株式会社第四銀行及び株式会社北越銀行（以下、総称して「両行」という）は、経営統合検討に関する「基本合意書」を締結。

両行間で「経営統合契約書」を締結。

両行間で「株式移転計画書」を共同で作成。

両行の定時株主総会において、両行が共同で株式移転の方法により当社を設立し、両行がその完全子会社となることについて決議。

当社設立により、両行が当社の完全子会社となる。当社普通株式を東京証券取引所市場第一部に上場。「第一次中期経営計画」スタート。

第四北越キャリアブリッジ株式会社を設立。

第四北越証券株式会社を完全子会社化。

当社の完全子会社である両行が合併し、株式会社第四北越銀行が発足。

「第二次中期経営計画」スタート。

第四北越リース株式会社、第四北越キャピタルパートナーズ株式会社並びに第四北越リサーチ＆コンサルティング株式会社を完全子会社化。

東京証券取引所の市場区分の見直しにより市場第一部からプライム市場へ移行。

第四ジェーシービーカード株式会社、第四ディーシーカード株式会社、北越カード株式会社並びに第四コンピューターサービス株式会社を完全子会社化。

株式会社第四北越ＩＴソリューションズ並びに株式会社ブリッジにいがたを連結子会社化。

第四コンピューターサービス株式会社を清算。

	Mar 31, 2019	Mar 31, 2020	Mar 31, 2021	Mar 31, 2022	Mar 31, 2023	Mar 31, 2024
Ordinary income	118,007	154,698	143,132	135,711	148,759	182,058
Interest income	58,956	67,938	63,636	62,684	80,060	99,006
Interest on loans and discounts	38,713	47,170	46,061	45,612	47,053	49,460
Interest and dividends on securities	19,669	20,134	16,956	16,008	28,861	39,065
Interest on call loans and bills bought	4	8	-118	-69	-78	-15
Interest on deposits with banks	226	237	383	762	2,524	1,466
Other interest income	349	400	353	369	1,698	9,030
Trust fees	-	1	1	53	117	146
Fees and commissions	24,535	28,292	27,968	28,715	30,492	36,033
Other ordinary income	25,385	40,271	33,819	34,066	32,902	37,910
Other income	9,130	18,194	17,706	10,190	5,185	8,961
Recoveries of written off receivables	451	452	996	501	482	752
Other	8,678	17,741	16,710	9,689	4,703	8,209
Dividends from subsidiaries and associates	-	-	-	-	7,399	7,433
Commissions from subsidiaries and associates	-	-	-	-	920	1,036
Other	-	-	-	-	-	-
Operating revenue	-	-	-	-	8,320	8,469
Ordinary expenses	101,301	135,288	125,631	112,166	123,710	151,190
Interest expenses	6,454	5,939	3,120	2,287	12,140	34,738
Interest on deposits	946	1,002	738	458	435	560
Interest on negotiable certificates of deposit	35	36	17	10	12	11
Interest on call money and bills sold	38	55	11	-	-	-6
Interest expenses on securities sold under repurchase agreements	686	391	115	112	2,859	9,650
Interest expenses on cash collateral received for securities lent	2,617	1,921	378	174	5,889	16,683
Interest on borrowings and rediscounts	151	113	60	33	37	27
Other interest expenses	1,979	2,417	1,798	1,497	2,905	7,812
Fees and commissions payments	6,752	8,654	8,055	7,703	7,788	10,772
Other ordinary expenses	21,214	33,478	29,332	24,179	32,404	30,395
General and administrative expenses	57,301	69,863	71,960	65,070	62,556	63,338
Other expenses	9,578	17,352	13,163	12,924	8,820	11,943
Provision of allowance for loan losses	2,867	4,856	2,823	3,610	2,693	3,274
Other	6,711	12,496	10,339	9,314	6,126	8,669
Selling, general and administrative expenses	-	-	-	-	874	978
Operating expenses	-	-	-	-	874	978
Ordinary profit (loss)	16,706	19,410	17,500	23,545	25,048	30,868
Operating profit (loss)	-	-	-	-	7,445	7,490
Extraordinary income	47,208	240	1,039	418	1,046	1,512
Gain on disposal of non-current assets	-	240	-	-	1,046	60
Gain on step acquisitions	-	-	-	-	-	109
Gain on bargain purchase	47,207	-	-	-	-	1,343
Guarantee commission income	-	-	-	-	-	20
Miscellaneous income	-	-	-	-	1	1
Non-operating income	-	-	-	-	1	22
Extraordinary losses	2,472	108	818	622	1,144	2,622
Loss on disposal of non-current assets	131	74	293	119	395	362
Impairment losses	2,248	33	521	74	749	1,039
Provision of reserve for financial instruments transaction liabilities	-	-	4	1	-	7
Retirement benefit expenses	-	-	-	-	-	187
Provision for demolition of non-current assets	-	-	-	-	-	1,026
Provision for loss on guarantees	-	-	-	-	-	2
Miscellaneous losses	-	-	-	-	2	3
Non-operating expenses	-	-	-	-	2	6
Profit (loss) before income taxes	61,441	19,542	17,721	23,342	24,949	29,758
Ordinary profit (loss)	16,706	19,410	17,500	23,545	25,048	30,868
Income taxes - current	6,988	6,988	5,951	8,281	6,699	9,198
Gain on liquidation of subsidiaries	-	-	-	-	-	463
Extraordinary income	47,208	240	1,039	418	1,046	1,512
Gain on disposal of non-current assets	-	240	-	-	1,046	60
Gain on step acquisitions	-	-	-	-	-	109
Gain on bargain purchase	47,207	-	-	-	-	1,343
Income taxes - deferred	-3,121	-992	327	-469	366	-644
Profit (loss) before income taxes	61,441	19,542	17,721	23,342	24,949	29,758
Income taxes	3,867	5,996	6,279	7,811	7,066	8,553
Income taxes - current	6,988	6,988	5,951	8,281	6,699	9,198
Profit (loss)	57,574	13,546	11,441	15,530	17,883	21,204
Income taxes - deferred	-3,121	-992	327	-469	366	-644
Profit (loss) attributable to non-controlling interests	729	670	646	385	115	1
Income taxes	3,867	5,996	6,279	7,811	7,066	8,553
Profit (loss) attributable to owners of parent	56,844	12,875	10,795	15,144	17,768	21,203
Profit (loss)	57,574	13,546	11,441	15,530	17,883	21,204

Daishi Hokuetsu Financial Group,Inc.JP:7327