Muncy Columbia Financial Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	79.47	77.59	73.03	31.85	21.28	21.36
Interest Income on Investments	12.34	10.43	8.71	6.49	5.11	2.91
Total Interest Income	91.82	88.02	81.74	38.35	26.39	24.27
Interest Paid on Deposits	24.22	24.12	22.4	4.96	1.77	1.92
Interest Paid on Borrowings	2.46	3.3	8.88	10.12	2.29	0.32
Total Interest Expense	26.68	27.42	31.28	15.09	4.06	2.25
Net Interest Income	65.14	60.6	50.47	23.26	22.33	22.03
Net Interest Income Growth	18.76%	20.08%	116.94%	4.19%	1.37%	0.43%
Trust Income	1.17	1.11	0.94	0.89	0.85	0.9
Gain (Loss) on Sale of Assets	-	-	-	-	-	0.15
Gain (Loss) on Sale of Investments	-1.16	-0.37	-0.03	-0.12	-1.27	0.16
Other Non-Interest Income	10.85	9.12	9.04	6.08	6.02	4.95
Total Non-Interest Income	10.73	10.36	10.38	7.12	6.07	8
Non-Interest Income Growth	6.18%	-0.12%	45.70%	17.29%	-24.09%	2.87%
Revenues Before Loan Losses	75.87	70.96	60.84	30.38	28.4	30.02
Provision for Loan Losses	0.94	0.84	0.84	2.52	-1.81	0.12
Revenue	74.93	70.12	60	27.86	30.21	29.9
Revenue Growth	17.31%	16.87%	115.36%	-7.77%	1.02%	4.37%
Salaries and Employee Benefits	21.33	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	0.83	0.87	0.82	0.48	0.26	0.24
Amortization of Goodwill & Intangibles	1.91	2.02	2.2	0.18	-	-
Selling, General & Administrative	8.11	8.04	7.46	4.4	4.04	3.72
Other Non-Interest Expense	5.95	5.8	5.37	3.06	3.11	3.43
Total Non-Interest Expense	40.69	41.02	37.42	21.08	19.07	18.15
EBT Excluding Unusual Items	34.24	29.1	22.58	6.78	11.14	11.75
Pretax Income	34.24	29.1	22.34	3.75	11.14	11.75
Income Tax Expense	5.82	4.88	3.32	0.37	1.63	2.35
Net Income	28.42	24.23	19.02	3.39	9.51	9.41
Net Income to Common	28.42	24.23	19.02	3.39	9.51	9.41
Net Income Growth	39.38%	27.35%	461.65%	-64.40%	1.16%	0.78%
Basic Shares Outstanding	11	11	11	7	6	6
Diluted Shares Outstanding	11	11	11	7	6	6
Shares Change	-0.36%	-0.95%	56.51%	9.70%	0.06%	-0.58%
EPS (Basic)	2.68	2.28	1.78	0.50	1.53	1.51
EPS (Diluted)	2.68	2.28	1.78	0.50	1.53	1.51
EPS Growth	39.88%	28.56%	258.86%	-67.55%	1.10%	1.38%
Dividend Per Share	0.609	0.600	0.587	0.570	0.557	0.543
Dividend Growth	2.63%	2.27%	2.93%	2.39%	2.47%	2.51%
Effective Tax Rate	16.98%	16.76%	14.85%	9.73%	14.60%	19.98%