Sound Financial Bancorp, Inc. reported unaudited consolidated earnings results for the fourth quarter and full year ended December 31, 2012. For the quarter, the company's total interest income was $4,472,000 compared to $4,556,000 a year ago. Net interest income was $3,896,000 compared to $3,891,000 a year ago. Net interest income after provision for loan losses was $3,046,000 compared to $2,641,000 a year ago. Income before provision for income taxes was $1,319,000 compared to $605,000 a year ago. Net income was $888,000 or $0.34 per diluted share compared to $420,000 or $0.16 per diluted share a year ago. Return on average assets was 0.95% compared to 0.49% a year ago. Return on average equity was 8.26% compared to 5.84% a year ago.

For the year, the company's total interest income was $18,175,000 compared to $18,519,000 a year ago. Net interest income was $15,815,000 compared to $15,738,000 a year ago. Net interest income after provision for loan losses was $11,290,000 compared to $11,138,000 a year ago. Income before provision for income taxes was $3,871,000 compared to $2,199,000 a year ago. Net income was $2,640,000 or $1.01 per diluted share compared to $1,551,000 or $0.59 per diluted share a year ago. Return on average assets was 0.74% compared to 0.46% a year ago. Return on average equity was 7.64% compared to 5.50% a year ago.