Nicolet National Bank

111 N. Washington Street
Green Bay, WI 54301
www.nicoletbank.com

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Nicolet National Bank is headquartered in Green Bay and is the 28^th largest bank in the state of Wisconsin. It is also the 1,006^th largest bank in the nation. It was established in 2000 and as of March of 2013, it had grown to 168 employees at 11 locations. Nicolet National Bank has a 5-star health rating.

Nicolet Bank Changes Order Of Processing Transactions Effective 4/15/13 (Forum) - 3/28/2013

The following notification was included in the statement for the Real Reward Checking account ending 3/13/13: "Effective April 15th, our payment order of items will change. Our policy will be to process wire transfers first, ATM and debit ca

Nicolet Bank Changes RCA Cap And Qualification Cycle (Forum) - 3/28/2013

The following changes are effective April 1, 2013: 1) The Real Reward Checking account is changing from (3.0%, $25k) to (3.0%, $15k). 2) The qualification cycle is changing to begin on the last business day of the month through the business

High-Yield Reward Checking Account at Nicolet National Bank in WI & MI - 12/2/2011

I had missed this before the holidays, but it looks like a new reward checking account with a competitive rate and balance cap. It's being offered by Nicolet National Bank in Wisconsin. There are some ...

Rewards Checking (Forum) - 11/19/2011

Saw this on FW--appears to be open to all. 3.00% up to 25k with 10 debits, DD, and e-statements. Looks like they are in Wisconsin...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Nicolet National Bank Checking Account Rates

	Apy	Min	Max	Product
	3.00%	-	$15k	Real Rewards Checking

Nicolet National Bank Savings Account Rates

Apy	Min	Max	Product
0.75%	$50k	-	Health Savings Account (HSA) Safe Harbor/Step Rate Option
0.40%	$10k	-	Health Savings Account (HSA)
0.15%	$1k	-	Nicolet Junior Savings
0.15%	$2,500	-	IRA Savings Account
0.10%	$100	-	Nicolet Savings

Nicolet National Bank Money Market Rates

Apy	Min	Max	Product
0.85%	$1m	-	Relationship IRA Money Market Account:
0.40%	$500k	-	Nicolet MVP Money Market Account
0.15%	$5k	-	Nicolet Money Market Account

Nicolet National Bank CD Rates

Apy	Min	Max	Product
1.45%	$1k	-	60 Month Relationship CD
1.25%	$1k	-	48 Month Relationship CD
1.20%	$1k	-	60 Month CD
1.05%	$1k	-	36 Month Relationship CD
1.00%	$1k	-	48 Month CD
1.00%	$10k	-	42 Month Investor Choice Relationship CD
0.90%	$1k	-	24 Month Relationship CD
0.90%	$10k	-	30 Month Investor Choice Relationship CD
0.80%	$1k	-	36 Month CD
0.75%	$10k	-	42 Month Investor Choice CD
0.75%	$1k	-	18 Month Relationship CD
0.65%	$1k	-	24 Month CD
0.65%	$1k	-	12 Month Relationship CD
0.60%	$10k	-	30 Month Investor Choice CD
0.50%	$1k	-	18 Month CD
0.50%	$1k	-	9 Month Relationship CD
0.40%	$1k	-	12 Month CD
0.40%	$1k	-	6 Month Relationship CD
0.35%	$1k	-	9 Month CD
0.25%	$1k	-	6 Month CD
0.25%	$1k	-	Relationship 3 Month CD
0.10%	$1k	-	3 Month CD

Nicolet National Bank IRA Rates

Apy	Min	Max	Product
1.45%	$1k	-	60 Month Relationship IRA
1.25%	$1k	-	48 Month Relationship IRA
1.20%	$1k	-	60 Month IRA
1.05%	$1k	-	36 Month Relationship IRA
1.00%	$1k	-	48 Month IRA
0.90%	$1k	-	24 Month Relationship IRA
0.80%	$1k	-	36 Month IRA
0.75%	$1k	-	18 Month Relationship IRA
0.65%	$1k	-	12 Month Relationship IRA
0.65%	$1k	-	24 Month IRA
0.50%	$1k	-	9 Month Relationship IRA
0.50%	$1k	-	18 Month IRA
0.40%	$1k	-	6 Month Relationship IRA
0.40%	$1k	-	12 Month IRA
0.35%	$1k	-	9 Month IRA
0.25%	$1k	-	Relationship 3 Month IRA
0.25%	$1k	-	6 Month IRA
0.10%	$1k	-	3 Month IRA

Rates updated: 6/19/2013

Data for Q1 2013

Institution Statistics

Nicolet National Bank
FDIC Certificate #	57038
BankRate Report	View
Year Established	2000
Employees	168
Primary Regulator	OCC
Assets and Liabilities
Assets	$664.61 million
Loans	$537.19 million
Deposits	$567.72 million
Equity Capital	$74.95 million
Loan Loss Allowance	$7.54 million
Unbacked Noncurrent Loans	$2.73 million
Real Estate Owned	$2.04 million
Historic Data - March 2012
Assets	$625.17 million
Equity Capital	$73.85 million
Loan Loss Allowance	$5.97 million
Unbacked Noncurrent Loans	$17.47 million
Real Estate Owned	$260,000
Profit Margin - Quarterly
Net Interest Margin	3.78%
Return on Assets	0.47%
Return on Equity	4.39%
Interest Income	$7.14 million

Institution Health

Overall Score:

5 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, 2013 Nicolet National Bank had $4.77 million in non-current loans and owned real-estate with $82.49 million in equity and loan loss allowances on hand to cover it. This gives Nicolet National Bank a Texas Ratio of 5.78% which is excellent. 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 decreased significantly from 22.21% as of March 31, 2012 to 5.78% as of March 31, 2013, resulting in a positive change of 73.99%.This indicates that the balance sheet and financial strength for Nicolet National Bank has improved significantly in recent periods.
Deposit Growth
In the past year, Nicolet National Bank has increased its total deposits by $46.04 million, resulting in 8.83% 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 excellent.
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 $664.61 million in assets with $82.49 million in equity, resulting in a capitalization level of 12.41%, which is excellent.

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Nicolet National Bank

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