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NSTS Bancorp, Inc. (NSTS)
NSTS Bancorp, Inc. (NSTS)
Income Statement
|
Cash Flow
|
Balance Sheet
|
Ratios
Cash Flow Overview
Free Cash flow
$2,894K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Proceeds from sales of loans hel...
Repayment of fhlb advance
Principal repayments on mortgage...
Others
Negative Cash Flow Breakdown
Loans originated for sale
Net change in portfolio loans
Earnings on bank owned life insu...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-09-30
2025-06-30
Net loss
-204
482
65
-586
Earnings on bank owned life insurance
-
-113
60
113
Depreciation
74
-151
75
152
Securities amortization and accretion, net
101
-251
117
242
Loans originated for sale
13,358
-37,462
17,072
38,366
Proceeds from sales of loans held for sale
16,913
-34,720
19,794
38,595
Gain on sale of mortgage loans
366
-614
393
696
(reversal of) provision for credit losses
1
4
-50
20
Earnings on bank owned life insurance
1,041
-
-
-
Esop expense
72
-125
64
127
Stock based compensation
415
-331
172
332
Change in deferred income taxes
-9
-1,028
321
628
Net change in accrued interest receivable and other assets
-237
-707
376
434
Net change in accrued expenses and other liabilities
20
1,916
205
-1,922
Net cash provided by (used in) operating activities
2,915
4,692
2,862
-2,021
Net change in portfolio loans
1,680
-3,788
63
5,222
Principal repayments on mortgage-backed securities
-1,880
2,816
-1,886
-2,545
Purchases of securities available for sale
-
-
10,850
-
Maturities and calls of securities available for sale
80
-1,080
0
1,080
Purchase of federal home loan bank stock
-20
-
0
20
Net change in time deposits with other financial institutions
249
0
249
0
Proceeds from bank owned life insurance death benefit
1,395
-
-
-
Purchases of premises and equipment, net
21
-80
3
93
Purchase of treasury shares (none and 51,845 shares for the nine months ended september 30, 2025 and 2024, respectively)
-
-
0
0
Net cash provided by (used in) investing activities
1,903
10,842
-8,781
-1,710
Net change in deposits
205
6,490
-6,893
2,804
Net change in escrow deposits
-775
1,562
-541
42
Repayment of fhlb advance
-5,000
-
0
5,000
Purchase of treasury stock from taxes withheld on stock awards
8
-
0
108
Proceeds from exercise of stock options
-
-
0
-
Net cash provided by (used in) financing activities
-686
13,160
-7,434
-2,262
Net change in cash and cash equivalents
4,132
28,694
-13,353
-5,993
Cash and cash equivalents at beginning of period
34,135
34,135
53,481
-
Cash and cash equivalents at end of period
47,522
43,390
34,135
-
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
Show the time plot by selecting a row from the table.
Cash Flow
Proceeds from sales of
loans held for sale
$16,913K
(-56.18%↓ Y/Y)
Principal repayments on
mortgage-backed securities
-$1,880K
(26.13%↑ Y/Y)
Proceeds from bank owned
life insurance death...
$1,395K
Stock based
compensation
$415K
(25.00%↑ Y/Y)
Net change in
accrued interest...
-$237K
(-154.61%↓ Y/Y)
Securities amortization
and accretion, net
$101K
(-58.26%↓ Y/Y)
Depreciation
$74K
(-51.32%↓ Y/Y)
Esop expense
$72K
(-43.31%↓ Y/Y)
Net change in
accrued expenses and...
$20K
(101.04%↑ Y/Y)
(reversal of) provision
for credit losses
$1K
(-95.00%↓ Y/Y)
Net change in time
deposits with other...
$249K
Maturities and calls of
securities available for...
$80K
(-92.59%↓ Y/Y)
Net cash provided by
(used in) operating...
$2,915K
(244.24%↑ Y/Y)
Net cash provided by
(used in) investing...
$1,903K
(211.29%↑ Y/Y)
Canceled cashflow
$14,978K
Canceled cashflow
$1,701K
Net change in cash
and cash...
$4,132K
(168.95%↑ Y/Y)
Canceled cashflow
$686K
Loans originated for
sale
$13,358K
(-65.18%↓ Y/Y)
Earnings on bank owned
life insurance
$1,041K
(821.24%↑ Y/Y)
Gain on sale of
mortgage loans
$366K
(-47.41%↓ Y/Y)
Net loss
-$204K
(65.19%↑ Y/Y)
Change in deferred
income taxes
-$9K
(-101.43%↓ Y/Y)
Net change in
portfolio loans
$1,680K
(-67.83%↓ Y/Y)
Purchases of premises and
equipment, net
$21K
(-77.42%↓ Y/Y)
Repayment of fhlb advance
-$5,000K
(-200.00%↓ Y/Y)
Net change in
deposits
$205K
(-92.69%↓ Y/Y)
Net cash provided by
(used in) financing...
-$686K
(69.67%↑ Y/Y)
Canceled cashflow
$5,205K
something is missing
-$5,108K
Net change in escrow
deposits
-$775K
(-1945.24%↓ Y/Y)
Purchase of treasury
stock from taxes...
$8K
(-92.59%↓ Y/Y)
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