CZWI Q4 EPS $0.58 (+81% YoY), record annual earnings $21.3M; dividend raised 13% to $0.26

Citizens Community Bancorp Inc.

2021-FY EPS reported $1.98

Q4 2021 net income $6.1M ($0.58 diluted EPS) vs $3.6M ($0.32) YoY; FY21 net income $21.3M ($1.98) vs $12.7M ($1.14) – record annual earnings.
Total loans excl. PPP grew $83.4M (6.8%) in Q4; net interest margin improved to 3.50% from 3.34% in Q3 2021.
Board declared annual dividend of $0.26/share (13% increase), payable Feb 28, 2022 to holders of record Feb 14, 2022.
No loan loss provision recorded for Q4 2021; ALL to total loans 1.29% vs 1.35% at Sep 30, 2021.
Nonperforming assets $13.2M (0.76% of assets) vs $12.1M (0.69%) prior quarter; increase due to branch OREO transfer.

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