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Credit Rating (Bankruptcy Risk): The Kumamoto Family Bank (Annual ) Non-Consolidated

Financial Timeline

Financial Statement Risk Analysis: The Kumamoto Family Bank (Annual ) (Non-Consolidated )

Special note

Net sales has dropped 4 consecutive terms. The business have high risk.

Net Assets have increased 4consecutive terms. The fiscal base is getting better.

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

Management Risk (*Current Profit is minus or 0 )
Current Profit (¥ -578 M) is minus or 0, so , there is a possibility that the management situation is severe.

Management Risk (*Sales is decrease )
Sales (¥ 26 B) is first term Sales (¥ 28 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 (5.86％) is first term Net Profit Margin (8.53％) less , there is a possibility that the profitability has deteriorated.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 9 B) is Sales first term ratio (¥ -1 B) 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 (¥ 28 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 (¥ 24 B) is first term Gross Income (¥ 29 B) less , there is a possibility that the management situation has stagnated and deteriorated

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ -794 M) is Sales first term ratio (¥ -1 B) more , there is a possibility that the non-performing asset was increased.

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

Stated Capital less
Stated Capital (¥ 26 B) is first term Stated Capital (¥ 47 B) less , there is a possibility that the management situation is very severe.

Management Risk (*Sales is decrease )
Sales (¥ 30 B) is first term Sales (¥ 34 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 356 M) is first term Net Income (¥ 746 M) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (1.18％) is first term Net Profit Margin (2.17％) 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 (¥ 30 B) is first term Sales (¥ 34 B) less Net Income (¥ 356 M) is first term Net Income (¥ 746 M) less, however Operating Cash Flow (¥ -5 B) is compensated for Investment Cash Flow (¥ 4 B) etc. , there is a possibility that the financing is severe.

Financing Risk (*Sale of stock property)
Operating Cash Flow (¥ -5 B) is minus, Investment Cash Flow (¥ 4 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 (¥ 3 B) is Sales first term ratio (¥ -4 B) more , there is a possibility that the non-performing asset was increased.

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

Management Risk (*Current Profit is minus or 0 )
Current Profit (¥ -493 M) is minus or 0, so , there is a possibility that the management situation is severe.