Company: NSTS
Filing Date: 2025-03-28
Form Type: 10-K
Source: 0001437749-25-009831
Chunk: 397

Company: NSTS Bancorp, Inc.
Filing Date: 2025-03-28
Form: 10-K
Item: Item 1A
Chunk 397
---
 at December 31, 2024. The following table summarizes our outstanding commitments to originate loans and to advance additional amounts pursuant to outstanding letters of credit, lines of credit and undisbursed construction loans at December 31, 2024.

      Total Amounts Committed at 

      Amount of Commitment Expiration – Per Period 

      December 31, 2024 

      To 1 Year 

      1-3 Years 

      4-5 Years 

      After 5 Years 

      (Dollars in thousands) 

      Unused line of credit 
      
     $
     8,950

     $
     254

     $
     1,360

     $
     765

     $
     6,571

      Commitments to originate loans 

     1,109

     1,109

     —

     —

     —

      Total commitments 
      
     $
     10,059

     $
     1,363

     $
     1,360

     $
     765

     $
     6,571

      38

Cash Obligations. The following table summarizes our cash obligations at December 31, 2024.

      Total at 

      Payments Due By Period 

      December 31, 2024 

      To 1 Year 

      1-3 Years 

      4-5 Years 

      After 5 Years 

      (Dollars in thousands) 

      Time deposits 
      
     $
     92,819

     $
     63,630

     $
     15,246

     $
     13,943

     $
     —

      Other borrowings 

     5,000

     5,000

     —

     —

     —

      Total cash obligations 
      
     $
     97,819

     $
     68,630

     $
     15,246

     $
     13,943

     $
     —

Impact of Inflation and Changing Prices

The financial statements and related financial data presented herein have been prepared in accordance with accounting principles generally accepted in the United States of America, which generally require the measurement of financial position and operating results in terms of historical dollars, without considering changes in relative purchasing power over time due to inflation. Unlike most industrial companies, virtually all of our assets and liabilities are monetary in nature. As a result, interest rates generally have a more significant impact on our performance than does the