Sound Financial Q4 EPS $0.70 vs $1.34 YoY; NPAs rise 67% sequentially

Sound Financial Bancorp, Inc.

2021-FY EPS reported $3.46

Net income $1.9M ($0.70 diluted) vs $2.6M ($0.98) in Q3 2021 and $3.5M ($1.34) in Q4 2020.
Net interest margin 3.53%, down from 3.74% in Q3; PPP-deferred fee benefit fell to 5 bps from 41 bps.
Nonperforming assets increased to $6.2M (0.68% of assets) from $3.7M (0.40%) at Q3 end.
Loans held-for-portfolio grew $18.8M to $686.4M; no provision for loan losses recorded.
Efficiency ratio weakened to 75.31% from 64.81% in Q3 and 56.32% a year ago.

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