The Shikoku Bank, Ltd. (TYO:8387)

The Shikoku 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	24,873	23,902	20,405	18,994	19,347	19,641
Interest Income on Investments	13,864	10,221	10,323	11,436	8,763	8,870
Total Interest Income	38,737	34,123	30,728	30,430	28,110	28,511
Interest Paid on Deposits	1,561	710	370	253	337	527
Interest Paid on Borrowings	1,623	572	1,420	837	1,078	2,160
Total Interest Expense	3,184	1,282	1,790	1,090	1,415	2,687
Net Interest Income	35,553	32,841	28,938	29,340	26,695	25,824
Net Interest Income Growth (YoY)	13.52%	13.49%	-1.37%	9.91%	3.37%	-11.35%
Gain (Loss) on Sale of Assets	63	33	55	35	86	-24
Gain (Loss) on Sale of Investments	3,109	3,109	4,802	425	2,386	-2,114
Other Non-Interest Income	9,799	15,145	25,092	11,733	10,422	12,055
Total Non-Interest Income	12,971	18,287	29,949	12,193	12,894	9,917
Non-Interest Income Growth (YoY)	-45.91%	-38.94%	145.63%	-5.44%	30.02%	-17.52%
Revenues Before Loan Losses	48,524	51,128	58,887	41,533	39,589	35,741
Provision for Loan Losses	567	462	652	1,706	1,295	4,609
Revenue	47,957	50,666	58,235	39,827	38,294	31,132
Revenue Growth (YoY)	-12.18%	-13.00%	46.22%	4.00%	23.00%	-22.16%
Selling, General & Administrative	23,528	23,025	22,353	22,884	24,066	24,039
Other Non-Interest Expense	13,740	18,290	27,925	5,962	4,662	4,020
Total Non-Interest Expense	37,268	41,315	50,278	28,846	28,728	28,059
EBT Excluding Unusual Items	10,689	9,351	7,957	10,981	9,566	3,073
Asset Writedown	-63	-63	-66	-456	-227	-599
Other Unusual Items	-1	-1	-1	-	-1	-
Pretax Income	10,625	9,287	7,890	10,525	9,338	2,474
Income Tax Expense	3,272	1,999	2,339	2,577	2,695	-626
Earnings From Continuing Operations	7,353	7,288	5,551	7,948	6,643	3,100
Minority Interest in Earnings	-5	-3	-2	-3	-2	-4
Net Income	7,348	7,285	5,549	7,945	6,641	3,096
Net Income to Common	7,348	7,285	5,549	7,945	6,641	3,096
Net Income Growth	8.41%	31.29%	-30.16%	19.64%	114.50%	-50.23%
Basic Shares Outstanding	42	42	42	42	42	42
Diluted Shares Outstanding	42	42	42	42	42	43
Shares Change (YoY)	0.04%	0.10%	0.10%	-1.85%	-0.27%	-0.53%
EPS (Basic)	176.14	174.75	133.27	191.07	156.78	72.92
EPS (Diluted)	176.01	174.59	133.11	190.78	156.53	72.77
EPS Growth	8.34%	31.16%	-30.23%	21.88%	115.10%	-49.97%
Dividend Per Share	47.500	40.000	35.000	40.000	30.000	30.000
Dividend Growth	35.71%	14.29%	-12.50%	33.33%	-	-
Effective Tax Rate	-	21.52%	29.64%	24.48%	28.86%	-

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