JBT Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	10.01	7.56	7.79	8.06	6.44
Depreciation & Amortization	0.62	0.67	0.66	0.69	0.83
Other Amortization	2.21	2.91	2.37	0.34	-2.07
Gain (Loss) on Sale of Assets	0	0.01	0.01	0.01	0.04
Gain (Loss) on Sale of Investments	0.56	-0.11	0.05	0.16	0.22
Provision for Credit Losses	2.62	1.53	1.39	1.2	0.94
Net Decrease (Increase) in Loans Originated / Sold - Operating	-0.18	-0.35	0	0.1	0.79
Accrued Interest Receivable	1.98	0.64	0.61	0.76	1.14
Other Operating Activities	-1.61	-1.31	-1.02	-0.62	0.37
Operating Cash Flow	17.04	13	13.01	10.95	8.25
Operating Cash Flow Growth	31.09%	-0.02%	18.75%	32.77%	103.53%
Capital Expenditures	-1.85	-0.34	-0.31	-0.17	-0.38
Investment in Securities	-2.95	-9.58	-4.43	1.38	-5.95
Net Decrease (Increase) in Loans Originated / Sold - Investing	-49.52	12.5	-4.16	-89.84	-68.51
Other Investing Activities	0.93	0.51	-5.15	1.21	1.11
Investing Cash Flow	-53.39	3.1	-14.04	-87.43	-73.73
Short-Term Debt Issued	-	-	-	24	-
Long-Term Debt Issued	100	70	51	5	9.89
Total Debt Issued	100	70	51	29	9.89
Long-Term Debt Repaid	-116.13	-89	-9.52	-12.59	-9.45
Total Debt Repaid	-116.13	-89	-9.52	-12.59	-9.45
Net Debt Issued (Repaid)	-16.13	-19	41.48	16.41	0.44
Issuance of Common Stock	-	-	-	-	0.1
Common Dividends Paid	-2.68	-2.43	-2.39	-2.14	-2.04
Total Dividends Paid	-2.68	-2.43	-2.39	-2.14	-2.04
Net Increase (Decrease) in Deposit Accounts	42.45	69.23	-20.39	15.18	75.97
Financing Cash Flow	23.65	47.8	18.7	29.45	74.47
Net Cash Flow	-12.7	63.9	17.67	-47.02	8.99
Free Cash Flow	15.2	12.66	12.7	10.78	7.87
Free Cash Flow Growth	20.01%	-0.29%	17.82%	36.98%	201.84%
Free Cash Flow Margin	38.49%	35.83%	37.00%	32.94%	26.19%
Free Cash Flow Per Share	6.24	5.20	5.22	4.43	3.23
Cash Interest Paid	-	16.76	12.2	3.34	2.8
Cash Income Tax Paid	-	2.41	2.45	1.59	0.76

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.