Chubb Limited 10K 2003 Annual report | CB Filing

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigious
Readability	H.S. freshman Avg

New words: AA, AAA, abide, absent, absolute, accelerated, accelerating, acceleration, accompanied, accompanying, accretion, ACECompletesm, acknowledge, addressed, advance, agriculture, ahead, anniversary, annum, APB, appendix, apt, ARB, arrive, Assurantiewezen, attain, attained, attempt, Australian, aware, backed, bancaire, Bang, benchmark, beneficiary, BF, bid, bifurcation, billed, bodily, bolstered, borrowed, borrower, borrowing, Brasil, breakdown, broader, broadly, buy, callable, cancel, cancelled, card, CBFA, CDO, censure, Century, classification, classified, classifying, cleared, Codification, coinsurance, collectionscategory, collector, commensurate, commutation, commute, comparison, compounded, conflict, conform, conformity, consciously, consecutive, constitute, contractual, contractually, convertible, counterparty, criminal, crucial, curve, customary, de, Deferrable, denominated, denominator, deploy, deployed, depositary, depreciation, des, deteriorate, deterioration, devalued, discharge, disposal, dividing, Dominion, doubled, downgrade, downgraded, downgrading, duty, dynamic, earlier, easily, EITF, element, emphasize, en, epidemic, equal, equally, escrow, ethical, euro, evidence, expiry, exposed, expressed, failed, fair, FASB, feature, fee, fewer, FIN, Fitch, floating, forecast, forfeiture, fraction, fueled, fulfill, fundamental, gain, goal, grace, greatest, guarantor, guidance, half, hand, heavily, hedge, hedging, het, highlighting, holder, homogeneity, horizon, hypothetical, IBCA, illiquid, implied, imply, inability, inadequate, inconsistent, incorrect, indemnification, index, infrastructure, input, installment, instantly, instrument, intangible, intense, interaction, interim, IPO, Iraq, IRB, irregular, issuer, judgment, Junior, lack, legacy, length, lengthen, lengthening, liable, lien, LOC, longer, maintenance, mandatorily, manual, maximum, medini, medium, met, Miami, missed, misstatement, mitigate, mitigated, Mitsui, modified, motion, movement, multiplied, multiplier, municiple, NAIC, negative, newer, nontraditional, notch, noteworthy, notional, numerator, Obligor, obviate, OCA, older, opportunity, othercategory, outpacing, outward, overstate, overstated, owner, pace, paramount, parent, parental, passenger, pattern, paul, pension, permissible, personnel, population, postretirement, posure, pound, precisely, predetermined, prematurely, prepaid, prepay, prepayment, pressure, pretax, PRIDE, print, pro, prominent, pronouncement, purpose, question, quoted, rabbi, random, rank, rata, ratably, reach, reached, read, rebuilding, recession, reclassified, reclassify, reconciliation, reevaluated, referenced, refunded, refunding, rehabilitation, reinvestment, reliability, relieve, remediation, remuneration, rent, repaid, repay, replenish, replenishment, reproach, repudiation, resign, retroceding, reverse, reversed, revolving, RITC, robust, rollforward, rose, routine, Rule, runner, safeguard, satisfaction, scenario, scope, segregated, segregation, seller, sharply, shelf, short, shortly, silent, simplistic, Simultaneously, sinking, skilled, slightly, Society, softened, solid, SOP, space, speculative, St, staffing, standing, statute, statutorily, sterling, subdued, subordinated, substance, substitute, substitution, subtracting, sum, Sumitomo, survival, synthetic, tab, tail, tangible, taxable, technique, tempered, temporary, Thegeneral, thirty, tightening, Tokio, tort, trained, transferor, translated, translation, true, twelve, unamortized, uncertainty, unchanged, uncollateralized, uncollectible, uncommitted, unconditionally, understate, undertaken, undiscounted, unexpected, unexpired, unforeseen, universal, unpredictable, unrated, unrealized, unrecoverable, Unrelated, unsecured, unused, unutilized, unvested, upfront, usage, valuation, variance, variation, viable, VIE, view, viewed, violation, virtually, voor, warrant, waste, weakening, website, withdrawn, withheld, worst, worth, writer, yen, yield

Removed: Accountant, ACMR, ACRI, ACRO, acting, ACTR, adhered, Assistant, audited, Banc, blee, cedent, Centrally, correlation, delegate, diminished, disrupt, export, Fenner, focused, geography, imprecise, inherently, Intermediary, iv, knowledge, Lynch, Merrill, monoline, month, motor, occurring, Pierce, Pledge, preceding, premised, reinsuring, Remarketing, Smith, vehicle, voting


Fiscal year ended December 31	2003		2002			2001			2000		1999

Earnings per Financial Statements	$	1,417,482	$	76,549		$	(146,414	)	$	542,982	$	364,963
Add (deduct):
Provision for income taxes		278,347		(115,688	)		(78,674	)		93,908		28,684
Fixed charges		205,758		218,494			219,849			242,783		126,138

Earnings for Computations		1,901,587		179,355			(5,239	)		879,673		519,785

Fixed Charges
Interest Expense		177,425		193,494			199,182			221,450		105,138
One third of payments under operating leases		28,333		25,000			20,667			21,333		21,000

Total Fixed Charges		205,758		218,494			219,849			242,783		126,138

Ratio of Earnings to Fixed Charges		9.2		⁽¹	⁾		⁽²	⁾		3.6		4.1

Preferred Share Dividends		36,009		25,662			25,594			18,391		–
Total Fixed Charges and Preferred Share Dividends	$	241,767	$	244,156		$	245,443		$	261,174	$	126,138

Ratio of Earnings to Fixed Charges and Preferred Share Dividends		7.9		⁽¹	⁾		⁽²	⁾		3.4		4.1

Chubb Limited (CB) 10-K2003 FY Annual report

Content analysis