CSB Bancorp reports Q3 net income of $3.65M, up 26% YoY; EPS $1.35 vs $1.06

CSB Bancorp, Inc.

2022-Q3 EPS reported $3.52

Net interest margin expanded to 3.12% from 2.77% a year ago; net interest income up 17% YoY.
Nonperforming assets declined to $685k (0.11% of loans) from $1.3M; net charge-offs minimal.
Average deposits grew 5% YoY; cost of deposits rose to 0.22% from 0.18%.
Quarterly dividend of $0.33 declared, payable Sep 20, 2022; annualized yield 3.4%.
Negative provision for loan losses of $250k; efficiency ratio improved to 57.9% from 62.5%.

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