Call reports 2025
MINNESOTA LAKES BANK — 2025
What MINNESOTA LAKES 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 | 123,146,000 | 125,218,000 | 127,273,000 | 128,779,000 |
| Total loans | 84,523,000 | 84,042,000 | 82,422,000 | 81,046,000 |
| Allowance for loan losses | 645,000 | 1,885,000 | 1,904,000 | 555,000 |
| Securities available for sale | 24,587,000 | 23,150,000 | 21,990,000 | 20,921,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,882,000 | 107,639,000 | 111,192,000 | 112,420,000 |
| Interest-bearing deposits | 74,353,000 | 74,706,000 | 74,632,000 | 77,640,000 |
| Noninterest-bearing deposits | 32,529,000 | 32,933,000 | 36,560,000 | 34,780,000 |
| Equity capital | 15,206,000 | 14,504,000 | 14,897,000 | 15,223,000 |
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 | 1,700,000 | 3,419,000 | 5,206,000 | 7,041,000 |
| Interest expense | 86,000 | 185,000 | 309,000 | 416,000 |
| Net interest income | 1,614,000 | 3,234,000 | 4,897,000 | 6,625,000 |
| Noninterest income | 190,000 | 560,000 | 849,000 | 1,108,000 |
| Noninterest expense | 1,265,000 | 2,563,000 | 3,895,000 | 5,251,000 |
| Provision for loan losses | 29,000 | 1,269,000 | 1,283,000 | 1,298,000 |
| Pretax income | 524,000 | -14,000 | 592,000 | 1,208,000 |
| Income tax | 32,000 | 5,000 | 5,000 | 73,000 |
| Net income | 492,000 | -19,000 | 587,000 | 1,135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,438,000 | 12,626,000 | 12,933,000 | 13,181,000 |
| Total capital | 14,122,000 | 13,735,000 | 14,011,000 | 13,765,000 |
| Risk-weighted assets | 89,834,000 | 87,963,000 | 85,419,000 | 85,015,000 |