The Hyakugo Bank, Ltd. and Consolidated Subsidiaries
Years ended March 31
Millions of yen
2019
2018
2017
2016
2015
2014
For the year:
Total income
¥85,847
¥90,626
¥83,395
¥86,821
¥80,861
¥83,463
Total expenses
70,542
74,007
70,238
65,907
64,095
64,659
Income before income taxes and minority interests
15,304
16,619
13,156
20,914
16,766
18,803
Net income
10,843
11,690
9,040
13,634
10,648
11,520
At year-end:
Total assets
¥6,265,275
¥5,741,767
¥5,537,292
¥5,334,703
¥5,334,540
¥5,072,120
Deposits (including negotiable certificates of deposit)
5,052,774
4,897,596
4,719,104
4,643,589
4,582,506
4,416,309
Loans and bills discounted
3,431,337
3,095,211
2,935,867
2,882,336
2,813,548
2,705,413
Securities
1,731,418
1,778,737
2,043,568
1,997,716
2,140,190
2,045,481
Total net assets
355,859
357,391
342,761
335,653
357,052
297,198
Capital stock
20,000
20,000
20,000
20,000
20,000
20,000
Per share data:
Basic net income (in full yen)
¥42.73
¥46.07
¥35.63
¥53.73
¥41.97
¥45.40
Diluted net income (in full yen)
42.66
46.00
35.58
53.67
41.92
45.36
Net assets per share (in full yen)
1,401.81
1,407.93
1,332.82
1,288.87
1,375.30
1,141.27
Valuation indicators:
Capital adequacy ratio (%)※
10.09
10.60
9.91
10.43
10.67
11.06
Tier I ratio (%)
—
—
—
—
—
—
Price/earnings ratio (times)
8.23
10.91
12.46
7.85
13.27
9.33
Cash flow:
Net cash provided by (used in) operating activities
¥262,437
¥12,895
¥87,032
¥(5,259)
¥84,843
¥144,189
Net cash provided by (used in) investment activities
33,436
274,220
(57,251)
115,045
(39,953)
(82,159)
Net cash provided by (used in) financing activities
(2,158)
(6,337)
(18,763)
(2,046)
(2,040)
(12,059)
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
2019
2018
2017
2016
2015
2014
For the year:
Total income
¥73,225
¥78,333
¥70,672
¥75,367
¥69,361
¥71,313
Total expenses
58,379
62,956
59,031
56,067
54,445
54,377
Income before income taxes
14,845
15,377
11,641
19,299
14,916
16,936
Net income
10,766
10,956
8,462
13,172
10,025
10,831
At year-end:
Total assets
¥6,249,680
¥5,723,446
¥5,517,840
¥5,317,683
¥5,300,797
¥5,049,974
Deposits (including negotiable certificates of deposit)
5,065,101
4,910,396
4,731,445
4,655,261
4,593,846
4,426,375
Loans and bills discounted
3,441,753
3,102,047
2,940,712
2,887,184
2,818,004
2,710,066
Securities
1,741,466
1,788,672
2,049,345
2,001,362
2,143,824
2,049,171
Total net assets
346,349
346,267
330,115
324,077
333,210
282,926
Per share data:
Basic net income (in full yen)
¥42.43
¥43.18
¥33.35
¥51.91
¥39.51
¥42.68
Diluted net income (in full yen)
42.36
43.11
33.30
51.86
39.47
42.65
Cash dividends per share (in full yen)
9.00
8.00
8.00
8.00
8.00
8.00
Net assets per share (in full yen)
1,364.33
1,364.09
1,300.58
1,276.84
1,313.03
1,114.91
Valuation indicators:
Capital adequacy ratio (%)※
9.74
10.27
9.52
10.04
10.28
10.64
Tier I ratio (%)
—
—
—
—
—
—
Return on equity (%)
4.33
4.57
3.63
5.94
4.71
5.38
Return on assets (%)
0.18
0.20
0.16
0.25
0.20
0.22
Price/earnings ratio (times)
8.29
11.64
13.31
8.12
14.09
9.93
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.
