CSB Bancorp Q4 net income falls to $2.3M, EPS $0.85 from $0.97 YoY

CSB Bancorp, Inc.

2022-FY EPS reported $3.97

Net income $2,306,000 ($0.85 diluted EPS) vs $2,679,000 ($0.97) in Q4 2020.
Net interest margin narrowed to 2.48% from 2.85%; no loan loss provision vs $378K provision.
Noninterest income fell 12% on 64% drop in mortgage gain on sale; efficiency ratio rose to 66.4%.
Nonperforming assets decreased to $1.1M (0.20% of loans) from $4.5M a year ago.
Quarterly dividend maintained at $0.31 per share; annualized yield 3.3% based on $37.75 close.

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