Consumers Bancorp Q4 net income down 22% YoY; FY EPS falls to $2.76 from $3.45

CONSUMERS BANCORP INC /OH/

2024-FY EPS reported $2.76 revenue$4,383,000

Q4 net income $2.1M ($0.67 EPS) vs $2.7M ($0.87 EPS) a year ago, down 21.9%.
FY net income $8.6M ($2.76 EPS) vs $10.7M ($3.45 EPS) prior year.
Net interest margin compressed to 3.00% FY2024 from 3.37% due to rapid rate hikes.
Total loans grew 6.9% YoY to $762M; deposits up 2.1% to $986M.
Non-performing loans (ex-govt guarantee) just 0.07% of total loans, down from last year.

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