JD Bancshares 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	12.96	13.63	6.58	12.1	11.01
Depreciation & Amortization	1.96	2.13	2.22	2.08	2.25
Other Amortization	0.14	0.14	0.14	0.14	0.18
Gain (Loss) on Sale of Assets	0.15	0.04	0.02	0.25	0.43
Gain (Loss) on Sale of Investments	1.89	1.94	9.89	2.81	2.89
Total Asset Writedown	0.18	0.29	0.03	0.05	0.32
Provision for Credit Losses	0.12	-0.68	1.25	0.72	0.33
Accrued Interest Receivable	-0.14	-0.07	0.08	-0.49	0.44
Change in Other Net Operating Assets	-0.45	-2	-0.49	-0.95	1.6
Other Operating Activities	-0.55	-0.63	-0.71	-0.44	-0.46
Operating Cash Flow	14.95	16.69	20.61	15.78	19.04
Operating Cash Flow Growth	-10.47%	-18.99%	30.61%	-17.14%	67.11%
Capital Expenditures	-10.12	-2.06	-1.21	-3.94	-2.4
Sale of Property, Plant and Equipment	-	0.11	-	2.08	0.07
Investment in Securities	17.92	19.36	91.14	-31.02	-154.54
Net Decrease (Increase) in Loans Originated / Sold - Investing	-46.89	-41.67	-14.58	-49.78	5.13
Other Investing Activities	-	-2.75	-	-	0.3
Investing Cash Flow	-38.73	-26.63	75.39	-82.51	-151.12
Short-Term Debt Issued	-	-	0	0	-
Long-Term Debt Issued	525	100	146	-	30
Total Debt Issued	525	100	146	0	30
Short-Term Debt Repaid	-0.09	-0.23	-	-	-0.13
Long-Term Debt Repaid	-575	-100	-96	-17.5	-2.76
Total Debt Repaid	-575.09	-100.23	-96	-17.5	-2.89
Net Debt Issued (Repaid)	-50.09	-0.23	50	-17.5	27.11
Repurchase of Common Stock	-0.22	-0.45	-	-0.75	-
Common Dividends Paid	-4.08	-3.98	-3.69	-3.42	-3.17
Net Increase (Decrease) in Deposit Accounts	91.64	-1.06	-116.06	-57.45	37.89
Other Financing Activities	-	-	-	-0.07	-0.67
Financing Cash Flow	37.25	-5.72	-69.75	-79.18	61.16
Net Cash Flow	13.46	-15.66	26.25	-145.92	-70.92
Free Cash Flow	4.83	14.63	19.4	11.84	16.65
Free Cash Flow Growth	-67.00%	-24.59%	63.91%	-28.90%	72.47%
Free Cash Flow Margin	8.49%	26.30%	41.82%	22.98%	34.41%
Free Cash Flow Per Share	1.41	4.26	5.67	3.46	4.85
Cash Interest Paid	16.11	12.19	6.8	4.53	4.54
Cash Income Tax Paid	2.54	3.24	0.87	2.27	0.44

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