Performance Ratios (%) FBIZ Peer Median Peer Average
ROAA 0.82 0.95 0.97
ROAE 9.40 9.68 9.72
Net Interest Margin 3.64 3.60 3.64
Efficiency Ratio 64.12 60.87 61.18
Loans / Deposits 94.27 92.92 92.34
Asset Quality Ratios (%)
NPAs / Assets 1.54 0.67 0.89
NCOs / Avg Loans 0.22 0.05 0.07
Reserves / Loans 1.44 1.02 1.01
Reserves / NPAs 76.37 100.52 132.41
Capital Ratios (%)
Tier 1 Capital 9.26 11.89 12.37
Tangible Equity / Tangible Assets 8.52 9.05 9.46
Total Equity / Total Assets 9.08 9.99 10.12
Market Ratios
Price / Earnings (x) 16.47 21.10 21.49
Price / Book (%) 151.83 185.72 190.22
Dividend Yield (%) 1.85 1.16 1.11
Data for trailing four quarters

First Business Financial Services, Inc.'s peer group consists of the following: Atlantic Capital Bancshares, Inc. (ACBI), CapStar Financial Holdings, Inc. (CSTR), Civista Bancshares, Inc. (CIVB), CoBiz Financial Inc. (COBZ), Community Financial Corporation (TCFC), First Community Corporation (FCCO), First Community Financial Partners, Inc. (FCFP), First Financial Northwest, Inc. (FFNW), Franklin Financial Network, Inc. (FSB), Guaranty Bancorp (GBNK), Macatawa Bank Corporation (MCBC), Mercantile Bank Corporation (MBWM), Mid Penn Bancorp, Inc. (MPB), National Commerce Corporation (NCOM), Old Line Bancshares, Inc. (OLBK), Paragon Commercial Corporation (PBNC), Park Sterling Corporation (PSTB), People's Utah Bancorp (PUB), QCR Holdings, Inc. (QCRH), Southern National Bancorp of Virginia, Inc. (SONA), Southwest Bancorp, Inc. (OKSB), Stock Yards Bancorp, Inc. (SYBT), West Bancorporation, Inc. (WTBA)

First Business Financial Services, Inc.'s financial data is as of 12/31/2016.

Peer financial data is as of 12/31/2016 except for these companies:

Stock Yards Bancorp, Inc.'s financial data is as of 3/31/2017.
Southwest Bancorp, Inc.'s financial data is as of 3/31/2017.
Mid Penn Bancorp, Inc.'s financial data is as of 3/31/2017.
QCR Holdings, Inc.'s financial data is as of 3/31/2017.
First Community Corporation's financial data is as of 3/31/2017.
Community Financial Corporation's financial data is as of 3/31/2017.
Mercantile Bank Corporation's financial data is as of 3/31/2017.
Old Line Bancshares, Inc.'s financial data is as of 3/31/2017.
Guaranty Bancorp's financial data is as of 3/31/2017.
First Community Financial Partners, Inc.'s financial data is as of 3/31/2017.
National Commerce Corporation's financial data is as of 3/31/2017.