JSB Financial Balance Sheet

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
Cash & Equivalents	30.91	26.94	9.25	4.28	15.95
Investment Securities	104.25	106.96	118.72	128.45	148.31
Total Investments	104.25	106.96	118.72	128.45	148.31
Gross Loans	407.07	383.04	352.46	308.4	248.71
Allowance for Loan Losses	-4.4	-4.11	-3.8	-3.46	-2.83
Other Adjustments to Gross Loans	-0.88	-0.76	-0.75	-0.69	-1.07
Net Loans	401.79	378.18	347.91	304.24	244.81
Property, Plant & Equipment	4.57	4.76	4.94	5.16	5.2
Accrued Interest Receivable	1.56	1.51	1.39	1.27	1.1
Long-Term Deferred Tax Assets	3.31	4.29	5.09	5.6	1.08
Other Long-Term Assets	15.43	13.68	13.34	12.23	10.34
Total Assets	562.18	536.91	500.64	461.23	426.78
Accrued Expenses	3.86	3.58	3.08	2.5	3.08
Interest Bearing Deposits	359.83	354.67	297.97	279.34	268.72
Institutional Deposits	28.3	21.83	15.44	4.65	7.12
Non-Interest Bearing Deposits	130.78	118.17	112.65	130.78	114.84
Total Deposits	518.91	494.67	426.06	414.76	390.68
Short-Term Borrowings	-	-	28	0.01	-
Accrued Interest Payable	0.58	0.68	0.42	0.06	0.07
Federal Home Loan Bank Debt, Long-Term	2.08	7.94	18.12	21.39	-
Total Liabilities	525.42	506.87	475.69	438.72	393.83
Common Stock	2.57	2.57	2.57	2.76	2.76
Additional Paid-In Capital	2.57	2.57	2.57	2.76	2.76
Retained Earnings	40.9	37.41	33.92	32.98	29.73
Comprehensive Income & Other	-9.3	-12.52	-14.11	-15.99	-2.29
Shareholders' Equity	36.76	30.04	24.96	22.51	32.96
Total Liabilities & Equity	562.18	536.91	500.64	461.23	426.78
Total Debt	2.08	7.94	46.12	21.4	-
Net Cash (Debt)	28.83	19	-36.87	-17.11	15.95
Net Cash Growth	51.68%	-	-	-	30.52%
Net Cash Per Share	111.95	73.81	-135.34	-62.07	57.70
Filing Date Shares Outstanding	0.26	0.26	0.26	0.28	0.28
Total Common Shares Outstanding	0.26	0.26	0.26	0.28	0.28
Book Value Per Share	142.76	116.68	96.93	81.64	119.52
Tangible Book Value	36.76	30.04	24.96	22.51	32.96
Tangible Book Value Per Share	142.76	116.68	96.93	81.64	119.52