Financial insights of NSTS

MyFinsight

For the quarter ending 2026-03-31, NSTS made $59K in revenue. -$39K in net income. Net profit margin of -66.10%.

Income Statement	2026-03-31	2025-09-30	2025-06-30	2025-03-31
Service charges on deposits	59	66	-	59
Gain on sale of mortgage loans	475	393	-	189
Rental income on office building	16	16	-	16
Increase in cash surrender value of boli	60	60	-	56
Other non-interest income	45	29	-	14
Total noninterest income	655	564	-	334
Loans, including fees	1,818	1,971	-	1,800
Taxable	405	352	-	355
Tax-exempt	60	60	-	60
Federal funds sold and other	285	418	-	508
Time deposits with other financial institutions	11	15	-	18
Fhlb stock	6	9	-	9
Total interest income	2,585	2,825	-	2,750
Deposits	728	879	-	859
Other borrowings	0	0	-	60
Total interest expense	728	879	-	919
Net interest income	1,857	1,946	-	1,831
Reversal of provision for credit losses	-26	-50	-	-37
Net interest income after reversal of provision for credit losses	1,883	1,996	-	1,868
Salaries and employee benefits	1,611	1,565	-	1,533
Equipment and occupancy	238	209	-	224
Data processing	258	243	-	222
Professional services	89	98	-	136
Advertising	24	32	-	42
Supervisory fees and assessments	33	38	-	38
Loan expenses	67	68	-	92
Deposit expenses	58	62	-	68
Director fees	56	56	-	48
Other non-interest expense	143	124	-	127
Total noninterest expense	2,577	2,495	-	2,530
Loss before income taxes	-39	65	-	-328
Income tax expense	0	0	-	-
Net loss	-39	65	-258	-328
Unrealized net holding gain (loss) on securities arising during period	-	-	698	-
Tax effect	-	-	199	-
Other comprehensive income (loss), net of taxes	-	-	499	-
Comprehensive income (loss)	-	-	241	-

Basic EPS	-0.01	0.01	-0.05	-0.07
Diluted EPS	-	0.01	-	-
Basic Average Shares	4,917,167	4,884,404	4,886,652	4,883,913
Diluted Average Shares	-	4,909,533	-	-

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.