The Yamagata Bank, Ltd. (TYO:8344)

The Yamagata Bank Income Statement

Financials in millions JPY. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	23,678	20,680	18,956	17,173	16,139	16,822
Interest Income on Investments	11,501	10,364	14,488	14,319	11,425	7,622
Total Interest Income	35,179	31,044	33,444	31,492	27,564	24,444
Interest Paid on Deposits	5,356	3,495	2,544	2,124	447	508
Interest Paid on Borrowings	1,627	1,627	2,847	1,594	747	842
Total Interest Expense	6,983	5,122	5,391	3,718	1,194	1,350
Net Interest Income	28,196	25,922	28,053	27,774	26,370	23,094
Net Interest Income Growth (YoY)	4.49%	-7.60%	1.00%	5.32%	14.19%	0.54%
Gain (Loss) on Sale of Assets	-42	-54	-304	-442	40	-34
Gain (Loss) on Sale of Investments	4,782	5,157	5,258	-113	-147	1,201
Other Non-Interest Income	16,713	15,871	16,129	18,355	15,339	15,142
Total Non-Interest Income	21,453	20,974	21,083	17,800	15,232	16,309
Non-Interest Income Growth (YoY)	-3.86%	-0.52%	18.44%	16.86%	-6.60%	-9.54%
Revenues Before Loan Losses	49,649	46,896	49,136	45,574	41,602	39,403
Provision for Loan Losses	421	647	148	-	970	765
Revenue	49,228	46,249	48,988	45,574	40,632	38,638
Revenue Growth (YoY)	0.86%	-5.59%	7.49%	12.16%	5.16%	-1.59%
Selling, General & Administrative	21,200	20,655	20,555	20,785	21,949	22,437
Other Non-Interest Expense	20,546	19,144	24,976	19,695	13,154	11,398
Total Non-Interest Expense	41,746	39,799	45,531	40,480	35,103	33,835
EBT Excluding Unusual Items	7,482	6,450	3,457	5,094	5,529	4,803
Asset Writedown	-67	-67	-24	-98	-162	-540
Other Unusual Items	-	-	-1	-1	-	-
Pretax Income	7,415	6,383	3,432	4,995	5,367	4,263
Income Tax Expense	2,367	1,959	1,350	1,555	1,964	1,407
Earnings From Continuing Operations	5,048	4,424	2,082	3,440	3,403	2,856
Minority Interest in Earnings	-11	-12	-2	-5	-5	-4
Net Income	5,037	4,412	2,080	3,435	3,398	2,852
Net Income to Common	5,037	4,412	2,080	3,435	3,398	2,852
Net Income Growth	93.58%	112.12%	-39.45%	1.09%	19.14%	12.42%
Basic Shares Outstanding	32	32	32	32	32	33
Diluted Shares Outstanding	32	32	32	32	32	33
Shares Change (YoY)	-0.94%	-0.18%	0.01%	-1.28%	-0.61%	0.03%
EPS (Basic)	158.95	138.16	65.02	107.38	104.86	87.47
EPS (Diluted)	158.95	138.16	65.02	107.38	104.86	87.47
EPS Growth	95.42%	112.49%	-39.45%	2.40%	19.88%	12.38%
Dividend Per Share	55.500	45.000	35.000	35.000	35.000	30.000
Dividend Growth	58.57%	28.57%	-	-	16.67%	-
Effective Tax Rate	31.92%	30.69%	39.34%	31.13%	36.59%	33.01%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.