{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-24-024464","form_type":"8-K","ticker":"CBKM","cik":"0001006830","company_name":"CONSUMERS BANCORP INC /OH/","filed_at":"2024-08-02T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.855714+00:00","generated_at":"2026-05-31T13:20:47.629746+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Consumers Bancorp Q4 net income down 22% YoY; FY EPS falls to $2.76 from $3.45","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-24-024464","json":"https://secwatch.observer/filing/0001437749-24-024464.json","markdown":"https://secwatch.observer/filing/0001437749-24-024464.md","text":"https://secwatch.observer/filing/0001437749-24-024464.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1006830/000143774924024464/0001437749-24-024464-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1006830/000143774924024464/cbkm20240802_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T13:20:47.629746+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"}