Columbia Financial, Inc. (CLBK)

Columbia Financial Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	382.27	343.77	263.56	228.84	255.24
Interest Income on Investments	69.16	51.21	46.11	41.31	40.48
Total Interest Income	451.43	394.98	309.67	270.15	295.71
Interest Paid on Deposits	202.38	125.16	27.88	29.11	55.25
Interest Paid on Borrowings	71.06	63.94	15.02	7.91	18.89
Total Interest Expense	273.44	189.1	42.89	37.02	74.14
Net Interest Income	177.98	205.88	266.78	233.13	221.57
Net Interest Income Growth (YoY)	-13.55%	-22.83%	14.43%	5.22%	28.54%
Gain (Loss) on Sale of Investments	-33.26	-10.15	-0.19	0.23	1.14
Other Non-Interest Income	27.74	31.17	25.12	24.01	21.06
Total Non-Interest Income	1.89	27.38	30.4	38.83	31.27
Non-Interest Income Growth (YoY)	-93.08%	-9.94%	-21.71%	24.18%	-1.16%
Revenues Before Loan Losses	179.88	233.26	297.18	271.97	252.84
Provision for Loan Losses	14.45	4.79	5.49	-9.95	18.45
Revenue	165.43	228.47	291.69	281.92	234.4
Revenue Growth (YoY)	-27.59%	-21.68%	3.47%	20.27%	17.32%
Salaries and Employee Benefits	99.18	108.77	104.64	86.6	88.74
Federal Deposit Insurance	7.58	8.64	2.59	2.37	1.9
Selling, General & Administrative	66.04	62.67	59.26	54.22	49.86
Other Non-Interest Expense	3.42	1.43	5.52	8.87	14.56
Total Non-Interest Expense	176.22	181.51	172.01	152.06	155.05
EBT Excluding Unusual Items	-10.8	46.96	119.69	129.85	79.35
Other Unusual Items	-3.45	-0.3	-	-2.85	-1.16
Pretax Income	-15.91	46.05	116.88	126.18	76.26
Income Tax Expense	-4.26	9.97	30.7	34.13	18.65
Net Income	-11.65	36.09	86.17	92.05	57.6
Net Income to Common	-11.65	36.09	86.17	92.05	57.6
Net Income Growth	-	-58.12%	-6.38%	59.80%	5.27%
Basic Shares Outstanding	102	103	106	104	110
Diluted Shares Outstanding	102	103	106	104	110
Shares Change (YoY)	-1.03%	-3.11%	1.96%	-5.10%	-1.21%
EPS (Basic)	-0.11	0.35	0.82	0.88	0.52
EPS (Diluted)	-0.11	0.35	0.81	0.88	0.52
EPS Growth	-	-56.79%	-7.95%	69.23%	6.12%
Effective Tax Rate	-	21.64%	26.27%	27.05%	24.46%

Updated Mar 3, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q