Company: NSTS
Filing Date: 2025-08-14
Form Type: 10-Q
Source: 0001437749-25-026943
Chunk: 52

Company: NSTS Bancorp, Inc.
Filing Date: 2025-08-14
Form: 10-Q
Item: Item 1
Chunk 52
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 Net interest income   1,808   1,788   3,639   3,493 
 Provision for credit losses   57   123   20   122 
 Net interest income after provision for credit losses   1,751   1,665   3,619   3,371 
 Noninterest income:                 
 Gain on sale of mortgage loans   507   271   696   427 
 Rental income on office building   16   16   32   32 
 Service charges on deposits   64   64   123   125 
 Increase in cash surrender value of BOLI   57   53   113   106 
 Other non-interest income   91   97   105   123 
 Total noninterest income   735   501   1,069   813 
 Noninterest expense:                 
 Salaries and employee benefits   1,642   1,468   3,175   2,842 
 Equipment and occupancy   210   198   434   412 
 Data processing   233   217   455   412 
 Professional services   180   172   316   283 
 Advertising   39   91   81   175 
 Supervisory fees and assessments   42   35   80   71 
 Loan expenses   79   65   171   95 
 Deposit expenses   107   58   175   112 
 Director fees   51   56   99   104 
 Other non-interest expense   161   132   288   250 
 Total noninterest expense   2,744   2,492   5,274   4,756 
 Loss before income taxes   (258)  (326)  (586)  (572)
 Income tax expense   —   —   —   — 
 Net loss  $(258) $(326) $(586) $(572)
 Basic and diluted loss per share  $(0.05) $(0.07) $(0.12) $(0.12)
 Weighted average shares outstanding   4,886,652   4,925,388   4,885,290   4,957,483