secwatch.observer — SEC 8-K summary
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Issuer:     CONSUMERS BANCORP INC /OH/ (CBKM)
CIK:        0001006830
Form:       8-K
Filed at:   2024-08-02T23:59:59+00:00
Accession:  0001437749-24-024464
Event type: earnings
Sentiment:  negative
Materiality: 0.60
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1006830/000143774924024464/0001437749-24-024464-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1006830/000143774924024464/cbkm20240802_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-24-024464

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