Financialsexperimental
MUNCY COLUMBIA FINANCIAL Corp (CCFN). Every figure is as filed in the company's 10-Q and 10-K reports. Quarters a filing does not report on their own are worked out from its year-to-date figures and marked *.
USD in thousands
| Cash Flow | FY FY25 31 Dec 2025 | FY FY24 31 Dec 2024 | FY FY23 31 Dec 2023 |
|---|---|---|---|
| Net Income | 24,225 | 19,023 | 3,387 |
| Provision for credit losses | 839 | 837 | 2,521 |
| Depreciation and amortization of premises and equipment | 1,498 | 1,515 | 790 |
| Accretion of loan fair value adjustments, net | -10,685 | -948 | |
| Accretion of loan fair value adjustments, net | -9,601 | ||
| Amortization of deposit fair value adjustments, net | 1,185 | 176 | |
| Amortization of deposit fair value adjustments, net | 276 | ||
| (Gains) losses on marketable equity securities | -56 | -60 | 119 |
| Realized losses on available-for-sale debt securities, net | 422 | 85 | |
| Accretion of investment securities, net | -1,390 | -719 | 347 |
| Loss on disposal of premises and equipment | 62 | ||
| (Gains) losses on disposal of premises and equipment, net | 137 | 129 | |
| Gain on sale of foreclosed assets held for sale, net | -10 | ||
| Deferred income taxes | 1,401 | 2,317 | -200 |
| Earnings on bank-owned life insurance | -925 | -928 | |
| Loss (gain) on sale of loans | -503 | -413 | -276 |
| Proceeds from sale of mortgage loans | 22,919 | 16,219 | 13,286 |
| Amortization of investment in limited partnerships | 283 | ||
| Originations of mortgage loans held for resale | -21,572 | -17,131 | -12,395 |
| Earnings on bank-owned life insurance | -503 | ||
| Amortization of intangibles | 2,023 | 2,202 | 183 |
| Amortization of investment in limited partnerships | 746 | 736 | |
| Gain on settlement of bank-owned life insurance claims | -66 | ||
| Gain on settlement of bank-owned life insurance claims | -119 | ||
| (Increase) decrease in accrued interest receivable and other assets | 1,033 | 512 | -869 |
| Increase in accrued interest payable and other liabilities | 1,672 | -501 | 787 |
| Other, net | 272 | 2,643 | 329 |
| Net cash provided by operating activities | 23,287 | 16,900 | 7,079 |
| Net cash and cash equivalents provided by business combination | 7,845 | ||
| Purchases | -84,604 | ||
| Purchases | -14,924 | -789 | |
| Proceeds from sales | 29,574 | 51,734 | 0 |
| Proceeds from paydowns, calls and maturities | 64,473 | 55,323 | 36,847 |
| Purchase of bank-owned life insurance | -47 | -44 | -45 |
| Proceeds from maturities of interest-bearing time deposits | 989 | ||
| Proceeds from settlement of bank-owned life insurance claims | 304 | ||
| Proceeds from redemption of restricted investment in bank stocks | 4,699 | 10,386 | 7,097 |
| Purchase of restricted investment in bank stocks | -3,016 | -7,087 | -6,098 |
| Net increase in loans | -43,101 | -47,381 | -32,420 |
| Net increase in deposits | 140,575 | -53,125 | |
| Purchase of investment in limited partnership | -2,366 | ||
| Proceeds from sale of foreclosed assets held for sale | 248 | ||
| Proceeds from sale of foreclosed assets held for sale | 80 | ||
| Acquisition of customer relationship intangibles | -18 | -354 | |
| Acquisition of premises and equipment | -1,395 | -407 | -968 |
| Net cash (used for) provided by investing activities | -33,051 | 48,483 | 9,103 |
| Net increase in deposits | 120,047 | ||
| NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS | -997 | 5,293 | |
| Proceeds from long-term borrowings | 25,000 | ||
| Net increase (decrease) in short-term borrowings | -55,933 | -184,144 | 20,720 |
| Repayment of long-term borrowings | -15,224 | -15,212 | -4 |
| Proceeds from issuance of common stock | 163 | 187 | 77 |
| Cash dividends paid | -8,129 | -6,269 | -3,557 |
| Net cash (used for) provided by financing activities | 40,924 | -66,380 | -10,889 |
| Purchase of treasury stock | -1,517 | ||
| NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS | 31,160 | ||
| CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD | 17,380 | 18,377 | 13,084 |
| CASH AND CASH EQUIVALENTS, END OF PERIOD | 48,540 | 17,380 | 18,377 |
| Interest paid | 27,632 | 31,779 | 12,914 |
| Income taxes paid | 1,875 | 975 | |
| Loans transferred to foreclosed assets held for sale | 320 | 277 | |
| Loans transferred to other real estate owned | 170 | ||
| Bank-owned life insurance death benefit receivable | 294 | ||
| Loans held for sale transferred to loans | 3,587 |