North Pacific Bank,Ltd. (TYO:8524)

North Pacific Bank,Ltd. 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	62,833	58,020	57,420	57,586	58,133	57,928
Interest Income on Investments	17,892	13,539	11,980	11,124	8,564	9,771
Total Interest Income	80,725	71,559	69,400	68,710	66,697	67,699
Interest Paid on Deposits	3,648	188	137	145	249	390
Interest Paid on Borrowings	1,361	887	1,478	740	1,663	1,704
Total Interest Expense	5,009	1,075	1,615	885	1,912	2,094
Net Interest Income	75,716	70,484	67,785	67,825	64,785	65,605
Net Interest Income Growth (YoY)	10.12%	3.98%	-0.06%	4.69%	-1.25%	-3.25%
Gain (Loss) on Sale of Assets	-215	-235	-201	-385	-231	1,545
Gain (Loss) on Sale of Investments	5,393	5,393	2,491	-2,151	5,938	-9,243
Other Non-Interest Income	58,425	56,146	54,145	54,676	62,960	68,932
Total Non-Interest Income	63,603	61,304	56,435	52,140	68,667	61,234
Non-Interest Income Growth (YoY)	10.52%	8.63%	8.24%	-24.07%	12.14%	-8.81%
Revenues Before Loan Losses	139,319	131,788	124,220	119,965	133,452	126,839
Provision for Loan Losses	5,255	5,255	5,266	2,820	7,674	2,263
Revenue	134,064	126,533	118,954	117,145	125,778	124,576
Revenue Growth (YoY)	11.85%	6.37%	1.54%	-6.86%	0.97%	-6.95%
Selling, General & Administrative	67,865	67,063	67,398	64,038	68,345	70,109
Other Non-Interest Expense	43,251	41,100	34,445	34,247	41,898	40,197
Total Non-Interest Expense	111,116	108,163	101,843	98,285	110,243	110,306
EBT Excluding Unusual Items	22,948	18,370	17,111	18,860	15,535	14,270
Asset Writedown	-260	-81	-302	-644	-828	-618
Other Unusual Items	-1	-1	-999	24	-	-1
Pretax Income	22,687	18,288	15,810	18,240	14,707	13,651
Income Tax Expense	7,269	5,417	6,566	6,319	4,963	5,963
Earnings From Continuing Operations	15,418	12,871	9,244	11,921	9,744	7,688
Minority Interest in Earnings	-23	-41	403	-165	-322	-124
Net Income	15,395	12,830	9,647	11,756	9,422	7,564
Net Income to Common	15,395	12,830	9,647	11,756	9,422	7,564
Net Income Growth	71.82%	33.00%	-17.94%	24.77%	24.56%	-46.51%
Basic Shares Outstanding	383	385	385	389	389	390
Diluted Shares Outstanding	383	385	385	389	389	390
Shares Change (YoY)	-0.61%	-0.13%	-0.81%	-0.06%	-0.35%	-1.27%
EPS (Basic)	40.16	33.33	25.03	30.26	24.25	19.40
EPS (Diluted)	40.15	33.32	25.02	30.25	24.23	19.38
EPS Growth	72.62%	33.17%	-17.29%	24.84%	25.03%	-45.84%
Dividend Per Share	11.500	10.000	10.000	10.000	10.000	10.000
Dividend Growth	15.00%	-	-	-	-	-
Effective Tax Rate	-	29.62%	41.53%	34.64%	33.75%	43.68%

Updated Feb 10, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.