Call reports 2025
QUAINT OAK BANK — 2025
What QUAINT OAK BANK 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 | 651,475,000 | 671,994,000 | 677,994,000 | 676,826,000 |
| Total loans | 583,708,000 | 604,029,000 | 608,116,000 | 607,820,000 |
| Allowance for loan losses | 6,388,000 | 6,326,000 | 6,492,000 | 6,166,000 |
| Securities available for sale | 1,458,000 | 1,236,000 | 1,071,000 | 882,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 513,557,000 | 538,750,000 | 559,830,000 | 603,578,000 |
| Interest-bearing deposits | 449,467,000 | 464,128,000 | 495,789,000 | 506,187,000 |
| Noninterest-bearing deposits | 64,090,000 | 74,622,000 | 64,041,000 | 97,391,000 |
| Equity capital | 66,856,000 | 67,511,000 | 66,877,000 | 67,443,000 |
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 | 9,829,000 | 19,831,000 | 29,934,000 | 40,242,000 |
| Interest expense | 5,219,000 | 10,466,000 | 15,795,000 | 20,839,000 |
| Net interest income | 4,610,000 | 9,365,000 | 14,139,000 | 19,403,000 |
| Noninterest income | 1,864,000 | 4,001,000 | 5,822,000 | 7,558,000 |
| Noninterest expense | 5,464,000 | 10,957,000 | 16,619,000 | 22,955,000 |
| Provision for loan losses | 326,000 | 789,000 | 1,223,000 | 1,196,000 |
| Pretax income | 569,000 | 1,532,000 | 2,039,000 | 2,790,000 |
| Income tax | 139,000 | 449,000 | 588,000 | 772,000 |
| Net income | 430,000 | 1,083,000 | 1,451,000 | 2,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,398,000 | 67,062,000 | 66,438,000 | 67,014,000 |
| Total capital | 72,951,000 | 73,733,000 | 73,186,000 | 73,457,000 |
| Risk-weighted assets | 524,071,000 | 537,893,000 | 539,721,000 | 542,176,000 |