0000927089-23-000140.txt : 20231102 0000927089-23-000140.hdr.sgml : 20231102 20231102163727 ACCESSION NUMBER: 0000927089-23-000140 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 16 CONFORMED PERIOD OF REPORT: 20231102 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20231102 DATE AS OF CHANGE: 20231102 FILER: COMPANY DATA: COMPANY CONFORMED NAME: QUAINT OAK BANCORP INC CENTRAL INDEX KEY: 0001391933 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036] IRS NUMBER: 352293957 STATE OF INCORPORATION: PA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-52694 FILM NUMBER: 231373057 BUSINESS ADDRESS: STREET 1: 501 KNOWLES AVENUE CITY: SOUTHAMPTON STATE: PA ZIP: 18966 BUSINESS PHONE: 215 364 4059 MAIL ADDRESS: STREET 1: 501 KNOWLES AVENUE CITY: SOUTHAMPTON STATE: PA ZIP: 18966 8-K 1 qnto20231031_8k.htm FORM 8-K qnto20231031_8k.htm
false 0001391933 0001391933 2023-11-02 2023-11-02
 
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
 
Washington, D.C. 20549
 
FORM 8-K
 
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
 
Date of Report (Date of earliest event reported)
November 2, 2023
  
 
QUAINT OAK BANCORP, INC.
(Exact name of registrant as specified in its charter)
 
Pennsylvania
000-52694
35-2293957
(State or other jurisdiction
of incorporation)
(Commission File Number)
(IRS Employer
Identification No.)
 
501 Knowles Avenue, Southampton, Pennsylvania
18966
(Address of principal executive offices)
(Zip Code)
 
Registrant's telephone number, including area code
(215) 364-4059
 
Not Applicable
(Former name or former address, if changed since last report)
 
 
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2 below):
 
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
 
Securities registered pursuant to Section 12(b) of the Act: None
 
Title of each Class
Trading Symbol(s)
Name of each exchange on which registered
     
 
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
 
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
 
 
 
 
Item 2.02        Results of Operations and Financial Condition
 
On November 2, 2023, Quaint Oak Bancorp, Inc. (the “Company”) reported its results of operations for the third quarter ended September 30, 2023.
 
For additional information, reference is made to the Company’s press release dated November 2, 2023, which is included as Exhibit 99.1 hereto and is incorporated herein by reference thereto.  The press release attached hereto is being furnished to the SEC and shall not be deemed to be “filed” for any purpose except as otherwise provided herein.
 
Item 9.01        Financial Statements and Exhibits
 
(a)
Not applicable.
(b)
Not applicable.
(c)
Not applicable.
(d)
Exhibits
 
 
The following exhibit is included with this Report:
 
Exhibit Number
  
Description
99.1
   Press release dated November 2, 2023
104
  
Cover Page Interactive Data File (embedded within the Inline XBRL document)
 
2
 
 
 
SIGNATURES
 
 
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.
 
 
QUAINT OAK BANCORP, INC.
     
     
     
Date: November 2, 2023
By:
 /s/ John J. Augustine
 
 
John J. Augustine
 
 
Executive Vice President and Chief Financial Officer
 
3
EX-99.1 2 ex_588840.htm EXHIBIT 99.1 ex_588840.htm

Exhibit 99.1

 

 

 
qologo10-1123.jpg

 

 

FOR RELEASE: Thursday, November 2, 2023 at 4:30 PM (Eastern)

 

 

QUAINT OAK BANCORP, INC. ANNOUNCES THIRD QUARTER EARNINGS

 

Southampton, PA – Quaint Oak Bancorp, Inc. (the “Company”) (OTCQB: QNTO), the holding company for Quaint Oak Bank (the “Bank”), announced today a net loss for the quarter ended September 30, 2023 of $255,000, or $0.11 per basic and diluted share, compared to net income of $2.6 million, or $1.29 per basic and $1.22 per diluted share for the same period in 2022. Net income for the nine months ended September 30, 2023 was $878,000, or $0.40 per basic and $0.39 per diluted share, compared to $6.7 million, or $3.27 per basic and $3.09 per diluted share for the same period in 2022.

 

Robert T. Strong, President and Chief Executive Officer stated, “The recent actions of the Federal Reserve Bank have exacted a toll on the banking system, such as we have not experienced in modern history. The compression on net interest margins has been significant and the amount of funds leaving the banking system has been overwhelming.”

 

Mr. Strong added, “The effect at Quaint Oak has been substantial, however, it appears likely that we have experienced the full impact and are in recovery mode. We have taken significant steps to realign our balance sheet with a reduction in higher cost deposits combined with an increase in low to no cost commercial checking balances.”

 

Mr. Strong continued, “We have continued to sell certain loan assets, thereby producing income, reducing our asset size, increasing capital ratios and reducing leveraged financing.”

 

Mr. Strong commented, “Although, we have experienced one relatively large loan loss, it had been completely reserved against.  Otherwise, our loan portfolio continues to perform with our non-performing loans as a percent of loans receivable, net at 0.02% and nonperforming assets as a percent of total assets also at 0.02%, both calculations are as of September 30, 2023.  Additionally, our Texas ratio as of September 30, 2023 was 0.22%.”

 

Mr. Strong concluded, “In an effort to support our focus on capital conservation, members of our Board of Directors and Executive Officers recently invested $580,000 to augment our capital through direct stock purchases and exercises of stock options.  As previously announced, the Board of Directors on October 11, 2023, declared a quarterly cash dividend of $0.13 per share on the common stock of the Company payable on November 6, 2023. As always, our current and continued business strategy focuses on long-term profitability and maintaining healthy capital ratios both of which reflect our strong commitment to shareholder value.”
 
On January 4, 2021, Quaint Oak Bank, the wholly-owned subsidiary of Quaint Oak Bancorp, Inc., invested $2.3 million for a 51% majority ownership interest in Oakmont Capital Holdings, LLC (“Oakmont”), a multi-state equipment finance company based in West Chester, Pennsylvania with a second significant facility located in Albany, Minnesota. The financial results that follow include Quaint Oak Bank’s investment in Oakmont. Quaint Oak Bank reflects the 49% interest it does not hold in Oakmont in its consolidated financial statements as noncontrolling interest.

 

1
 

 

Comparison of Quarter-over-Quarter Operating Results

 

Net loss amounted to $255,000 for the three months ended September 30, 2023, a decrease of $2.9 million, or 109.7%, compared to net income of $2.6 million for the three months ended September 30, 2022. The decrease in net income on a comparative quarterly basis was primarily the result of a decrease in non-interest income of $2.9 million, a decrease in net interest income of $1.7 million, and an increase in non-interest expense of $1.1 million, partially offset by a decrease in net income attributable to noncontrolling interest of $1.4 million, a decrease in the provision for income taxes of $1.1 million, and a decrease in the provision for credit losses of $398,000.

 

The $1.7 million, or 26.1%, decrease in net interest income for the three months ended September 30, 2023 over the comparable period in 2022 was driven by a $3.7 million, or 158.6%, increase in interest expense, partially offset by a $2.0 million, or 21.9%, increase in interest income.

 

The $3.7 million, or 158.6%, increase in interest expense for the three months ended September 30, 2023 over the comparable period in 2022 was primarily attributable to a 292 basis point increase in the rate on average money market accounts which increased from 1.50% for the three months ended September 30, 2022 to 4.42% for the three months ended September 30, 2023 and had the effect of increasing interest expense by $1.7 million. Also contributing to the increase in interest expense was a 224 basis point increase in average rate of certificates of deposit, which increased from 1.11% for the three months ended September 30, 2022 to 3.35% for the three months ended September 30, 2023, and had the effect of increasing interest expense by $1.2 million. Also contributing to the increase in interest expense was a 324 basis point increase in the rate on average FHLB short-term borrowings which increased from 2.56% for the three months ended September 30, 2022 to 5.80% for the three months ended September 30, 2023 and had the effect of increasing interest expense by $435,000. The average interest rate spread decreased from 3.50% for the three months ended September 30, 2022 to 1.64% for the three months ended September 30, 2023 while the net interest margin decreased from 3.75% for the three months ended September 30, 2022 to 2.63% for the three months ended September 30, 2023.

 

The $2.0 million, or 21.9%, increase in interest income was primarily due to a a 64 basis point increase in the yield on average loans receivable, net, including loans held for sale, which increased from 5.20% for the three months ended September 30, 2022 to 5.84% for the three months ended September 30, 2023, and had the effect of increasing interest income $1.2 million. Also contributing to the increase in interest income was a $67.4 million increase in average loans receivable, net, including loans held for sale, which increased from an average balance of $666.5 million for the three months ended September 30, 2022 to an average balance of $733.9 million for the three months ended September 30, 2023, and had the effect of increasing interest income $877,000.

 

The $398,000, or 60.8%, decrease in the provision for credit losses for the three months ended September 30, 2023 over the three months ended September 30, 2022 was primarily due to the implementation of ASU 2016-13, Financial Instruments – Credit Losses, which became effective for the Company as of January 1, 2023. More specifically, under the Company’s current Allowance for Credit Losses accounting model, certain qualitative factors used prior to the adoption of ASU 2016-13 were evaluated and adjusted in accordance with the model criteria and the elimination of the general reserve which was used in the past to cover uncertainties that could affect management’s estimate of probable losses.

 

The $2.9 million, or 49.3%, decrease in non-interest income for the three months ended September 30, 2023 over the comparable period in 2022 was primarily attributable to a $3.2 million, or 75.4%, decrease in net gain on loans held for sale as the total amount of loans sold decreased from $132.4 million for the three months ended September 30, 2022 to $82.5 million for the three months ended September 30, 2023. The primary reason for the decrease in loan sales was the general lack of liquidity in the marketplace. Also contributing to the decrease in non-interest income was a $321,000, or 42.2%, decrease in mortgage banking, equipment lending, and title abstract fees, and a $72,000, or 81.8%, decrease in real estate sales commissions, net. These decreases were reflective of market conditions driven by the current interest rate environment. These decreases were partially offset by a $324,000, or 67.5%, increase in loan servicing income, a $278,000, or 212.2%, increase in other fees and service charges, a $38,000, or 25.0%, increase in insurance commissions, and a $37,000, or 63.8%, increase in gain on sale of SBA loans. The increase in loan servicing fee income was primarily due to the increase in the balance of loans serviced by Oakmont.

 

2
 

 

The $1.1 million, or 15.2%, increase in non-interest expense for the three months ended September 30, 2023 over the comparable period in 2022 was primarily due to an $855,000, or 134.4%, increase in other expense, a $181,000, or 37.9%, increase in occupancy and equipment expense, a $172,000, or 122.9%, increase in data processing expense, a $41,000, or 61.2% increase in director’s fees and expenses, and a $21,000, or 8.2% increase in professional fees. The increase in other expense is primarily due to ongoing costs incurred as a result of the Bank’s correspondent banking initiatives. Oakmont contributed to the increases in occupancy and equipment expense, and other expense for the three months ended September 30, 2023. The increase in non-interest expense was partially offset by a $91,000, or 53.8%, decrease in advertising expense, a $39,000, or 0.7%, decrease in salaries and employee benefits expense, and a $28,000, or 12.4%, decrease in FDIC deposit insurance assessment.

 

The provision for income tax decreased $1.1 million, or 108.0%, from $1.0 million for the three months ended September 30, 2022 to a tax benefit of $81,000 for the three months ended September 30, 2023 due primarily to the decrease in pre-tax income.

 

Comparison of Nine-Month Operating Results

 

Net income amounted to $878,000 for the nine months ended September 30, 2023, a decrease of $5.8 million, or 86.8%, compared to net income of $6.7 million for the nine months ended September 30, 2022. The decrease in net income on a comparative nine-month basis was primarily the result of an increase in non-interest expense of $4.3 million, a decrease in non-interest income of $6.0 million, and a decrease in net interest income of $2.4 million, partially offset by a decrease in net income attributable to noncontrolling interest of $3.4 million, a decrease in the provision for income taxes of $2.1 million, and a decrease in the provision for credit losses of $1.5 million.

 

The $2.4 million, or 13.4%, decrease in net interest income for the nine months ended September 30, 2023 over the comparable period in 2022 was driven by a $13.4 million, or 283.5%, increase in interest expense, partially offset by an $11.0 million, or 48.5%, increase in interest income.

 

The $13.4 million, or 283.5%, increase in interest expense for the nine months ended September 30, 2023 over the comparable period in 2022 was primarily attributable to a 308 basis point increase in the rate on average money market accounts which increased from 0.96% for the nine months ended September 30, 2022 to 4.04% for the nine months ended September 30, 2023 and had the effect of increasing interest expense by $5.5 million. Also contributing to the increase in interest expense was a 190 basis point increase in average rate of certificates of deposit, which increased from 0.98% for the nine months ended September 30, 2022 to 2.88% for the nine months ended September 30, 2023, and had the effect of increasing interest expense by $3.1 million. Also contributing to the increase in interest expense was a 447 basis point increase in the rate on average FHLB short-term borrowings which increased from 0.83% for the nine months ended September 30, 2022 to 5.30% for the nine months ended September 30, 2023 and had the effect of increasing interest expense by $3.0 million. The average interest rate spread decreased from 3.54% for the nine months ended September 30, 2022 to 1.88% for the nine months ended September 30, 2023 while the net interest margin decreased from 3.73% for the nine months ended September 30, 2022 to 2.67% for the nine months ended September 30, 2023.

 

The $11.0 million, or 48.5%, increase in interest income was primarily due to a $162.0 million increase in average loans receivable, net, including loans held for sale, which increased from an average balance of $595.4 million for the nine months ended September 30, 2022 to an average balance of $757.4 million for the nine months ended September 30, 2023, and had the effect of increasing interest income $6.0 million. Also contributing to the increase in interest income was an 83 basis point increase in the yield on average loans receivable, net, including loans held for sale, which increased from 4.97% for the nine months ended September 30, 2022 to 5.80% for the nine months ended September 30, 2023, and had the effect of increasing interest income $4.7 million.

 

3
 

 

As was the case for the quarter, the $1.5 million, or 76.2%, decrease in the provision for credit losses for the nine months ended September 30, 2023 over the nine months ended September 30, 2022 was primarily due to the implementation of ASU 2016-13, Financial Instruments – Credit Losses, which became effective for the Company as of January 1, 2023. More specifically, under the Company’s current Allowance for Credit Losses accounting model, certain qualitative factors used prior to the adoption of ASU 2016-13 were evaluated and adjusted in accordance with the model criteria and the elimination of the general reserve which was used in the past to cover uncertainties that could affect management’s estimate of probable losses.

 

The $6.0 million, or 37.9%, decrease in non-interest income for the nine months ended September 30, 2023 over the comparable period in 2022 was primarily attributable to an $8.3 million, or 73.5%, decrease in net gain on loans held for sale as the total amount of loans sold decreased from $397.0 million for the nine months ended September 30, 2022 to $306.0 million for the nine months ended September 30, 2023. As similar to the quarter, the primary reason for the decrease in loan sales was the general lack of liquidity in the marketplace. Also contributing to the decrease in non-interest income was a $410,000, or 18.5%, decrease in mortgage banking, equipment lending, and title abstract fees, and a $125,000, or 58.7%, decrease in real estate sales commissions, net. As it was for the quarter, these decreases were a reflection of general economic conditions driven by the current interest rate environment. These decreases were partially offset by a $2.2 million, or 230.8%, increase in loan servicing income, a $473,000, or 124.8%, increase in other fees and service charges, a $121,000, or 53.8%, increase in gain on sale of SBA loans, and a $79,000, or 19.4%, increase in insurance commissions. The increase in loan servicing fee income was primarily due to the increase in the balance of loans serviced by Oakmont.

 

The $4.3 million, or 21.6%, increase in non-interest expense for the nine months ended September 30, 2023 over the comparable period in 2022 was primarily due to a $2.1 million, or 135.9%, increase in other expense, a $1.3 million, or 9.1%, increase in salaries and employee benefits expense, a $383,000, or 28.1%, increase in occupancy and equipment expense, a $237,000, or 47.4%, increase in data processing expense, a $215,000, or 47.4%, increase in FDIC deposit insurance assessment, a $105,000, or 50.0%, increase in director’s fees and expenses, and a $9,000, or 1.3% increase in professional fees. As was the case for the quarter, the increase in other expense is primarily due to ongoing costs incurred as a result of the Bank’s correspondent banking initiatives. The increase in salaries and employee benefits expense is primarily due to expanding and improving the level of staff at the Bank and Oakmont. Oakmont also contributed to the increases in occupancy and equipment expense, advertising expense, and other expense for the nine months ended September 30, 2023. The increase in non-interest expense was partially offset by a $17,000, or 3.2%, decrease in advertising expense.

 

The provision for income tax decreased $2.1 million, or 83.8%, from $2.5 million for the nine months ended September 30, 2022 to $410,000 for the nine months ended September 30, 2023 due primarily to the decrease in pre-tax income.

 

4
 

 

Comparison of Financial Condition

 

The Company’s total assets at September 30, 2023 were $762.2 million, a decrease of $30.2 million, or 3.8%, from $792.4 million at December 31, 2022. This decrease in total assets was primarily due to a $38.4 million, or 28.8%, decrease in loans held for sale, and a $3.3 million, or 49.8%, decrease in investment in Federal Home Loan Bank stock, at cost. Partially offsetting this decrease was a $6.7 million, or 173.3%, increase in cash and cash equivalents, and a $4.3 million, or 0.7%, increase in loans receivable, net. The largest increases within the loan portfolio occurred in commercial real estate loans which increased $15.2 million, or 4.6%, multi-family residential loans which increased $3.9 million, or 8.3%, one-to-four family non-owner occupied loans which increased $2.6 million, or 6.7%, construction loans which increased $2.5 million, or 8.7%, home equity loans which increased $1.1 million, or 21.9%, one-to-four family owner occupied loans which increased $1.1 million, or 5.6%, and other consumer loans which increased $70,000. Partially offsetting these increases was a $23.1 million, or 14.5% decrease in commercial business loans.

 

Loans held for sale decreased $38.4 million, or 28.8%, from $133.2 million at December 31, 2022 to $94.8 million at September 30, 2023 as the Bank originated $207.7 million in equipment loans held for sale and sold $209.3 million of equipment loans during the nine months ended September 30, 2023. Contributing to the decrease in loans held for sale is $37.3 million of loan amortization and prepayments. Additionally, the Bank’s mortgage banking subsidiary, Quaint Oak Mortgage, LLC, originated $59.9 million of one-to-four family residential loans during the nine months ended September 30, 2023 and sold $59.4 million of loans in the secondary market during this same period.

 

Total deposits increased $46.3 million, or 8.4%, to $595.6 million at September 30, 2023 from $549.2 million at December 31, 2022. This increase in deposits was primarily attributable to an increase of $62.4 million, or 70.3%, in non-interest bearing checking accounts, and an increase of $22.6 million, or 11.4%, in certificates of deposit. The increase in total deposits was partially offset by a $38.2 million, or 14.7%, decrease in money market accounts, and a $440,000, or 27.6%, decrease in savings accounts.

 

Total Federal Home Loan Bank (FHLB) borrowings decreased $83.2 million, or 52.3%, to $76.0 million at September 30, 2023 from $159.2 million at December 31, 2022. During the nine months ended September 30, 2023, the Company borrowed $61.5 million of FHLB short-term borrowings and $20.0 million of FHLB long-term borrowings. During the nine months ended September 30, 2023, the Company paid down $119.7 million of FHLB short-term borrowings and $45.0 million of FHLB long-term borrowings. Federal Reserve Bank (FRB) borrowings decreased $7.0 million, or 100.0%, to none at September 30, 2023 as the Company paid off the $7.0 million of FRB borrowings at December 31, 2022. Other borrowings increased $314,000, or 5.7%, to $5.8 million at September 30, 2023 from $5.5 million at December 31, 2022.

 

Subordinated debt, net of unamortized debt issuance costs, increased $13.9 million, or 174.7%, to $21.9 million at September 30, 2023 from $8.0 million at December 31, 2022 as the Company completed a private offering of $12.0 million in aggregate principal amount of fixed rate subordinated notes to certain qualified institutional buyers on March 2, 2023. On March 16, 2023, the Company completed an additional private offering of $2.0 million in aggregate principal amount of fixed rate subordinated notes to certain accredited investors. The subordinated notes from both offerings are due March 15, 2025. The Company intends to use the net proceeds of the offerings for general corporate purposes.

 

         Total stockholders’ equity decreased $743,000, or 1.5%, to $48.3 million at September 30, 2023 from $49.1 million at December 31, 2022. Contributing to the decrease was the noncontrolling interest distribution of $866,000, dividends paid of $859,000, net loss attributable to noncontrolling interest of $818,000, and purchase of treasury stock of $433,000, partially offset by net income for the nine months ended September 30, 2023 of $878,000, the reissuance of treasury stock for exercised stock options of $529,000, the issuance of treasury stock under the stock incentive plan of $414,000, the reissuance of treasury stock under the Bank’s 401(k) Plan of $218,000, amortization of stock awards and options under our stock compensation plans of $165,000, shares issued from authorized and unallocated of $20,000, and other comprehensive income, net of $9,000.

 

5
 

 

Non-performing loans at September 30, 2023 consisted of one SBA loan and one commercial business loan on non-accrual status in the amount of $122,000. The non-performing loans at September 30, 2023 are generally well-collateralized or adequately reserved for. During the nine months ended September 30, 2023, one commercial business loan, one commercial real estate, and one equipment loan totaling $233,000 that were previously on non-accrual were charged-off through the allowance for credit losses. In addition, there was one commercial business loan in the amount of $652,000 that was written down by $603,000. The allowance for credit losses as a percent of total loans receivable, net was 1.12% at September 30, 2023 and 1.22% at December 31, 2022. Non-performing assets amounted to $122,000, or 0.02% of total assets at September 30, 2023 compared to $2.0 million, or 0.25%, of total net assets at December 31, 2022.

 

Quaint Oak Bancorp, Inc., a Financial Services Company, is the parent company for the Quaint Oak Family of Companies. Quaint Oak Bank, a Pennsylvania-chartered stock savings bank and wholly-owned subsidiary of the Company, is headquartered in Southampton, Pennsylvania and conducts business through three regional offices located in the Delaware Valley, Lehigh Valley and Philadelphia markets. Quaint Oak Bank’s subsidiary companies include, Quaint Oak Abstract, LLC, Quaint Oak Insurance Agency, LLC, Quaint Oak Mortgage, LLC, Quaint Oak Real Estate, LLC, and Oakmont Commercial, LLC, a specialty commercial real estate financing company. All companies are multi-state operations with the exception of Quaint Oak Real Estate, LLC, which operates solely in Pennsylvania. Quaint Oak Bank also has a majority equity position in Oakmont Capital Holdings, LLC, a multi-state equipment finance company based in West Chester, Pennsylvania with a second significant facility located in Albany, Minnesota.

 

Statements contained in this news release which are not historical facts may be forward-looking statements as that term is defined in the Private Securities Litigation Reform Act of 1995. Such forward-looking statements are subject to risks and uncertainties which could cause actual results to differ materially from those currently anticipated due to a number of factors. Factors which could result in material variations include, but are not limited to, changes in interest rates which could affect net interest margins and net interest income, competitive factors which could affect net interest income and noninterest income, changes in demand for loans, deposits and other financial services in the Company's market area; changes in asset quality, general economic conditions as well as other factors discussed in documents filed by the Company with the Securities and Exchange Commission from time to time. The Company undertakes no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made.

 

In addition to factors previously disclosed in the reports filed by the Company with the Securities and Exchange Commission and those identified elsewhere in this press release, the following factors, among others, could cause actual results to differ materially from forward-looking statements or historical performance: the strength of the United States economy in general and the strength of the local economies in which the Company conducts its operations; general economic conditions; legislative and regulatory changes; monetary and fiscal policies of the federal government; changes in tax policies, rates and regulations of federal, state and local tax authorities including the effects of the Tax Reform Act; changes in interest rates, deposit flows, the cost of funds, demand for loan products and the demand for financial services, competition, changes in the quality or composition of the Company’s loan, investment and mortgage-backed securities portfolios; geographic concentration of the Company’s business; fluctuations in real estate values; the adequacy of loan loss reserves; the risk that goodwill and intangibles recorded in the Company’s financial statements will become impaired; changes in accounting principles, policies or guidelines and other economic, competitive, governmental and technological factors affecting the Company’s operations, markets, products, services and fees.

 

 

6
 

 

 

QUAINT OAK BANCORP, INC.

  

Consolidated Balance Sheets

  

(In Thousands)

  
   

At September 30,

    

At December 31,

 
   

2023

    

2022

  
   

(Unaudited)

    

(Unaudited)

  

Assets

                
                 

Cash and cash equivalents

   $ 10,638     $ 3,893  

Investment in interest-earning time deposits

     2,162       3,833  

Investment securities available for sale at fair value

     2,481       2,970  

Loans held for sale

     94,806       133,222  

Loans receivable, net of allowance for credit losses  (2023: $7,121; 2022: $7,678)

     626,200       621,864  

Accrued interest receivable

     3,319       3,462  

Investment in Federal Home Loan Bank stock, at cost

     3,314       6,601  

Bank-owned life insurance

     4,301       4,226  

Premises and equipment, net

     3,092       2,775  

Goodwill

     2,573       2,573  

Other intangible, net of accumulated amortization

     137       174  

Prepaid expenses and other assets

     9,179       6,757  
Total Assets   $ 762,202     $ 792,350  

  

Liabilities and Stockholders’ Equity

                

Liabilities

                

Deposits

                

Non-interest bearing

   $ 151,111     $ 88,728  

Interest-bearing

     444,445       460,520  

Total deposits

     595,556       549,248  

Federal Home Loan Bank short-term borrowings

     35,000       93,200  

Federal Home Loan Bank long-term borrowings

     41,022       66,022  

Federal Reserve Bank borrowings

     -       7,000  

Other short-term borrowings

     5,803       5,489  

Subordinated debt

     21,884       7,966  

Accrued interest payable

     882       584  

Advances from borrowers for taxes and insurance

     3,412       4,186  

Accrued expenses and other liabilities

     10,304       9,573  

Total Liabilities

     713,863       743,268  

Total Quaint Oak Bancorp, Inc. Stockholders’ Equity

     45,734       44,793  

Noncontrolling Interest

     2,605       4,289  

Total Stockholders’ Equity

     48,339       49,082  

Total Liabilities and Stockholders’ Equity

   $ 762,202     $ 792,350  

 

 

QUAINT OAK BANCORP, INC.

Consolidated Statements of Income

(In Thousands, except share data)

 

   

For the Three Months Ended

   

For the Nine Months Ended

  
   

September 30,

    

September 30,

  
   

2023

    

2022

    

2023

    

2022

  

Interest Income

 

(Unaudited)

(Unaudited)  

Interest on loans, including fees

   $ 10,710     $ 8,671     $ 32,935     $ 22,171  

Interest and dividends on time deposits, investment securities, interest-bearing deposits with others, and Federal Home Loan Bank stock

     260       325       750       506  

Total Interest Income

     10,970       8,996       33,685       22,677  
                                 

Interest Expense

                                

Interest on deposits

     4,318       1,672       11,811       3,199  

Interest on Federal Home Loan Bank short-term borrowings

     783       58       3,583       133  

Interest on Federal Home Loan Bank long-term borrowings

     372       457       1,003       958  

Interest on Federal Reserve Bank long-term borrowings

     11       -       30       4  

Interest on subordinated debt

     148       130       705       390  

Interest on other short-term borrowings

     417       22       1,021       49  

Total Interest Expense

     6,049       2,339       18,153       4,733  

 

7
 

 

QUAINT OAK BANCORP, INC.

Consolidated Statements of Income

(In Thousands, except share data)

   

For the Three Months Ended

   

For the Nine Months Ended

 
   

September 30,

    

September 30,

  
   

2023

    

2022

    

2023

    

2022

  
   

(Unaudited)

    

(Unaudited)

  
                                 

Net Interest Income

   $ 4,921     $ 6,657     $ 15,532     $ 17,944  

Provision for Credit Losses

     257       655       460       1,933  

Net Interest Income after Provision for Credit Losses

     4,664       6,002       15,072       16,011  
                                 

Non-Interest Income

                               

Mortgage banking, equipment lending and title abstract fees

     439       760       1,811       2,221  

Real estate sales commissions, net

     16       88       88       213  

Insurance commissions

     190       152       486       407  

Other fees and services charges

     409       131       852       379  

Net loan servicing income

     804       480       3,156       954  

Income from bank-owned life insurance

     26       23       75       66  

Net gain on loans held for sale

     1,052       4,281       3,005       11,349  

Gain on the sale of SBA loans

     95       58       346       225  

Total Non-Interest Income

     3,031       5,973       9,819       15,814  
                                 

Non-Interest Expense

                                

Salaries and employee benefits

     5,296       5,335       16,166       14,817  

Directors' fees and expenses

     108       67       315       210  

Occupancy and equipment

     658       477       1,746       1,363  

Data processing

     312       140       737       500  

Professional fees

     278       257       678       669  

FDIC deposit insurance assessment

     197       225       669       454  

Advertising

     78       169       514       531  

Amortization of other intangible

     12       12       36       36  

Other

     1,491       636       3,560       1,509  

Total Non-Interest Expense

     8,430       7,318       24,421       20,089  

(Loss) Income before Income Taxes

   $ (735 )   $ 4,657     $ 470     $ 11,736  

Income Taxes

     (81 )     1,012       410       2,531  
Net (Loss) Income   $ (654 )   $ 3,645     $ 60     $ 9,205  
Net (Loss) Income Attributable to Noncontrolling Interest   $ (399 )   $ 1,010     $ (818 )   $ 2,551  
Net (Loss) Income Attributable to Quaint Oak Bancorp, Inc.   $ (255 )   $ 2,635     $ 878     $ 6,654  

 

 

   

Three Months Ended

September 30,

    

Nine Months Ended

September 30,

  
   

2023

    

2022

    

2023

    

2022

  

Per Common Share Data:

  

(Unaudited)

    

(Unaudited)

  

Earnings per share – basic

   $ (0.11 )   $ 1.29     $ 0.40     $ 3.27  

Average shares outstanding – basic

     2,244,163       2,050,650       2,221,441       2,034,153  

Earnings per share – diluted

   $ (0.11 )   $ 1.22     $ 0.39     $ 3.09  

Average shares outstanding - diluted

     2,260,176       2,168,732       2,255,315       2,150,944  

Book value per share, end of period

   $ 20.12     $ 20.07     $ 20.12     $ 20.07  

Shares outstanding, end of period

     2,273,051       2,053,554       2,273,051       2,053,554  

 

 

8
 

 

   

Three Months Ended

September 30,

    

Nine Months Ended

September 30,

  
   

2023

    

2022

    

2023

    

2022

  

Selected Operating Ratios:

  

(Unaudited)

    

(Unaudited)

  

Average yield on interest-earning assets

     5.85 %     5.06 %     5.80 %     4.72 %

Average rate on interest-bearing liabilities

     4.21 %     1.56 %     3.92 %     1.18 %

Average interest rate spread

     1.64 %     3.50 %     1.88 %     3.54 %

Net interest margin

     2.63 %     3.75 %     2.67 %     3.73 %

Average interest-earning assets to average interest-bearing liabilities

     130.48 %     118.28 %     125.47 %     119.65 %

Efficiency ratio

     106.01 %     57.94 %     96.33 %     59.51 %
                                 
Asset Quality Ratios (1):                                

Non-performing loans as a percent of total loans receivable, net

     0.02 %     0.30 %     0.02 %     0.30 %

Non-performing assets as a percent of total assets

     0.02 %     0.24 %     0.02 %     0.24 %

Allowance for credit losses as a percent of non-performing loans

  

 

 n/m       416.27 %  

 

 n/m       416.27 %

Allowance for credit losses as a percent of total loans receivable, net

     1.12 %     1.22 %     1.12 %     1.22 %

Texas Ratio (2)

     0.22 %     3.10 %     0.22 %     3.10 %

 

 

 (1)  

Asset quality ratios are end of period ratios.
 (2)  

Total non-performing assets divided by tangible common equity plus the allowance for credit losses.

n/m – not meaningful

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

qocontact10-1123.jpg

 

 

 

 

9
 
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Document And Entity Information
Nov. 02, 2023
Document Information [Line Items]  
Entity, Registrant Name QUAINT OAK BANCORP, INC.
Document, Type 8-K
Document, Period End Date Nov. 02, 2023
Entity, Incorporation, State or Country Code PA
Entity, File Number 000-52694
Entity, Tax Identification Number 35-2293957
Entity, Address, Address Line One 501 Knowles Avenue
Entity, Address, City or Town Southampton
Entity, Address, State or Province PA
Entity, Address, Postal Zip Code 18966
City Area Code 215
Local Phone Number 364-4059
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Entity, Emerging Growth Company false
Amendment Flag false
Entity, Central Index Key 0001391933

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