Net Income (Loss)

Q4 2024 reported a net loss of $40K

Net income turned negative in Q4 2024 at –$40K compared to previous periods. This change appears to be driven by underlying cost pressures and margin compression even as other funding and liquidity metrics improved. "

Net Interest Income

Q4 2024 reported $266K

The net interest income of $266K in Q4 2024 reflects the evolving structure of the interest rate environment and changes in loan and deposit dynamics relative to previous periods, as core lending revenues and deposit rates adjusted. "

Total Non-Interest Income

Q4 2024 reached $11K

Non‐interest income increased to $11K in Q4 2024, likely due to modest growth in fee‐based activities and rental or ancillary income relative to previous periods, though overall contributions remain small. "

Core Interest Revenues

Breakdown in Q4 2024: $327K (loans), $32K (deposits), $6K (dividends)

The breakdown—**$327K from interest/fees on loans, $32K from interest on deposits, and $6K from dividends—**shows that traditional lending remains the primary revenue source; however, comparisons to previous periods indicate that even modest shifts in loan yields or volumes can significantly impact the overall revenue mix. "

Operating Cash Inflow

Q4 2024 operating cash inflow of $144K

A positive operating cash inflow of $144K in Q4 2024 suggests some operational improvements over previous periods despite a net loss, which could be a result of cost management efforts and adjustments in working capital. "

Financing Activity Inflow

Q4 2024 inflow of $8,028K

The exceptionally high financing activity inflow of $8,028K in Q4 2024, relative to previous periods, indicates aggressive funding measures—such as increased deposits or debt issuance—that substantially improved liquidity, even though they also contributed to a higher leverage profile. "

Net Cash Increase

Q4 2024 net cash increase of $8,313K

Fueled primarily by the large financing activity inflow, the net cash increase of $8,313K shows that while operational performance was muted, strategic liquidity injections helped boost the cash position markedly compared to earlier periods. "

Cash and Cash Equivalents

Rose from $1,613K (Q3) to $9,937K (Q4)—an increase of over 500%

The surge in cash and cash equivalents by over 500% in Q4 2024 relative to Q3 is largely due to the substantial financing cash inflows, overshadowing the relatively lower operating performance and reflecting a deliberate effort to strengthen the liquidity position. " "

Total Assets

Increased from $35,105K (Q3) to $43,962K (Q4)—approximately a 25% rise

Total assets grew by around 25% in Q4 2024 as a direct result of the significant cash inflows, indicating improvements in liquidity; however, this asset expansion is coupled with other underlying challenges in revenue generation. " "

Total Liabilities

Increased from $21,149K (Q3) to $30,046K (Q4)—a roughly 42% surge

The total liabilities grew by approximately 42% in Q4 2024, driven by the same financing activities that bolstered cash and assets. This higher liability base suggests increased leverage compared to previous periods and signals a potential risk if operating performance does not improve. " "