Company: NSTS
Filing Date: 2025-03-28
Form Type: 10-K
Source: 0001437749-25-009831
Chunk: 694

Company: NSTS Bancorp, Inc.
Filing Date: 2025-03-28
Form: 10-K
Item: Item 3
Chunk 694
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     %

     147.67
     %

      (1) 
      Equals the difference between the yield on average earning-assets and the cost of average interest-bearing liabilities. 

      (2) 
      Equals total interest-earning assets less total interest-bearing liabilities. 

      (3) 
      Equals net interest income divided by average interest-earning assets. 

      34

Rate/Volume Analysis. The following table shows the extent to which changes in interest rates and changes in volume of interest-earning assets and interest-bearing liabilities affected our interest income and expense during the periods indicated. For each category of interest-earning assets and interest-bearing liabilities, information is provided on changes attributable to (1) changes in rate, which is the change in rate multiplied by prior year volume, and (2) changes in volume, which is the change in volume multiplied by prior year rate. The combined effect of changes in both rate and volume has been allocated proportionately to the change due to rate and the change due to volume.

      Years Ended December 31, 2024 vs. 2023 

      Total 

      Increase (Decrease) Due to 

      Increase 

      Volume 

      Rate 

      (Decrease) 

      (Dollars in thousands) 

      Interest-earning assets: 

      Loans 
      
     $
     1,174

     $
     1,251

     $
     2,425

      Federal funds sold and interest-bearing deposits in other banks 

     1,144

     121

     1,265

      Time deposits in other banks 

     (46
     )

     37

     (9
     )

      Investment securities 

     (913
     )

     (206
     )

     (1,119
     )

      FHLB of Chicago stock 

     1

     13

     14

      Total interest-earning assets 
      
     $
     1,360

     $
     1,216

     $
     2,576

      Interest-bearing liabilities: 

      Interest-bearing demand 
      
     $
     (1
     )
      
     $
     —

     $
     (1
     )

      Money market 

     (40
     )

     10

     (30
     )

      Savings 

     (7
     )

     1

     (6
     )

      Time deposit 

     560

     1,141