,6758.35
Loans Held for Sale, before Reserves3,9241,697131.231,1111,012.78
Loan Loss Reserve21,66616,68429.8620,91214.42
Net Loans Receivable1,463,2291,433,5992.071,430,8749.04
Intangible Assets10,85410,914(0.55)10,867(0.48)
Total Assets1,800,5901,790,1320.581,780,6994.47
Deposits1,492,7141,581,588(5.62)1,538,855(11.99)
Debt, Senior and Subordinated131,84945,004192.9769,680356.88
Common Equity164,134155,1995.76161,6506.15
Total Shareholders' Equity164,134155,1995.76161,6506.15
Shares Outstanding (actual)8,718,3078,700,1720.218,715,8560.11
Income Statement ($000)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Net Interest Income14,88815,539(4.19)16,753(44.53)
Provision for Loan Losses5725258.95994(169.82)
Noninterest Income4,0634,594(11.56)3,92813.75
Noninterest Expense13,56012,6996.7813,629(2.03)
Net Income Before Taxes4,8196,909(30.25)5,167(26.94)
Provision for Taxes1,4222,356(39.64)1,19974.40
Net Income3,3974,553(25.39)3,968(57.56)
Per Share Items ($)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Book Value per Share18.8317.845.5418.556.03
Tangible Book Value17.5816.586.0117.306.51
Diluted EPS Before Extra0.390.52(25.00)0.46(60.87)
Diluted EPS After Extra0.390.52(25.00)0.46(60.87)
Dividends Declared0.13000.12008.330.120033.33
Performance Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
ROAA0.771.00(23)0.89(12)
ROAE8.3111.70(339)9.82(151)
Net Interest Margin3.513.59(8)3.91(40)
Loans / Deposits99.2191.5976294.27494
Efficiency Ratio70.8562.4484157.521,333
Balance Sheet Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.568.11458.524
Equity/ Assets9.128.67459.084
Asset Quality Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets2.171.091081.5067
Loan Loss Reserves/ Gross Loans1.461.15311.442
Loan Loss Reserves/ NPAs54.5878.82(2,424)76.37(2,178)
Net Charge-offs/ Avg Loans(0.05)0.04(9)0.04(9)
Regulatory Capital Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio9.168.96209.26(10)
   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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