Nicolet National Bank Mortgage Rates, Fees & Info

Green Bay, WI

LEI: 38CFVD4YYFWD1FV7IM34

Tax ID: 39-1990426

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Nicolet National Bank is a smaller bank specializing in Home Purchase and Refi loans. Nicolet National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Green Bay, Appleton, Oshkosh, Wausau, and Marinette among others. We have data for 59 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Nicolet National Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Nicolet National Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.38% 11/21/24
    30 Year Conventional Purchase 6.93% 11/21/24
    30 Year Conventional Refi 6.71% 11/21/24
    30 Year Cash-out Refi 6.93% 11/21/24
    30 Year VA Purchase 6.27% 11/21/24
    30 Year USDA Purchase 6.27% 11/21/24
    15 Year Conventional Purchase 6.61% 11/21/24
    15 Year Conventional Refi 6.59% 11/21/24
    15 Year Cash-out Refi 6.59% 11/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Nicolet National Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Nicolet National Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    3,112

    Origination Dollar Volume (All Markets)

    $555,290,000

    Employee count

    574

    Awards

    Nicolet National Bank 30 Year Conventional Loans silver Nicolet National Bank 30 Year Conventional Loans silver Nicolet National Bank 30 Year Conventional Loans silver
    Show all (3) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    GREEN BAY, WI (FHA|USDA|VA) 1,151 $204,465,000 $177,641 $1,983 4.56%
    Outside of Metro Areas 864 $154,780,000 $179,144 $2,137 4.58%
    APPLETON, WI (FHA|USDA|VA) 419 $76,765,000 $183,210 $2,004 4.49%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 241 $41,295,000 $171,349 $1,999 4.42%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 109 $18,165,000 $166,651 $2,117 4.61%
    Marinette, WI-MI (FHA|USDA|VA) 122 $15,430,000 $126,475 $1,733 4.44%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 33 $7,435,000 $225,303 $2,250 4.30%
    Shawano, WI (FHA|USDA|VA) 29 $3,895,000 $134,310 $1,704 4.93%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 10 $2,600,000 $260,000 $3,448 4.05%
    MADISON, WI (FHA|USDA|VA) 10 $2,240,000 $224,000 $2,609 4.42%
    Manitowoc, WI (FHA|USDA|VA) 19 $2,225,000 $117,105 $1,923 5.13%
    FOND DU LAC, WI (FHA|USDA|VA) 8 $2,070,000 $258,750 $2,785 4.51%
    SHEBOYGAN, WI (FHA|USDA|VA) 6 $2,050,000 $341,667 $2,414 4.30%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 8 $2,010,000 $251,250 $3,597 4.36%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 4 $1,990,000 $497,500 $6,334 4.09%
    Iron Mountain, MI-WI (FHA|USDA|VA) 8 $1,730,000 $216,250 $2,389 4.77%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 7 $1,345,000 $192,143 $2,437 4.41%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $1,130,000 $282,500 $4,244 4.53%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 4 $1,030,000 $257,500 $2,234 4.00%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $690,000 $345,000 $2,436 3.88%
    Menomonie, WI (FHA|USDA|VA) 3 $665,000 $221,667 $0 4.87%
    TUCSON, AZ (FHA|USDA|VA) 2 $590,000 $295,000 $2,302 4.06%
    Pahrump, NV (FHA|USDA|VA) 2 $490,000 $245,000 $2,630 4.19%
    Whitewater, WI (FHA|USDA|VA) 2 $490,000 $245,000 $2,897 4.50%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $485,000 $485,000 $4,864 3.00%
    BOULDER, CO (FHA|USDA|VA) 1 $485,000 $485,000 $2,668 3.00%
    Sandpoint, ID (FHA|USDA|VA) 1 $475,000 $475,000 $0 5.50%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $470,000 $235,000 $3,994 3.75%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $455,000 $455,000 $3,984 5.00%
    DULUTH, MN-WI (FHA|USDA|VA) 1 $455,000 $455,000 $3,880 3.50%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $425,000 $425,000 $1,854 4.25%
    EAU CLAIRE, WI (FHA|USDA|VA) 3 $395,000 $131,667 $2,522 4.00%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $395,000 $395,000 $1,788 3.00%
    MISSOULA, MT (FHA|USDA|VA) 2 $380,000 $190,000 $893 5.00%
    Escanaba, MI (FHA|USDA|VA) 2 $370,000 $185,000 $2,953 5.16%
    Boone, NC (FHA|USDA|VA) 1 $355,000 $355,000 $3,162 3.88%
    SALT LAKE CITY, UT (FHA|USDA|VA) 1 $315,000 $315,000 $3,311 4.25%
    AKRON, OH (FHA|USDA|VA) 1 $295,000 $295,000 $3,078 4.38%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 3 $295,000 $98,333 $2,206 4.58%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $295,000 $295,000 $3,982 4.00%
    SANTA FE, NM (FHA|USDA|VA) 1 $285,000 $285,000 $6,956 3.63%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $275,000 $275,000 $4,043 4.00%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $215,000 $215,000 $2,918 3.88%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $215,000 $215,000 $3,231 4.00%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $205,000 $205,000 $2,501 3.99%
    Marquette, MI (FHA|USDA|VA) 3 $205,000 $68,333 $851 5.46%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $205,000 $205,000 $3,277 3.88%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $200,000 $100,000 $3,451 4.69%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $195,000 $195,000 $3,918 3.50%
    ROCKFORD, IL (FHA|USDA|VA) 1 $195,000 $195,000 $2,336 3.38%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $175,000 $175,000 $1,948 3.50%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $155,000 $155,000 $2,766 4.00%
    MOBILE, AL (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.50%
    Baraboo, WI (FHA|USDA|VA) 1 $155,000 $155,000 $2,861 4.38%
    Dixon, IL (FHA|USDA|VA) 1 $155,000 $155,000 $2,371 3.25%
    Hutchinson, MN (FHA|USDA|VA) 1 $135,000 $135,000 $2,912 3.63%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $125,000 $125,000 $2,188 4.13%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $75,000 $75,000 $4,429 4.75%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $45,000 $45,000 $3,377 4.38%
    Nicolet National Bank's top markets include Green Bay, Appleton, Oshkosh, Wausau, and Marinette among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Nicolet National Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,344 $492,200,000 $209,983 $2,071 4.19%
    HELOC 768 $63,090,000 $82,148 n/a 5.60%

    For 2019, Nicolet National Bank's most frequently originated type of loan was Conventional, with 2,344 originations. Their 2nd most popular type was HELOC, with 768 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,300 $261,660,000 $201,277 $2,458 4.46%
    Refi 926 $189,440,000 $204,579 $1,718 4.15%
    Home Improvement 304 $18,320,000 $60,263 $978 5.55%
    Cash Out Refi 300 $64,970,000 $216,567 $1,918 4.07%
    Other 282 $20,900,000 $74,113 $855 5.58%

    For 2019, Nicolet National Bank's most frequently cited loan purpose was Home Purchase, with 1,300 originations. The 2nd most popular reason was Refi, with 926 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,263 $409,405,000 $180,913 $2,242 4.62%
    15 Year 503 $95,355,000 $189,573 $1,830 3.81%
    20 Year 116 $19,980,000 $172,241 $1,993 4.24%
    5 Year 93 $13,645,000 $146,720 $348 5.62%
    10 Year 64 $4,420,000 $69,063 $598 5.14%
    Other 31 $4,285,000 $138,226 $2,335 5.49%
    3 Year 28 $4,610,000 $164,643 $0 5.50%
    1 Year 13 $2,435,000 $187,308 $0 5.54%
    30+ year 1 $1,155,000 $1,155,000 $5,235 5.50%

    For 2019, Nicolet National Bank's most frequently cited loan duration was 30 Year, with 2,263 originations. The 2nd most popular length was 15 Year, with 503 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,062 $437,050,000 $211,954
    $1k-2k 149 $31,525,000 $211,577
    $2k-3k 3 $555,000 $185,000
    $3k-4k 2 $710,000 $355,000
    $5k+ 1 $265,000 $265,000

    Nicolet National Bank's average total fees were $2,242, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,062 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,234 $287,630,000 $233,088
    5-6% 847 $87,135,000 $102,875
    4-5% 821 $155,675,000 $189,616
    6-7% 130 $8,570,000 $65,923
    2.5-3% 63 $15,615,000 $247,857
    7-8% 16 $620,000 $38,750
    Over 8% 1 $45,000 $45,000

    During 2019, Nicolet National Bank's average interest rate for loans was 4.62%, while their most frequently originated rate bucket for loans was 3-4%, with 1,234 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,026 $151,280,000 $147,446 $2,115 4.29%
    $100,000 or less 986 $50,110,000 $50,822 $1,506 5.38%
    $200k-400k 876 $238,490,000 $272,249 $2,181 4.00%
    $400k-600k 194 $88,790,000 $457,680 $2,319 4.03%
    $600k-1MM 24 $18,130,000 $755,417 $3,475 4.53%
    $1MM+ 6 $8,490,000 $1,415,000 $3,885 5.22%

    2019 saw Nicolet National Bank place emphasis on $100k-200k loans with 1,026 originations, totaling $151,280,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 688 $127,060,000 $184,680 $2,119 4.46%
    $50k-75k 588 $79,640,000 $135,442 $1,998 4.51%
    $75k-100k 475 $76,745,000 $161,568 $2,006 4.48%
    $150k-250k 455 $104,015,000 $228,604 $2,210 4.39%
    $50k or less 431 $40,395,000 $93,724 $1,952 4.79%
    $250k+ 291 $94,985,000 $326,409 $2,194 4.43%

    Nicolet National Bank lent most frequently to those with incomes in the $100k-150k range, with 688 originations. The second most popular income band? $50k-75k, with 588 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 777 $138,855,000 $178,707 $2,053 4.40%
    30-36% 588 $104,130,000 $177,092 $2,036 4.50%
    <20% 413 $78,305,000 $189,600 $2,027 4.30%
    41% 107 $18,225,000 $170,327 $1,859 4.64%
    37% 107 $20,035,000 $187,243 $2,162 4.40%
    42% 99 $15,555,000 $157,121 $2,055 4.73%
    40% 99 $16,005,000 $161,667 $2,064 4.78%
    39% 98 $17,240,000 $175,918 $2,059 4.61%
    38% 94 $15,390,000 $163,723 $2,100 4.64%
    36% 88 $15,970,000 $181,477 $2,060 4.62%
    43% 80 $12,620,000 $157,750 $2,061 4.54%
    44% 78 $13,730,000 $176,026 $2,151 4.47%
    50-60% 70 $9,190,000 $131,286 $2,230 5.48%
    45% 62 $11,240,000 $181,290 $1,980 4.42%
    48% 61 $10,845,000 $177,787 $2,395 4.56%
    49% 53 $9,425,000 $177,830 $2,337 4.36%
    >60% 50 $11,150,000 $223,000 $2,660 5.15%
    46% 49 $9,485,000 $193,571 $2,075 4.48%
    47% 38 $7,110,000 $187,105 $2,204 4.37%

    Nicolet National Bank lent most frequently to those with DTI ratios of 20-30%, with 777 originations. The next most common DTI ratio? 30-36%, with 588 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,926 $514,910,000 $175,977 $2,066 4.53%
    Not applicable 91 $18,925,000 $207,967 $0 5.48%
    Not provided 51 $11,155,000 $218,725 $2,158 3.93%
    Asian 29 $7,145,000 $246,379 $2,094 4.02%
    American Indian 8 $1,810,000 $226,250 $2,656 4.36%
    Black 6 $1,130,000 $188,333 $2,217 4.25%
    Asian Indian 1 $215,000 $215,000 $2,627 3.63%

    Approval Rates

    Total approvals of all applications
    94.39%

    Nicolet National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    92.80%

    Nicolet National Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 4 $70,000 $17,500
    NA 3,108 $555,220,000 $178,642

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 4 $4,150,000 $1,037,500
    Multifamily:Site-Built 7 $1,925,000 $275,000
    Single Family (1-4 Units):Manufactured 53 $3,945,000 $74,434
    Single Family (1-4 Units):Site-Built 3,048 $545,270,000 $178,894

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 402 $39,550,000 $98,383 $1,485 5.19%
    40-60% 373 $76,925,000 $206,233 $2,056 4.24%
    60-80% 1,074 $241,000,000 $224,395 $2,103 4.11%
    80-100% 817 $178,555,000 $218,550 $2,360 4.32%
    Over 100% 3 $1,115,000 $371,667 $2,109 4.58%
    Under 20% 437 $17,845,000 $40,835 $398 5.63%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Nicolet National Bank 101 South First Street Colby, WI 54421 Full Service B&M $61,708
    Nicolet National Bank 1011 N Broadway De Pere, WI 54115 Full Service B&M $69,864
    Nicolet National Bank 1015 Tenth Avenue Menominee, MI 49858 Full Service B&M $34,814
    Nicolet National Bank 106 E State Rd 54 Seymour, WI 54165 Full Service B&M $50,519
    Nicolet National Bank 111 N. Washington Street Green Bay, WI 54301 Full Service B&M $652,559
    Nicolet National Bank 1131 Main Road Washington Island, WI 54246 Full Service B&M $23,169
    Nicolet National Bank 12046 Highway 42 Ellison Bay, WI 54210 Full Service B&M $25,038
    Nicolet National Bank 134 South Eighth Street Medford, WI 54451 Full Service B&M $105,513
    Nicolet National Bank 1364 City Road Dk Brussels, WI 54204 Full Service B&M $29,408
    Nicolet National Bank 1450 Scheuring Road De Pere, WI 54115 Full Service B&M $40,090
    Nicolet National Bank 2009 Hall Avenue Marinette, WI 54143 Full Service B&M $34,141
    Nicolet National Bank 205 Clark Street Algoma, WI 54201 Full Service B&M $34,580
    Nicolet National Bank 2082 Monroe Road De Pere, WI 54115 Full Service B&M $70,199
    Nicolet National Bank 210 Center Drive Luxemburg, WI 54217 Full Service B&M $29,342
    Nicolet National Bank 2100 Stewart Avenue, Ste 100 Wausau, WI 54401 Full Service B&M $12,627
    Nicolet National Bank 2170 Lincoln Street Rhinelander, WI 54501 Full Service B&M $53,405
    Nicolet National Bank 236 North 4th Avenue Sturgeon Bay, WI 54235 Full Service B&M $202,101
    Nicolet National Bank 2363 Holmgren Way Green Bay, WI 54304 Full Service B&M $63,047
    Nicolet National Bank 2380 Duck Creek Parkway Suite 100 Green Bay, WI 54303 Full Service B&M $50,494
    Nicolet National Bank 2477 South Bay Shore Drive Sister Bay, WI 54234 Full Service B&M $102,543
    Nicolet National Bank 2502 Lineville Rd Green Bay, WI 54313 Full Service B&M $37,924
    Nicolet National Bank 3111 East Calumet Street Appleton, WI 54915 Full Service B&M $65,716
    Nicolet National Bank 315 N Us Hwy 141 Crivitz, WI 54114 Full Service B&M $32,492
    Nicolet National Bank 320 Racine Street Menasha, WI 54952 Full Service B&M $41,884
    Nicolet National Bank 325 West Pine Street, Suite 1 Eagle River, WI 54521 Full Service B&M $21,439
    Nicolet National Bank 333 South Nicolet Road Appleton, WI 54914 Full Service B&M $76,533
    Nicolet National Bank 34 West Maple Street Sturgeon Bay, WI 54235 Full Service B&M $52,851
    Nicolet National Bank 3845 Rib Mountain Drive, Suite 1 Wausau, WI 54401 Full Service B&M $21,150
    Nicolet National Bank 400 North Koeller Street Oshkosh, WI 54902 Full Service B&M $45,025
    Nicolet National Bank 519 Main Street Kewaunee, WI 54216 Full Service B&M $68,852
    Nicolet National Bank 550 South Green Bay Road Neenah, WI 54956 Full Service B&M $107,783
    Nicolet National Bank 717 Mccomb Avenue Rib Lake, WI 54470 Full Service B&M $24,447
    Nicolet National Bank 7842 Hwy 42 Egg Harbor, WI 54209 Full Service B&M $43,360
    Nicolet National Bank 835 West Northland Avenue Appleton, WI 54914 Full Service B&M $25,662
    Nicolet National Bank 8744 Us Highway 51 N, Suite 4 Minocqua, WI 54548 Full Service B&M $24,127
    Nicolet National Bank 920 S Huron Road Green Bay, WI 54311 Full Service B&M $75,548
    Nicolet National Bank 931 Marquette Drive Kewaunee, WI 54216 Full Service B&M $31,493
    Nicolet National Bank 9405 State Highway 42 Fish Creek, WI 54212 Full Service B&M $40,907

    For 2019, Nicolet National Bank had 38 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $138,778
    Net interest income $119,204
    Total noninterest income $45,635
    Gross Fiduciary activities income $6,227
    Service charges on deposit accounts $4,824
    Trading account gains and fees $0
    Additional Noninterest Income $34,584
    Pre-tax net operating income $71,006
    Securities gains (or losses, -) $-22
    Income before extraordinary items $54,713
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $54,713
    Minority interest net income $0
    Net income $54,713
    Sale, conversion, retirement of capital stock, net $5,076
    Net operating income $54,730

    Nicolet National Bank's gross interest income from loans was $138,778,000.
    Nicolet National Bank's net interest income from loans was $119,204,000.
    Nicolet National Bank's fee based income from loans was $4,824,000.
    Nicolet National Bank's net income from loans was $54,713,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $19,574
    Provision for credit losses $1,200
    Total noninterest expense $92,633
    Salaries and employee benefits $51,307
    Premises and equipment expense $9,166
    Additional noninterest expense $32,160
    Applicable income taxes $16,271
    Net charge-offs $381
    Cash dividends $50,000

    Nicolet National Bank's interest expense for loans was $19,574,000.
    Nicolet National Bank's payroll and benefits expense were $51,307,000.
    Nicolet National Bank's property, plant and equipment expenses $9,166,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $3,029,296
    Deposits held in domestic offices $3,029,296
    Deposits by Individuals, partnerships, and corporations $2,713,760
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $229,599
    Deposits by Commercial banks and other depository institutions in U.S. $85,937
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $367,915
    Demand deposits $214,990
    Nontransaction accounts $2,661,381
    Money market deposit accounts (MMDAs) $670,089
    Other savings deposits (excluding MMDAs) $1,440,735
    Total time deposits $550,557
    Total time and savings deposits $2,814,306
    Noninterest-bearing deposits $214,711
    Interest-bearing deposits $2,814,585
    Retail deposits $2,908,833
    IRAs and Keogh plan accounts $74,819
    Brokered deposits $40,320
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,570,443
    Cash & Balances due from depository institutions $201,060
    Interest-bearing balances $125,027
    Total securities $449,302
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,569,181
    Loan and leases loss allowance $13,972
    Trading account assets $987
    Bank premises and fixed assets $52,068
    Other real estate owned $1,000
    Goodwill and other intangibles $175,152
    All other assets $121,693

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,570,443
    Total Liabilities $3,089,695
    Total deposits $3,029,296
    Interest-bearing deposits $2,814,585
    Deposits held in domestic offices $3,029,296
    % insured (estimated) $69
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $987
    Other borrowed funds $28,984
    Subordinated debt $0
    All other liabilities $30,428

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,569,181
    Loan and leases loss allowance $13,972
    Total loans and leases (domestic) $2,583,153
    All real estate loans $1,710,771
    Real estate loans in domestic offices $1,710,771
    Construction and development loans $147,373
    Residential 1-4 family construction $54,403
    Other construction, all land development and other land $92,970
    Loans secured by nonfarm nonresidential properties $861,230
    Nonfarm nonresidential secured by owner-occupied properties $503,068
    Commercial real estate & other non-farm, non-residential $358,162
    Multifamily residential real estate $85,056
    1-4 family residential loans $557,644
    Farmland loans $59,468
    Loans held in foreign offices $0
    Farm loans $35,982
    Commercial and industrial loans $742,039
    To non-U.S. addressees $0
    Loans to individuals $30,211
    Credit card loans $12,481
    Related Plans $4,308
    Consumer Auto Loans $4,695
    Other loans to individuals $8,727
    All other loans & leases $64,150
    Loans to foreign governments and official institutions $0
    Other loans $55,289
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $8,471
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $452
    Non 1-4 family restructured loans & leases $452
    Total loans and leases (foreign) $0

    Nicolet National Bank had $2,569,181,000 of loans outstanding in 2019. $1,710,771,000 of loans were in real estate loans. $147,373,000 of loans were in development loans. $85,056,000 of loans were in multifamily mortgage loans. $557,644,000 of loans were in 1-4 family mortgage loans. $35,982,000 of loans were in farm loans. $12,481,000 of loans were in credit card loans. $4,695,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 1,175 $263,859 $224,561
    Nonfarm, nonresidential loans - <$100k 230 $10,011 $43,526
    Nonfarm, nonresidential loans - $100-250k 423 $53,197 $125,761
    Nonfarm, nonresidential loans - $250k-1MM 522 $200,651 $384,389
    Commercial & Industrial, US addressed loans - <$1MM 1,344 $147,829 $109,992
    Commercial & Industrial, US addressed loans - <$100k 704 $19,480 $27,670
    Commercial & Industrial, US addressed loans - $100-250k 314 $32,097 $102,220
    Commercial & Industrial, US addressed loans - $250k-1MM 326 $96,252 $295,252
    Farmland loans - <$1MM 213 $23,980 $112,582
    Farmland loans - <$100k 90 $3,843 $42,700
    Farmland loans - $100-250k 90 $11,022 $122,467
    Farmland loans - $250k-1MM 33 $9,115 $276,212
    Agriculture operations loans - <$1MM 119 $8,422 $70,773
    Agriculture operations loans - <$100k 77 $2,023 $26,273
    Agriculture operations loans - $100-250k 30 $3,392 $113,067
    Agriculture operations loans - $250k-1MM 12 $3,007 $250,583