JD Bancshares, Inc. (JDVB)

JD Bancshares Income Statement

Financials in millions USD. 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	49.37	46.47	40.03	34.24	32.78	33.95
Interest Income on Investments	10.06	11.2	12.31	10.23	7.55	4.97
Total Interest Income	59.44	57.67	52.34	44.47	40.34	38.92
Interest Paid on Deposits	12.06	10.16	5.79	2.65	3.04	3.38
Interest Paid on Borrowings	2.6	3.69	2.44	1.31	1.49	1.5
Total Interest Expense	14.65	13.85	8.22	3.96	4.53	4.88
Net Interest Income	44.79	43.82	44.12	40.51	35.8	34.03
Net Interest Income Growth (YoY)	1.68%	-0.67%	8.90%	13.15%	5.21%	-3.56%
Trust Income	0.61	0.61	0.56	0.67	0.59	0.55
Gain (Loss) on Sale of Investments	-	-	-7.84	-	0.01	0.25
Other Non-Interest Income	1.76	1.55	1.5	1.05	1.98	1.85
Total Non-Interest Income	11.06	11.14	3.53	11.71	12.91	10.54
Non-Interest Income Growth (YoY)	143.94%	215.80%	-69.87%	-9.27%	22.46%	8.04%
Revenues Before Loan Losses	55.84	54.96	47.65	52.22	48.71	44.57
Provision for Loan Losses	0.15	-0.68	1.25	0.72	0.33	2.73
Revenue	55.69	55.64	46.39	51.5	48.38	41.84
Revenue Growth (YoY)	13.47%	19.93%	-9.92%	6.45%	15.62%	-5.64%
Salaries and Employee Benefits	22.08	21.1	20.1	18.86	17.95	18.02
Selling, General & Administrative	11.25	11.06	11.92	10.79	10.34	9.9
Other Non-Interest Expense	7.14	7.31	6.94	7.37	6.94	5.55
Total Non-Interest Expense	40.48	39.48	38.95	37.02	35.24	33.47
EBT Excluding Unusual Items	15.21	16.16	7.44	14.48	13.15	8.37
Pretax Income	15.21	16.16	7.44	14.48	13.15	8.37
Income Tax Expense	2.34	2.53	0.86	2.39	2.13	1.17
Net Income	12.87	13.63	6.58	12.1	11.01	7.2
Net Income to Common	12.87	13.63	6.58	12.1	11.01	7.2
Net Income Growth	57.52%	107.16%	-45.59%	9.81%	52.91%	-19.49%
Basic Shares Outstanding	3	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3	3
Shares Change (YoY)	0.25%	0.29%	0.11%	-0.39%	0.01%	-0.01%
EPS (Basic)	3.75	3.97	1.92	3.54	3.21	2.10
EPS (Diluted)	3.75	3.97	1.92	3.54	3.21	2.10
EPS Growth	57.13%	106.56%	-45.66%	10.24%	52.90%	-19.49%
Dividend Per Share	1.190	1.160	1.100	1.020	0.920	0.804
Dividend Growth	-	5.46%	7.84%	10.87%	14.36%	-25.00%
Effective Tax Rate	15.38%	15.65%	11.58%	16.49%	16.21%	13.98%

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