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Credit Rating Analysis: Kirayaka Bank (Annual )

The details of credit rating (bankruptcy risk) can be checked. A credit rating in nine stages (AAA-C).

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Credit Rating (Bankruptcy Risk): Kirayaka Bank (Annual ) Consolidated | Non-Consolidated

Date	Credit Rating	Comment	Sales	Current Profit	Net Income
2013-03-31	BBB	Credit is enough, but be decreased potential by biz environs.	¥ 26 B 2.68%	¥ 1 B -30.73%	¥ 1 B -32.74%

Financial Timeline

Date	2011-09-30  (Second quarter )	2011-12-31  (Third quarter )	2012-06-30  (First quarter )	2013-03-31  (Annual )
Credit Rating	BBB	BBB	A	BBB
Total Assets	¥ 1.2 T	¥ 1.2 T	¥ 1.3 T	¥ 1.3 T
Net Assets	¥ 49 B	¥ 49 B	¥ 52 B	¥ 65 B

Financial Statement Risk Analysis: Kirayaka Bank (Annual ) (Consolidated )

[Date: 2013-03-31]  Danger : Warning : Caution : Good

Management Risk (*Net Income is decrease )
Net Income (¥ 1 B) is first term Net Income (¥ 1 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (4.00％) is first term Net Profit Margin (6.10％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 1 B) & Operating Cash Flow (¥ 28 B) , Dividend (¥ -1 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 8 B) is Sales first term ratio (¥ 695 M) more , there is a possibility that the non-performing asset was increased.

[Date: 2012-03-31]  Danger : Warning : Caution : Good

Management Risk (*Sales is decrease )
Sales (¥ 25 B) is first term Sales (¥ 26 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 24 B) is first term Gross Income (¥ 24 B) less , there is a possibility that the management situation has stagnated and deteriorated

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -30 B) & Financial Cash Flow (¥ -730 M) is a minus, Operating Cash Flow (¥ 25 B) is a plus,

Dividend
Under the situation of Net Income (¥ 1 B) & Operating Cash Flow (¥ 25 B) , Dividend (¥ -724 M) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 2 B) is Sales first term ratio (¥ -547 M) more , there is a possibility that the non-performing asset was increased.

[Date: 2011-03-31]  Danger : Warning : Caution : Good

Management Risk (*Sales is decrease )
Sales (¥ 26 B) is first term Sales (¥ 27 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 1 B) is first term Net Income (¥ 2 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (4.97％) is first term Net Profit Margin (8.41％) less , there is a possibility that the profitability has deteriorated.

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -23 B) & Financial Cash Flow (¥ -6 B) is a minus, Operating Cash Flow (¥ 33 B) is a plus,

Dividend
Under the situation of Net Income (¥ 1 B) & Operating Cash Flow (¥ 33 B) , Dividend (¥ -681 M) is paid.

[Date: 2010-03-31]  Danger : Warning : Caution : Good

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Operating Cash Flow (¥ -1 B) and Investment Cash Flow (¥ -23 B) is minus, Net Income (¥ 2 B) is plus. Because it is unnatural that profits have come out in this situation, the possibility of holding the non-performing asset is very high.

Management Risk (*Sales is decrease )
Sales (¥ 27 B) is first term Sales (¥ 30 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 25 B) is first term Gross Income (¥ 34 B) less , there is a possibility that the management situation has stagnated and deteriorated

Financing Risk (*Financial Cash Flow is plus )
Operating Cash Flow (¥ -1 B) is a minus, Financial Cash Flow (¥ 10 B) is a plus. Because sale is inactive, it may depend for financing on loan from banks, capital increase, etc.

Dividend Risk
Under the situation of Net Income (¥ 2 B) & Operating Cash Flow (¥ -1 B), Dividend (¥ -259 M) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ -134 M) is Sales first term ratio (¥ -2 B) more , there is a possibility that the non-performing asset was increased.

[Date: 2009-03-31]  Danger : Warning : Caution : Good

Management Risk (*Net Income & Operating Cash Flow is minus or 0 )
Net Income(¥ -4 B) & Operating Cash Flow (¥ -5 B) is minus or 0, so , there is a possibility that the management situation is very severe.

Dividend Risk
Under the situation of Net Income (¥ -4 B) & Operating Cash Flow (¥ -5 B), Dividend (¥ -461 M) is paid.

Financing Risk (*Sale of stock property)
Operating Cash Flow (¥ -5 B) is minus, Investment Cash Flow (¥ 18 B) is plus. Because the main occupation was dull, stock property may have been sold off.

Credit Rating (Bankruptcy Risk): Kirayaka Bank (Annual ) Consolidated | Non-Consolidated

Date	Credit Rating	Comment	Sales	Current Profit	Net Income
2013-03-31	BBB	Credit is enough, but be decreased potential by biz environs.	¥ 25 B 2.75%	¥ 1 B -30.13%	¥ 1 B -30.14%

Financial Timeline

Date	-  (First quarter )	-  (Third quarter )	2011-09-30  (Second quarter )	2013-03-31  (Annual )
Credit Rating	-	-	A	BBB
Total Assets	-	-	¥ 1.2 T	¥ 1.3 T
Net Assets	-	-	¥ 49 B	¥ 63 B

Financial Statement Risk Analysis: Kirayaka Bank (Annual ) (Non-Consolidated )

[Date: 2013-03-31]  Danger : Warning : Caution : Good

Management Risk (*Net Income is decrease )
Net Income (¥ 1 B) is first term Net Income (¥ 1 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (4.13％) is first term Net Profit Margin (6.08％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 1 B) & Operating Cash Flow (-) , Dividend (¥ -1 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 9 B) is Sales first term ratio (¥ 697 M) more , there is a possibility that the non-performing asset was increased.

[Date: 2012-03-31]  Danger : Warning : Caution : Good

Management Risk (*Sales is decrease )
Sales (¥ 25 B) is first term Sales (¥ 25 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 23 B) is first term Gross Income (¥ 23 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 1 B) & Operating Cash Flow (-) , Dividend (¥ -724 M) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 9 B) is Sales first term ratio (¥ -365 M) more , there is a possibility that the non-performing asset was increased.

[Date: 2011-03-31]  Danger : Warning : Caution : Good

Management Risk (*Sales is decrease )
Sales (¥ 25 B) is first term Sales (¥ 26 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 1 B) is first term Net Income (¥ 2 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (4.56％) is first term Net Profit Margin (8.32％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 1 B) & Operating Cash Flow (-) , Dividend (¥ -681 M) is paid.

[Date: 2010-03-31]  Danger : Warning : Caution : Good

Management Risk (*Sales is decrease )
Sales (¥ 26 B) is first term Sales (¥ 27 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 24 B) is first term Gross Income (¥ 31 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 2 B) & Operating Cash Flow (-) , Dividend (¥ -259 M) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 1 B) is Sales first term ratio (¥ -1 B) more , there is a possibility that the non-performing asset was increased.

[Date: 2009-03-31]  Danger : Warning : Caution : Good

Management Risk (*Net Income is minus or 0 )
Net Income (¥ -4 B) is minus or 0, so , there is a possibility that the management situation is severe.

Related Information: Kirayaka Bank (Annual )

Statement Type

Annual : Kirayaka Bank

First quarter : Kirayaka Bank

Second quarter : Kirayaka Bank

Third quarter : Kirayaka Bank

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Comparison with a neighboring company

Yamagata - EDIUNET Prefectures

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Related company's newest statement

Date	Company	Credit Rating	Date
1/27	The Awa Bank	BBB→A	2013-12-31 (Q3)
12/26	MOA Fund.	CC→BBB	2013-09-30
12/2	The Tajima Bank	A→CC	2013-09-30 (Q2)
11/29	THE SAGA KYOUEI BANK	BBB	2013-09-30 (Q2)
11/27	富山第一銀行	A→BB	2013-09-30 (Q2)
11/26	THE SHIZUOKACHUO BANK	A	2013-09-30 (Q2)
11/25	THE SAIKYO BANK	CCC→BBB	2013-09-30 (Q2)
11/18	THE FUKUHO BANK	CCC→BBB	2013-09-30 (Q2)
11/18	The Bank of Nagasaki	CC→B	2013-09-30 (Q2)
11/15	Mitsubishi UFJ Financia..	BBB	2013-09-30 (Q2)

EDIUNET Investment News (Banks)

1/27 Banks (The Awa Bank:BBB→A)

12/26 Banks (MOA Fund.:CC→BBB)

12/2 Banks (The Tajima Bank:A→CC)

11/29 Banks (THE SAGA KYOUEI BANK:..

11/27 Banks (富山第一銀行:A→BB)

11/26 Banks (THE SHIZUOKACHUO BANK..

11/25 Banks (THE SAIKYO BANK:CCC→B..

11/18 Banks (THE FUKUHO BANK:CCC→B..

11/15 Banks (Mitsubishi UFJ Financ..

11/14 Banks (みずほフィナンシャル..

Company Information

Ticker	Market	Industry	Month	report	Rating
Kirayaka Bank	8520	TSE 2st	Banks	3	Annual	BBB

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