The Hokuto Bank, Ltd.【JP:E03547】

Market cap

P/E ratio

	Mar 31, 2013	Mar 31, 2014	Mar 31, 2015
Ordinary income	23,447	23,992	23,934
Interest income	16,084	16,088	16,610
Interest on loans and discounts	12,751	12,306	12,018
Interest and dividends on securities	3,306	3,735	4,580
Interest on call loans and bills bought	13	27	3
Interest on deposits with banks	3	12	6
Other interest income	8	6	1
Fees and commissions	4,007	4,424	4,407
Other ordinary income	1,769	1,788	1,338
Other income	1,585	1,690	1,577
Recoveries of written off claims	245	87	165
Other	693	556	642
Ordinary expenses	21,410	19,232	18,995
Interest expenses	992	1,000	1,037
Interest on deposits	882	861	838
Interest on negotiable certificates of deposit	44	54	54
Interest on call money and bills sold	3	-	4
Interest on payables under securities lending transactions	-	-	28
Interest on borrowings and rediscounts	60	82	111
Other interest expenses	-	-	-
Fees and commissions payments	1,245	1,304	1,341
Other ordinary expenses	2,980	1,081	400
General and administrative expenses	14,320	14,398	14,898
Other expenses	1,870	1,447	1,317
Provision of allowance for loan losses	376	880	929
Other	552	444	349
Ordinary income (loss)	2,036	4,760	4,939
Extraordinary income	7	4	59
Gain on disposal of non-current assets	7	4	1
Extraordinary losses	72	60	92
Loss on disposal of non-current assets	37	16	24
Impairment loss	34	44	68
Income (loss) before income taxes	1,971	4,704	4,905
Income taxes - current	309	206	58
Income taxes - deferred	455	1,621	820
Income taxes	765	1,827	878
Income (loss) before minority interests	1,173	2,850	3,967
Minority interests in income (loss)	-	-	-
Net income (loss)	1,205	2,876	4,027