Quaint Oak Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	2.8	2.02	7.86	6.4
Depreciation & Amortization	0.66	0.89	0.85	0.59
Other Amortization	-	-	-	0.03
Gain (Loss) on Sale of Assets	-1.49	-	-	0.07
Gain (Loss) on Sale of Investments	-	-	-	-0.36
Provision for Credit Losses	1.53	0.16	2.48	2.2
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.79	2.03	-12.9	-36.84
Accrued Interest Receivable	-0.46	-0.04	-0.32	-0.09
Change in Other Net Operating Assets	0.19	-2.01	1.5	3.49
Other Operating Activities	-0.25	-0.32	0.19	-5.02
Net Cash from Discontinued Operations	32.35	77.98	-	-
Operating Cash Flow	32.61	78.36	-12.24	-37.36
Operating Cash Flow Growth	-58.38%	-	-	-
Capital Expenditures	-	-0.49	-0.56	-0.62
Sale of Property, Plant and Equipment	1.91	-	-	-
Cash Acquisitions	-	-	-	1.26
Investment in Securities	1.69	2.57	5.1	8.47
Divestitures	4.3	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	24.31	18.73	-218.12	-42.54
Other Investing Activities	-0.74	5.13	-4.42	-0.3
Investing Cash Flow	31.47	25.93	-218.01	-33.73
Short-Term Debt Issued	45	-	75.79	26
Long-Term Debt Issued	0.04	33.74	79	-
Total Debt Issued	45.04	33.74	154.79	26
Short-Term Debt Repaid	-	-100.2	-	-20.89
Long-Term Debt Repaid	-26.17	-57	-36.17	-49.24
Total Debt Repaid	-26.17	-157.2	-36.17	-70.13
Net Debt Issued (Repaid)	18.88	-123.46	118.62	-44.13
Issuance of Common Stock	2.57	3.03	2.74	0.18
Repurchase of Common Stock	-0.15	-0.43	-0.05	-0.03
Common Dividends Paid	-1.34	-1.15	-1.02	-0.84
Net Increase (Decrease) in Deposit Accounts	-78.45	71.6	102.08	92.32
Other Financing Activities	-0.61	-0.3	1.05	0.37
Financing Cash Flow	-59.1	-50.72	223.43	47.88
Net Cash Flow	4.98	53.57	-6.81	-23.21
Free Cash Flow	32.61	77.87	-12.8	-37.98
Free Cash Flow Growth	-58.12%	-	-	-
Free Cash Flow Margin	133.44%	317.48%	-31.50%	-124.93%
Free Cash Flow Per Share	12.65	34.23	-5.95	-18.14
Cash Interest Paid	25.22	25.79	8.37	4.56
Cash Income Tax Paid	0.84	2.66	2.9	2.29

Source: S&P Global Market Intelligence. Banks template. Financial Sources.