Call reports 2025
FIRST BANK ELK RIVER — 2025
What FIRST BANK ELK RIVER 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 | 362,976,000 | 362,073,000 | 354,286,000 | 363,871,000 |
| Total loans | 264,824,000 | 266,044,000 | 262,725,000 | 267,369,000 |
| Allowance for loan losses | 2,576,000 | 2,580,000 | 2,579,000 | 2,548,000 |
| Securities available for sale | 68,929,000 | 67,452,000 | 67,005,000 | 65,829,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,661,000 | 272,736,000 | 280,408,000 | 270,149,000 |
| Interest-bearing deposits | 198,685,000 | 190,687,000 | 187,989,000 | 190,144,000 |
| Noninterest-bearing deposits | 87,976,000 | 82,049,000 | 92,419,000 | 80,005,000 |
| Equity capital | 24,992,000 | 25,770,000 | 27,351,000 | 30,634,000 |
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 | 3,819,000 | 7,932,000 | 12,078,000 | 16,024,000 |
| Interest expense | 1,326,000 | 2,785,000 | 4,162,000 | 5,435,000 |
| Net interest income | 2,493,000 | 5,147,000 | 7,916,000 | 10,589,000 |
| Noninterest income | 401,000 | 844,000 | 1,219,000 | 6,176,000 |
| Noninterest expense | 2,355,000 | 4,690,000 | 6,984,000 | 10,212,000 |
| Provision for loan losses | 34,000 | 6,000 | 7,000 | 6,000 |
| Pretax income | 526,000 | 1,277,000 | 2,147,000 | 6,549,000 |
| Income tax | 148,000 | 362,000 | 609,000 | 1,864,000 |
| Net income | 378,000 | 915,000 | 1,538,000 | 4,685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,888,000 | 35,425,000 | 36,048,000 | 38,847,000 |