| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income from continuing operations | 148 | 189 |
| Provision for (recovery of) credit losses | 1,303 | 878 |
| Depreciation expense | 527 | 346 |
| Amortization, net | 323 | 146 |
| Accretion of deferred loan fees and costs, net | 151 | 185 |
| Stock-based compensation expense | 182 | 121 |
| Net gain sale of loans | 3,052 | 2,102 |
| Loans held for sale-originations | 129,613 | 82,711 |
| Loans held for sale-proceeds | 142,438 | 93,081 |
| Gain on the sale of sba loans | 1,084 | 818 |
| Increase in the cash surrender value of bank-owned life insurance | 95 | 62 |
| Accrued interest receivable | 379 | 694 |
| Prepaid expenses and other assets | 513 | 350 |
| Accrued interest payable | -151 | 89 |
| Accrued expenses and other liabilities | 44 | -530 |
| Net cash provided by (used in) operating activities of continuing operations | 9,927 | 7,398 |
| Net cash provided by operating activities of discontinued operations | 0 | 0 |
| Net cash provided by operating activities | 9,927 | 7,398 |
| Redemption of interest-earning time deposits | 0 | 0 |
| Principal repayments of investment securities available for sale | -597 | -434 |
| Net decrease (increase) in loans receivable | 12,491 | 6,872 |
| Proceeds from the sale of oakmont capital holdings, llc | 0 | 0 |
| Purchase of federal home loan bank stock | 4,206 | 4,006 |
| Redemption of federal home loan bank stock | 4,329 | 3,529 |
| Repayments of federal reserve bank long-term borrowings | - | 4,500 |
| Purchase of premises and equipment | 488 | 301 |
| Proceeds from federal reserve bank long-term borrowings | - | 4,500 |
| Net cash (used in) provided by investing activities | -12,259 | -7,216 |
| Net decrease in demand deposits, money markets, and savings accounts | -55,959 | -50,660 |
| Net increase in certificate accounts | 56,901 | 29,584 |
| Decrease in advances from borrowers for taxes and insurance | -1,147 | -207 |
| Net (decrease) increase in federal home loan bank borrowings | -2,855 | - |
| Net repayments from subordinated debt | 14,103 | 14,000 |
| Proceeds from federal home loan bank borrowings | - | 12,145 |
| Net proceeds from senior debt | 9,575 | 9,531 |
| Dividends paid | 788 | 683 |
| Proceeds from the reissuance of treasury stock under 401 plan | 56 | 41 |
| Proceeds from shares issued from authorized and unallocated | 0 | 0 |
| Acquisition of treasury stock | 45 | 31 |
| Net cash used in financing activities | -8,365 | -14,280 |
| Net (decrease) increase in cash and cash equivalents | -10,697 | -14,098 |
| Cash and cash equivalents at beginning of period | 62,989 | - |
| Cash and cash equivalents at end of period | 52,292 | - |
QUAINT OAK BANCORP, INC. (QNTO)
QUAINT OAK BANCORP, INC. (QNTO)