November 23, 2004

First Business Financial Services, Inc. Announces 3rd Quarter Results

MADISON, November 23, 2004 - First Business Financial Services, Inc., holding company of First Business Bank, announced 3rd quarter results for 2004.

First Business Financial Services reported net income of $2.8 million for the third quarter of 2004, as compared to $3.0 million for the 3rd quarter ended September 30, 2003. Fully diluted earnings per share for the third quarter of 2004 was $1.15. This compares to $1.43 for the same period in 2003. Total assets for the company on September 30, 2004 were $557.1 million, an increase of 8.3% or $43.0 million from September 30, 2003. Return on average assets for this period was .70%. Return on average equity was 12.34%.


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