{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-22-018558","form_type":"8-K","ticker":"CBKM","cik":"0001006830","company_name":"CONSUMERS BANCORP INC /OH/","filed_at":"2022-08-03T23:59:59+00:00","discovered_at":"2026-05-14T18:03:54.562735+00:00","generated_at":"2026-06-24T04:46:00.945702+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Consumers Bancorp Q4 net income up 41.5% to $2.8M; record FY net income $11.2M","bullets":["Q4 net income $2.8M ($0.91 EPS) vs $2.0M ($0.65 EPS) a year ago, +41.5%.","FY2022 record net income $11.2M ($3.68 EPS), up 24.5% from $9.0M ($2.98 EPS) in FY2021.","Total loans grew 8.0% YoY; core loans (ex-PPP and acquired) up 15.7% (+$81.2M).","Deposits increased 22.0% (+$159.7M) including $104.5M from CFBank branch acquisition completed July 2021.","Non-performing loans low at 0.07% of total loans; ALLL at 1.17% with net charge-offs of $46K for FY."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-22-018558","json":"https://secwatch.observer/filing/0001437749-22-018558.json","markdown":"https://secwatch.observer/filing/0001437749-22-018558.md","text":"https://secwatch.observer/filing/0001437749-22-018558.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1006830/000143774922018558/0001437749-22-018558-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1006830/000143774922018558/cbkm20220802_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T04:46:00.945702+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}