JBT Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	45.1	42.76	41.04	31.56	28.69	25.57
Interest Income on Investments	6.22	6.21	3.13	1.47	0.82	0.92
Total Interest Income	51.32	48.98	44.17	33.04	29.52	26.49
Interest Paid on Deposits	13.16	12.8	8.62	2.54	2.25	3.54
Interest Paid on Borrowings	3.4	3.9	4.35	0.93	0.52	0.69
Total Interest Expense	16.56	16.7	12.98	3.47	2.78	4.23
Net Interest Income	34.76	32.27	31.2	29.57	26.74	22.26
Net Interest Income Growth (YoY)	9.24%	3.44%	5.53%	10.56%	20.12%	4.22%
Mortgage Banking Activities	-	-	-	0.23	0.9	1.33
Gain (Loss) on Sale of Investments	-0.74	-	-	-	-	-
Other Non-Interest Income	3.41	2.94	2.52	2.56	2.12	2.73
Total Non-Interest Income	6.38	4.79	4.32	4.36	4.25	4.38
Non-Interest Income Growth (YoY)	41.97%	11.10%	-0.99%	2.66%	-3.02%	11.71%
Revenues Before Loan Losses	41.14	37.07	35.51	33.92	30.99	26.64
Provision for Loan Losses	2.89	1.73	1.19	1.2	0.94	2.02
Revenue	38.25	35.34	34.32	32.72	30.05	24.62
Revenue Growth (YoY)	9.09%	2.97%	4.88%	8.89%	22.08%	1.58%
Salaries and Employee Benefits	14.46	13.84	12.32	11.91	11.63	9.81
Federal Deposit Insurance	0.59	0.59	0.61	0.51	0.5	0.4
Selling, General & Administrative	5.65	5.38	5.26	6.14	5.92	5
Other Non-Interest Expense	6.56	6.19	6.48	4.27	4.1	3.33
Total Non-Interest Expense	27.26	26	24.67	22.83	22.12	18.47
EBT Excluding Unusual Items	10.99	9.34	9.65	9.9	7.93	6.15
Pretax Income	10.99	9.34	9.65	9.9	7.93	6.15
Income Tax Expense	2.1	1.79	1.86	1.84	1.49	1.06
Net Income	8.89	7.56	7.79	8.06	6.44	5.09
Net Income to Common	8.89	7.56	7.79	8.06	6.44	5.09
Net Income Growth	13.22%	-3.05%	-3.31%	25.23%	26.35%	-6.27%
Basic Shares Outstanding	2	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2	2
Shares Change (YoY)	-0.20%	-	-	0.04%	0.35%	0.42%
EPS (Basic)	3.66	3.10	3.20	3.31	2.65	2.10
EPS (Diluted)	3.66	3.10	3.20	3.31	2.65	2.10
EPS Growth	13.45%	-3.05%	-3.31%	25.19%	25.91%	-6.67%
Dividend Per Share	-	1.020	-	0.905	0.850	0.810
Dividend Growth	-	-	-	6.47%	4.94%	-
Effective Tax Rate	19.08%	19.13%	19.28%	18.57%	18.84%	17.16%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.