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Credit Rating Analysis: The Miyazaki Taiyo 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): The Miyazaki Taiyo Bank (Annual ) Consolidated | Non-Consolidated

Date	Credit Rating	Comment	Sales	Current Profit	Net Income
2013-03-31	CC	Credit is very vulnerable.	¥ 15 B -5.66%	¥ 1 B -29.93%	¥ 1 B -35.18%

Financial Timeline

Date	2012-12-31  (Third quarter )	2013-03-31  (Annual )	2013-06-30  (First quarter )	2013-09-30  (Second quarter )
Credit Rating	BB	CC	BBB	BBB
Total Assets	¥ 597 B	¥ 606 B	¥ 600 B	¥ 602 B
Net Assets	¥ 29 B	¥ 33 B	¥ 33 B	¥ 34 B

Financial Statement Risk Analysis: The Miyazaki Taiyo Bank (Annual ) (Consolidated )

Special note

The change of Net income is going too far. The management situation is unstable.

The change of Operating cash flow is going too far. The management situation is unstable.

Net Assets have increased 5consecutive terms. The fiscal base is getting better.

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

Management Risk (*Sales is decrease )
Sales (¥ 15 B) is first term Sales (¥ 15 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 (¥ 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 (7.06％) is first term Net Profit Margin (10.27％) less , there is a possibility that the profitability has deteriorated.

Financing Risk (*Operating Cash Flow is minus or 0 ＆Sales & Net Income is decrease )
Sales (¥ 15 B) is first term Sales (¥ 15 B) less Net Income (¥ 1 B) is first term Net Income (¥ 1 B) less, however Operating Cash Flow (¥ -11 B) is compensated for Investment Cash Flow (¥ 11 B) etc. , there is a possibility that the financing is severe.

Dividend Risk
Under the situation of Net Income (¥ 1 B) & Operating Cash Flow (¥ -11 B), Dividend (¥ -462 M) is paid.

Financing Risk (*Sale of stock property)
Operating Cash Flow (¥ -11 B) is minus, Investment Cash Flow (¥ 11 B) is plus. Because the main occupation was dull, stock property may have been sold off.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ -742 M) is Sales first term ratio (¥ -905 M) more , there is a possibility that the non-performing asset was increased.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 46 B) is Operating Cash Flow (¥ -11 B) is a minus, Sales (¥ 15 B) more , there is a possibility of holding the non-performing asset.

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

Management Risk (*Gross Income is decrease )
Gross Income (¥ 13 B) is first term Gross Income (¥ 13 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend Risk
Under the situation of Net Income (¥ 1 B) & Operating Cash Flow (¥ -6 B), Dividend (¥ -470 M) is paid.

Financing Risk (*Operating Cash Flow is decrease )
Sales (¥ 15 B) is first term (¥ 15 B) more, however Operating Cash Flow (¥ -6 B) is first term (¥ 3 B) less , there is a possibility that the financing has deteriorated very much.

Financing Risk (*Sale of stock property)
Operating Cash Flow (¥ -6 B) is minus, Investment Cash Flow (¥ 6 B) is plus. Because the main occupation was dull, stock property may have been sold off.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 7 B) is Sales first term ratio (¥ 432 M) more , there is a possibility that the non-performing asset was increased.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 46 B) is Operating Cash Flow (¥ -6 B) is a minus, Sales (¥ 15 B) more , there is a possibility of holding the non-performing asset.

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

Management Risk (*Sales is decrease )
Sales (¥ 15 B) is first term Sales (¥ 15 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 13 B) is first term Gross Income (¥ 22 B) less , there is a possibility that the management situation has stagnated and deteriorated

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -10 B) & Financial Cash Flow (¥ -376 M) is a minus, Operating Cash Flow (¥ 3 B) is a plus,

Dividend
Under the situation of Net Income (¥ 1 B) & Operating Cash Flow (¥ 3 B) , Dividend (¥ -371 M) is paid.

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

Management Risk (*Net Income is minus or 0 )
Net Income (¥ -8 B) is minus or 0, so , there is a possibility that the management situation is severe.

Management Risk (*Sales is decrease )
Sales (¥ 15 B) is first term Sales (¥ 16 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ -8 B) is first term Net Income (¥ -4 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (-52.93％) is first term Net Profit Margin (-25.48％) less , there is a possibility that the profitability has deteriorated.

Dividend Risk
Under the situation of Net Income (¥ -8 B) & Operating Cash Flow (¥ 740 M), Dividend (¥ -132 M) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 54 B) is Net Income (¥ -8 B) is a minus, Sales (¥ 15 B) more , there is a possibility of holding the non-performing asset.

Overinvestment Risk (*Investment Cash Flow confirmed content)
Net Income (¥ -8 B) is a minus, the cashflow of Operating Cash Flow (¥ 740 M) is smaller than Investment Cash Flow (¥ -7 B) , there is a possibility of the overinvestment.

[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 (¥ -3 B) is minus or 0, so , there is a possibility that the management situation is very severe.

Financing Risk (*Financial Cash Flow is plus )
Operating Cash Flow (¥ -3 B) is a minus, Financial Cash Flow (¥ 1 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 (¥ -4 B) & Operating Cash Flow (¥ -3 B), Dividend (¥ -265 M) is paid.

Financing Risk (*Sale of stock property)
Operating Cash Flow (¥ -3 B) is minus, Investment Cash Flow (¥ 1 B) is plus. Because the main occupation was dull, stock property may have been sold off.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 67 B) is Net Income (¥ -4 B) Operating Cash Flow (¥ -3 B) is a minus, Sales (¥ 16 B) more , there is a possibility of holding the non-performing asset.

Credit Rating (Bankruptcy Risk): The Miyazaki Taiyo Bank (Annual ) Consolidated | Non-Consolidated

Date	Credit Rating	Comment	Sales	Current Profit	Net Income
2013-03-31	B	Credit is not enough, easily undermined by biz environs.	¥ 12 B -8.05%	¥ 1 B -29.21%	¥ 1 B -30.90%

Financial Timeline

Date	-  (First quarter )	-  (Third quarter )	2013-03-31  (Annual )	2013-09-30  (Second quarter )
Credit Rating	-	-	B	BBB
Total Assets	-	-	¥ 604 B	¥ 602 B
Net Assets	-	-	¥ 32 B	¥ 34 B

Financial Statement Risk Analysis: The Miyazaki Taiyo Bank (Annual ) (Non-Consolidated )

Special note

The change of Net income is going too far. The management situation is unstable.

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

Management Risk (*Sales is decrease )
Sales (¥ 12 B) is first term Sales (¥ 13 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 (¥ 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 (8.94％) is first term Net Profit Margin (11.90％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 1 B) & Operating Cash Flow (-) , Dividend (¥ -462 M) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 137 M) is Sales first term ratio (¥ -1 B) more , there is a possibility that the non-performing asset was increased.

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

Management Risk (*Gross Income is decrease )
Gross Income (¥ 11 B) is first term Gross Income (¥ 11 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 (¥ -470 M) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 7 B) is Sales first term ratio (¥ 338 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 (¥ 13 B) is first term Sales (¥ 13 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 11 B) is first term Gross Income (¥ 20 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 (¥ -372 M) is paid.

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

Management Risk (*Net Income is minus or 0 )
Net Income (¥ -8 B) is minus or 0, so , there is a possibility that the management situation is severe.

Management Risk (*Sales is decrease )
Sales (¥ 13 B) is first term Sales (¥ 14 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ -8 B) is first term Net Income (¥ -4 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (-60.84％) is first term Net Profit Margin (-29.09％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ -8 B) & Operating Cash Flow (-) , Dividend (¥ -132 M) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 35 B) is Net Income (¥ -8 B) is a minus, Sales (¥ 13 B) more , there is a possibility of holding the non-performing asset.

[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.

Dividend
Under the situation of Net Income (¥ -4 B) & Operating Cash Flow (-) , Dividend (¥ -266 M) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 52 B) is Net Income (¥ -4 B) is a minus, Sales (¥ 14 B) more , there is a possibility of holding the non-performing asset.

Related Information: The Miyazaki Taiyo Bank (Annual )

Statement Type

Annual : The Miyazaki Taiyo Bank

First quarter : The Miyazaki Taiyo Bank

Second quarter : The Miyazaki Taiyo Bank

Third quarter : The Miyazaki Taiyo Bank

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Comparison with a neighboring company

Miyazaki - 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)

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Company Information

Ticker	Market	Industry	Month	report	Rating
The Miyazaki Taiyo Bank	8560	FSE	Banks	3	Annual	CC

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