Company: NSTS
Filing Date: 2025-11-13
Form Type: 10-Q
Source: 0001437749-25-034806
Chunk: 52

Company: NSTS Bancorp, Inc.
Filing Date: 2025-11-13
Form: 10-Q
Item: Item 1
Chunk 52
---
 on sale of mortgage loans   (1,089)  (695)
 (Reversal of) provision for credit losses   (30)  142 
 Earnings on bank owned life insurance   (173)  (162)
 ESOP expense   191   154 
 Stock based compensation   504   486 
 Change in deferred income taxes   949   556 
 Net change in accrued interest receivable and other assets   (810)  (873)
 Net change in accrued expenses and other liabilities   (1,717)  172 
 Net cash provided by operating activities   841   74 
 Cash flows from investing activities:         
 Net change in portfolio loans   (5,285)  (15,753)
 Principal repayments on mortgage-backed securities   4,431   4,154 
 Purchases of securities available for sale   (10,850)  — 
 Maturities and calls of securities available for sale   1,080   4,300 
 Purchase of Federal Home Loan Bank stock   (20)  (35)
 Net change in time deposits with other financial institutions   249   497 
 Purchases of premises and equipment, net   (96)  (184)
 Net cash used in investing activities   (10,491)  (7,021)
 Cash flows from financing activities:         
 Net change in deposits   (4,089)  11,061 
 Net change in escrow deposits   (499)  (508)
 Repayment of FHLB Advance   (5,000)  — 
 Purchase of treasury shares (None and 51,845 shares for the nine months ended September 30, 2025 and 2024, respectively)   —   (508)
 Purchase of treasury stock from taxes withheld on stock awards   (108)  (109)
 Proceeds from exercise of stock options   —   215 
 Net cash (used in) provided by financing activities   (9,696)  10,151 
 Net change in cash and cash equivalents   (19,346)  3,204 
 Cash and cash equivalents at beginning of period   53,481   31,388 
 Cash and cash equivalents at end of period  $34,135  $34,592 
 Supplemental disclosures