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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	93.22	94.68	92.18	76.71	70.4	70.6
Interest Income on Investments	0.28	0.18	0.28	0.13	0.2	0.21
Total Interest Income	93.5	94.85	92.47	76.84	70.6	70.81
Interest Paid on Deposits	44.57	48.3	43.93	35.48	34.61	37.07
Net Interest Income	48.93	46.56	48.54	41.36	35.99	33.74
Net Interest Income Growth (YoY)	7.16%	-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	-0.13	0.01	0.52	-0.06	0.28	-0.23
Other Non-Interest Income	12.2	8.09	10.88	10.11	8.14	9.12
Total Non-Interest Income	12.03	8.06	11.39	10.04	8.42	8.99
Non-Interest Income Growth (YoY)	11.63%	-29.26%	13.45%	19.28%	-6.38%	-19.90%
Revenues Before Loan Losses	60.96	54.62	59.93	51.4	44.41	42.73
Provision for Loan Losses	7.47	7.5	11.62	6.3	4.6	8.05
Revenue	53.49	47.12	48.31	45.1	39.81	34.68
Revenue Growth (YoY)	7.30%	-2.47%	7.12%	13.28%	14.79%	-16.56%
Salaries and Employee Benefits	17.19	16.4	15.47	14.21	13.75	12.8
Occupancy Expenses	4.13	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	10.9	10.73	10.28	8.82	8.81	9.18
Total Non-Interest Expense	31.2	29.14	30.71	27.04	27.03	27.93
EBT Excluding Unusual Items	22.3	17.98	17.6	18.06	12.78	6.75
Legal Settlements	-0.38	-0.27	-0.66	-0.03	-0.23	-0.02
Pretax Income	21.91	17.71	16.94	18.03	12.55	6.73
Income Tax Expense	7.96	5.99	5.46	6.69	5.54	2.03
Earnings From Continuing Operations	13.95	11.72	11.48	11.34	7	4.7
Earnings From Discontinued Operations	-	-	-	-	-	-4.19
Net Income	13.95	11.72	11.48	11.34	7	0.51
Net Income to Common	13.95	11.72	11.48	11.34	7	0.51
Net Income Growth	14.32%	2.03%	1.27%	61.89%	1264.12%	-90.33%
Basic Shares Outstanding	121	120	120	120	120	120
Diluted Shares Outstanding	121	120	120	120	120	120
Shares Change (YoY)	0.59%	-	-	-	-	-0.62%
EPS (Basic)	0.12	0.10	0.10	0.09	0.06	0.00
EPS (Diluted)	0.12	0.10	0.10	0.09	0.06	0.00
EPS Growth	13.65%	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	36.31%	33.85%	32.21%	37.11%	44.17%	30.13%

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