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UNITED
STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM
8-K
Current
Report
Pursuant to Section 13 or 15(d) of
the Securities Exchange Act of 1934
June 3, 2024
Date of Report (Date of earliest event reported)
MUNCY
COLUMBIA FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)
Pennsylvania |
000-19028 |
23-2254643 |
(State or other jurisdiction of
incorporation) |
(Commission
File Number) |
(I.R.S. Employer
Identification No.) |
232
East Street
Bloomsburg, PA 17815
(Address of principal executive offices)
570-784-4400
(Registrant’s telephone number, including area code)
N/A
(Former name or former address, if changed since last report.)
Check the appropriate box below if the Form 8-K filing is intended
to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4 (c))
Securities registered pursuant to Section 12(b) of the Exchange Act:
Title of each class |
Trading Symbol(s) |
Name of each exchange on which registered |
None |
None |
None |
Indicated by check mark whether the registrant is an emerging growth
company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17
CFR 240.12b-2) ☐
If an emerging growth company, indicate by check mark if registrant
has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant
to Section 13(a) of the Exchange Act ☐
ITEM 7.01 REGULATION FD DISCLOSURE
On June 3, 2024, Muncy Columbia Financial
Corporation mailed to shareholders its 1st Quarter Report and Shareholder Letter. A copy of the report and letter is furnished
as Exhibit 99.1 to this current report on Form 8-K and incorporated herein by reference.
The information contained in this Item 7.01
and Exhibit 99.1 is being furnished, and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange
Act of 1934, as amended (the “Exchange Act”), or otherwise subject to liability under Section 18. Furthermore, the information
contained in this Item 7.01 and Exhibit 99.1 shall not be deemed to be incorporated by reference into the Corporation’s filings
under the Securities Act of 1933, as amended, or the Exchange Act.
ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS
(a) Not applicable
(b) Not applicable
(c) Not applicable
(d) Exhibits.
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.
Date: June 3, 2024 |
Muncy Columbia Financial Corporation |
|
|
|
By: |
/s/ Joseph K. O’Neill, Jr. |
|
|
Name: |
Joseph K. O’Neill, Jr. |
|
Title: |
Executive Vice President and Chief Financial Officer |
Muncy Columbia Financial Corporation 8-K
Exhibit 99.1
Officers
Robert
J. Glunk
Executive
Chairman
Lance
O. Diehl
President
and
Chief
Executive Officer
Jeffrey
T. Arnold Executive
Vice
President and Treasurer
Joseph
K. O’Neill, Jr.
Executive
Vice President and
Chief
Financial Officer
Beth
A. Benson
Corporate
Secretary
Board
of Directors
Todd
M. Arthur
Lance
O. Diehl
Robert
W. Dillon
Robert
J. Glunk
Robert
P. Hager
Willard
H. Kile, Jr.
Brian
D. Klingerman
J.
Howard Langdon
W.
Bruce McMichael, Jr.
Steven
H. Shannon
Stephen
M. Tasselli
Bonnie
M. Tompkins
Edwin
A. Wenner
Brenda
R. H. Williams
Advisory
Board
Robert
M. Brewington, Jr.
Russell
S. Cotner
Joanne
I. Keenan
Andrew
B. Pruden
Robert
M. Rabb
David
E. Wallis
Locations
Serving
Our Five County Region
with
22 Community Offices.
Clinton
County
Avis
Columbia
County
Benton
Berwick
Bloomsburg
Buckhorn
Catawissa
Millville
Lycoming
County
Clarkstown
Hughesville
Linden
Montgomery
Muncy
Montoursville
South
Williamsport
Montour
County
Danville
Northumberland
County
Dewart
Elysburg
www.journeybank.com
570-784-1660
● 570-546-2211
Member
FDIC
1st
Quarter
Report
March
31, 2024
CONSOLIDATED
BALANCE SHEETS
(In
Thousands, Except Share and Per Share Data) (Unaudited) | |
March
31,
2024 | | |
December
31,
2023 | |
ASSETS | |
| | | |
| | |
Cash
and due from banks | |
$ | 11,994 | | |
$ | 14,614 | |
Interest-bearing
deposits in other banks | |
| 4,237 | | |
| 3,763 | |
Total
cash and cash equivalents | |
| 16,231 | | |
| 18,377 | |
| |
| | | |
| | |
Interest-bearing
time deposits | |
| 736 | | |
| 979 | |
Available-for-sale
debt securities, at fair value | |
| 339,594 | | |
| 413,302 | |
Marketable
equity securities, at fair value | |
| 1,178 | | |
| 1,295 | |
Restricted
investment in bank stocks, at cost | |
| 8,013 | | |
| 10,394 | |
Loans held
for sale | |
| 614 | | |
| 366 | |
| |
| | | |
| | |
Loans receivable | |
| 1,080,747 | | |
| 1,068,429 | |
Allowance
for credit losses | |
| (9,351 | ) | |
| (9,302 | ) |
Loans,
net | |
| 1,071,396 | | |
| 1,059,127 | |
| |
| | | |
| | |
Premises
and equipment, net | |
| 27,322 | | |
| 27,569 | |
Foreclosed
assets held for sale | |
| 335 | | |
| 170 | |
Accrued
interest receivable | |
| 4,849 | | |
| 5,362 | |
Bank-owned
life insurance | |
| 40,456 | | |
| 40,209 | |
Investment
in limited partnerships | |
| 5,641 | | |
| 5,828 | |
Deferred
tax asset, net | |
| 11,745 | | |
| 12,634 | |
Goodwill | |
| 25,609 | | |
| 25,609 | |
Core deposit
intangible, net | |
| 11,346 | | |
| 11,895 | |
Other
assets | |
| 8,206 | | |
| 6,663 | |
TOTAL
ASSETS | |
$ | 1,573,271 | | |
$ | 1,639,779 | |
| |
| | | |
| | |
LIABILITIES | |
| | | |
| | |
Interest-bearing
deposits | |
$ | 949,546 | | |
$ | 884,654 | |
Noninterest-bearing
deposits | |
| 263,954 | | |
| 266,015 | |
Total
deposits | |
| 1,213,500 | | |
| 1,150,669 | |
| |
| | | |
| | |
Short-term
borrowings | |
| 125,913 | | |
| 252,532 | |
Long-term
borrowings | |
| 65,524 | | |
| 70,448 | |
Accrued
interest payable | |
| 2,281 | | |
| 2,358 | |
Other
liabilities | |
| 11,190 | | |
| 9,947 | |
TOTAL
LIABILITIES | |
| 1,418,408 | | |
| 1,485,954 | |
| |
| | | |
| | |
STOCKHOLDERS'
EQUITY | |
| | | |
| | |
Common stock, par value $1.25
per share; 15,000,000 shares authorized; | |
| | | |
| | |
issued
3,836,988 and outstanding 3,572,288 at March 31, 2024; | |
| | | |
| | |
issued
3,834,976 and outstanding 3,570,276 at December 31, 2023; | |
| 4,796 | | |
| 4,794 | |
Additional
paid-in capital | |
| 83,403 | | |
| 83,343 | |
Retained
earnings | |
| 92,980 | | |
| 90,514 | |
Accumulated
other comprehensive loss | |
| (16,526 | ) | |
| (15,036 | ) |
Treasury
stock, at cost; 264,700 shares at March 31, 2024 and December 31, 2023 | |
| (9,790 | ) | |
| (9,790 | ) |
TOTAL
STOCKHOLDERS' EQUITY | |
| 154,863 | | |
| 153,825 | |
TOTAL
LIABILITIES AND STOCKHOLDERS' EQUITY | |
$ | 1,573,271 | | |
$ | 1,639,779 | |
| |
| | | |
| | |
ADDITIONAL
INFORMATION | |
| | | |
| | |
Trust
Assets | |
$ | 150,303 | | |
$ | 140,623 | |
CONSOLIDATED
STATEMENTS OF INCOME FOR THE THREE MONTHS ENDED MARCH 31,
(In
Thousands, Except Share and Per Share Data) (Unaudited) | |
2024 | | |
2023 | |
INTEREST
AND DIVIDEND INCOME | |
| | | |
| | |
Interest
and fees on loans: | |
| | | |
| | |
Taxable | |
$ | 17,256 | | |
$ | 5,934 | |
Tax-exempt | |
| 353 | | |
| 216 | |
Interest
and dividends on investment securities: | |
| | | |
| | |
Taxable | |
| 1,161 | | |
| 1,208 | |
Tax-exempt | |
| 830 | | |
| 129 | |
Dividend
and other interest income | |
| 223 | | |
| 67 | |
Deposits
in other banks | |
| 66 | | |
| 60 | |
TOTAL
INTEREST AND DIVIDEND INCOME | |
| 19,889 | | |
| 7,614 | |
| |
| | | |
| | |
INTEREST
EXPENSE | |
| | | |
| | |
Deposits | |
| 4,610 | | |
| 627 | |
Short-term
borrowings | |
| 2,497 | | |
| 1,786 | |
Long-term
borrowings | |
| 847 | | |
| — | |
TOTAL
INTEREST EXPENSE | |
| 7,954 | | |
| 2,413 | |
| |
| | | |
| | |
NET
INTEREST INCOME | |
| 11,935 | | |
| 5,201 | |
| |
| | | |
| | |
Provision
(credit) for credit losses - loans | |
| 101 | | |
| (418 | ) |
(Credit)
provision for credit losses - off balance sheet credit exposures | |
| (11 | ) | |
| 9 | |
TOTAL
PROVISION (CREDIT) FOR CREDIT LOSSES | |
| 90 | | |
| (409 | ) |
| |
| | | |
| | |
NET
INTEREST INCOME AFTER PROVISION (CREDIT) FOR CREDIT LOSSES | |
| 11,845 | | |
| 5,610 | |
| |
| | | |
| | |
NON-INTEREST
INCOME | |
| | | |
| | |
Service
charges and fees | |
| 615 | | |
| 525 | |
Gain on
sale of loans | |
| 76 | | |
| 29 | |
Earnings
on bank-owned life insurance | |
| 227 | | |
| 109 | |
Brokerage
fees | |
| 224 | | |
| 128 | |
Trust fees | |
| 206 | | |
| 191 | |
Losses on
marketable equity securities | |
| (117 | ) | |
| (81 | ) |
Realized
losses on available-for-sale debt securities, net | |
| (8 | ) | |
| — | |
Interchange
fees | |
| 619 | | |
| 424 | |
Other
non-interest income | |
| 690 | | |
| 301 | |
TOTAL
NON-INTEREST INCOME | |
| 2,532 | | |
| 1,626 | |
| |
| | | |
| | |
NON-INTEREST
EXPENSE | |
| | | |
| | |
Salaries
and employee benefits | |
| 4,802 | | |
| 2,592 | |
Occupancy | |
| 618 | | |
| 323 | |
Furniture
and equipment | |
| 896 | | |
| 519 | |
Pennsylvania shares tax | |
| 210 | | |
| 161 | |
Professional
fees | |
| 799 | | |
| 311 | |
Director's
fees | |
| 134 | | |
| 82 | |
Federal
deposit insurance | |
| 220 | | |
| 108 | |
Telecommunications | |
| 88 | | |
| 84 | |
Automated
teller machine and interchange | |
| 262 | | |
| 119 | |
Merger-related
expenses | |
| 96 | | |
| — | |
Amortization
of core deposit intangible | |
| 549 | | |
| — | |
Other
non-interest expense | |
| 972 | | |
| 518 | |
TOTAL
NON-INTEREST EXPENSE | |
| 9,646 | | |
| 4,817 | |
| |
| | | |
| | |
INCOME BEFORE
INCOME TAX PROVISION | |
| 4,731 | | |
| 2,419 | |
INCOME
TAX PROVISION | |
| 695 | | |
| 479 | |
NET
INCOME | |
$ | 4,036 | | |
$ | 1,940 | |
| |
| | | |
| | |
Earnings
Per Share | |
$ | 1.13 | | |
$ | 0.93 | |
These
interim statements are subject to year-end audit adjustment.
To
access current financial information, visit our website at https://ir.journeybank.com
May
21, 2024
Dear
Shareholders,
We
are pleased to present our first quarter results for Muncy Columbia Financial Corporation (the “Corporation”). Net income
for the quarter-ended March 31, 2024 was $4,036,000 compared to net income of $1,940,000 for the same period in 2023. Earnings per share
for the quarters-ended March 31, 2024 and 2023 were $1.13 and $0.93, respectively. Return on average assets and return on average equity
were 1.02% and 10.52% for the quarter-ended March 31, 2024 as compared to 0.82% and 8.94% for the same period of 2023.
Our
annual shareholder meeting was held on April 23rd, and a number of shareholders attended in-person and virtually. This was
our first combined annual meeting as Muncy Columbia Financial Corporation, and we wanted to share some of the key information and takeaways
from that meeting for those shareholders who were not in attendance.
As
we reviewed our results from 2023, we first acknowledged the successful merger of First Columbia Bank & Trust Co. and The Muncy Bank
& Trust Company to form Journey Bank — A Muncy Columbia Financial Company. In our view, this merger met three essential criteria:
| 1. | Preserve
the legacy and storied histories of both banks. |
| 2. | Maintain
our status as a local, community bank. |
| 3. | Position
the Corporation for long-term success for shareholders, customers, employees, and our community. |
Interest
rate increases continue to create a challenging environment. After a period of historically low rates from 2008 to 2021, rates moved
sharply higher in 2022 and 2023. Rates increased 525 basis points in just a 16-month period, which marked an unprecedented climb, and
a scenario that pressured the net interest margins of financial institutions.
(continued
next page)
We
understand shareholder concerns regarding the recent decline in our share price. There is a confluence of underlying factors that are
important to consider, including market forces and industry-wide challenges. While our stock value was impacted by the events impacting
the industry as a whole, our valuation change over the past 18 months was in line with that of our local peers.
As
we move ahead in 2024, we are encouraged by our first quarter results. Net income was strong at $4,036,000, surpassing the full year
2023 net income of $3,387,000, which was significantly impacted by transaction related expenses of the merger. In addition, our first
quarter cash dividend was $0.44, an increase from $0.42 in the first quarter of 2023, evidencing our ongoing commitment to shareholder
value.
We
believe our Corporation is well-positioned to manage market-driven challenges and execute on the strategy to deliver long-term value
to our shareholders as we continue serving the banking needs of our local communities. We are thankful for your support and invite you
to reach out to senior leadership or any of our board members if we may provide additional information.
Sincerely,
|
|
|
|
Robert J. Glunk |
Lance O. Diehl |
Executive Chairman |
President & CEO |
Cautionary
Note Regarding Forward Looking Statements
This
letter contains forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements
are not statements of current or historical fact and involve substantial risks and uncertainties. Words such as "anticipates,"
"believes," "estimates," "expects," "forecasts," "intends," "plans," "projects,"
"may," "will," "should," and other similar expressions can be used to identify forward-looking statements.
Such statements are subject to factors that could cause actual results to differ materially from anticipated results. Among the risks
and uncertainties that could cause actual results to differ from those described in the forward-looking statements include, but are not
limited to the following: costs or difficulties related to integration following the mergers of Muncy Bank Financial, Inc. with and into
CCFNB Bancorp, Inc., forming Muncy Columbia Financial Corporation, and of The Muncy Bank and Trust Company with and into First Columbia
Bank & Trust Company, forming Journey Bank; the risk that the anticipated benefits, cost savings and other savings from the mergers
may not be fully realized or may take longer than expected to realize; potential impairment to the goodwill recorded in connection with
the mergers; changes in general economic trends, including inflation and changes in interest rates; our ability to manage credit risk;
our ability to maintain an adequate level of allowance for credit loss on loans; increased competition; changes in consumer demand for
financial services; our ability to control costs and expenses; fluctuations in the values of securities held in our securities portfolio,
including as a result of changes in interest rates; our ability to successfully manage liquidity risk; adverse developments in borrower
industries and, in particular, declines in real estate values; the concentration of large deposits from certain customers who have balances
above current FDIC insurance limits; changes in and compliance with federal and state laws that regulate our business and capital levels;
our ability to raise capital as needed; and any other risks described in the “Risk Factors” sections of reports filed by
the Corporation with the Securities and Exchange Commission. We do not undertake, and specifically disclaim, any obligation to publicly
revise any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date
of such statements, except as required by law. Accordingly, you should not place undue reliance on forward-looking statements.
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Muncy Columbia Financial (QX) (USOTC:CCFN)
Historical Stock Chart
From Sep 2024 to Oct 2024
Muncy Columbia Financial (QX) (USOTC:CCFN)
Historical Stock Chart
From Oct 2023 to Oct 2024