As of or for the Three Months Ended March 31,

2023

2022

Quaint Oak Bank(1)

Oakmont Capital Holdings, LLC

Consolidated

Quaint Oak Bank(1)

Oakmont Capital Holdings, LLC

Consolidated

Net Interest Income (Loss)

$

5,596

$

(287

)

$

5,309

$

5,501

$

(23

)

$

5,478

Provision for Credit Losses

392

-

392

679

-

679

Net Interest Income (Loss) after Provision for Credit Losses

5,204

(287

)

4,917

4,822

(23

)

4,799

Non-Interest Income

Mortgage banking, equipment lending and title abstract fees

137

669

806

204

433

637

Real estate sales commissions, net

24

-

24

61

-

61

Insurance commissions

136

-

136

116

-

116

Other fees and services charges

98

133

231

149

17

166

Net loan servicing income

143

1,086

1,229

5

160

165

Income from bank-owned life insurance

24

-

24

21

-

21

Net gain on loans held for sale

391

489

880

1,038

3,172

4,210

Gain on the sale of SBA loans

50

-

50

133

-

133

Total Non-Interest Income

1,003

2,377

3,380

1,727

3,782

5,509

Non-Interest Expense

Salaries and employee benefits

3,576

1,766

5,342

3,238

1,353

4,591

Directors’ fees and expenses

105

-

105

71

-

71

Occupancy and equipment

342

185

527

308

112

420

Data processing

217

-

217

197

-

197

Professional fees

148

27

175

171

13

184

FDIC deposit insurance assessment

232

-

232

116

-

116

Advertising

83

216

299

85

123

208

Amortization of other intangible

12

-

12

-

12

Other

593

128

721

299

85

384

Total Non-Interest Expense

5,308

2,322

7,630

4,497

1,686

6,183

Pretax Segment Profit (Loss)

$

899

$

(232

)

$

667

$

2,052

$

2,073

$

4,125

Net (Loss) Income Attributable to Noncontrolling Interest

$

(114

)

$

-

$

(114

)

$

1,016

$

-

$

1,016

Segment Assets

$

767,307

$

44,293

$

811,600

$

514,970

$

20,896

$

535,866