Nicolet National Bank

Nicolet National Bank is headquartered in Green Bay and is the 27^th largest bank in the state of Wisconsin. It is also the 1,065^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 153 employees at 10 locations. Nicolet National Bank's savings rates are 73% higher than the national average, and it has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Nicolet National Bank FDIC Certificate # 57038 BankRate Report View Year Established 2000 Employees 153 Primary Regulator OCC Assets and Liabilities Assets $625.17 million Loans $486.38 million Deposits $521.68 million Equity Capital $73.85 million Loan Loss Allowance $5.97 million Unbacked Noncurrent Loans $17.47 million Real Estate Owned $260,000 Historic Data - March 2011 Assets $626.31 million Equity Capital $65.01 million Loan Loss Allowance $7.98 million Unbacked Noncurrent Loans $10.88 million Real Estate Owned $1.51 million Profit Margin - Quarterly Net Interest Margin 3.61% Return on Assets 0.38% Return on Equity 3.36% Interest Income $6.90 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Nicolet National Bank had $17.73 million in non-current loans and owned real-estate with $79.82 million in equity and loan loss allowances on hand to cover it. This gives Nicolet National Bank a Texas Ratio of 22.21% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Nicolet National Bank increased slightly from 16.98% as of March 31, 2011 to 22.21% as of March 31, 2012, resulting in a negative change of 30.85%. This indicates that the balance sheet and financial strength for Nicolet National Bank has declined slightly in recent periods. Deposit Growth In the past year, Nicolet National Bank has decreased its total deposits by -$9.68 million, resulting in -1.82% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Nicolet National Bank has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Nicolet National Bank has $625.16 million in assets with $79.82 million in equity, resulting in a capitalization level of 12.77%, which is excellent.

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