0000000000-24-013609.txt : 20250221 0000000000-24-013609.hdr.sgml : 20250221 20241210153607 ACCESSION NUMBER: 0000000000-24-013609 CONFORMED SUBMISSION TYPE: UPLOAD PUBLIC DOCUMENT COUNT: 2 FILED AS OF DATE: 20241210 FILED FOR: COMPANY DATA: COMPANY CONFORMED NAME: FIRST BUSINESS FINANCIAL SERVICES, INC. CENTRAL INDEX KEY: 0001521951 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] ORGANIZATION NAME: 02 Finance IRS NUMBER: 391576570 STATE OF INCORPORATION: WI FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: UPLOAD SEC FILE NUMBER: 001-34095 BUSINESS ADDRESS: STREET 1: 401 CHARMANY DRIVE CITY: MADISON STATE: WI ZIP: 53719 BUSINESS PHONE: 608-238-8008 MAIL ADDRESS: STREET 1: 401 CHARMANY DRIVE STREET 2: PO BOX 44961 CITY: MADISON STATE: WI ZIP: 53744 FORMER COMPANY: FORMER CONFORMED NAME: First Business Financial Services, Inc. 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P,# P,"!N( HP,# P M,# R-SF4@,30^/@HE:51E>'0M M0V]R92TW+C(N- HE:51E>'0M<&1F2%1-3"TT+C N- IS=&%R='AR968*,C@V ),3$*)25%3T8* end TEXT-EXTRACT 2 filename2.txt December 10, 2024 Brian D. Spielmann Chief Financial Officer First Business Financial Services, Inc. 401 Charmany Drive Madison, WI 53719 Re: First Business Financial Services, Inc. Form 10-K for Fiscal Year Ended December 31, 2023 File No. 001-34095 Dear Brian D. Spielmann: We have limited our review of your filing to the financial statements and related disclosures and have the following comment. Please respond to this letter within ten business days by providing the requested information or advise us as soon as possible when you will respond. If you do not believe this comment applies to your facts and circumstances, please tell us why in your response. After reviewing your response to this letter, we may have additional comments. Form 10-K for Fiscal Year Ended December 31, 2023 Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations Results of Operations Efficiency Ratio and Pre-Tax, Pre-Provision Adjusted Earnings, page 37 1. We note your presentation of pre-tax, pre-provision adjusted return on average assets on page 38, as well as in Exhibit 99.1 to your Form 8-K filed on October 24, 2024. This measure appears to exclude normal recurring operating expenses given the provision for credit loss is a primary expense in the banking industry. Please tell us how this measure is in accordance with Question 100.01 of the Division of Corporation Finance s Compliance & Disclosure Interpretations on Non-GAAP Financial Measures and Rule 100(b) of Regulation G, or remove this measure from your future filings. In closing, we remind you that the company and its management are responsible for the accuracy and adequacy of their disclosures, notwithstanding any review, comments, action or absence of action by the staff. December 10, 2024 Page 2 Please contact Shannon Davis at 202-551-6687 or John Spitz at 202-551-3484 with any questions. Sincerely, Division of Corporation Finance Office of Finance