CBB Bancorp reports steady Q4 net income at $4.5 mln
Overview
Commercial bank's Q4 net income stable at $4.5 mln, EPS slightly down from prior qtr
Company's total assets exceeded $2 bln for the first time
Deposits increased by $41.1 mln, or 2.5%, quarter-over-quarter
Outlook
Company did not provide specific financial guidance for future quarters or full year
Result Drivers
NET INTEREST MARGIN - Decline attributed to higher funding costs and lower yields on interest-earning assets
SBA LOAN SALES - $19.7 mln in SBA loans sold at an average premium of 6.8%
NONINTEREST EXPENSES - Increase driven by higher personnel costs and occupancy expenses
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 EPS |
| $0.42 |
|
Q4 Net Income |
| $4.5 mln |
|
Q4 Net Interest Income |
| $15.66 mln |
|
Q4 Basic EPS |
| $0.42 |
|
Q4 Net Interest Margin |
| 3.16% |
|
Q4 Pretax Profit |
| $6.14 mln |
|
Press Release: ID:nBw37rsbWa
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