secwatch.observer — SEC 8-K summary
======================================

Issuer:     CONSUMERS BANCORP INC /OH/ (CBKM)
CIK:        0001006830
Form:       8-K
Filed at:   2023-08-10T23:59:59+00:00
Accession:  0001437749-23-022976
Event type: earnings
Sentiment:  neutral
Materiality: 0.55
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Consumers Bancorp Q4 net income $2.7M, EPS $0.87; FY net income $10.7M, EPS $3.45
--------------------------------------------------------------------------------

- Q4 net income $2.7M (-3.1% YoY); EPS $0.87 vs $0.91.
- FY net income $10.7M vs $11.2M; EPS $3.45 vs $3.68.
- Total loans +$98.5M (+16.1%) to $711M; deposits +$66.0M (+7.4%) over FY.
- Non-performing loans 0.01% of total loans; ALLL at 1.09%.
- Net interest margin 3.37% for FY vs 3.60% prior, due to rising cost of funds.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1006830/000143774923022976/0001437749-23-022976-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1006830/000143774923022976/cbkm20230809_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-23-022976

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer