Jordan Commercial Bank (ASE:JCBK)

Jordan Commercial Bank Income Statement

Financials in millions JOD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	94.1	94.68	92.18	76.71	70.4	70.6
Interest Income on Investments	0.18	0.18	0.28	0.13	0.2	0.21
Total Interest Income	94.29	94.85	92.47	76.84	70.6	70.81
Interest Paid on Deposits	47.53	48.3	43.93	35.48	34.61	37.07
Net Interest Income	46.75	46.56	48.54	41.36	35.99	33.74
Net Interest Income Growth (YoY)	-1.54%	-4.08%	17.35%	14.92%	6.69%	8.03%
Gain (Loss) on Sale of Assets	-0.04	-0.04	0	0	0	0.1
Gain (Loss) on Sale of Investments	-0.06	0.01	0.52	-0.06	0.28	-0.23
Other Non-Interest Income	8.6	8.09	10.88	10.11	8.14	9.12
Total Non-Interest Income	8.5	8.06	11.39	10.04	8.42	8.99
Non-Interest Income Growth (YoY)	-23.77%	-29.26%	13.45%	19.28%	-6.38%	-19.90%
Revenues Before Loan Losses	55.25	54.62	59.93	51.4	44.41	42.73
Provision for Loan Losses	10.12	7.5	11.62	6.3	4.6	8.05
Revenue	45.12	47.12	48.31	45.1	39.81	34.68
Revenue Growth (YoY)	-8.57%	-2.47%	7.12%	13.28%	14.79%	-16.56%
Salaries and Employee Benefits	16.59	16.4	15.47	14.21	13.75	12.8
Occupancy Expenses	4.07	4.08	3.91	3.47	3.62	3.62
Selling, General & Administrative	1.38	1.38	1.03	1.05	0.87	0.77
Other Non-Interest Expense	10.95	10.73	10.28	8.82	8.81	9.18
Total Non-Interest Expense	29.54	29.14	30.71	27.04	27.03	27.93
EBT Excluding Unusual Items	15.58	17.98	17.6	18.06	12.78	6.75
Legal Settlements	-0.27	-0.27	-0.66	-0.03	-0.23	-0.02
Pretax Income	15.31	17.71	16.94	18.03	12.55	6.73
Income Tax Expense	5.06	5.99	5.46	6.69	5.54	2.03
Earnings From Continuing Operations	10.25	11.72	11.48	11.34	7	4.7
Earnings From Discontinued Operations	-	-	-	-	-	-4.19
Net Income	10.25	11.72	11.48	11.34	7	0.51
Net Income to Common	10.25	11.72	11.48	11.34	7	0.51
Net Income Growth	-12.18%	2.03%	1.27%	61.89%	1264.12%	-90.33%
Basic Shares Outstanding	118	120	120	120	120	120
Diluted Shares Outstanding	118	120	120	120	120	120
Shares Change (YoY)	-1.11%	-	-	-	-	-0.62%
EPS (Basic)	0.09	0.10	0.10	0.09	0.06	0.00
EPS (Diluted)	0.09	0.10	0.10	0.09	0.06	0.00
EPS Growth	-11.19%	2.03%	1.27%	61.89%	1264.17%	-90.28%
Dividend Per Share	0.060	0.060	0.050	0.050	-	-
Dividend Growth	20.00%	20.00%	-	-	-	-
Effective Tax Rate	33.04%	33.85%	32.21%	37.11%	44.17%	30.13%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.