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Annual Report 2004
 
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Six-Year Summary (Consolidated)
The Hyakugo Bank, Ltd. and Consolidated Subsidiaries Years ended March 31
  Millions of yen
  2004  2003  2002  2001  2000  1999
For the year:
Total income ¥ 91,028   ¥ 85,136   ¥ 89,636   ¥ 112,172   ¥ 98,291   ¥ 109,825  
Total expenses 79,377   79,731   84,474   105,377   93,649   102,095  
Income before income taxes and minority interests     11,650   5,405   5,162   6,794   4,641   7,729  
Net income 6,278   2,321   2,863   3,956   2,658   3,712  
At year-end:
Total assets ¥3,660,126   ¥3,664,538   ¥3,662,386   ¥3,553,174   ¥3,349,334   ¥3,325,832  
Deposits 3,281,148   3,299,015   3,293,349   3,134,168   3,018,784   2,975,937  
Loans and bills discounted 1,984,674   2,021,903   1,999,393   1,944,222   1,909,946   2,018,500  
Investment securities 1,326,236   1,192,271   1,087,417   1,047,005   872,748   790,329  
Total stockholders' equity 203,476   183,049   190,841   204,695   143,719   143,539  
Common stock 20,000   20,000   20,000   20,000   20,000   20,000  
Per share data:
Net income per share (in full yen) ¥ 24.00   ¥ 8.76   ¥ 10.90   ¥ 15.04   ¥ 10.06   ¥ 14.01  
Stockholders' equity per share (in full yen) 781.49   703.23   727.70   778.34   546.49   541.68  
Valuation indicators:
Capital adequacy ratio (%) 9.70   9.37   8.81   8.94   8.98   8.76  
Tier I ratio (%) 7.98   7.75   7.98   8.10   8.08   7.81  
Price/earnings ratio (times) 23.95   52.51   38.80   29.32   45.72   —  
Cash flow:
Net cash provided by operating activities ¥ 35,741   ¥ 50,837   ¥ 250,608   ¥ 97,232   ¥ 158,772   —  
Net cash used in investing activities (151,788 ) (120,530 ) (75,759 ) (87,723 ) (77,150 ) —  
Net cash used in financing activities 728   12,715   (4,647 ) (4,319 ) (2,443 ) —  
Six-Year Summary (Non-Consolidated)
The Hyakugo Bank, Ltd. Years ended March 31
  Millions of yen
  2004  2003  2002  2001  2000  1999
For the year:
Total income ¥ 78,586   ¥ 73,340   ¥ 78,015   ¥ 100,479   ¥ 86,611   ¥ 97,956  
Total expenses 68,202   68,911   73,725   94,412   82,780   90,841  
Income before income taxes 10,384   4,428   4,289   6,067   3,831   7,114  
Net income 6,045   2,124   2,745   3,820   2,516   3,753  
At year-end:
Total assets ¥3,635,774   ¥3,641,486   ¥3,639,822   ¥3,530,322   ¥3,326,648   ¥3,302,326  
Deposits 3,282,781   3,300,143   3,294,503   3,135,768   3,019,969   2,977,062  
Loans and bills discounted 1,990,290   2,027,957   2,005,883   1,950,311   1,915,247   2,023,408  
Investment securities 1,326,576   1,192,709   1,087,785   1,047,268   873,117   790,727  
Total stockholders' equity 202,323   182,144   190,190   204,164   143,334   143,302  
Per share data:
Net income per share (in full yen) ¥ 23.10   ¥ 8.00   ¥ 10.45   ¥ 14.51   ¥ 9.51   ¥ 14.15  
Cash dividends per share (in full yen) 5.00   5.00   5.00   5.00   5.00   6.00  
Stockholders' equity per share (in full yen) 776.75   699.48   724.57   775.62   544.53   540.30  
Valuation indicators:
Capital adequacy ratio (%) 9.57   9.27   8.72   8.88   8.92   8.72  
Tier I ratio (%) 7.83   7.63   7.88   8.03   8.02   7.77  
Return on equity (%) 4.13   1.45   1.89   2.67   1.77   3.03  
Return on assets (%) 0.17   0.06   0.08   0.11   0.07   0.11  
Price/earnings ratio (times) 24.89   57.50   40.47   30.39   48.37   —  
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