JD Bancshares Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	52.22	50.5	46.47	40.03	34.24	32.78
Interest Income on Investments	9.99	9.81	11.2	12.31	10.23	7.55
Total Interest Income	62.21	60.31	57.67	52.34	44.47	40.34
Interest Paid on Deposits	12.93	12.39	10.16	5.79	2.65	3.04
Interest Paid on Borrowings	1.74	2.12	3.69	2.44	1.31	1.49
Total Interest Expense	14.67	14.51	13.85	8.22	3.96	4.53
Net Interest Income	47.53	45.79	43.82	44.12	40.51	35.8
Net Interest Income Growth	6.98%	4.50%	-0.67%	8.90%	13.15%	5.21%
Trust Income	0.65	0.65	0.61	0.56	0.67	0.59
Gain (Loss) on Sale of Investments	-	-	-	-7.84	-	0.01
Other Non-Interest Income	1.89	1.8	1.55	1.5	1.05	1.98
Total Non-Interest Income	11.56	11.22	11.14	3.53	11.71	12.91
Non-Interest Income Growth	5.02%	0.70%	215.80%	-69.87%	-9.27%	22.46%
Revenues Before Loan Losses	59.09	57.01	54.96	47.65	52.22	48.71
Provision for Loan Losses	0.12	0.12	-0.68	1.25	0.72	0.33
Revenue	58.97	56.89	55.64	46.39	51.5	48.38
Revenue Growth	6.75%	2.25%	19.93%	-9.92%	6.45%	15.62%
Salaries and Employee Benefits	22.92	22.24	21.1	20.1	18.86	17.95
Selling, General & Administrative	12.12	11.47	11.06	11.92	10.79	10.34
Other Non-Interest Expense	7.51	7.34	7.31	6.94	7.37	6.94
Total Non-Interest Expense	42.55	41.05	39.48	38.95	37.02	35.24
EBT Excluding Unusual Items	16.43	15.84	16.16	7.44	14.48	13.15
Pretax Income	16.43	15.84	16.16	7.44	14.48	13.15
Income Tax Expense	3.02	2.88	2.53	0.86	2.39	2.13
Net Income	13.4	12.96	13.63	6.58	12.1	11.01
Net Income to Common	13.4	12.96	13.63	6.58	12.1	11.01
Net Income Growth	4.70%	-4.93%	107.16%	-45.59%	9.81%	52.91%
Basic Shares Outstanding	3	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3	3
Shares Change	0.05%	-0.00%	0.30%	0.11%	-0.39%	0.01%
EPS (Basic)	3.91	3.78	3.97	1.92	3.54	3.21
EPS (Diluted)	3.91	3.78	3.97	1.92	3.54	3.21
EPS Growth	4.64%	-4.93%	106.53%	-45.66%	10.24%	52.90%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	0.900	1.200	1.160	1.100	1.020	0.920
Dividend Growth	2.27%	3.45%	5.46%	7.84%	10.87%	14.36%
Effective Tax Rate	18.39%	18.19%	15.65%	11.58%	16.49%	16.21%