NON-CONSOLIDATED STATEMENTS OF INCOME AND RETAINED EARNINGS

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NON-CONSOLIDATED STATEMENTS OF INCOME AND RETAINED EARNINGS
THE SAIKYO BANK, LTD. FOR THE YEAR ENDED MARCH 31, 2000 AND 2001
�@	�@	�@	�@	�@	�@
�@	Millions of Yen			�@	Thousands of U.S.Dollars
�@	2000	�@	2001		2001
INCOME	�@	�@
INTEREST ON:	�@	�@
�@�@LOANS AND DISCOUNTS	\15,156	�@	\14,872		$120,036
�@�@SECURITIES	2,002	�@	1,132		9,142
�@�@OTHER	2,123	�@	2,109		17,027
FEES AND COMMISSIONS	1,475	�@	1,512		12,210
OTHER OPERATING INCOME	89	�@	73		589
OTHER INCOME	2,613	�@	243		1,967
TOTAL INCOME	23,460	�@	19,944		160,973
�@	�@	�@	�@	�@	�@
EXPENSES	�@	�@	�@	�@	�@
INTEREST ON:	�@	�@	�@	�@	�@
�@�@DEPOSITS	2,831	�@	2,399		19,367
�@�@BORROWINGS AND REDISCOUNTS	1	�@	0		6
�@�@OTHER	1,800	�@	1,714		13,835
FEES AND COMMISSIONS	950	�@	949		7,662
OTHER OPERATING EXPENSES	2,286	�@	71		574
GENERAL AND ADMINIStrATIVE EXPENSES	10,592	�@	10,260		82,813
OTHER EXPENSES	4,693	�@	15,004		121,102
TOTAL EXPENSES	23,158	�@	30,400		245,362
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INCOME BEFORE INCOME TAXES	302	�@	��10,455		��84,389
PROVISION FOR INCOME TAXES	1,127	�@	33		268
ADJUSTMENT FOR INCOME TAXES	�� 912	�@	�� 4,342		��35,047
NET INCOME	86	�@	��6,146		��49,610
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RETAINED EARNINGS AT BEGINNING OF YEAR	14,890	�@	14,653		118,266
BONUSES TO DIRECTORS AND STATUTORY AUDITORS	8	�@	6		54
CASH DIVIDENDS	269	�@	356		2,879
trANSFER TO LEGAL RESERVE	56	�@	75		610
trANSFER FROM REVALUATION EXCESS	10	�@	0		0
ADJUSTMENT FOR TAX EFFECT OF PRIOR YEARS	-	�@	-		-
RETAINED EARNINGS AT END OF YEAR	\14,653	�@	\8,067		$65,111
�@	�@	�@	�@	�@	�@
�@	�@	�@	�@	�@
�@	Yen			�@	U.S.Dollars
�@	2000	�@	2001		2001
NET INCOME PER SHARE	\1.38	�@	\-86.13		-$0.69
CASH DIVIDENDS APPLICABLE TO THE YEAR	5.00	�@	5.00		0.04

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