The Hyakugo Bank, Ltd. and Consolidated Subsidiaries
Years ended March 31
Millions of yen
2018
2017
2016
2015
2014
2013
For the year:
Total income
¥91,437
¥83,395
¥86,821
¥80,861
¥83,463
¥82,754
Total expenses
74,818
70,238
65,907
64,095
64,659
67,072
Income before income taxes and minority interests
16,619
13,156
20,914
16,766
18,803
15,682
Net income
11,690
9,040
13,634
10,648
11,520
9,458
At year-end:
Total assets
¥5,741,767
¥5,537,292
¥5,334,703
¥5,334,540
¥5,072,120
¥4,785,068
Deposits (including negotiable certificates of deposit)
4,897,596
4,719,104
4,643,589
4,582,506
4,416,309
4,225,857
Loans and bills discounted
3,095,211
2,935,867
2,882,336
2,813,548
2,705,413
2,530,989
Securities
1,778,737
2,043,568
1,997,716
2,140,190
2,045,481
1,955,194
Total net assets
357,391
342,761
335,653
357,052
297,198
281,722
Capital stock
20,000
20,000
20,000
20,000
20,000
20,000
Per share data:
Basic net income (in full yen)
¥46.07
¥35.63
¥53.73
¥41.97
¥45.40
¥37.17
Diluted net income (in full yen)
46.00
35.58
53.67
41.92
45.36
37.15
Net assets per share (in full yen)
1,407.93
1,332.82
1,288.87
1,375.30
1,141.27
1,081.77
Valuation indicators:
Capital adequacy ratio (%)※
10.60
9.91
10.43
10.67
11.06
12.11
Tier I ratio (%)
—
—
—
—
—
10.32
Price/earnings ratio (times)
10.91
12.46
7.85
13.27
9.33
12.61
Cash flow:
Net cash provided by (used in) operating activities
¥12,895
¥87,032
¥(5,259)
¥84,843
¥144,189
¥173,790
Net cash provided by (used in) investment activities
274,220
(57,251)
115,045
(39,953)
(82,159)
(130,827)
Net cash provided by (used in) financing activities
(6,337)
(18,763)
(2,046)
(2,040)
(12,059)
(12,329)
Note:
1.New domestic standards in accordance with the Basel III are applied in calculation of the consolidated capital adequacy ratio effective from March 31, 2014.
2.From September 30, 2017, the measurement method of credit risk and asset amount has been changed from the Basic Indicator Approach (BIA) to the Foundation Internal Ratings-Based (FIRB) approach.
Six-Year Summary (Non-Consolidated)
The Hyakugo Bank, Ltd.
Years ended March 31
Millions of yen
2018
2017
2016
2015
2014
2013
For the year:
Total income
¥79,145
¥70,672
¥75,367
¥69,361
¥71,313
¥70,544
Total expenses
63,767
59,031
56,067
54,445
54,377
56,633
Income before income taxes
15,377
11,641
19,299
14,916
16,936
13,910
Net income
10,956
8,462
13,172
10,025
10,831
8,767
At year-end:
Total assets
¥5,723,446
¥5,517,840
¥5,317,683
¥5,300,797
¥5,049,974
¥4,766,322
Deposits (including negotiable certificates of deposit)
4,910,396
4,731,445
4,655,261
4,593,846
4,426,375
4,234,780
Loans and bills discounted
3,102,047
2,940,712
2,887,184
2,818,004
2,710,066
2,535,432
Securities
1,788,672
2,049,345
2,001,362
2,143,824
2,049,171
1,958,927
Total net assets
346,267
330,115
324,077
333,210
282,926
270,951
Per share data:
Basic net income (in full yen)
¥43.18
¥33.35
¥51.91
¥39.51
¥42.68
¥34.46
Diluted net income (in full yen)
43.11
33.30
51.86
39.47
42.65
34.43
Cash dividends per share (in full yen)
8.00
8.00
8.00
8.00
8.00
7.50
Net assets per share (in full yen)
1,364.09
1,300.58
1,276.84
1,313.03
1,114.91
1,067.61
Valuation indicators:
Capital adequacy ratio (%)※
10.27
9.52
10.04
10.28
10.64
11.69
Tier I ratio (%)
—
—
—
—
—
9.91
Return on equity (%)
4.57
3.63
5.94
4.71
5.38
4.50
Return on assets (%)
0.20
0.16
0.25
0.20
0.22
0.19
Price/earnings ratio (times)
11.64
13.31
8.12
14.09
9.93
13.60
Note:
1.New domestic standards in accordance with the Basel III are applied in calculation of the non-consolidated capital adequacy ratio effective from March 31, 2014.
2.From September 30, 2017, the measurement method of credit risk and asset amount has been changed from the Basic Indicator Approach (BIA) to the Foundation Internal Ratings-Based (FIRB) approach.
