 |
| NON-CONSOLIDATED
STATEMENTS OF INCOME AND RETAINED EARNINGS |
| THE SAIKYO
BANK, LTD. FOR THE YEAR ENDED MARCH 31, 1999 AND 2000 |
| |
|
|
|
|
|
| |
Millions
of Yen
|
|
Thousands of
U.S.Dollars
|
| |
1999 |
|
2000 |
|
2000 |
| INCOME |
|
|
|
|
|
| INTEREST ON: |
|
|
|
|
|
| LOANS AND DISCOUNTS |
\15,604 |
|
\15,156 |
|
$142,782 |
| SECURITIES |
2,280 |
|
2,002 |
|
18,864 |
| OTHER |
2,937 |
|
2,123 |
|
20,001 |
| FEES AND COMMISSIONS |
1,346 |
|
1,475 |
|
13,897 |
| OTHER OPERATING INCOME |
1,641 |
|
89 |
|
843 |
| OTHER INCOME |
1,329
|
|
2,613
|
|
24,620
|
| TOTAL INCOME |
25,140 |
|
23,460 |
|
221,010 |
| |
|
|
|
|
|
| EXPENSES |
|
|
|
|
|
| INTEREST ON: |
|
|
|
|
|
| DEPOSITS |
4,026 |
|
2,831 |
|
26,678 |
| BORROWINGS AND REDISCOUNTS |
3 |
|
1 |
|
15 |
| OTHER |
2,208 |
|
1,800 |
|
16,963 |
| FEES AND COMMISSIONS |
976 |
|
950 |
|
8,957 |
| OTHER OPERATING EXPENSES |
1,161 |
|
2,286 |
|
21,537 |
| GENERAL AND ADMINIStrATIVE
EXPENSES |
10,927 |
|
10,592 |
|
99,791 |
| OTHER EXPENSES |
5,189
|
|
4,693
|
|
44,219
|
| TOTAL EXPENSES |
24,493 |
|
23,158 |
|
218,165 |
| |
|
|
|
|
|
| |
|
|
|
|
|
| INCOME BEFORE INCOME TAXES |
646 |
|
302 |
|
2,845 |
| PROVISION FOR INCOME TAXES |
704 |
|
1,127 |
|
10,626 |
| ADJUSTMENT FOR INCOME TAXES |
△
291
|
|
△
912
|
|
△
8,600
|
| NET INCOME |
233 |
|
86 |
|
819 |
| |
|
|
|
|
|
| RETAINED EARNINGS AT BEGINNING
OF YEAR |
12,462 |
|
14,890 |
|
140,275 |
| BONUSES TO DIRECTORS AND
STATUTORY AUDITORS |
12 |
|
8 |
|
79 |
| CASH DIVIDENDS |
269 |
|
269 |
|
2,535 |
| trANSFER TO LEGAL RESERVE |
56 |
|
56 |
|
536 |
| trANSFER FROM REVALUATION
EXCESS |
- |
|
10 |
|
99 |
| ADJUSTMENT FOR TAX EFFECT
OF PRIOR YEARS |
2,533
|
|
-
|
|
-
|
| RETAINED EARNINGS AT END
OF YEAR |
\14,890
|
|
\14,653
|
|
$138,043
|
| |
|
|
|
|
|
| |
|
|
|
|
|
| |
Yen
|
|
U.S.Dollars
|
| |
1999 |
|
2000 |
|
2000 |
| NET INCOME PER SHARE |
\4.33 |
|
\1.38 |
|
$0.01 |
| CASH DIVIDENDS APPLICABLE
TO THE YEAR |
5.00 |
|
5.00 |
|
0.04 |
|
|
|
