CF Bankshares Q4 net income $4.5M, EPS $0.68; full-year net income $18.5M, EPS $2.77

CF BANKSHARES INC.

2021-FY EPS reported $2.77

Net income of $4.5M ($0.68 diluted EPS) for Q4 2021 vs $7.3M ($1.11 EPS) in Q4 2020.
Full-year 2021 net income $18.5M ($2.77 EPS) vs $29.6M ($4.47 EPS) in 2020; decline from reduced mortgage banking income.
Net interest margin expanded to 3.36% in Q4 2021 from 2.48% in Q4 2020 and 3.21% in Q3 2021.
Net loans and leases grew $90.4M during Q4 2021 to $1.2B; nonperforming assets 0.07% of total assets.
Board declared cash dividend of $0.04 per share payable Feb 1, 2022; book value per share $19.28.

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