MUNCY COLUMBIA FINANCIAL Corp
For the period ended Sep 30, 2026. Filed Nov 6, 2026.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2026 · Filed Nov 6, 2026
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Consolidated Statements of Cash Flows
| For the Nine Months Ended | ||
|---|---|---|
| September 30, | ||
| (In Thousands) (Unaudited) | 2026 | 2025 |
| OPERATING ACTIVITIES | ||
| Net Income | $20,354 | $16,832 |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||
| Provision for credit losses | 1,405 | 843 |
| Depreciation and amortization of premises and equipment | 1,122 | 1,120 |
| Accretion of loan fair value adjustments, net | (6,579) | (7,285) |
| Amortization of deposit fair value adjustments, net | 121 | 225 |
| Gains on marketable equity securities | (236) | (28) |
| Realized losses on available-for-sale debt securities, net | 3,849 | 426 |
| Accretion of investment securities, net | (1,678) | (893) |
| (Gains) losses on disposal of premises and equipment, net | (5) | 123 |
| Gain on sale of foreclosed assets held for sale, net | (90) | (10) |
| Deferred income taxes | 1,264 | 950 |
| Earnings on bank-owned life insurance | (746) | (699) |
| Loss (gain) on sale of loans | 354 | (340) |
| Proceeds from sale of mortgage loans | 23,830 | 16,170 |
| Originations of mortgage loans held for resale | (15,720) | (15,659) |
| Amortization of intangibles | 1,362 | 1,532 |
| Amortization of investment in limited partnerships | 560 | 560 |
| Gain on settlement of bank-owned life insurance claims | (605) | (120) |
| (Increase) decrease in accrued interest receivable and other assets | (379) | 764 |
| Increase in accrued interest payable and other liabilities | 894 | 2,697 |
| Other, net | 398 | 207 |
| Net cash provided by operating activities | 29,475 | 17,415 |
| INVESTING ACTIVITIES | ||
| Available-for-sale debt securities: | ||
| Purchases | (90,766) | (69,597) |
| Proceeds from sales | 27,821 | 29,574 |
| Proceeds from paydowns, calls and maturities | 48,571 | 55,877 |
| Purchase of bank-owned life insurance | (45) | (47) |
| Proceeds from settlement of bank-owned life insurance claims | 1,708 | — |
| Proceeds from redemption of restricted investment in bank stocks | 4,106 | 4,550 |
| Purchase of restricted investment in bank stocks | (2,529) | (2,897) |
| Net increase in loans | (35,408) | (36,858) |
| Proceeds from sale of premises and equipment | 5 | — |
| Proceeds from sale of foreclosed assets held for sale | 625 | 80 |
| Acquisition of customer relationship intangibles | — | (18) |
| Acquisition of premises and equipment | (1,041) | (1,241) |
| Net cash used for investing activities | (46,953) | (20,577) |
| FINANCING ACTIVITIES | ||
| Net increase in deposits | 58,966 | 104,236 |
| Net decrease in short-term borrowings | (4,938) | (51,495) |
| Repayment of long-term borrowings | (40,984) | (15,224) |
| Proceeds from issuance of common stock | 109 | 129 |
| Cash dividends paid | (8,455) | (6,538) |
| Net cash provided by financing activities | 4,698 | 31,108 |
| NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS | (12,780) | 27,946 |
| CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD | 48,540 | 17,380 |
| CASH AND CASH EQUIVALENTS, END OF PERIOD | $35,760 | $45,326 |
| SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION | ||
| Interest paid | $19,483 | $20,855 |
| Income taxes paid | 2,950 | 925 |
| Securities acquired but not settled | — | 271 |
| Loans transferred to foreclosed assets held for sale | 1,016 | 70 |
| Loans transferred to held for sale | 9,856 | — |
| Bank-owned life insurance death benefit receivable | — | 304 |
MUNCY COLUMBIA FINANCIAL CORPORATION
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