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Six-Year Summary (Consolidated)
The Hyakugo Bank, Ltd. and Consolidated Subsidiaries Years ended March 31
  Millions of yen
  2006  2005  2004  2003  2002  2001 
For the year:
Total income ¥ 91,699   ¥ 89,136   ¥ 91,028   ¥ 85,136   ¥ 89,636   ¥ 112,172  
Total expenses 71,547   73,496   79,377   79,731   84,474   105,377  
Income before income taxes and minority interests     20,151   15,640   11,650   5,405   5,162   6,794  
Net income 11,526   7,297   6,278   2,321   2,863   3,956  
At year-end:
Total assets ¥3,844,274   ¥3,708,305   ¥3,660,126   ¥3,664,538   ¥3,662,386   ¥3,553,174  
Deposits 3,405,156   3,332,552   3,281,148   3,299,015   3,293,349   3,134,168  
Loans and bills discounted 2,056,061   1,992,040   1,984,674   2,021,903   1,999,393   1,944,222  
Investment securities 1,460,806   1,365,376   1,326,236   1,192,271   1,087,417   1,047,005  
Total stockholders' equity 244,707   212,264   203,476   183,049   190,841   204,695  
Common stock 20,000   20,000   20,000   20,000   20,000   20,000  
Per share data:
Net income per share (in full yen) ¥ 44.03   ¥ 27.85   ¥ 24.00   ¥ 8.76   ¥ 10.90   ¥ 15.04  
Stockholders' equity per share (in full yen) 938.95   814.96   781.49   703.23   727.70   778.34  
Valuation indicators:
Capital adequacy ratio (%) 10.03   9.92   9.70   9.37   8.81   8.94  
Tier I ratio (%) 8.38   8.21   7.98   7.75   7.98   8.10  
Price/earnings ratio (times) 17.98   25.60   23.95   52.51   38.80   29.32  
Cash flow:
Net cash provided by operating activities ¥ 5,990   ¥ 90,037   ¥ 35,741   ¥ 50,837   ¥ 250,608   ¥ 97,232  
Net cash used in investing activities (45,553 ) (51,001 ) (151,788 ) (120,530 ) (75,759 ) (87,723 )
Net cash used in (provided by) financing activities (1,523 ) (1,293 ) 728   12,715   (4,647 ) (4,319 )
Six-Year Summary (Non-Consolidated)
The Hyakugo Bank, Ltd. Years ended March 31
  Millions of yen
  2006  2005  2004  2003  2002  2001 
For the year:
Total income ¥ 79,029   ¥ 76,401   ¥ 78,586   ¥ 73,340   ¥ 78,015   ¥ 100,479  
Total expenses 60,403   62,002   68,202   68,911   73,725   94,412  
Income before income taxes 18,626   14,399   10,384   4,428   4,289   6,067  
Net income 11,193   7,056   6,045   2,124   2,745   3,820  
At year-end:
Total assets ¥3,819,221   ¥3,683,685   ¥3,635,774   ¥3,641,486   ¥3,639,822   ¥3,530,322  
Deposits 3,407,916   3,334,499   3,282,781   3,300,143   3,294,503   3,135,768  
Loans and bills discounted 2,061,044   1,997,461   1,990,290   2,027,957   2,005,883   1,950,311  
Investment securities 1,461,020   1,365,746   1,326,576   1,192,709   1,087,785   1,047,268  
Total stockholders' equity 242,949   210,866   202,323   182,144   190,190   204,164  
Per share data:
Net income per share (in full yen) ¥ 42.74   ¥ 26.91   ¥ 23.10   ¥ 8.00   ¥ 10.45   ¥ 14.51  
Cash dividends per share (in full yen) 6.50   5.50   5.00   5.00   5.00   5.00  
Stockholders' equity per share (in full yen) 931.84   809.27   776.75   699.48   724.57   775.62  
Valuation indicators:
Capital adequacy ratio (%) 9.83   9.75   9.57   9.27   8.72   8.88  
Tier I ratio (%) 8.17   8.03   7.83   7.63   7.88   8.03  
Return on equity (%) 7.15   4.66   4.13   1.45   1.89   2.67  
Return on assets (%) 0.30   0.19   0.17   0.06   0.08   0.11  
Price/earnings ratio (times) 18.53   26.49   24.89   57.50   40.47   30.39  
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