Muncy Columbia Financial Corporation (CCFN)

Muncy Columbia Financial Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	77.59	73.03	31.85	21.28	21.36
Interest Income on Investments	10.43	8.71	6.49	5.11	2.91
Total Interest Income	88.02	81.74	38.35	26.39	24.27
Interest Paid on Deposits	24.12	22.4	4.96	1.77	1.92
Interest Paid on Borrowings	3.3	8.88	10.12	2.29	0.32
Total Interest Expense	27.42	31.28	15.09	4.06	2.25
Net Interest Income	60.6	50.47	23.26	22.33	22.03
Net Interest Income Growth (YoY)	20.08%	116.94%	4.19%	1.37%	0.43%
Trust Income	1.11	0.94	0.89	0.85	0.9
Gain (Loss) on Sale of Assets	-	-	-	-	0.15
Gain (Loss) on Sale of Investments	-0.37	-0.03	-0.12	-1.27	0.16
Other Non-Interest Income	9.12	9.04	6.08	6.02	4.95
Total Non-Interest Income	10.36	10.38	7.12	6.07	8
Non-Interest Income Growth (YoY)	-0.12%	45.70%	17.29%	-24.09%	2.87%
Revenues Before Loan Losses	70.96	60.84	30.38	28.4	30.02
Provision for Loan Losses	0.84	0.84	2.52	-1.81	0.12
Revenue	70.12	60	27.86	30.21	29.9
Revenue Growth (YoY)	16.87%	115.36%	-7.77%	1.02%	4.37%
Salaries and Employee Benefits	21.72	19.03	11.62	10.41	9.55
Occupancy Expenses	2.62	2.4	1.35	1.25	1.2
Federal Deposit Insurance	0.87	0.82	0.48	0.26	0.24
Amortization of Goodwill & Intangibles	2.02	2.2	0.18	-	-
Selling, General & Administrative	7.98	7.46	4.4	4.04	3.72
Other Non-Interest Expense	5.8	5.51	3.06	3.11	3.43
Total Non-Interest Expense	41.02	37.42	21.08	19.07	18.15
EBT Excluding Unusual Items	29.1	22.58	6.78	11.14	11.75
Pretax Income	29.1	22.34	3.75	11.14	11.75
Income Tax Expense	4.88	3.32	0.37	1.63	2.35
Net Income	24.23	19.02	3.39	9.51	9.41
Net Income to Common	24.23	19.02	3.39	9.51	9.41
Net Income Growth	27.35%	461.65%	-64.40%	1.16%	0.78%
Basic Shares Outstanding	4	4	2	2	2
Diluted Shares Outstanding	4	4	2	2	2
Shares Change (YoY)	-0.89%	56.51%	9.70%	0.06%	-0.58%
EPS (Basic)	6.85	5.33	1.49	4.58	4.53
EPS (Diluted)	6.85	5.33	1.49	4.58	4.53
EPS Growth	28.48%	258.86%	-67.55%	1.10%	1.38%
Dividend Per Share	-	1.760	1.710	1.670	1.630
Dividend Growth	-	2.92%	2.40%	2.45%	2.52%
Effective Tax Rate	16.76%	14.85%	9.73%	14.60%	19.98%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.