JSB Financial Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	26.94	9.25	4.28	15.95	12.56
Investment Securities	106.96	118.72	128.45	148.31	112
Total Investments	106.96	118.72	128.45	148.31	112
Gross Loans	383.04	352.46	308.4	248.71	243.7
Allowance for Loan Losses	-4.11	-3.8	-3.46	-2.83	-2.78
Other Adjustments to Gross Loans	-0.76	-0.75	-0.69	-1.07	-1.05
Net Loans	378.18	347.91	304.24	244.81	239.87
Property, Plant & Equipment	4.76	4.94	5.16	5.2	5.49
Accrued Interest Receivable	1.51	1.39	1.27	1.1	1.1
Long-Term Deferred Tax Assets	4.29	5.09	5.6	1.08	0.72
Other Real Estate Owned & Foreclosed	-	-	-	-	0.35
Other Long-Term Assets	14.27	13.34	12.23	10.34	8.63
Total Assets	536.91	500.64	461.23	426.78	380.71
Accrued Expenses	3.58	3.08	2.5	3.08	2.9
Interest Bearing Deposits	354.67	297.97	279.34	268.72	236.84
Institutional Deposits	21.83	15.44	4.65	7.12	6.26
Non-Interest Bearing Deposits	118.17	112.65	130.78	114.84	103.3
Total Deposits	494.67	426.06	414.76	390.68	346.4
Short-Term Borrowings	-	28	0.01	-	0.34
Accrued Interest Payable	0.68	0.42	0.06	0.07	0.07
Federal Home Loan Bank Debt, Long-Term	7.94	18.12	21.39	-	-
Total Liabilities	506.87	475.69	438.72	393.83	349.71
Common Stock	2.57	2.57	2.76	2.76	2.79
Additional Paid-In Capital	2.57	2.57	2.76	2.76	2.79
Retained Earnings	37.41	33.92	32.98	29.73	26.95
Comprehensive Income & Other	-12.52	-14.11	-15.99	-2.29	-1.53
Shareholders' Equity	30.04	24.96	22.51	32.96	31
Total Liabilities & Equity	536.91	500.64	461.23	426.78	380.71
Total Debt	7.94	46.12	21.4	-	0.34
Net Cash (Debt)	19	-36.87	-17.11	15.95	12.22
Net Cash Growth	-	-	-	30.52%	-
Net Cash Per Share	73.81	-135.34	-62.07	57.70	43.77
Filing Date Shares Outstanding	0.26	0.26	0.28	0.28	0.28
Total Common Shares Outstanding	0.26	0.26	0.28	0.28	0.28
Book Value Per Share	116.68	96.93	81.64	119.52	111.02
Tangible Book Value	30.04	24.96	22.51	32.96	31
Tangible Book Value Per Share	116.68	96.93	81.64	119.52	111.02

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