Call reports 2005
NICOLET NATIONAL BANK — 2005
What NICOLET NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 403,065,000 | 420,693,000 | 437,091,000 | 457,160,000 |
| Total loans | 323,314,000 | 350,775,000 | 342,479,000 | 347,274,000 |
| Allowance for loan losses | 4,263,000 | 4,394,000 | 4,717,000 | 4,835,000 |
| Securities available for sale | 33,269,000 | 34,622,000 | 34,454,000 | 46,322,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,488,000 | 377,961,000 | 389,604,000 | 408,733,000 |
| Interest-bearing deposits | 320,726,000 | 348,440,000 | 350,117,000 | 362,852,000 |
| Noninterest-bearing deposits | 35,762,000 | 29,521,000 | 39,487,000 | 45,881,000 |
| Equity capital | 37,127,000 | 39,141,000 | 40,150,000 | 39,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,112,000 | 10,899,000 | 17,181,000 | 24,097,000 |
| Interest expense | 2,075,000 | 4,726,000 | 7,694,000 | 10,870,000 |
| Net interest income | 3,037,000 | 6,173,000 | 9,487,000 | 13,227,000 |
| Noninterest income | 932,000 | 1,851,000 | 3,051,000 | 4,311,000 |
| Noninterest expense | 2,508,000 | 4,955,000 | 7,587,000 | 10,536,000 |
| Provision for loan losses | 420,000 | 840,000 | 1,260,000 | 1,680,000 |
| Pretax income | 1,041,000 | 2,229,000 | 3,691,000 | 5,340,000 |
| Income tax | 355,000 | 749,000 | 1,248,000 | 1,835,000 |
| Net income | 686,000 | 1,480,000 | 2,443,000 | 3,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,992,000 | 39,004,000 | 39,984,000 | 39,564,000 |
| Total capital | 41,212,000 | 43,398,000 | 44,440,000 | 44,172,000 |
| Risk-weighted assets | 337,562,000 | 358,033,000 | 356,242,000 | 368,450,000 |
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