Muncy Columbia Financial Corporation (CCFN)

Muncy Columbia Financial Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	75.26	73.03	31.85	21.28	21.36	21.56
Interest Income on Investments	8.91	8.71	6.49	5.11	2.91	3.4
Total Interest Income	84.16	81.74	38.35	26.39	24.27	24.96
Interest Paid on Deposits	24.02	22.4	4.96	1.77	1.92	2.51
Interest Paid on Borrowings	5.3	8.88	10.12	2.29	0.32	0.51
Total Interest Expense	29.32	31.28	15.09	4.06	2.25	3.02
Net Interest Income	54.85	50.47	23.26	22.33	22.03	21.93
Net Interest Income Growth (YoY)	46.48%	116.94%	4.19%	1.37%	0.43%	0.88%
Trust Income	1.05	0.94	0.89	0.85	0.9	0.83
Gain (Loss) on Sale of Assets	-	-	-	-	0.15	-
Gain (Loss) on Sale of Investments	-0.31	-0.03	-0.12	-1.27	0.16	-0.34
Other Non-Interest Income	8.97	9.04	6.08	6.02	4.95	4.7
Total Non-Interest Income	10.11	10.38	7.12	6.07	8	7.78
Non-Interest Income Growth (YoY)	15.63%	45.70%	17.29%	-24.09%	2.87%	9.26%
Revenues Before Loan Losses	64.95	60.84	30.38	28.4	30.02	29.71
Provision for Loan Losses	1.08	0.84	2.52	-1.81	0.12	1.06
Revenue	63.87	60	27.86	30.21	29.9	28.65
Revenue Growth (YoY)	48.13%	115.36%	-7.77%	1.02%	4.37%	2.69%
Salaries and Employee Benefits	20.89	19.03	11.62	10.41	9.55	9.89
Occupancy Expenses	2.4	2.4	1.35	1.25	1.2	1.19
Federal Deposit Insurance	0.85	0.82	0.48	0.26	0.24	0.13
Amortization of Goodwill & Intangibles	2.13	2.2	0.18	-	-	-
Selling, General & Administrative	7.98	7.46	4.4	4.04	3.72	3
Other Non-Interest Expense	5.59	5.51	3.06	3.11	3.43	3.15
Total Non-Interest Expense	39.83	37.42	21.08	19.07	18.15	17.36
EBT Excluding Unusual Items	24.05	22.58	6.78	11.14	11.75	11.29
Pretax Income	24.1	22.34	3.75	11.14	11.75	11.29
Income Tax Expense	3.71	3.32	0.37	1.63	2.35	1.96
Net Income	20.39	19.02	3.39	9.51	9.41	9.33
Net Income to Common	20.39	19.02	3.39	9.51	9.41	9.33
Net Income Growth	133.65%	461.65%	-64.40%	1.16%	0.78%	4.52%
Basic Shares Outstanding	4	4	2	2	2	2
Diluted Shares Outstanding	4	4	2	2	2	2
Shares Change (YoY)	17.30%	56.51%	9.70%	0.06%	-0.58%	-1.19%
EPS (Basic)	5.75	5.33	1.49	4.58	4.53	4.47
EPS (Diluted)	5.75	5.33	1.49	4.58	4.53	4.47
EPS Growth	99.20%	258.86%	-67.55%	1.10%	1.38%	5.78%
Dividend Per Share	1.780	1.760	1.710	1.670	1.630	1.590
Dividend Growth	2.30%	2.92%	2.40%	2.45%	2.52%	2.58%
Effective Tax Rate	15.38%	14.85%	9.73%	14.60%	19.98%	17.34%

Updated Mar 7, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.