First Business Bank

First Business Bank is headquartered in Madison and is the 13^st largest bank in the state of Wisconsin. It is also the 688^th largest bank in the nation. It was established in 1909 and as of March of 2012, it had grown to 65 employees at 3 locations. First Business Bank has a 4-star health rating.

First Business Bank Routing Number: 075905787

Data for Q1 2012

First Business Bank consists of multiple companies with separate FDIC numbers. Click on an FDIC number to view the health for that company:

15229 - First Business Bank
35445 - First Business Bank-Milwaukee

Institution Statistics First Business Bank FDIC Certificate # 15229 BankRate Report View Year Established 1909 Employees 65 Primary Regulator FDIC Assets and Liabilities Assets $960.89 million Loans $726.01 million Deposits $849.68 million Equity Capital $103.76 million Loan Loss Allowance $12.84 million Unbacked Noncurrent Loans $17.32 million Real Estate Owned $1.11 million Historic Data - March 2011 Assets $967.07 million Equity Capital $92.82 million Loan Loss Allowance $14.19 million Unbacked Noncurrent Loans $33.91 million Real Estate Owned $1.02 million Profit Margin - Quarterly Net Interest Margin 3.84% Return on Assets 1.14% Return on Equity 10.95% Interest Income $12.20 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 First Business Bank had $18.43 million in non-current loans and owned real-estate with $116.6 million in equity and loan loss allowances on hand to cover it. This gives First Business Bank a Texas Ratio of 15.80% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Business Bank decreased significantly from 32.65% as of March 31, 2011 to 15.80% as of March 31, 2012, resulting in a positive change of 51.59%.This indicates that the balance sheet and financial strength for First Business Bank has improved significantly in recent periods. Deposit Growth In the past year, First Business Bank has decreased its total deposits by -$16.26 million, resulting in -1.88% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Business Bank has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Business Bank has $960.89 million in assets with $116.6 million in equity, resulting in a capitalization level of 12.13%, which is excellent.

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