Call reports 2025
FIRST NATIONAL BANK MINNESOTA — 2025
What FIRST NATIONAL BANK MINNESOTA 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 | 438,638,000 | 436,170,000 | 436,727,000 | 451,141,000 |
| Total loans | 327,833,000 | 326,811,000 | 326,465,000 | 338,693,000 |
| Allowance for loan losses | 5,170,000 | 4,734,000 | 4,561,000 | 4,553,000 |
| Securities available for sale | 71,520,000 | 77,076,000 | 76,793,000 | 76,647,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 379,133,000 | 365,798,000 | 365,423,000 | 386,404,000 |
| Interest-bearing deposits | 300,213,000 | 291,402,000 | 286,551,000 | 299,749,000 |
| Noninterest-bearing deposits | 78,920,000 | 74,396,000 | 78,872,000 | 86,655,000 |
| Equity capital | 37,076,000 | 38,541,000 | 40,945,000 | 42,578,000 |
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 | 5,344,000 | 10,812,000 | 16,335,000 | 21,989,000 |
| Interest expense | 1,473,000 | 2,967,000 | 4,565,000 | 6,114,000 |
| Net interest income | 3,871,000 | 7,845,000 | 11,770,000 | 15,875,000 |
| Noninterest income | 564,000 | 1,109,000 | 1,675,000 | 2,251,000 |
| Noninterest expense | 2,806,000 | 5,828,000 | 8,679,000 | 11,634,000 |
| Provision for loan losses | 1,860,000 | 2,865,000 | 2,925,000 | 2,925,000 |
| Pretax income | -195,000 | 298,000 | 1,860,000 | 3,626,000 |
| Income tax | 61,000 | 121,000 | 129,000 | 39,000 |
| Net income | -256,000 | 177,000 | 1,731,000 | 3,587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,665,000 | 39,156,000 | 40,710,000 | 41,710,000 |
| Total capital | 42,829,000 | 43,248,000 | 44,785,000 | 45,921,000 |
| Risk-weighted assets | 332,123,000 | 326,753,000 | 325,488,000 | 336,521,000 |