For the quarter ending 2026-03-31, CCFN had -$16,049K decrease in cash & cash equivalents over the period. $323K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Net income | -9,676 | 6,719 | 10,113 |
| Provision for credit losses | -774 | 479 | 364 |
| Depreciation and amortization of premises and equipment | -742 | 381 | 739 |
| Accretion of loan fair value adjustments, net | 5,028 | -2,349 | -4,936 |
| Amortization of deposit fair value adjustments, net | -182 | 56 | 169 |
| (gains) losses on marketable equity securities | 51 | 48 | -20 |
| Realized losses on available-for-sale debt securities, net | - | 0 | -426 |
| Accretion of investment securities, net | -373 | 393 | 500 |
| (gains) losses on disposal of premises and equipment, net | 128 | -64 | -59 |
| Gain on sale of foreclosed assets held for sale, net | 84 | 0 | 10 |
| Deferred income taxes | -618 | 369 | 581 |
| Earnings on bank-owned life insurance | -467 | 235 | 464 |
| Loss (gain) on sale of loans | -977 | 186 | 154 |
| Proceeds from sale of mortgage loans | -3,872 | 9,848 | 6,322 |
| Originations of mortgage loans held for resale | -12,461 | 8,463 | 7,196 |
| Amortization of intangibles | -1,078 | 511 | 1,021 |
| Amortization ofinvestment in limited partnerships | -373 | 187 | 373 |
| Gain on settlement of bank-owned life insurance claims | - | 120 | - |
| (increase) decrease in accrued interest receivable and other assets | 1,394 | -98 | -666 |
| Increase in accrued interest payable and other liabilities | -702 | 587 | 2,110 |
| Other, net | 143 | -66 | -141 |
| Net cash provided by operating activities | -817 | 7,571 | 9,844 |
| Purchases | -30,958 | 32,357 | 37,240 |
| Proceeds from sales | - | 0 | 29,574 |
| Proceeds from maturities of interest-bearing time deposits | - | - | 0 |
| Proceeds from paydowns, calls and maturities | -47,845 | 11,827 | 44,050 |
| Purchase of bank-owned life insurance | -27 | 3 | 44 |
| Proceeds from redemption of restricted investment in bank stocks | -4,424 | 282 | 4,268 |
| Acquisition of customer relationship intangibles | - | 0 | 18 |
| Purchase of restricted investment in bank stocks | -2,864 | 21 | 2,876 |
| Net increase in loans | -25,046 | 10,534 | 26,324 |
| Proceeds from sale of premises and equipment | 5 | - | - |
| Proceeds from sale of foreclosed assets held for sale | 284 | 0 | 80 |
| Acquisition of premises and equipment | -1,140 | 147 | 1,094 |
| Net cash (used for) provided by investing activities | -21,501 | -30,953 | 10,376 |
| Repayment of long-term borrowings | - | 4,999 | 10,225 |
| Net increase in deposits | 63,463 | -35,771 | -68,465 |
| Net decrease in short-term borrowings | 49,694 | -1,228 | -50,267 |
| Proceeds from issuance of common stock | -96 | 43 | 86 |
| Cash dividends paid | -4,910 | 1,591 | 4,947 |
| Net cash provided by (used for) financing activities | 6,269 | 27,996 | 3,112 |
| Net increase in cash and cash equivalents | -16,049 | 4,614 | 23,332 |
| Cash and cash equivalents, beginning of period | 45,326 | 17,380 | - |
| Cash and cash equivalents, end of period | 60,437 | 45,326 | - |
MUNCY COLUMBIA FINANCIAL Corp (CCFN)
MUNCY COLUMBIA FINANCIAL Corp (CCFN)