Call reports 2025
MINNESOTA FIRST CREDIT AND SAVINGS, INCORPORATED — 2025
What MINNESOTA FIRST CREDIT AND SAVINGS, INCORPORATED 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 | 27,404,000 | 27,346,000 | 28,059,000 | 28,940,000 |
| Total loans | 23,932,000 | 25,068,000 | 26,007,000 | 25,946,000 |
| Allowance for loan losses | 409,000 | 409,000 | 409,000 | 409,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,115,000 | 22,741,000 | 23,044,000 | 23,968,000 |
| Interest-bearing deposits | 21,957,000 | 22,622,000 | 22,809,000 | 23,784,000 |
| Noninterest-bearing deposits | 158,000 | 119,000 | 235,000 | 184,000 |
| Equity capital | 4,126,000 | 4,150,000 | 4,181,000 | 4,200,000 |
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 | 487,000 | 1,014,000 | 1,556,000 | 2,108,000 |
| Interest expense | 239,000 | 476,000 | 716,000 | 979,000 |
| Net interest income | 248,000 | 538,000 | 840,000 | 1,129,000 |
| Noninterest income | 18,000 | 41,000 | 52,000 | 62,000 |
| Noninterest expense | 257,000 | 532,000 | 802,000 | 1,082,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 9,000 | 47,000 | 90,000 | 109,000 |
| Income tax | 0 | 2,000 | 7,000 | 7,000 |
| Net income | 9,000 | 45,000 | 83,000 | 102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,126,000 | 4,150,000 | 4,181,000 | 4,200,000 |
| Total capital | 4,365,000 | 4,395,000 | 4,435,000 | 4,454,000 |
| Risk-weighted assets | 18,967,000 | 19,460,000 | 20,177,000 | 20,182,000 |