CZWI Q2 EPS $0.41, net interest margin 3.46%, loan growth 18% annualized

Citizens Community Bancorp Inc.

2022-Q2 EPS reported $0.86

Net income $4.4M ($0.41 diluted EPS) vs $4.7M ($0.45) in Q1 2022, $4.7M ($0.44) in Q2 2021.
Net interest margin expanded to 3.46% from 3.25% in Q1; net interest income up $1.1M to $14.3M.
Originated loans grew $68.4M (18% annualized) driven by commercial real estate, construction, and commercial operating loans.
Nonperforming assets decreased $1.0M to $12.6M; substandard loans down $4.1M to $20.7M.
Called $15M of 6.75% subordinated debt for Aug 10; St. James, MN branch with $18.7M deposits to close Sept.

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