Financial insights of JMSB

MyFinsight

For the quarter ending 2025-09-30, JMSB made $51,977K in revenue. $5,404K in net income. Net profit margin of 10.40%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30
Interest and fees on loans	26,191	25,220
Interest on investment securities, taxable	1,043	1,071
Interest on investment securities, tax-exempt	9	9
Dividends	119	121
Interest on deposits in banks	1,583	1,422
Federal funds purchased	-	2
Total interest and dividend income	28,945	27,843
Deposits	12,424	12,001
Federal home loan bank advances	572	565
Subordinated debt	349	349
Total interest expense	13,345	12,917
Net interest income	15,600	14,926
Provision for (recovery of) credit losses	356	537
Net interest income after provision for (recovery of) credit losses	15,244	14,389
Service charges on deposit accounts	87	86
Other service charges and fees	135	141
Insurance commissions	58	33
Gain on sale of government guaranteed loans	106	61
Non-qualified deferred compensation plan asset gains, net	158	182
Other income	109	4
Total non-interest income	653	507
Salaries and employee benefits	5,693	5,178
Occupancy expense of premises	405	407
Furniture and equipment expenses	329	315
Other operating expenses	2,607	2,413
Total non-interest expenses	9,034	8,313
Income before income taxes	6,863	6,583
Income tax expense	1,459	1,480
Net income	5,404	5,103

Earnings per share, basic	0.38	0.36
Earnings per share, diluted	0.38	0.36
Weighted average number of shares outstanding, basic	14,172,953	14,221,597
Weighted average number of shares outstanding, diluted	14,172,953	14,223,418