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Credit Rating Analysis: THE NAGANOBANK (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 NAGANOBANK (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.	¥ 23 B -0.60%	¥ 3 B -14.14%	¥ 2 B 107.48%

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	B	A	BB
Total Assets	¥ 1.0 T	¥ 1.0 T	¥ 1.0 T	¥ 1.0 T
Net Assets	¥ 38 B	¥ 46 B	¥ 42 B	¥ 42 B

Financial Statement Risk Analysis: THE NAGANOBANK (Annual ) (Consolidated )

Special note

Net sales has dropped 5 consecutive terms. The business have high risk.

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

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

Financing Risk (*Operating Cash Flow is minus or 0 ＆Sales is decrease )
Sales (¥ 23 B) is first term Sales (¥ 23 B) less, however Operating Cash Flow (¥ -3 B) is compensated for Investment Cash Flow (¥ 4 B) etc. , there is a possibility that the financing is severe.

Dividend Risk
Under the situation of Net Income (¥ 2 B) & Operating Cash Flow (¥ -3 B), Dividend (¥ -449 M) is paid.

Financing Risk (*Sale of stock property)
Operating Cash Flow (¥ -3 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 (¥ 8 B) is Sales first term ratio (¥ -145 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 (¥ 54 B) is Operating Cash Flow (¥ -3 B) is a minus, Sales (¥ 23 B) more , there is a possibility of holding the non-performing asset.

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

Management Risk (*Sales is decrease )
Sales (¥ 23 B) is first term Sales (¥ 25 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

Dividend
Under the situation of Net Income (¥ 1 B) & Operating Cash Flow (¥ 50 B) , Dividend (¥ -449 M) is paid.

Financing Risk (*Interest-bearing Debt more)
Sales first term ratio (¥ -1 B) & Operating Cash Flow first term ratio (¥ -1 B) is a minus, Interest-bearing Debt (¥ 10 B) is first term Interest-bearing Debt (¥ 4 B) more , there is a possibility that the financing has deteriorated very much.

[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 (*Gross Income is decrease )
Gross Income (¥ 22 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 (¥ 1 B) & Operating Cash Flow (¥ 51 B) , Dividend (¥ -449 M) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 17 B) is Sales first term ratio (¥ -759 M) more , there is a possibility that the non-performing asset was increased.

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

Management Risk (*Net Income is minus or 0 )
Net Income (¥ -5 B) 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 (¥ 27 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ -5 B) is first term Net Income (¥ 425 M) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (-19.27％) is first term Net Profit Margin (1.53％) less , there is a possibility that the profitability has deteriorated.

Dividend Risk
Under the situation of Net Income (¥ -5 B) & Operating Cash Flow (¥ 26 B), Dividend (¥ -449 M) is paid.

Financing Risk (*Interest-bearing Debt more)
Sales first term ratio (¥ -1 B) & Operating Cash Flow first term ratio (¥ -2 B) is a minus, Interest-bearing Debt (¥ 4 B) is first term Interest-bearing Debt (-) more , there is a possibility that the financing has deteriorated very much.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 333 M) is Sales first term ratio (¥ -1 B) 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 (¥ 39 B) is Net Income (¥ -5 B) is a minus, Sales (¥ 26 B) more , there is a possibility of holding the non-performing asset.

Overinvestment Risk (*Investment Cash Flow confirmed content)
Net Income (¥ -5 B) is a minus, the cashflow of Operating Cash Flow (¥ 26 B) is smaller than Investment Cash Flow (¥ -31 B) , there is a possibility of the overinvestment.

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

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -29 B) & Financial Cash Flow (¥ -487 M) is a minus, Operating Cash Flow (¥ 28 B) is a plus,

Dividend
Under the situation of Net Income (¥ 425 M) & Operating Cash Flow (¥ 28 B) , Dividend (¥ -450 M) is paid.

Credit Rating (Bankruptcy Risk): THE NAGANOBANK (Annual ) Consolidated | Non-Consolidated

Date	Credit Rating	Comment	Sales	Current Profit	Net Income
2013-03-31	BB	Credit is a little enough, but be insufficient potential by biz environs.	¥ 18 B -0.52%	¥ 2 B -16.76%	¥ 1 B 37.54%

Financial Timeline

Date	-  (First quarter )	-  (Third quarter )	2013-03-31  (Annual )	2013-09-30  (Second quarter )
Credit Rating	-	-	BB	BB
Total Assets	-	-	¥ 1.0 T	¥ 1.0 T
Net Assets	-	-	¥ 43 B	¥ 42 B

Financial Statement Risk Analysis: THE NAGANOBANK (Annual ) (Non-Consolidated )

Special note

Net sales has dropped 5 consecutive terms. The business have high risk.

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 (¥ 18 B) is first term Sales (¥ 18 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 (¥ -449 M) 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 (¥ -98 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 (¥ 18 B) is first term Sales (¥ 19 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 14 B) is first term Gross Income (¥ 16 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 (¥ -449 M) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 19 B) is first term Sales (¥ 19 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 16 B) is first term Gross Income (¥ 25 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 (¥ -449 M) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 17 B) is Sales first term ratio (¥ -152 M) more , there is a possibility that the non-performing asset was increased.

[Date: 2010-03-31]  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.

Management Risk (*Sales is decrease )
Sales (¥ 19 B) is first term Sales (¥ 20 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ -4 B) is first term Net Income (¥ 384 M) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (-25.28％) is first term Net Profit Margin (1.86％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ -4 B) & Operating Cash Flow (-) , Dividend (¥ -449 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 (¥ -954 M) more , there is a possibility that the non-performing asset was increased.

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

Dividend
Under the situation of Net Income (¥ 384 M) & Operating Cash Flow (-) , Dividend (¥ -450 M) is paid.

Related Information: THE NAGANOBANK (Annual )

Statement Type

Annual : THE NAGANOBANK

First quarter : THE NAGANOBANK

Second quarter : THE NAGANOBANK

Third quarter : THE NAGANOBANK

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Outline : THE NAGANOBANK

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Nagano - 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
THE NAGANOBANK	8521	TSE 1st	Banks	3	Annual	B

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*This site has obtained the information from the FSA's EDINET, Tokyo Stock Exchange's TDnet and Pay statistical data services, Fukuoka stock Exchange's Stock market capitalization, Center for Spatial Information Science's CSV Geocoding Service. The copyright of the information belongs to each corporation etc. .