Call reports 2004
NICOLET NATIONAL BANK — 2004
What NICOLET NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 366,678,000 | 374,700,000 | 369,136,000 | 382,267,000 |
| Total loans | 295,917,000 | 301,444,000 | 302,699,000 | 312,207,000 |
| Allowance for loan losses | 3,466,000 | 3,419,000 | 3,706,000 | 4,189,000 |
| Securities available for sale | 27,199,000 | 30,876,000 | 31,249,000 | 32,254,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,850,000 | 329,732,000 | 329,895,000 | 335,515,000 |
| Interest-bearing deposits | 288,525,000 | 296,988,000 | 291,859,000 | 295,925,000 |
| Noninterest-bearing deposits | 40,325,000 | 32,744,000 | 38,036,000 | 39,590,000 |
| Equity capital | 33,071,000 | 33,930,000 | 35,313,000 | 36,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,019,000 | 8,303,000 | 12,901,000 | 17,716,000 |
| Interest expense | 1,717,000 | 3,520,000 | 5,328,000 | 7,186,000 |
| Net interest income | 2,302,000 | 4,783,000 | 7,573,000 | 10,530,000 |
| Noninterest income | 860,000 | 1,879,000 | 2,609,000 | 3,385,000 |
| Noninterest expense | 2,066,000 | 4,241,000 | 6,456,000 | 8,807,000 |
| Provision for loan losses | 763,000 | 1,625,000 | 2,300,000 | 2,975,000 |
| Pretax income | 409,000 | 872,000 | 1,502,000 | 2,209,000 |
| Income tax | 135,000 | 249,000 | 420,000 | 619,000 |
| Net income | 274,000 | 623,000 | 1,082,000 | 1,590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,220,000 | 33,887,000 | 34,863,000 | 35,889,000 |
| Total capital | 35,686,000 | 37,306,000 | 38,569,000 | 39,947,000 |
| Risk-weighted assets | 292,965,000 | 307,304,000 | 308,652,000 | 324,521,000 |
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