Call reports 2025
UNITED MINNESOTA BANK — 2025
What UNITED MINNESOTA BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 49,804,000 | 50,796,000 | 49,764,000 | 52,447,000 |
| Total loans | 34,394,000 | 36,125,000 | 38,437,000 | 39,822,000 |
| Allowance for loan losses | 331,000 | 331,000 | 358,000 | 332,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,885,000 | 6,499,000 | 5,512,000 | 4,772,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,872,000 | 46,764,000 | 45,599,000 | 48,136,000 |
| Interest-bearing deposits | 30,472,000 | 29,625,000 | 29,629,000 | 32,431,000 |
| Noninterest-bearing deposits | 15,400,000 | 17,139,000 | 15,970,000 | 15,705,000 |
| Equity capital | 3,724,000 | 3,929,000 | 4,039,000 | 4,113,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 640,000 | 1,300,000 | 1,974,000 | 2,669,000 |
| Interest expense | 82,000 | 163,000 | 254,000 | 365,000 |
| Net interest income | 558,000 | 1,137,000 | 1,720,000 | 2,304,000 |
| Noninterest income | 23,000 | 56,000 | 93,000 | 132,000 |
| Noninterest expense | 343,000 | 703,000 | 1,075,000 | 1,557,000 |
| Provision for loan losses | 0 | 0 | 85,000 | 72,000 |
| Pretax income | 238,000 | 490,000 | 653,000 | 794,000 |
| Income tax | 39,000 | 86,000 | 137,000 | 213,000 |
| Net income | 199,000 | 404,000 | 516,000 | 581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,724,000 | 3,929,000 | 4,039,000 | 4,113,000 |
| Total capital | 4,055,000 | 4,260,000 | 4,397,000 | 4,459,000 |
| Risk-weighted assets | 29,108,000 | 29,179,000 | 31,950,000 | 33,077,000 |