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Six-Year Summary (Consolidated)
The Hyakugo Bank, Ltd. and Consolidated Subsidiaries
Years ended March 31
  Millions of yen
  2007  2006  2005  2004  2003  2002 
For the year:
Total income ¥ 89,016   ¥ 91,699   ¥ 89,136   ¥ 91,028   ¥ 85,136   ¥ 89,636  
Total expenses 72,187   71,547   73,496   79,377   79,731   84,474  
Income before income taxes and minority interests     16,829   20,151   15,640   11,650   5,405   5,162  
Net income 9,680   11,526   7,297   6,278   2,321   2,863  
At year-end:
Total assets ¥3,991,276   ¥3,844,274   ¥3,708,305   ¥3,660,126   ¥3,664,538   ¥3,662,386  
Deposits 3,531,872   3,405,156   3,332,552   3,281,148   3,299,015   3,293,349  
Loans and bills discounted 2,143,115   2,056,061   1,992,040   1,984,674   2,021,903   1,999,393  
Investment securities 1,411,211   1,460,806   1,365,376   1,326,236   1,192,271   1,087,417  
Total stockholders' equity 265,343   244,707   212,264   203,476   183,049   190,841  
Common stock 20,000   20,000   20,000   20,000   20,000   20,000  
Per share data:
Net income per share (in full yen) ¥ 37.15   ¥ 44.03   ¥ 27.85   ¥ 24.00   ¥ 8.76   ¥ 10.90  
Stockholders' equity per share (in full yen) 997.91   938.95   814.96   781.49   703.23   727.70  
Valuation indicators:
Capital adequacy ratio (%) 10.89   10.03   9.92   9.70   9.37   8.81  
Tier I ratio (%) 8.63   8.38   8.21   7.98   7.75   7.98  
Price/earnings ratio (times) 20.37   17.98   25.60   23.95   52.51   38.80  
Cash flow:
Net cash (used in) provided by operating activities (¥80,623 ) ¥ 5,990   ¥ 90,037   ¥ 35,741   ¥ 50,837   ¥ 250,608  
Net cash provided by (used in) investing activities 44,104   (45,553 ) (51,001 ) (151,788 ) (120,530 ) (75,759 )
Net cash provided by (used in) financing activities 13,186   (1,523 ) (1,293 ) 728   12,715   (4,647 )
Six-Year Summary (Non-Consolidated)
The Hyakugo Bank, Ltd.
Years ended March 31
  Millions of yen
  2007  2006  2005  2004  2003  2002 
For the year:
Total income ¥ 76,065   ¥ 79,029   ¥ 76,401   ¥ 78,586   ¥ 73,340   ¥ 78,015  
Total expenses 60,401   60,403   62,002   68,202   68,911   73,725  
Income before income taxes 15,664   18,626   14,399   10,384   4,428   4,289  
Net income 9,483   11,193   7,056   6,045   2,124   2,745  
At year-end:
Total assets ¥3,966,447   ¥3,819,221   ¥3,683,685   ¥3,635,774   ¥3,641,486   ¥3,639,822  
Deposits 3,536,597   3,407,916   3,334,499   3,282,781   3,300,143   3,294,503  
Loans and bills discounted 2,148,322   2,061,044   1,997,461   1,990,290   2,027,957   2,005,883  
Investment securities 1,411,483   1,461,020   1,365,746   1,326,576   1,192,709   1,087,785  
Total stockholders' equity 258,015   242,949   210,866   202,323   182,144   190,190  
Per share data:
Net income per share (in full yen) ¥ 36.39   ¥ 42.74   ¥ 26.91   ¥ 23.10   ¥ 8.00   ¥ 10.45  
Cash dividends per share (in full yen) 7.00   6.50   5.50   5.00   5.00   5.00  
Stockholders' equity per share (in full yen) 990.18   931.84   809.27   776.75   699.48   724.57  
Valuation indicators:
Capital adequacy ratio (%) 10.69   9.83   9.75   9.57   9.27   8.72  
Tier I ratio (%) 8.41   8.17   8.03   7.83   7.63   7.88  
Return on equity (%) 5.75   7.15   4.66   4.13   1.45   1.89  
Return on assets (%) 0.25   0.30   0.19   0.17   0.06   0.08  
Price/earnings ratio (times) 20.80   18.53   26.49   24.89   57.50   40.47  
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