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Credit Rating Analysis: THE TOKUSHIMA 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 TOKUSHIMA BANK (Annual ) Consolidated | Non-Consolidated

Date Credit Rating Comment Sales Current Profit Net Income
2012-03-31  CCC  Credit is fragile, and depended on biz environs. ¥ 27 B
5.83%
¥ 4 B
107.43%
¥ 2 B
13.38%

Financial Timeline

Date  - 
(First quarter )
 - 
(Third quarter )
 2011-09-30 
(Second quarter )
 2012-03-31 
(Annual )
Credit Rating --ACCC
Total Assets
¥ 1.2 T
¥ 1.2 T
Net Assets
¥ 60 B
¥ 64 B

Financial Statement Risk Analysis: THE TOKUSHIMA BANK (Annual ) (Consolidated )

Special note
The change of Net income is going too far. The management situation is unstable.
[Date: 2012-03-31]  Danger : Warning : Caution : Good
Management Risk (*Gross Income is decrease )
Gross Income (¥ 22 B) is first term Gross Income (¥ 23 B) less , there is a possibility that the management situation has stagnated and deteriorated
Dividend Risk
Under the situation of Net Income (¥ 2 B) & Operating Cash Flow (¥ -51 B), Dividend (¥ -775 M) is paid.
Financing Risk (*Operating Cash Flow is decrease )
Sales (¥ 27 B) is first term (¥ 26 B) more, however Operating Cash Flow (¥ -51 B) is first term (¥ 127 B) less , there is a possibility that the financing has deteriorated very much.
Financing Risk (*Sale of stock property)
Operating Cash Flow (¥ -51 B) is minus, Investment Cash Flow (¥ 29 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 (¥ 62 B) 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 (¥ 90 B) is Operating Cash Flow (¥ -51 B) is a minus, Sales (¥ 27 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 (¥ 26 B) is first term Sales (¥ 29 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 (¥ 28 B) less , there is a possibility that the management situation has stagnated and deteriorated
Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -84 B) & Financial Cash Flow (¥ -1 B) is a minus, Operating Cash Flow (¥ 127 B) is a plus,
Dividend
Under the situation of Net Income (¥ 1 B) & Operating Cash Flow (¥ 127 B) , Dividend (¥ -1 B) is paid.
[Date: 2010-03-31]  Danger : Warning : Caution : Good
Management Risk (*Gross Income is decrease )
Gross Income (¥ 28 B) is first term Gross Income (¥ 39 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 (¥ -25 B), Dividend (¥ -578 M) is paid.
Financing Risk (*Operating Cash Flow is decrease )
Sales (¥ 29 B) is first term (¥ 28 B) more, however Operating Cash Flow (¥ -25 B) is first term (¥ 2 B) less , there is a possibility that the financing has deteriorated very much.
Financing Risk (*Sale of stock property)
Operating Cash Flow (¥ -25 B) is minus, Investment Cash Flow (¥ 16 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 (¥ 76 B) 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 (¥ 134 B) is Operating Cash Flow (¥ -25 B) is a minus, Sales (¥ 29 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 (¥ -6 B) is minus or 0, so , there is a possibility that the management situation is severe.
Dividend Risk
Under the situation of Net Income (¥ -6 B) & Operating Cash Flow (¥ 2 B), Dividend (¥ -617 M) is paid.
Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 58 B) is Net Income (¥ -6 B) is a minus, Sales (¥ 28 B) more , there is a possibility of holding the non-performing asset.

Ticker Market Industry Month report Rating
@ THE TOKUSHIMA BANK Banks 3 Annual CCC

Related Company

@ The Kita-Nippon Bank (Sales ¥ 25 B)
@ The Higashi-Nippon Bank (Sales ¥ 38 B)
@ Future Venture Capital (Sales ¥ 456 M)
@ Nichiboshin (Sales ¥ 535 M)
@ NISSIN SERVICER (Sales ¥ 6 B)
@ THE KANAGAWA BANK (Sales ¥ 9 B)
@ ACE KOEKI Co,. (Sales ¥ 3 B)
@ 全宅住宅ローン (Sales ¥ 1 B)
@ Sun Capital Management (Sales ¥ 1 B)
@ The Fukui Bank (Sales ¥ 45 B)
@ 日本アジア投資 (Sales ¥ 4 B)
@ The Yachiyo Bank (Sales ¥ 42 B)
@ Oak Capital (Sales ¥ 1 B)
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