The Tochigi Bank, Ltd. (TYO:8550)

The Tochigi 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	27,930	22,746	20,944	20,426	20,450	20,929
Interest Income on Investments	4,108	4,343	7,540	8,730	5,156	5,453
Total Interest Income	32,038	27,089	28,484	29,156	25,606	26,382
Interest Paid on Deposits	5,135	1,873	75	117	212	381
Interest Paid on Borrowings	386	551	40	31	27	29
Total Interest Expense	5,521	2,424	115	148	239	410
Net Interest Income	26,517	24,665	28,369	29,008	25,367	25,972
Net Interest Income Growth (YoY)	4.32%	-13.06%	-2.20%	14.35%	-2.33%	-0.46%
Gain (Loss) on Sale of Assets	246	49	-70	-22	7	53
Gain (Loss) on Sale of Investments	-	-33,866	-412	166	651	-49
Other Non-Interest Income	15,740	16,470	14,805	14,805	14,673	13,677
Total Non-Interest Income	15,986	-17,347	14,323	14,949	15,331	13,681
Non-Interest Income Growth (YoY)	-15.31%	-	-4.19%	-2.49%	12.06%	-3.19%
Revenues Before Loan Losses	42,503	7,318	42,692	43,957	40,698	39,653
Provision for Loan Losses	-558	1,283	3,419	2,378	1,956	3,316
Revenue	43,061	6,035	39,273	41,579	38,742	36,337
Revenue Growth (YoY)	-0.34%	-84.63%	-5.55%	7.32%	6.62%	-0.50%
Selling, General & Administrative	23,698	22,670	23,861	23,168	24,038	25,041
Other Non-Interest Expense	39,711	6,956	11,249	13,373	9,122	6,720
Total Non-Interest Expense	63,409	29,626	35,110	36,541	33,160	31,761
EBT Excluding Unusual Items	-20,348	-23,591	4,163	5,038	5,582	4,576
Asset Writedown	8	-	-803	-831	-1,135	-305
Other Unusual Items	-2	-2	-4	-33	-1	2
Pretax Income	-20,342	-23,593	3,356	4,174	4,446	4,273
Income Tax Expense	-1,396	-1,322	1,142	1,422	589	1,814
Earnings From Continuing Operations	-18,946	-22,271	2,214	2,752	3,857	2,459
Minority Interest in Earnings	-109	-57	-113	-100	-229	-378
Net Income	-19,055	-22,328	2,101	2,652	3,628	2,081
Net Income to Common	-19,055	-22,328	2,101	2,652	3,628	2,081
Net Income Growth	-	-	-20.78%	-26.90%	74.34%	14.21%
Basic Shares Outstanding	104	104	104	104	104	104
Diluted Shares Outstanding	104	104	104	104	105	105
Shares Change (YoY)	0.25%	0.07%	-0.31%	-1.08%	0.15%	0.16%
EPS (Basic)	-183.44	-215.45	20.29	25.58	34.74	19.94
EPS (Diluted)	-183.44	-215.45	20.29	25.53	34.55	19.85
EPS Growth	-	-	-20.53%	-26.11%	74.06%	14.02%
Dividend Per Share	15.500	7.000	6.000	6.000	5.500	5.000
Dividend Growth	138.46%	16.67%	-	9.09%	10.00%	-
Effective Tax Rate	-	-	34.03%	34.07%	13.25%	42.45%

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