Call reports 2003
NICOLET NATIONAL BANK — 2003
What NICOLET NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 282,182,000 | 301,521,000 | 309,241,000 | 336,954,000 |
| Total loans | 239,766,000 | 255,844,000 | 257,352,000 | 263,595,000 |
| Allowance for loan losses | 2,865,000 | 3,145,000 | 3,348,000 | 3,110,000 |
| Securities available for sale | 21,332,000 | 23,399,000 | 29,773,000 | 29,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,373,000 | 266,182,000 | 273,326,000 | 289,675,000 |
| Interest-bearing deposits | 217,804,000 | 235,654,000 | 241,495,000 | 247,090,000 |
| Noninterest-bearing deposits | 26,569,000 | 30,528,000 | 31,831,000 | 42,585,000 |
| Equity capital | 28,005,000 | 29,913,000 | 31,050,000 | 31,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,430,000 | 7,252,000 | 11,047,000 | 15,011,000 |
| Interest expense | 1,781,000 | 3,642,000 | 5,480,000 | 7,215,000 |
| Net interest income | 1,649,000 | 3,610,000 | 5,567,000 | 7,796,000 |
| Noninterest income | 634,000 | 1,476,000 | 2,331,000 | 2,906,000 |
| Noninterest expense | 1,495,000 | 3,221,000 | 5,116,000 | 7,124,000 |
| Provision for loan losses | 448,000 | 1,110,000 | 1,722,000 | 2,335,000 |
| Pretax income | 376,000 | 1,050,000 | 1,355,000 | 1,538,000 |
| Income tax | 128,000 | 373,000 | 458,000 | 515,000 |
| Net income | 248,000 | 677,000 | 897,000 | 1,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,704,000 | 29,633,000 | 30,853,000 | 30,629,000 |
| Total capital | 30,569,000 | 32,778,000 | 34,194,000 | 33,739,000 |
| Risk-weighted assets | 240,211,000 | 260,266,000 | 267,242,000 | 275,083,000 |
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