Columbia Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	394.75	382.27	343.77	263.56	228.84	255.24
Interest Income on Investments	67.95	69.16	51.21	46.11	41.31	40.48
Total Interest Income	462.7	451.43	394.98	309.67	270.15	295.71
Interest Paid on Deposits	201	202.38	125.16	27.88	29.11	55.25
Interest Paid on Borrowings	53.86	71.06	63.94	15.02	7.91	18.89
Total Interest Expense	254.86	273.44	189.1	42.89	37.02	74.14
Net Interest Income	207.84	177.98	205.88	266.78	233.13	221.57
Net Interest Income Growth (YoY)	17.50%	-13.55%	-22.83%	14.43%	5.22%	28.54%
Gain (Loss) on Sale of Investments	-30.8	-33.26	-10.15	-0.19	0.23	1.14
Other Non-Interest Income	26.58	27.74	31.17	25.12	24.01	21.06
Total Non-Interest Income	4.8	1.89	27.38	30.4	38.83	31.27
Non-Interest Income Growth (YoY)	-86.99%	-93.08%	-9.94%	-21.71%	24.18%	-1.16%
Revenues Before Loan Losses	212.64	179.88	233.26	297.18	271.97	252.84
Provision for Loan Losses	10.62	14.45	4.79	5.49	-9.95	18.45
Revenue	202.02	165.43	228.47	291.69	281.92	234.4
Revenue Growth (YoY)	0.49%	-27.59%	-21.68%	3.47%	20.27%	17.32%
Salaries and Employee Benefits	105.26	99.18	108.77	104.64	86.6	88.74
Federal Deposit Insurance	7.23	7.58	8.64	2.59	2.37	1.9
Selling, General & Administrative	61.6	66.04	62.67	59.26	54.22	49.86
Other Non-Interest Expense	1.97	3.42	1.43	5.52	8.87	14.56
Total Non-Interest Expense	176.06	176.22	181.51	172.01	152.06	155.05
EBT Excluding Unusual Items	25.96	-10.8	46.96	119.69	129.85	79.35
Other Unusual Items	-3.45	-3.45	-0.3	-	-2.85	-1.16
Pretax Income	21.58	-15.91	46.05	116.88	126.18	76.26
Income Tax Expense	6.73	-4.26	9.97	30.7	34.13	18.65
Net Income	14.85	-11.65	36.09	86.17	92.05	57.6
Net Income to Common	14.85	-11.65	36.09	86.17	92.05	57.6
Net Income Growth	-7.99%	-	-58.12%	-6.38%	59.80%	5.27%
Basic Shares Outstanding	102	102	103	106	104	110
Diluted Shares Outstanding	102	102	103	106	104	110
Shares Change (YoY)	0.12%	-1.03%	-3.11%	1.96%	-5.10%	-1.21%
EPS (Basic)	0.15	-0.11	0.35	0.82	0.88	0.52
EPS (Diluted)	0.15	-0.11	0.35	0.81	0.88	0.52
EPS Growth	-2.57%	-	-56.79%	-7.95%	69.23%	6.12%
Effective Tax Rate	31.19%	-	21.64%	26.27%	27.05%	24.46%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.