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Dec 31, 2019

Nicolet Bankshares Q4 2019 Earnings Report

Reported record earnings for 2019 and net income above fourth quarter 2018.

Key Takeaways

Nicolet Bankshares, Inc. reported a strong fourth quarter with net income of $12.3 million and earnings per diluted common share of $1.18. The acquisition of Choice Bancorp, Inc. was consummated on November 8, 2019, adding $457 million in assets.

Net income for Q4 2019 was $12.3 million, a 13% increase compared to Q4 2018.

Earnings per diluted common share for Q4 2019 were $1.18.

Return on average assets for Q4 2019 was 1.46%.

The acquisition of Choice Bancorp, Inc. was completed on November 8, 2019.

Total Revenue
$30.5M
Previous year: $27M
+12.7%
EPS
$1.18
Previous year: $1.11
+6.3%
Net interest margin
4.06%
Efficiency ratio
57.57%
Effective tax rate
31.41%
Cash and Equivalents
$182M
Previous year: $250M
-27.0%
Total Assets
$3.58B
Previous year: $3.1B
+15.5%

Nicolet Bankshares

Nicolet Bankshares

Nicolet Bankshares Revenue by Segment

Forward Guidance

For 2020, the focus will be on driving core earnings growth through expanded customer base and capitalizing on investments in technology and infrastructure for additional operating leverage. They are well positioned to increase shareholder value through prudent common stock repurchases and by leveraging strength as a bank consolidator.

Positive Outlook

  • Driving core earnings growth through expanded customer base
  • Capitalizing on investments in technology
  • Capitalizing on investments in infrastructure
  • Increasing shareholder value through prudent common stock repurchases
  • Leveraging strength as a bank consolidator