| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 16,832 | 10,113 |
| Provision for credit losses | 843 | 364 |
| Depreciation and amortization of premises and equipment | 1,120 | 739 |
| Accretion of loan fair value adjustments, net | -7,285 | -4,936 |
| Amortization of deposit fair value adjustments, net | 225 | 169 |
| Gains on marketable equity securities | 28 | -20 |
| Realized losses on available-for-sale debt securities, net | -426 | -426 |
| Accretion of investment securities, net | 893 | 500 |
| Losses on disposal of premises and equipment, net | -123 | -59 |
| Gain (loss) on sale of foreclosed assets held for sale, net | 10 | 10 |
| Deferred income taxes | 950 | 581 |
| Gain on sale of loans | 340 | 154 |
| Earnings on bank-owned life insurance | 699 | 464 |
| Proceeds from sale of mortgage loans | 16,170 | 6,322 |
| Originations of mortgage loans held for resale | 15,659 | 7,196 |
| Amortization of intangibles | 1,532 | 1,021 |
| Amortization of investment in limited partnerships | 560 | 373 |
| Gain on settlement of bank-owned life insurance claims | 120 | - |
| Decrease in accrued interest receivable and other assets | -764 | -666 |
| Increase in accrued interest payable and other liabilities | 2,697 | 2,110 |
| Other, net | -207 | -141 |
| Net cash provided by operating activities | 17,415 | 9,844 |
| Purchases | 69,597 | 37,240 |
| Proceeds from sales | 29,574 | 29,574 |
| Proceeds from maturities of interest-bearing time deposits | - | 0 |
| Proceeds from paydowns, calls and maturities | 55,877 | 44,050 |
| Purchase of bank-owned life insurance | 47 | 44 |
| Proceeds from redemption of restricted investment in bank stocks | 4,550 | 4,268 |
| Purchase of restricted investment in bank stocks | 2,897 | 2,876 |
| Net increase in loans | 36,858 | 26,324 |
| Proceeds from sale of foreclosed assets held for sale | 80 | 80 |
| Acquisition of customer relationship intangibles | 18 | 18 |
| Acquisition of premises and equipment | 1,241 | 1,094 |
| Net cash (used for) provided by investing activities | -20,577 | 10,376 |
| Net increase in deposits | -104,236 | -68,465 |
| Net decrease in short-term borrowings | -51,495 | -50,267 |
| Repayment of long-term borrowings | 15,224 | 10,225 |
| Proceeds from issuance of common stock | 129 | 86 |
| Cash dividends paid | 6,538 | 4,947 |
| Net cash provided by (used for) financing activities | 31,108 | 3,112 |
| Net increase in cash and cash equivalents | 27,946 | 23,332 |
| Cash and cash equivalents at beginning of period | 17,380 | - |
| Cash and cash equivalents at end of period | 45,326 | - |
MUNCY COLUMBIA FINANCIAL Corp (CCFN)
MUNCY COLUMBIA FINANCIAL Corp (CCFN)