Call reports 2025
HERITAGE BANK MINNESOTA — 2025
What HERITAGE 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 | 104,953,000 | 112,096,000 | 113,997,000 | 117,519,000 |
| Total loans | 83,029,000 | 87,811,000 | 93,232,000 | 96,894,000 |
| Allowance for loan losses | 812,000 | 844,000 | 871,000 | 911,000 |
| Securities available for sale | 11,162,000 | 10,946,000 | 11,228,000 | 11,307,000 |
| Securities held to maturity | 520,000 | 520,000 | 521,000 | 522,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,793,000 | 101,988,000 | 100,565,000 | 104,861,000 |
| Interest-bearing deposits | 75,641,000 | 82,084,000 | 81,444,000 | 83,983,000 |
| Noninterest-bearing deposits | 19,152,000 | 19,904,000 | 19,122,000 | 20,878,000 |
| Equity capital | 6,606,000 | 6,589,000 | 7,130,000 | 7,271,000 |
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 | 1,395,000 | 2,840,000 | 4,441,000 | 6,089,000 |
| Interest expense | 509,000 | 1,061,000 | 1,637,000 | 2,255,000 |
| Net interest income | 886,000 | 1,779,000 | 2,804,000 | 3,834,000 |
| Noninterest income | 72,000 | 138,000 | 219,000 | 263,000 |
| Noninterest expense | 715,000 | 1,449,000 | 2,244,000 | 3,219,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 144,000 |
| Pretax income | 207,000 | 396,000 | 671,000 | 734,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 207,000 | 396,000 | 671,000 | 734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,330,000 | 8,414,000 | 8,615,000 | 8,618,000 |
| Total capital | 9,142,000 | 9,258,000 | 9,486,000 | 9,529,000 |
| Risk-weighted assets | 79,177,000 | 83,078,000 | 86,477,000 | 88,049,000 |