Q2 net income $1.8M vs $2.3M YoY; net interest margin steady at 4.06%

Affinity Bancshares, Inc.

2022-Q2 EPS reported $0.53

Net income $1.8M in Q2 2022 vs $2.3M in Q2 2021; six-month net income $3.6M vs $4.5M.
Net interest margin unchanged at 4.06% Q2; cost of interest-bearing liabilities down to 0.47% from 0.70%.
Net loans increased $38.5M to $614.4M; loan-to-deposit ratio 98.1% vs 93.7% at Dec 2021.
Repurchased 308,602 shares for $4.8M at avg $15.48/share.
Non-performing loans flat at $7.0M; allowance for loan losses 1.44% of total loans.

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