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Six-Year Summary (Consolidated)
The Hyakugo Bank, Ltd. and Consolidated Subsidiaries Years ended March 31
  Millions of yen
  2005  2004  2003  2002  2001  2000 
For the year:
Total income ¥ 89,136   ¥ 91,028   ¥ 85,136   ¥ 89,636   ¥ 112,172   ¥ 98,291  
Total expenses 73,496   79,377   79,731   84,474   105,377   93,649  
Income before income taxes and minority interests     15,640   11,650   5,405   5,162   6,794   4,641  
Net income 7,297   6,278   2,321   2,863   3,956   2,658  
At year-end:
Total assets ¥3,708,305   ¥3,660,126   ¥3,664,538   ¥3,662,386   ¥3,553,174   ¥3,349,334  
Deposits 3,332,552   3,281,148   3,299,015   3,293,349   3,134,168   3,018,784  
Loans and bills discounted 1,992,040   1,984,674   2,021,903   1,999,393   1,944,222   1,909,946  
Investment securities 1,365,376   1,326,236   1,192,271   1,087,417   1,047,005   872,748  
Total stockholders' equity 212,264   203,476   183,049   190,841   204,695   143,719  
Common stock 20,000   20,000   20,000   20,000   20,000   20,000  
Per share data:
Net income per share (in full yen) ¥ 27.85   ¥ 24.00   ¥ 8.76   ¥ 10.90   ¥ 15.04   ¥ 10.06  
Stockholders' equity per share (in full yen) 814.96   781.49   703.23   727.70   778.34   546.49  
Valuation indicators:
Capital adequacy ratio (%) 9.92   9.70   9.37   8.81   8.94   8.98  
Tier I ratio (%) 8.21   7.98   7.75   7.98   8.10   8.08  
Price/earnings ratio (times) 25.60   23.95   52.51   38.80   29.32   45.72  
Cash flow:
Net cash provided by operating activities ¥ 90,037   ¥ 35,741   ¥ 50,837   ¥ 250,608   ¥ 97,232   ¥ 158,772  
Net cash used in investing activities (51,001 ) (151,788 ) (120,530 ) (75,759 ) (87,723 ) (77,150 )
Net cash used in (provided by) financing activities (1,293 ) 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
  2005  2004  2003  2002  2001  2000 
For the year:
Total income ¥ 76,401   ¥ 78,586   ¥ 73,340   ¥ 78,015   ¥ 100,479   ¥ 86,611  
Total expenses 62,002   68,202   68,911   73,725   94,412   82,780  
Income before income taxes 14,399   10,384   4,428   4,289   6,067   3,831  
Net income 7,056   6,045   2,124   2,745   3,820   2,516  
At year-end:
Total assets ¥3,683,685   ¥3,635,774   ¥3,641,486   ¥3,639,822   ¥3,530,322   ¥3,326,648  
Deposits 3,334,499   3,282,781   3,300,143   3,294,503   3,135,768   3,019,969  
Loans and bills discounted 1,997,461   1,990,290   2,027,957   2,005,883   1,950,311   1,915,247  
Investment securities 1,365,746   1,326,576   1,192,709   1,087,785   1,047,268   873,117  
Total stockholders' equity 210,866   202,323   182,144   190,190   204,164   143,334  
Per share data:
Net income per share (in full yen) ¥ 26.91   ¥ 23.10   ¥ 8.00   ¥ 10.45   ¥ 14.51   ¥ 9.51  
Cash dividends per share (in full yen) 5.50   5.00   5.00   5.00   5.00   5.00  
Stockholders' equity per share (in full yen) 809.27   776.75   699.48   724.57   775.62   544.53  
Valuation indicators:
Capital adequacy ratio (%) 9.75   9.57   9.27   8.72   8.88   8.92  
Tier I ratio (%) 8.03   7.83   7.63   7.88   8.03   8.02  
Return on equity (%) 4.66   4.13   1.45   1.89   2.67   1.77  
Return on assets (%) 0.19   0.17   0.06   0.08   0.11   0.07  
Price/earnings ratio (times) 26.49   24.89   57.50   40.47   30.39   48.37  
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