| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 |
|---|---|---|---|---|
| Loans and leases | 58,500 | 56,621 | 55,274 | 55,506 |
| Securities | 4,011 | 3,783 | 3,404 | 2,976 |
| Short-term investments | 1,235 | 878 | 852 | 845 |
| Total interest income | 63,746 | 61,282 | 59,530 | 59,327 |
| Deposits | 26,338 | 24,257 | 23,016 | 25,290 |
| Federal home loan bank advances and other borrowings | 2,522 | 3,241 | 3,256 | 3,030 |
| Total interest expense | 28,860 | 27,498 | 26,272 | 28,320 |
| Net interest income | 34,886 | 33,784 | 33,258 | 31,007 |
| Provision for credit losses | 1,440 | 2,701 | 2,659 | 2,087 |
| Net interest income after provision for credit losses | 33,446 | 31,083 | 30,599 | 28,920 |
| Loan fees | - | - | 388 | 812 |
| Private wealth management service fees | 3,687 | 3,748 | 3,492 | 3,264 |
| Gain on sale of small business administration loans | 382 | 397 | 963 | 460 |
| Service charges on deposits | 1,151 | 1,103 | - | - |
| Loan fees | 501 | 424 | 1,048 | 920 |
| Bank-owned life insurance income | 965 | 615 | 437 | 416 |
| Net loss on sale of securities | 0 | 0 | - | - |
| Swap fees | 974 | 170 | 113 | 460 |
| Other non-interest income | 1,980 | 798 | 1,138 | 732 |
| Total non-interest income | 9,640 | 7,255 | 7,579 | 7,064 |
| Compensation | 17,442 | 16,534 | 16,747 | 15,198 |
| Occupancy | 567 | 564 | 590 | 585 |
| Professional fees | 1,071 | 1,487 | 1,459 | 1,305 |
| Data processing | 1,123 | 1,368 | 1,082 | 1,045 |
| Marketing | 876 | 1,062 | 968 | 922 |
| Equipment | 296 | 335 | 376 | 333 |
| Computer software | 1,826 | 1,656 | 1,603 | 1,608 |
| Fdic insurance | 817 | 834 | 780 | 810 |
| Other non-interest expense | 1,682 | 1,128 | 1,114 | 1,301 |
| Total non-interest expense | 25,700 | 24,968 | 24,719 | 23,107 |
| Income before income tax expense | 17,386 | 13,370 | 13,459 | 12,877 |
| Income tax expense | 2,993 | 1,948 | 2,288 | 2,351 |
| Net income | 14,393 | 11,422 | 11,171 | 10,526 |
| Preferred stock dividend | 218 | 219 | 219 | 218 |
| Net income available to common shareholders | 14,175 | 11,203 | 10,952 | 10,308 |
| Earnings per share, basic | 1.7 | 1.35 | 1.32 | 1.24 |
| Earnings per share, diluted | 1.7 | 1.35 | 1.32 | 1.24 |
| Weighted average number of shares outstanding, basic | 8,171,404 | 8,141,159 | 8,130,743 | 8,111,215 |
| Weighted average number of shares outstanding, diluted | 8,171,404 | 8,141,159 | 8,130,743 | 8,111,215 |
FIRST BUSINESS FINANCIAL SERVICES, INC. (FBIZ)
FIRST BUSINESS FINANCIAL SERVICES, INC. (FBIZ)