Bogota Financial Q4 net income doubles to $2.0M; FY21 net income $7.5M vs $2.1M

Bogota Financial Corp.

2021-FY EPS reported $0.54

Q4 2021 net income $2.0M, up 94% YoY from $1.0M; FY21 net income $7.5M vs $2.1M.
Net interest margin rose 57 bps to 2.50% for FY21; credit provision of $88K vs $200K provision in prior year.
Total assets $837.4M (+13%); deposits $597.5M (+19%) driven by Gibraltar Bank acquisition.
Non-performing assets low at $1.9M (0.23% of total assets); only one loan still on COVID deferral.
Non-GAAP core earnings $5.9M in FY21 vs $4.3M in FY20, reflecting steady growth.

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