Call reports 2025
BANK OF ELK RIVER, THE — 2025
What BANK OF ELK RIVER, THE 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 | 696,769,000 | 702,497,000 | 703,736,000 | 717,628,000 |
| Total loans | 420,739,000 | 422,379,000 | 422,703,000 | 437,072,000 |
| Allowance for loan losses | 4,295,000 | 4,460,000 | 4,553,000 | 4,545,000 |
| Securities available for sale | 176,916,000 | 183,451,000 | 187,100,000 | 187,821,000 |
| Securities held to maturity | 67,042,000 | 67,521,000 | 68,000,000 | 68,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 649,153,000 | 655,678,000 | 653,286,000 | 658,944,000 |
| Interest-bearing deposits | 482,957,000 | 497,587,000 | 488,951,000 | 509,572,000 |
| Noninterest-bearing deposits | 166,196,000 | 158,091,000 | 164,335,000 | 149,372,000 |
| Equity capital | 39,049,000 | 42,766,000 | 46,148,000 | 49,538,000 |
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 | 7,997,000 | 16,225,000 | 24,699,000 | 33,390,000 |
| Interest expense | 2,577,000 | 5,241,000 | 7,845,000 | 10,360,000 |
| Net interest income | 5,420,000 | 10,984,000 | 16,854,000 | 23,030,000 |
| Noninterest income | 1,009,000 | 2,075,000 | 3,235,000 | 4,294,000 |
| Noninterest expense | 4,646,000 | 9,383,000 | 14,083,000 | 19,271,000 |
| Provision for loan losses | 158,000 | 384,000 | 535,000 | 594,000 |
| Pretax income | 1,629,000 | 3,272,000 | 5,455,000 | 7,403,000 |
| Income tax | 106,000 | 221,000 | 372,000 | 473,000 |
| Net income | 1,523,000 | 3,051,000 | 5,083,000 | 6,930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,253,000 | 62,850,000 | 63,927,000 | 65,275,000 |
| Total capital | 66,961,000 | 67,746,000 | 68,915,000 | 70,296,000 |
| Risk-weighted assets | 444,996,000 | 453,530,000 | 451,696,000 | 466,399,000 |