JD Bancshares Income 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
Interest Income on Loans	50.47	46.47	40.03	34.24	32.78
Interest Income on Investments	9.81	11.2	12.31	10.23	7.55
Total Interest Income	60.27	57.67	52.34	44.47	40.34
Interest Paid on Deposits	12.39	10.16	5.79	2.65	3.04
Interest Paid on Borrowings	2.12	3.69	2.44	1.31	1.49
Total Interest Expense	14.51	13.85	8.22	3.96	4.53
Net Interest Income	45.76	43.82	44.12	40.51	35.8
Net Interest Income Growth (YoY)	4.42%	-0.67%	8.90%	13.15%	5.21%
Trust Income	-	0.61	0.56	0.67	0.59
Gain (Loss) on Sale of Investments	-	-	-7.84	-	0.01
Other Non-Interest Income	2.39	1.55	1.5	1.05	1.98
Total Non-Interest Income	11.16	11.14	3.53	11.71	12.91
Non-Interest Income Growth (YoY)	0.12%	215.80%	-69.87%	-9.27%	22.46%
Revenues Before Loan Losses	56.92	54.96	47.65	52.22	48.71
Provision for Loan Losses	0.12	-0.68	1.25	0.72	0.33
Revenue	56.79	55.64	46.39	51.5	48.38
Revenue Growth (YoY)	2.07%	19.93%	-9.92%	6.45%	15.62%
Salaries and Employee Benefits	22.79	21.1	20.1	18.86	17.95
Selling, General & Administrative	11.75	11.06	11.92	10.79	10.34
Other Non-Interest Expense	6.51	7.31	6.94	7.37	6.94
Total Non-Interest Expense	41.05	39.48	38.95	37.02	35.24
EBT Excluding Unusual Items	15.74	16.16	7.44	14.48	13.15
Pretax Income	15.74	16.16	7.44	14.48	13.15
Income Tax Expense	2.88	2.53	0.86	2.39	2.13
Net Income	12.86	13.63	6.58	12.1	11.01
Net Income to Common	12.86	13.63	6.58	12.1	11.01
Net Income Growth	-5.65%	107.16%	-45.59%	9.81%	52.91%
Basic Shares Outstanding	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3
Shares Change (YoY)	0.02%	0.29%	0.11%	-0.39%	0.01%
EPS (Basic)	3.75	3.97	1.92	3.54	3.21
EPS (Diluted)	3.75	3.97	1.92	3.54	3.21
EPS Growth	-5.67%	106.56%	-45.66%	10.24%	52.90%
Dividend Per Share	1.200	1.160	1.100	1.020	0.920
Dividend Growth	3.45%	5.46%	7.84%	10.87%	14.36%
Effective Tax Rate	18.30%	15.65%	11.58%	16.49%	16.21%

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