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QUAINT OAK BANCORP, INC. (QNTO)

QUAINT OAK BANCORP, INC. (QNTO)

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Cash Flow Overview

Change in Cash
$1,818K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Loans held for sale-originations
    • Net decrease in demand deposits,...
    • Net decrease in loans receivable
    • Others
Negative Cash Flow Breakdown
    • Loans held for sale-proceeds
    • Net (decrease) increase in certi...
    • Net repayments from subordinated...
    • Others
Cash Flow
2026-03-31
2025-09-30
2025-06-30
Net income from continuing operations
-
-41
189
Net income (loss)
166
-
-
Provision for credit losses
-1,207
425
878
Depreciation expense
-326
181
346
Amortization, net
-204
177
146
Amortization of deferred loan fees and costs, net
-186
-34
185
Stock-based compensation expense
-103
61
121
Net gain on sale of loans
-2,064
950
2,102
Loans held for sale-originations
-85,507
46,902
82,711
Loans held for sale-proceeds
-90,047
49,357
93,081
Gain on the sale of sba loans
-267
266
818
Transfer of sba loans to portfolio
1,797
-
-
Servicing assets
69
-
-
Increase in the cash surrender value of bank-owned life insurance
-61
33
62
Accrued interest receivable
-384
-315
694
Prepaid expenses and other assets
-727
163
350
Accrued interest payable
-188
-240
89
Accrued expenses and other liabilities
-219
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
-1,352
2,529
7,398
Redemption of interest-earning time deposits
-
0
0
Principal repayments of investment securities available for sale
443
-163
-434
Net decrease in loans receivable
-27,431
5,619
6,872
Proceeds from the sale of oakmont capital holdings, llc
-
0
0
Purchase of federal home loan bank stock
-4,206
200
4,006
Redemption of federal home loan bank stock
-4,329
800
3,529
Repayments of federal reserve bank long-term borrowings
-
-
4,500
Purchase of premises and equipment
-348
187
301
Proceeds from federal reserve bank long-term borrowings
-
-
4,500
Net cash provided by investing activities
27,213
-5,043
-7,216
Net decrease in demand deposits, money markets, and savings accounts
29,532
-5,299
-50,660
Net (decrease) increase in certificate accounts
-62,378
27,317
29,584
Decrease in advances from borrowers for taxes and insurance
716
-940
-207
Net (decrease) increase in federal home loan bank borrowings
-
-2,855
-
Net proceeds from federal home loan bank borrowings
0
-
-
Net repayments from subordinated debt
-14,103
103
14,000
Net proceeds from senior debt
-9,575
44
9,531
Proceeds from shares issued from authorized and unallocated
-
0
0
Proceeds from federal home loan bank borrowings
-
-
12,145
Dividends paid
-683
105
683
Proceeds from the reissuance of treasury stock under 401 plan
-46
15
41
Proceeds from the exercise of stock options
33
-
-
Acquisition of treasury stock
-34
14
31
Net cash used in financing activities
-24,043
5,915
-14,280
Net decrease in cash and cash equivalents
1,818
3,401
-14,098
Cash and cash equivalents beginning of year
52,292
62,989
-
Cash and cash equivalents end of year
44,668
52,292
-
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

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Cash Flow

Net decrease inloans receivable-$27,431K Purchase of federal homeloan bank stock-$4,206K Purchase of premises andequipment-$348K Net cash provided byinvesting activities$27,213K Canceled cashflow$4,772K Net decrease in cashand cash...$1,818K Canceled cashflow$25,395K Redemption of federal homeloan bank stock-$4,329K Principal repayments ofinvestment securities...$443K something is missing$31,061K Net decrease indemand deposits, money...$29,532K Decrease in advances fromborrowers for taxes and...$716K Dividends paid-$683K Acquisition of treasurystock-$34K Proceeds from theexercise of stock options$33K Loans held forsale-originations-$85,507K Net gain on sale ofloans-$2,064K Transfer of sba loans toportfolio$1,797K Prepaid expenses andother assets-$727K Accrued interestreceivable-$384K Gain on the sale of sbaloans-$267K Amortization of deferred loanfees and costs, net-$186K Net income (loss)$166K Increase in the cashsurrender value of...-$61K Net cash used infinancing activities-$24,043K Net cash provided byoperating activities-$1,352K Canceled cashflow$62,059K Canceled cashflow$91,159K Net (decrease)increase in certificate...-$62,378K Loans held forsale-proceeds-$90,047K Net repayments fromsubordinated debt-$14,103K Net proceeds fromsenior debt-$9,575K Proceeds from thereissuance of treasury...-$46K Provision for creditlosses-$1,207K Depreciation expense-$326K Accrued expenses andother liabilities-$219K Amortization, net-$204K Accrued interestpayable-$188K something is missing-$148K Stock-based compensationexpense-$103K Servicing assets$69K