Financial insights of JMSB

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest and fees on loans	102,651
Interest on investment securities, taxable	4,198
Interest on investment securities, tax-exempt	36
Dividends	484
Interest on deposits in banks	5,888
Total interest and dividend income	113,257
Deposits	49,027
Federal funds purchased	2
Federal home loan bank advances	2,268
Subordinated debt	1,396
Total interest expense	52,693
Net interest income	60,564
Provision for (recovery of) credit losses	1,688
Net interest income after provision for (recovery of) credit losses	58,876
Service charges on deposit accounts	336
Other service charges and fees	571
Insurance commissions	328
Gain on sale of government guaranteed loans	322
Non-qualified deferred compensation plan asset gains, net	402
Other income	115
Total non-interest income	2,074
Salaries and employee benefits	20,729
Occupancy expense of premises	1,544
Furniture and equipment expenses	1,285
Other operating expenses	10,009
Total non-interest expenses	33,567
Income before income taxes	27,383
Income tax expense	6,150
Net income	21,233

Basic EPS	1.49
Diluted EPS	1.49
Basic Average Shares	14,189,522
Diluted Average Shares	14,194,603