Muncy Columbia Financial Corporation (CCFN)

Muncy Columbia Financial Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	78.66	77.59	73.03	31.85	21.28	21.36
Interest Income on Investments	11.42	10.43	8.71	6.49	5.11	2.91
Total Interest Income	90.08	88.02	81.74	38.35	26.39	24.27
Interest Paid on Deposits	24.21	24.12	22.4	4.96	1.77	1.92
Interest Paid on Borrowings	2.7	3.3	8.88	10.12	2.29	0.32
Total Interest Expense	26.9	27.42	31.28	15.09	4.06	2.25
Net Interest Income	63.17	60.6	50.47	23.26	22.33	22.03
Net Interest Income Growth (YoY)	20.57%	20.08%	116.94%	4.19%	1.37%	0.43%
Trust Income	1.15	1.11	0.94	0.89	0.85	0.9
Gain (Loss) on Sale of Assets	-	-	-	-	-	0.15
Gain (Loss) on Sale of Investments	-0.25	-0.37	-0.03	-0.12	-1.27	0.16
Other Non-Interest Income	9.73	9.12	9.04	6.08	6.02	4.95
Total Non-Interest Income	10.41	10.36	10.38	7.12	6.07	8
Non-Interest Income Growth (YoY)	1.17%	-0.12%	45.70%	17.29%	-24.09%	2.87%
Revenues Before Loan Losses	73.58	70.96	60.84	30.38	28.4	30.02
Provision for Loan Losses	0.8	0.84	0.84	2.52	-1.81	0.12
Revenue	72.78	70.12	60	27.86	30.21	29.9
Revenue Growth (YoY)	17.72%	16.87%	115.36%	-7.77%	1.02%	4.37%
Salaries and Employee Benefits	20.73	21.72	19.17	11.62	10.41	9.55
Occupancy Expenses	2.56	2.56	2.4	1.35	1.25	1.2
Federal Deposit Insurance	0.85	0.87	0.82	0.48	0.26	0.24
Amortization of Goodwill & Intangibles	1.97	2.02	2.2	0.18	-	-
Selling, General & Administrative	8.26	8.04	7.46	4.4	4.04	3.72
Other Non-Interest Expense	5.76	5.8	5.37	3.06	3.11	3.43
Total Non-Interest Expense	40.13	41.02	37.42	21.08	19.07	18.15
EBT Excluding Unusual Items	32.66	29.1	22.58	6.78	11.14	11.75
Pretax Income	32.66	29.1	22.34	3.75	11.14	11.75
Income Tax Expense	5.62	4.88	3.32	0.37	1.63	2.35
Net Income	27.04	24.23	19.02	3.39	9.51	9.41
Net Income to Common	27.04	24.23	19.02	3.39	9.51	9.41
Net Income Growth	39.85%	27.35%	461.65%	-64.40%	1.16%	0.78%
Basic Shares Outstanding	4	4	4	2	2	2
Diluted Shares Outstanding	4	4	4	2	2	2
Shares Change (YoY)	-0.66%	-0.95%	56.51%	9.70%	0.06%	-0.58%
EPS (Basic)	7.65	6.85	5.33	1.49	4.58	4.53
EPS (Diluted)	7.65	6.85	5.33	1.49	4.58	4.53
EPS Growth	40.77%	28.56%	258.86%	-67.55%	1.10%	1.38%
Dividend Per Share	1.810	1.800	1.760	1.710	1.670	1.630
Dividend Growth	2.26%	2.27%	2.92%	2.40%	2.45%	2.52%
Effective Tax Rate	17.21%	16.76%	14.85%	9.73%	14.60%	19.98%

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