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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	74.1	73.03	31.85	21.28	21.36	21.56
Interest Income on Investments	8.59	8.71	6.49	5.11	2.91	3.4
Total Interest Income	82.7	81.74	38.35	26.39	24.27	24.96
Interest Paid on Deposits	23.59	22.4	4.96	1.77	1.92	2.51
Interest Paid on Borrowings	6.7	8.88	10.12	2.29	0.32	0.51
Total Interest Expense	30.3	31.28	15.09	4.06	2.25	3.02
Net Interest Income	52.4	50.47	23.26	22.33	22.03	21.93
Net Interest Income Growth (YoY)	74.68%	116.94%	4.19%	1.37%	0.43%	0.88%
Trust Income	0.98	0.94	0.89	0.85	0.9	0.83
Gain (Loss) on Sale of Assets	-	-	-	-	0.15	-
Gain (Loss) on Sale of Investments	0.07	-0.03	-0.12	-1.27	0.16	-0.34
Other Non-Interest Income	8.83	9.04	6.08	6.02	4.95	4.7
Total Non-Interest Income	10.29	10.38	7.12	6.07	8	7.78
Non-Interest Income Growth (YoY)	28.17%	45.70%	17.29%	-24.09%	2.87%	9.26%
Revenues Before Loan Losses	62.69	60.84	30.38	28.4	30.02	29.71
Provision for Loan Losses	0.86	0.84	2.52	-1.81	0.12	1.06
Revenue	61.83	60	27.86	30.21	29.9	28.65
Revenue Growth (YoY)	76.64%	115.36%	-7.77%	1.02%	4.37%	2.69%
Salaries and Employee Benefits	20.55	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	0.82	0.82	0.48	0.26	0.24	0.13
Amortization of Goodwill & Intangibles	2.16	2.2	0.18	-	-	-
Selling, General & Administrative	7.51	7.46	4.4	4.04	3.72	3
Other Non-Interest Expense	5.53	5.51	3.06	3.11	3.43	3.15
Total Non-Interest Expense	38.96	37.42	21.08	19.07	18.15	17.36
EBT Excluding Unusual Items	22.87	22.58	6.78	11.14	11.75	11.29
Pretax Income	22.72	22.34	3.75	11.14	11.75	11.29
Income Tax Expense	3.39	3.32	0.37	1.63	2.35	1.96
Net Income	19.33	19.02	3.39	9.51	9.41	9.33
Net Income to Common	19.33	19.02	3.39	9.51	9.41	9.33
Net Income Growth	252.58%	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)	34.16%	56.51%	9.70%	0.06%	-0.58%	-1.19%
EPS (Basic)	5.43	5.33	1.49	4.58	4.53	4.47
EPS (Diluted)	5.43	5.33	1.49	4.58	4.53	4.47
EPS Growth	162.81%	258.86%	-67.55%	1.10%	1.38%	5.78%
Dividend Per Share	1.770	1.760	1.710	1.670	1.630	1.590
Dividend Growth	2.31%	2.92%	2.40%	2.45%	2.52%	2.58%
Effective Tax Rate	14.92%	14.85%	9.73%	14.60%	19.98%	17.34%

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