The Hyakugo Bank, Ltd. (TYO:8368)

The Hyakugo Bank Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest Income on Loans	51,891	47,856	39,722	33,499	33,000	35,407
Interest Income on Investments	27,641	25,757	19,759	20,668	17,593	19,409
Total Interest Income	79,532	73,613	59,481	54,167	50,593	54,816
Interest Paid on Deposits	4,412	432	294	353	612	954
Interest Paid on Borrowings	8,901	8,901	6,085	2,028	2,706	5,322
Total Interest Expense	13,313	9,333	6,379	2,381	3,318	6,276
Net Interest Income	66,219	64,280	53,102	51,786	47,275	48,540
Net Interest Income Growth (YoY)	8.84%	21.05%	2.54%	9.54%	-2.61%	-0.32%
Gain (Loss) on Sale of Assets	-264	-122	-196	-311	-102	-183
Gain (Loss) on Sale of Investments	3,021	7,016	5,546	5,441	6,460	-1,312
Other Non-Interest Income	41,134	38,352	37,139	38,116	34,737	34,588
Total Non-Interest Income	43,891	45,246	42,489	43,246	41,095	33,093
Non-Interest Income Growth (YoY)	3.20%	6.49%	-1.75%	5.23%	24.18%	7.48%
Revenues Before Loan Losses	110,110	109,526	95,591	95,032	88,370	81,633
Provision for Loan Losses	5,130	6,383	3,716	4,132	4,900	2,238
Revenue	104,980	103,143	91,875	90,900	83,470	79,395
Revenue Growth (YoY)	3.42%	12.26%	1.07%	8.90%	5.13%	0.34%
Selling, General & Administrative	41,978	42,849	41,268	42,769	44,607	44,422
Other Non-Interest Expense	39,406	40,362	30,010	29,020	20,424	21,655
Total Non-Interest Expense	81,384	83,211	71,278	71,789	65,031	66,077
EBT Excluding Unusual Items	23,596	19,932	20,597	19,111	18,439	13,318
Asset Writedown	-38	-50	-139	-202	-172	-9
Other Unusual Items	-	-1	-1	-1	-2	2,356
Pretax Income	23,558	19,881	20,457	18,908	18,265	15,665
Income Tax Expense	6,636	5,600	5,964	5,506	5,300	4,238
Earnings From Continuing Operations	16,922	14,281	14,493	13,402	12,965	11,427
Net Income	16,922	14,281	14,493	13,402	12,965	11,427
Net Income to Common	16,922	14,281	14,493	13,402	12,965	11,427
Net Income Growth	6.14%	-1.46%	8.14%	3.37%	13.46%	5.39%
Basic Shares Outstanding	249	253	254	254	254	254
Diluted Shares Outstanding	249	253	254	254	254	254
Shares Change (YoY)	-1.84%	-0.22%	-0.04%	-0.11%	0.02%	0.03%
EPS (Basic)	67.99	56.45	57.15	52.82	51.05	45.02
EPS (Diluted)	67.90	56.37	57.08	52.76	50.98	44.95
EPS Growth	8.15%	-1.24%	8.19%	3.49%	13.41%	5.37%
Dividend Per Share	7.000	14.000	13.000	11.000	10.000	9.000
Dividend Growth	-65.00%	7.69%	18.18%	10.00%	11.11%	5.88%
Effective Tax Rate	28.17%	28.17%	29.15%	29.12%	29.02%	27.05%

Source: S&P Capital IQ. Banks template. Financial Sources.