The Tottori Bank, Ltd. (TYO:8383)

The Tottori 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	Dec 31, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	11,048	9,656	9,203	9,058	8,994	9,068
Interest Income on Investments	1,656	1,417	1,327	1,006	738	636
Total Interest Income	12,704	11,073	10,530	10,064	9,732	9,704
Interest Paid on Deposits	1,908	754	176	204	288	318
Interest Paid on Borrowings	25	25	22	22	20	-
Total Interest Expense	1,933	779	198	226	308	318
Net Interest Income	10,771	10,294	10,332	9,838	9,424	9,386
Net Interest Income Growth (YoY)	5.19%	-0.37%	5.02%	4.39%	0.40%	-0.93%
Gain (Loss) on Sale of Assets	15	15	5	-10	20	-1
Gain (Loss) on Sale of Investments	-73	-73	-24	-68	-1,260	-32
Other Non-Interest Income	4,927	5,251	4,116	3,848	3,569	3,705
Total Non-Interest Income	4,869	5,193	4,097	3,770	2,329	3,672
Non-Interest Income Growth (YoY)	-13.41%	26.75%	8.67%	61.87%	-36.57%	-2.86%
Revenues Before Loan Losses	15,640	15,487	14,429	13,608	11,753	13,058
Provision for Loan Losses	1,406	1,406	1,169	381	472	338
Revenue	14,234	14,081	13,260	13,227	11,281	12,720
Revenue Growth (YoY)	-5.44%	6.19%	0.25%	17.25%	-11.31%	1.65%
Selling, General & Administrative	10,291	10,178	9,891	9,547	9,240	9,469
Other Non-Interest Expense	1,350	1,988	1,752	1,980	1,558	1,636
Total Non-Interest Expense	11,641	12,166	11,643	11,527	10,798	11,105
EBT Excluding Unusual Items	2,593	1,915	1,617	1,700	483	1,615
Asset Writedown	-	-10	-50	-32	-160	-77
Other Unusual Items	-42	-1	-1	-1	895	-1
Pretax Income	2,551	1,904	1,566	1,667	1,218	1,537
Income Tax Expense	785	584	504	609	317	530
Earnings From Continuing Operations	1,766	1,320	1,062	1,058	901	1,007
Minority Interest in Earnings	-7	-7	-6	-14	-10	-11
Net Income	1,759	1,313	1,056	1,044	891	996
Net Income to Common	1,759	1,313	1,056	1,044	891	996
Net Income Growth	36.99%	24.34%	1.15%	17.17%	-10.54%	11.04%
Basic Shares Outstanding	9	9	9	9	9	9
Diluted Shares Outstanding	9	9	9	9	9	9
Shares Change (YoY)	-0.01%	-0.01%	-	-0.01%	-0.01%	-0.01%
EPS (Basic)	187.95	140.29	112.82	111.54	95.18	106.39
EPS (Diluted)	187.95	140.29	112.82	111.54	95.18	106.39
EPS Growth	37.01%	24.35%	1.15%	17.18%	-10.53%	11.05%
Dividend Per Share	50.000	50.000	50.000	50.000	50.000	50.000
Dividend Growth	100.00%	-	-	-	-	-
Effective Tax Rate	30.77%	30.67%	32.18%	36.53%	26.03%	34.48%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.