For the quarter ending 2025-09-30, QNTO had $3,401K increase in cash & cash equivalents over the period.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income from continuing operations | -41 | 189 |
| Provision for (recovery of) credit losses | 425 | 878 |
| Depreciation expense | 181 | 346 |
| Amortization, net | 177 | 146 |
| Accretion of deferred loan fees and costs, net | -34 | 185 |
| Stock-based compensation expense | 61 | 121 |
| Net gain sale of loans | 950 | 2,102 |
| Loans held for sale-originations | 46,902 | 82,711 |
| Loans held for sale-proceeds | 49,357 | 93,081 |
| Gain on the sale of sba loans | 266 | 818 |
| Increase in the cash surrender value of bank-owned life insurance | 33 | 62 |
| Accrued interest receivable | -315 | 694 |
| Prepaid expenses and other assets | 163 | 350 |
| Accrued interest payable | -240 | 89 |
| Accrued expenses and other liabilities | 574 | -530 |
| Net cash provided by (used in) operating activities of continuing operations | 2,529 | 7,398 |
| Net cash provided by operating activities of discontinued operations | 0 | 0 |
| Net cash provided by operating activities | 2,529 | 7,398 |
| Redemption of interest-earning time deposits | 0 | 0 |
| Principal repayments of investment securities available for sale | -163 | -434 |
| Net decrease (increase) in loans receivable | 5,619 | 6,872 |
| Proceeds from the sale of oakmont capital holdings, llc | 0 | 0 |
| Purchase of federal home loan bank stock | 200 | 4,006 |
| Redemption of federal home loan bank stock | 800 | 3,529 |
| Repayments of federal reserve bank long-term borrowings | - | 4,500 |
| Purchase of premises and equipment | 187 | 301 |
| Proceeds from federal reserve bank long-term borrowings | - | 4,500 |
| Net cash (used in) provided by investing activities | -5,043 | -7,216 |
| Net decrease in demand deposits, money markets, and savings accounts | -5,299 | -50,660 |
| Net increase in certificate accounts | 27,317 | 29,584 |
| Decrease in advances from borrowers for taxes and insurance | -940 | -207 |
| Net (decrease) increase in federal home loan bank borrowings | -2,855 | - |
| Net repayments from subordinated debt | 103 | 14,000 |
| Proceeds from federal home loan bank borrowings | - | 12,145 |
| Net proceeds from senior debt | 44 | 9,531 |
| Dividends paid | 105 | 683 |
| Proceeds from the reissuance of treasury stock under 401 plan | 15 | 41 |
| Proceeds from shares issued from authorized and unallocated | 0 | 0 |
| Acquisition of treasury stock | 14 | 31 |
| Net cash used in financing activities | 5,915 | -14,280 |
| Net (decrease) increase in cash and cash equivalents | 3,401 | -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)