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Dec 31, 2020

Nicolet Bankshares Q4 2020 Earnings Report

Reported record earnings driven by secondary mortgage revenue and diligent expense management.

Key Takeaways

Nicolet Bankshares, Inc. announced a strong fourth quarter with net income of $18.0 million, a 46% increase compared to the same quarter in 2019. The company's full-year earnings were also record-breaking, driven by exceptional secondary mortgage revenue and diligent expense management.

Net income for Q4 2020 was $18.0 million, a 46% increase from Q4 2019.

Earnings per diluted common share for Q4 2020 were $1.74, compared to $1.18 for Q4 2019.

Return on average assets for Q4 2020 was 1.58%.

The company paid off $334 million Paycheck Protection Program Liquidity Facility, $6 million TRUPS and $12 million subordinated notes in Q4 2020.

Total Revenue
$34M
Previous year: $30.5M
+11.6%
EPS
$1.74
Previous year: $1.18
+47.5%
Net interest margin
3.29%
Previous year: 4.06%
-19.0%
Efficiency ratio
48.99%
Previous year: 57.57%
-14.9%
Effective tax rate
25.36%
Previous year: 31.41%
-19.3%
Cash and Equivalents
$803M
Previous year: $182M
+341.0%
Total Assets
$4.55B
Previous year: $3.58B
+27.2%

Nicolet Bankshares

Nicolet Bankshares

Nicolet Bankshares Revenue by Segment

Forward Guidance

Nicolet Bankshares anticipates increased consolidation within the industry due to continued headwinds. The company believes there are opportunities to create shareholder value through accretive acquisitions.