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Hancock John Financial Services Inc – ‘8-K’ for 2/6/02

On: Thursday, 2/7/02 · For: 2/6/02 · Accession #: 1010521-2-57 · File #: 1-15607

  As Of                Filer                Filing    For·On·As Docs:Size              Issuer               Agent

 2/07/02  Hancock John Fin’l Services Inc   8-K:5       2/06/02    1:46K                                    Maffucci Noel/FA

Current Report — Form 8-K
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 8-K         Jhfs, Inc                                             19     88K

Document Table of Contents

Page	(sequential)	\|	(alphabetic)	Top
			Alternative Formats (Word, et al.) Financial Statements and Exhibits Forward-looking Statements Net Income Other Information
1	1st Page - Filing Submission
2	Item 5. Other Information
"	Item 7. Financial Statements and Exhibits
8	Net Income
10	Forward-looking Statements

8-K 1st Page of 19 TOC ↑Top Previous Next ↓Bottom Just 1st
 
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE
 SECURITIES EXCHANGE ACT OF 1934

Date of Report: February 6, 2002
 (Date of Earliest Event Reported)

 JOHN HANCOCK FINANCIAL SERVICES, INC.
(Exact name of registrant as specified in charter)

 Commission File Number: 1-15607

             DELAWARE                                       04-3483032
(State or other jurisdiction of incorporation                 (I.R.S. Employer  
              or organization)                               Identification No.)

John Hancock Place
 Boston, Massachusetts 02117
(Address of principal executive offices)

(617) 572-6000
(Registrant's telephone number, including area code)

                                                            4 Q Earnings Release

8-K 2nd Page of 19 TOC 1st Previous Next ↓Bottom Just 2nd
Item 5.     Other Information.                                                  

     On February 6, 2002, John Hancock Financial Services, Inc., a
Delaware corporation, issued a press release, a copy of which is attached hereto
as Exhibit 99 and is incorporated herein by reference.                          

Item 7.     Financial Statements and Exhibits.                                  

(c)   Exhibits                                                      

Exhibit No.                   Item                      
-----------                   ----                      

   99                            Press Release of John Hancock
                                   Financial Services, Inc., dated
                     February 6, 2002.

                                                            4 Q Earnings Release

8-K 3rd Page of 19 TOC 1st Previous Next ↓Bottom Just 3rd
SIGNATURES

   Pursuant to the requirements of the Securities Exchange Act of 1934, as
amended, the Registrant has duly caused this Report to be signed on its behalf  
by the undersigned hereunto duly authorized.                                    

                                       JOHN HANCOCK FINANCIAL SERVICES, INC.

Date: February 7, 2002                   By: /s/Thomas E. Moloney               
                                   -------------------------
                           Thomas E. Moloney
                                 Chief Financial Officer

                                                            4 Q Earnings Release

8-K 4th Page of 19 TOC 1st Previous Next ↓Bottom Just 4th
                                                                      Exhibit 99

--------------------------------------------------------------------------------

News                                                     [JOHN HANCOCK LOGO] (R)
                                                        FINANCIAL SERVICES

John Hancock Financial Services reports fourth-quarter 2001 net operating income
of $0.71 per share

                                                        [Enlarge/Download Table]

=====================================================================================================
Earnings summary*                           4th quarter 2001        4th quarter 2000        % change 
-----------------------------------------------------------------------------------------------------
                                                                                                     
Net operating income                                                                                 
per-share diluted                                      $0.71                   $0.57           24.6% 
Net income                                                                                           
per-share diluted                                      $0.34                   $0.72          (52.8%)
Net operating income                          $214.8 million          $179.7 million           19.5% 
Net income                                    $102.3 million          $226.4 million          (54.8%)
Diluted average shares outstanding             301.0 million           316.4 million           (4.9%)
Net operating income                                                                                 
return on equity                                       15.4%                   13.0%             --  
=====================================================================================================

*See "Net Income" section below for a reconciliation of net operating income to 
net income. As required, results reflect adoption of Statement of Accounting    
Position 00-3, "Accounting by Insurance Enterprises for Demutualizations and    
Formations of Mutual Insurance Holding Companies and Certain Long-Duration      
Participating Contracts."                                                       

     BOSTON (February 6, 2002) -- John Hancock Financial Services, Inc. (NYSE:
JHF) today reported net operating income per share for the fourth quarter of    
2001 of $0.71 diluted, compared with $0.57 diluted in the fourth quarter of     
2000. Net operating income in the quarter was $214.8 million, compared with     
$179.7 million a year earlier.                                                  

  As required, John Hancock in the fourth quarter adopted new accounting
rules (Statement of Position 00-3) for recognition of certain future            
policyholder dividend obligations on a retroactive basis to the date of         
demutualization. The effects of adopting the new rules are reflected in the     
company's financial results for the fourth quarter of 2001 and, retroactively,  
for all prior periods in 2001 and 2000.                                         

   Among the effects of adoption was a reduction of $0.01 per share in net
operating income and net income for the first nine months of 2001; for the full 
year of 2000, net operating income and net income were reduced by $0.04 per     
share and $0.06 per share, respectively. (For additional details, see the       
"Impact of Adoption of SOP 00-3" exhibit appended to this news release.)        

  The accounting policy -- issued by the American Institute of Certified
Public Accountants -- changes the accounting method for the company's closed    
block. The closed block was created to protect the dividend expectations for    
policies issued by John Hancock Mutual Life Insurance Company prior to its      
demutualization, which was effective February 1, 2000.                          

      The new rules require recognition in the company's financial statements of
a policyholder dividend obligation (PDO), representing actual cumulative        
retained earnings and other comprehensive income from the closed block that     
exceed the expected amounts calculated at the date of demutualization.          

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                                            JHF Fourth-Quarter Financial Results

  The PDO will grow if closed block results are higher than expected; it
will also absorb lower-than-expected results, and increased dividend payments,  
as long as the total PDO is positive.                                           

  Under the new rules, only the amount of closed block profits or losses
calculated to be attributable to shareholders is included in current-period     
reported income. Under the previous accounting standard, current-period reported
income also included closed block profits or losses, which would be factored    
into expected policyholder dividends, and thus reported income in subsequent    
periods would have been affected by the ultimate level of dividend payments.    

Retail, Institutional Business Segments Post Gains                  

    In the fourth quarter of 2001, higher net operating income was driven by
gains over the year-ago period in all retail and institutional business         
segments, partially offset by lower earnings from the corporate account, which  
is part of the Corporate & Other segment. Higher premiums and product fees were 
partially offset by lower net investment yields and margins.                    

   Net operating return on equity for the fourth quarter was 15.4%, versus
13.0% a year earlier.                                                           

"The fourth-quarter results mark a solid finish to a year in which, 
despite many obstacles, Hancock reached its target of double-digit growth in    
per-share net operating income," said David F. D'Alessandro, chairman and chief 
executive officer. "We are well-positioned for continued growth, and we remain  
focused on leveraging Hancock's strengths: a balanced portfolio of innovative   
products, diversified distribution, a premier brand, superior investment        
expertise, and a commitment to maximizing shareholder value."                   

    For the full year, Hancock's net operating income was $805.7 million, up
9.1% from $738.8 million in 2000. Net operating income per share was $2.62      
diluted, up 12.0% from $2.34 diluted.                                           

Among the company's achievements in 2001:                           

      o     Full-year net operating income return on equity of 14.5%

           o     19% increase in total retail life sales, including corporate-
               and bank-owned life (COLI/BOLI), and a 14% gain in sales of
nontraditional single-life products         

o     Net mutual fund sales of $760 million             

         o     71% increase in retail fixed annuity sales; $1.9 billion of
                 variable annuity assets retained through safe-harbor exchange
program                                     

        o     21% gain in total institutional spread-based product sales

2002 Financial Outlook                                              

D'Alessandro said the company was comfortable with its previously   
announced guidance that 2002 net operating income per share would grow in the   
10%-to-12% range, driven by continued gains in core retail and institutional    
businesses, and ongoing expense management. This forecast assumes a U.S.        
economic recovery in the second half of the year and S&P 500 appreciation of    
about 5% to 6% for the full year. It also includes a gain of $0.04 per share    
from elimination of goodwill amortization following the adoption this year of   
Financial Accounting Standard 142 - Goodwill and Other Intangible Assets.       

2 
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                                            JHF Fourth-Quarter Financial Results

     "We are optimistic but cautious about the outlook for 2002," D'Alessandro
added. "We are making good progress in growing retail sales and increasing      
assets under management. Our spread-based business is solidly profitable and    
expanding. But we must effectively manage through ongoing challenges, including 
an uncertain economy, which could affect the companies in which we invest,      
volatile equity markets, and lower interest rates.                              

   Guidance, as the company has previously discussed, is subject to change
if, among other things, the economy or the financial markets experience         
significant changes. (See "Forward-looking Statements" section below.)          

Business Segment Highlights                                         

     Protection: Pretax operating income in the quarter was $118.8 million, up
20.7% from $98.4 million a year ago.                                            

  Nontraditional life operating income for the quarter was $46.7 million
pretax, up 32.3% from $35.3 million last year. The gain reflects improved       
separate account performance and higher product fees.                           

   Traditional life operating income, which includes the closed block, was
$45.5 million pretax for the quarter, up 22.3% from $37.2 million a year        
earlier, driven by lower operating expenses, partially offset by lower net      
investment margins.                                                             

     Long-term care insurance operating income was $26.9 million pretax in the
quarter, up 7.2% from $25.1 million a year ago. The increase was driven by      
growth in the business, lower operating expenses, and improved lapse and        
morbidity gains, partially offset by lower net investment margins.              

  Core life insurance sales rose to $64.5 million, up 46% over the third
quarter and 8% over the fourth quarter of last year. The gain was driven by     
single-life variable and universal products, which increased 46% over the third 
quarter and 27% over the same period last year, primarily on strong growth in   
the direct brokerage channel. Survivorship product sales, while still below 2000
levels, increased 57% over the third quarter.                                   

      Total life sales, including COLI/BOLI, were $89.3 million, up 19% over the
year-ago quarter.                                                               

  Total long-term care sales were up 3% to $28.6 million from the fourth
quarter of last year, as increased sales in the brokerage and group channels    
were partially offset by lower Signator agent sales.                            

     During the quarter, Hancock was selected, in partnership with MetLife, as
the providers to the Federal Long-Term Care Insurance Program, which is expected
to be the largest LTC program in the country. The government's decision to      
provide access to LTC insurance is expected to increase awareness of the product
among consumers and employers. The company estimates that nearly 300,000        
individuals will enroll in the program in its first full year of operation,     
planned to begin later in 2002. Because of the start-up period, the company does
not expect the program to have an impact on earnings in 2002.                   

3 
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8-K 7th Page of 19 TOC 1st Previous Next ↓Bottom Just 7th
                                            JHF Fourth-Quarter Financial Results

      Asset Gathering: Pretax operating income was $55.5 million in the quarter,
up 50.0% from $37.0 million a year ago.                                         

      Mutual fund operating income was $21.4 million pretax, up 18.2% from $18.1
million a year ago. Lower operating expenses and commissions offset reduced fee 
revenue caused by a decline in assets under management. Average assets under    
management were $28.4 billion for the quarter, down from $32.5 billion in the   
prior year, due to market depreciation over the year.                           

   Mutual fund net sales for the quarter were $634.1 million, up from $2.7
million in the third quarter and $219.2 million a year ago.                     

      Fixed annuity operating income was $23.7 million pretax in the quarter, up
8.2% from $21.9 million a year earlier, as strong sales and improved lapse rates
were partially offset by lower net investment margins. Average account balances 
for the quarter were up 18.9% to $6.3 billion from $5.3 billion last year.      

  Fixed annuity sales totaled $420.0 million in the quarter, up slightly
from the third quarter and up 57% from a year ago. During the quarter, the      
company expanded distribution with new proprietary product deals with CalFed and
Fidelity Investments, bringing the total number of proprietary deals to six. For
the year, fixed annuity sales were up 71% to $1.5 billion.                      

     Variable annuity operating income was $7.5 million pretax in the quarter,
up from $1.2 million a year ago. The gain was driven by improved separate       
account performance and lower operating expenses.                               

 The company's safe harbor exchange program retained $442.0 million of
in-force variable annuity assets during the quarter. The program, which was     
largely completed in the fourth quarter, exchanged $1.9 billion in variable     
annuity assets from older Hancock products into the new Revolution line since   
its start at the end of last year.                                              

Variable annuity sales, excluding the exchange program, were $155.2 
million in the quarter, up 3% from the third quarter but down from $280.8       
million in the year-earlier period.                                             

      Guaranteed & Structured Financial Products: Pretax operating income in the
quarter was $94.9 million, up 24.4% from $76.3 million in the comparable quarter
last year, as higher operating income from spread-based products were partially 
offset by a decline in fee-based products.                                      

   Spread-based operating income was up 36.5% to $87.1 million pretax from
$63.8 million, driven by a 24% increase in average invested assets. During the  
quarter Hancock announced two initiatives to expand its spread-based business   
into new markets in 2002: the extension of its funding agreement program through
its Canadian subsidiary, Maritime Life Assurance Co., and SignatureNotes, a     
fixed-income product distributed directly to retail investors.                  

   Investment Management: Pretax operating income in the quarter was $18.9
million, up from $11.4 million in the fourth quarter of 2000, driven by reduced 
expenses at Independence Investment LLC and gains on the sale of investments in 
the discontinued energy resources operations.                                   

4 
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                                            JHF Fourth-Quarter Financial Results

     Operating income at Independence, which manages equities and fixed income
investments for institutions, was $8.3 million pretax, up from $5.6 million a   
year earlier, as lower operating expenses offset the impact of lower assets     
under management. Net sales were $104.6 million, reversing 9 quarters of net    
redemptions. Average assets under management were $19.9 billion, versus $26.7   
billion a year ago; the decline includes $1.9 billion from market depreciation. 

Corporate & Other: Pretax operating income in the quarter was $13.2 
million, versus $47.2 million last year.                                        

    Pretax operating income from Maritime Life Assurance, Hancock's Canadian
subsidiary, was $20.8 million, up 26.0% from $16.5 million last year. The       
increase was driven primarily by improved mortality, morbidity, and expense     
margins, and higher product fees.                                               

 Corporate & Other operating income also reflects lower capital in the
segment, which was used to fund growth in the business units, pay stockholder   
dividends, and repurchase Hancock's stock, as well as lower pretax earnings from
lease residual management, which result in improved after-tax yields. On an     
after-tax basis, which reflects the benefits of the lease management and other  
tax-advantaged investment strategies used in the segment, operating income was  
$22.2 million, compared with $29.2 million.                                     

Net Income                                                          

Net income includes, and net operating income excludes, net realized
investment gains and losses and unusual or non-recurring events and transactions
and certain other items that the company believes are not indicative of overall 
operating trends.                                                               

Hancock uses net operating income to evaluate what it considers the 
normal, ongoing operations of its business segments and as a basis for          
management incentives. However, net operating income pretax or after-tax, whose 
definition can vary among companies, is not a substitute for the net income     
presented in this press release and certain company filings with the Securities 
and Exchange Commission, including our annual reports on Form 10-K.             

 The following table shows adjustments made to net operating income to
reconcile with net income.                                                      

                                                        [Enlarge/Download Table]

(in $ millions)                                                                                         
========================================================================================================
                                                     4Q 2001        4Q 2000          2001          2000 
--------------------------------------------------------------------------------------------------------
                                                                                                        
Net operating income                                  $214.8         $179.7        $805.7        $738.8 
   Net realized capital gains (losses)                ($97.7)         $13.7       ($160.7)        $57.2 
   Loss from addition to class-action lawsuit                                                           
      reserve                                         ($19.5)            --        ($19.5)           -- 
   Surplus tax credit                                   $9.7          $31.5         $13.4         $46.0 
   Restructuring/other                                 ($5.0)         ($1.9)       $(20.2)       ($12.0)
   Demutualization credit (expense)                       --           $3.4            --         ($7.0)
   Other demutualization-related expenses                 --             --            --        ($10.0)
   Gain from pension dividend transfer                    --             --            --          $5.7 
--------------------------------------------------------------------------------------------------------
      Total non-operating items                      ($112.5)         $46.8       ($187.0)        $80.0 
--------------------------------------------------------------------------------------------------------
Net income                                            $102.3         $226.4        $618.7        $818.7 
========================================================================================================

5 
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                                            JHF Fourth-Quarter Financial Results

    Net income for the fourth quarter was $102.3 million, or $0.34 per share
diluted, compared with $226.4 million, or $0.72 per share diluted, in the fourth
quarter of 2000. The decline was driven mostly by net realized capital losses of
$97.7 million, primarily from writedowns of certain fixed income investments,   
the largest of which were Enron Corp. and related entities, as previously       
disclosed. Realized capital losses were partially offset by realized capital    
gains, mostly on the sale of certain equity securities; mitigating losses with  
such gains is an integral part of Hancock's investment strategy. In the year-ago
quarter, the company recorded net realized capital gains of $13.7 million.      

      Net income for the fourth quarter of 2001 includes an addition to reserves
of $19.5 million to cover costs from the previously announced settlement of a   
class-action lawsuit involving alleged market conduct activities; there was no  
such change in reserves in the year-ago quarter. The reserve increase is based  
on refined estimates of the company's exposure to the settlement made after     
having settled about 96% of the claims.                                         

The reserve addition is based on a number of factors, including the 
relatively high value of the remaining claims, the estimated costs per claim,   
and the estimated cost to administer the claims. The company believes the       
reserve held at December 31, 2001, is reasonable and adequate based on the      
information available at this time; however, the company will continue to       
evaluate its exposure related to the settlement as additional information       
becomes available and will refine its reserve estimate accordingly.             

   Net income for the year was $618.7 million, or $2.01 per share diluted,
compared with a $818.7 million, or $2.59 per share diluted, in 2000.            

Other Financial Data                                                

   There were 301.0 million weighted average diluted shares outstanding in
the quarter, compared with 316.4 million shares a year ago. During the quarter, 
the company repurchased 2.3 million shares at an average price of $37.46 a      
share. For the full year 2001, the company repurchased 15.5 million shares for a
total of $579.8 million.                                                        

     The following table contains selected balance sheet information, adjusted
to reflect adoption of SOP 00-3:                                                

                                                        [Enlarge/Download Table]

================================================================================================
                                                              December 31           December 31 
                                                                     2001                  2000 
------------------------------------------------------------------------------------------------
                                                                                                
Shareholder equity                                           $5.9 billion          $5.8 billion 
(including FAS 115 market adjustment)                                                           
   Per share                                                       $19.72                $18.45 
Shareholder equity                                           $5.5 billion          $5.6 billion 
(excluding FAS 115 market adjustment)                                                           
   Per share                                                       $18.62                $17.86 
End of period shares outstanding                            297.4 million         312.0 million 
Assets under management                                                                         
     General account                                        $58.5 billion         $52.1 billion 
     Separate account                                       $22.7 billion         $26.5 billion 
     Third party                                            $43.0 billion         $46.6 billion 
------------------------------------------------------------------------------------------------
Total consolidated                                         $124.2 billion        $125.2 billion 
================================================================================================

6 
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                                            JHF Fourth-Quarter Financial Results

Forward-looking Statements                                          

     The statements, analyses, and other information contained herein relating
to trends in the company's operations and financial results, the markets for the
company's products, the future development of the company's business, and the   
contingencies and uncertainties to which the company may be subject, as well as 
other statements including words such as "anticipate," "believe," "plan,"       
"estimate," "expect," "intend," "will," "should," "may," and other similar      
expressions, are "forward-looking statements" under the Private Securities      
Litigation Reform Act of 1995. Such statements are made based upon management's 
current expectations and beliefs concerning future events and their potential   
effects on the company.                                                         

Future events and their effects on the company may not be those     
anticipated by management. John Hancock's actual results may differ materially  
from the results anticipated in these forward-looking statements. For a         
discussion of factors that could cause or contribute to such material           
differences, investors are directed to the risks and uncertainties discussed in 
our Form 10-K for the year ended December 31, 2000, and other documents filed by
the company with the Securities and Exchange Commission. These risks and        
uncertainties include, without limitation, the following: changes in general    
economic conditions; the performance of financial markets and interest rates;   
customer responsiveness to existing and new products and distribution channels; 
competitive and business factors; new tax or other legislation; and government  
regulation.                                                                     

     The company specifically disclaims any obligation to update or revise any
forward looking information, whether as a result of new information, future     
developments or otherwise.                                                      

Conference Call                                                     

     John Hancock will discuss fourth-quarter results during a conference call
on Thursday, February 7, 2001, at 10:00 a.m. Eastern Time. The conference call  
will be broadcast live over the Internet at http://www.jhancock.com. The call   
can also be accessed by telephone in the U.S. at (703) 871-3022.                

      The call will be rebroadcast through February 14, 2001, at (703) 925-2533.
The access code will be 5750248. The call will also be available for replay on  
the John Hancock investor relations web site:                                   
http://www.shareholder.com/hancock/medialist.cfm.                               

  This press release, John Hancock's quarterly financial supplement, and
other financial documents may be obtained by calling 1-877-JHF-NYSE             
(1-877-543-6973) or on the Internet at                                          
http://www.shareholder.com/hancock/ihighlights.cfm.                             

      John Hancock Financial Services, Inc., with $124.2 billion in assets under
management, provides a wide range of insurance and investment products and      
services to individual and institutional customers.                             

Contacts                                                            

Media:  Roy Anderson, 617-572-6385; Leslie Uyeda, 617-572-6387      
Investors:  Jean Peters, 617-572-9282; Larry Edelman, 617-572-0521  

-30-

 Financial exhibits follow

8-K 11th Page of 19 TOC 1st Previous Next ↓Bottom Just 11th
 John Hancock Financial Services, Inc.
 Exhibit - Impact of Adoption of SOP 00-3 Impact on Prior-Period Results

                                                        [Enlarge/Download Table]

                                              9/30/01              2001             12/31/00                  2000                 
                                                        -------------------------              ----------------------------------- 
                                                YTD       Q3        Q2        Q1      YTD        Q4        Q3        Q2        Q1  
                                               -----    -----     -----     -----    -----     -----     -----     -----     ----- 
                                                                                                                                   
---------------------------------------------------------------------------------------------------------------------------------- 
Operating Income                                                                                                                   
---------------------------------------------------------------------------------------------------------------------------------- 
                                Reported       594.8    204.9     199.4     190.5    752.2     181.0     182.1     183.7     205.4 

                         SOP 00-3 impact        (3.9)    (3.4)     (0.7)      0.2    (13.4)     (1.3)     (7.4)     (1.8)     (2.9)

                                Restated       590.9    201.5     198.7     190.7    738.8     179.7     174.7     181.9     202.5 
---------------------------------------------------------------------------------------------------------------------------------- 

                  Basic EPS, As reported        1.94     0.68      0.65      0.61     2.39      0.58      0.58      0.58      0.65 

                         SOP 00-3 impact       (0.01)   (0.01)    (0.00)     0.00    (0.04)    (0.01)    (0.02)     0.00     (0.01)

                     Basic EPS, Restated        1.93     0.67      0.65      0.61     2.35      0.57      0.56      0.58      0.64 
---------------------------------------------------------------------------------------------------------------------------------- 

                Diluted EPS, As reported        1.92     0.67      0.64      0.61     2.38      0.58      0.57      0.58      0.65 

                         SOP 00-3 impact       (0.01)   (0.01)    (0.00)     0.00    (0.04)    (0.01)    (0.02)    (0.00)    (0.01)

                   Diluted EPS, Restated        1.91     0.66      0.64      0.61     2.34      0.57      0.55      0.58      0.64 
---------------------------------------------------------------------------------------------------------------------------------- 
Net Income                                                                                                                         
---------------------------------------------------------------------------------------------------------------------------------- 
                                Reported       519.8    171.1     180.8     167.9    838.9     230.7     184.3     232.4     191.5 

                         SOP 00-3 impact        (3.4)    (5.9)      2.4       0.1    (20.2)     (4.3)     (8.2)     (2.3)     (5.4)

                                Restated       516.4    165.2     183.2     168.0    818.7     226.4     176.1     230.1     186.1 
---------------------------------------------------------------------------------------------------------------------------------- 

1 

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 John Hancock Financial Services, Inc.
 Exhibit - Impact of Adoption of SOP 00-3 Impact on Prior-Period Results

                                                        [Enlarge/Download Table]

                                    9/30/01                2001                12/31/00                     2000                   
                                              -----------------------------               ---------------------------------------- 
                                      YTD        Q3         Q2         Q1        YTD         Q4         Q3         Q2         Q1   
                                    -------   -------    -------    -------    -------    -------    -------    -------    ------- 
                                                                                                                                   
Net Income (continued)                                                                                                             

          Basic EPS, As reported       1.69      0.57       0.59       0.54       2.67       0.74       0.58       0.74       0.61 

                 SOP 00-3 impact      (0.01)    (0.02)      0.01       0.00      (0.07)     (0.02)     (0.02)     (0.01)     (0.02)

             Basic EPS, Restated       1.68      0.55       0.60       0.54       2.60       0.72       0.56       0.73       0.59 
---------------------------------------------------------------------------------------------------------------------------------- 

        Diluted EPS, As reported       1.68      0.56       0.58       0.54       2.65       0.73       0.58       0.73       0.61 

                 SOP 00-3 impact      (0.01)    (0.02)      0.01       0.00      (0.06)     (0.01)     (0.02)     (0.01)     (0.02)

           Diluted EPS, Restated       1.67      0.54       0.59       0.54       2.59       0.72       0.56       0.72       0.59 
---------------------------------------------------------------------------------------------------------------------------------- 
Ending shareholders' equity,                                                                                                       
including FAS 115                                                                                                                  
---------------------------------------------------------------------------------------------------------------------------------- 
                        Reported    6,119.1   6,119.1    6,039.0    6,075.3    5,779.2    5,779.2    5,594.5    5,361.1    5,200.1 

                 SOP 00-3 impact      (87.4)    (87.4)     (50.3)     (61.2)     (23.7)     (23.7)     (14.0)      (2.0)      (5.5)

                        Restated    6,031.7   6,031.7    5,988.7    6,014.1    5,755.5    5,755.5    5,580.5    5,359.1    5,194.6 
---------------------------------------------------------------------------------------------------------------------------------- 
Operating ROE,                                                                                                                     
excluding FAS 115                                                                                                                  
---------------------------------------------------------------------------------------------------------------------------------- 
                        Reported      14.11     14.53      14.15      13.57      14.57      13.02      13.40      14.08      16.73 

                 SOP 00-3 impact      (0.04)    (0.19)     (0.00)      0.07      (0.23)     (0.05)     (0.52)     (0.12)     (0.22)

                        Restated      14.07     14.34      14.15      13.64      14.34      12.97      12.88      13.96      16.51 
---------------------------------------------------------------------------------------------------------------------------------- 

2 

8-K 13th Page of 19 TOC 1st Previous Next ↓Bottom Just 13th
 John Hancock Financial Services, Inc.
 Exhibit - Impact of Adoption of SOP 00-3 Impact on Prior-Period Results

                                                        [Enlarge/Download Table]

                                                 As of      As of       As of       As of       As of       As of       As of     
                                                9/30/01    6/30/01     3/31/01    12/31/00     9/30/00     6/30/00     3/31/00    
                                               --------   --------    --------    --------    --------    --------    --------    
                                                                                                                                  
----------------------------------------------------------------------------------------------------------------------------------
Deferred Acquisition Costs                                                                                                        
----------------------------------------------------------------------------------------------------------------------------------
                 Reported - Trad only             890.0      976.7       997.5     1,029.2     1,093.9     1,120.0     1,077.6    

                      SOP 00-3 impact             165.0       97.1       117.7        41.6        22.3        (0.7)        8.5    

                 Restated - Trad only           1,055.0    1,073.8     1,115.2     1,070.8     1,116.2     1,119.3     1,086.1    

----------------------------------------------------------------------------------------------------------------------------------
Future Policy Benefits and Dividend                                                                                               
Liability, including PDO                                                                                                          
----------------------------------------------------------------------------------------------------------------------------------
                 Reported - Trad only          10,687.6   10,587.4    10,529.1    10,441.0    10,316.7    10,261.3    10,235.4    

                      SOP 00-3 impact             297.1      173.6       210.9        76.5        42.3         1.1        16.2    

                 Restated - Trad only          10,984.7   10,761.0    10,740.0    10,517.5    10,359.0    10,262.4    10.251.6    

----------------------------------------------------------------------------------------------------------------------------------
Tax Liability                                                                                                                     
----------------------------------------------------------------------------------------------------------------------------------
                 Reported - Trad only             246.5      214.0       219.0       171.9       144.7        41.1        28.8    

                      SOP 00-3 impact             (44.7)     (26.2)      (32.0)      (11.2)       (6.0)        0.2        (2.2)   

                 Restated - Trad only             201.8      187.8       187.0       160.7       138.7        41.3        26.6    

3 

8-K 14th Page of 19 TOC 1st Previous Next ↓Bottom Just 14th
Supplemental Financial Information                                              

Consolidated Income Statement                                                   
($ millions)                                                                    

                                                        [Enlarge/Download Table]

                                                        Three months ended            Twelve months ended   
                                                            December 31,                  December 31,      
                                                        2001           2000           2001           2000   
                                                      ----------------------------------------------------- 
                                                                                                            
Revenues                                                                                                    
   Premiums                                           $1,262.0       $1,089.2       $3,851.3       $3,452.1 
   Universal life and investment-type                                                                       
     product charges                                     211.1          169.3          772.5          749.3 
   Net investment income                                 975.2        1,020.5        3,944.9        3,864.8 
   Net realized investment (losses) gains                 (0.3)           1.2            3.2            3.2 
   Investment management revenues/                                                                          
     commissions/other fees                              152.7          168.5          602.9          764.8 
   Other revenue                                          72.1            4.7          186.5           17.6 
                                                      ----------------------------------------------------- 
     Total revenues                                    2,672.8        2,453.4        9,361.3        8,851.8 

Benefits and expenses                                                                                       
   Benefits to policyholders                           1,755.3        1,571.8        5,874.7        5,384.5 
   Other operating costs and expenses                    395.5          392.6        1,457.4        1,551.7 
   Amortization of deferred policy acquisition costs      57.6           67.3          306.8          242.0 
   Dividends to policyholders                            163.1          151.4          571.3          564.4 
                                                      ----------------------------------------------------- 
     Total benefits and expenses                       2,371.5        2,183.1        8,210.2        7,742.6 

   Pre-tax operating income                              301.3          270.3        1,151.1        1,109.2 

Income taxes                                              86.5           90.6          345.4          370.4 

                                                      ----------------------------------------------------- 
After-tax operating income                            $  214.8       $  179.7       $  805.7       $  738.8 
                                                      ===================================================== 

   After-tax adjustments:                                                                                   
   Realized investment (losses) gains, net               (97.7)          13.7         (160.7)          57.2 
   Class action lawsuit                                  (19.5)            --          (19.5)            -- 
   Restructuring charge                                   (5.0)          (1.9)         (27.4)         (12.0)
   Surplus tax                                             9.7           31.5           13.4           46.0 
   Demutualization expenses                                 --            3.4             --           (7.0)
   Other dumutualization related costs                      --             --             --          (10.0)
   Group pension dividend transfer                          --             --             --            5.7 
   Cumulative effect of accounting changes                  --             --            7.2             -- 
                                                      ----------------------------------------------------- 
   Net Income                                         $  102.3       $  226.4       $  618.7       $  818.7 
                                                      ===================================================== 

--more--

As required, results reflect adoption of Statement of Accounting Position 00-3, 
"Accounting by Insurance Enterprises for Demutualizations and Formations of     
Mutual Insurance Holding Companies and Certain Long-Duration Participating      
Contracts."                                                                     

8-K 15th Page of 19 TOC 1st Previous Next ↓Bottom Just 15th
Consolidated Balance Sheet                                                      
($ millions)                                                                    

                                                                [Download Table]

                                                              December 31,        
                                                       2001                 2000  
                                                    ------------------------------
                                                                                  
Assets                                                                            

Investments                                                                       
Fixed maturities:                                                                 
     Held-to-maturity - at amortized cost                                         
     (fair value: 2001- $1,914.1; 2000- $13,978.6)  $ 1,930.0            $14,158.5
     Available-for-sale - at fair value                                           
     (cost: 2001- $38,741.9; 2000- $18,208.4)        39,160.3             18,414.9
     Trading securities - at fair value                                           
     (cost: 2001- $16.4)                                 16.5                   --
Equity securities:                                                                
     Available-for-sale - at fair value                                           
     (cost: 2001- $752.3; 2001- $875.9)                 886.8              1,140.7
     Trading securities - at fair value                                           
     (cost: 2001- $289.5; 2000- $193.4)                 304.1                231.6
Mortgage loans on real estate                        10,993.2             10,900.0
Real estate, net of accumulated depreciation            442.4                519.0
Policy loans                                          2,008.2              1,969.2
Short-term investments                                  153.5                214.0
Other invested assets                                 1,786.1              1,393.7
                                                    ------------------------------
     Total Investments                               57,681.1             48,941.6

Cash and cash equivalents                             1,313.7              3,280.0
Accrued investment income                               782.1                736.2
Premiums and accounts receivable                        253.8                237.9
Deferred policy acquisition costs                     3,717.4              3,517.0
Reinsurance recoverable                               1,909.3              2,021.3
Property & equipment, net of                                                      
   accumulated depreciation                             592.6                458.6
Other assets                                          2,175.7              1,747.5
Separate accounts assets                             22,718.5             26,454.8
                                                    ------------------------------

     Total Assets                                   $91,144.2            $87,394.9
                                                    ==============================

--more--

As required, results reflect adoption of Statement of Accounting Position 00-3, 
"Accounting by Insurance Enterprises for Demutualizations and Formations of     
Mutual Insurance Holding Companies and Certain Long-Duration Participating      
Contracts."                                                                     

8-K 16th Page of 19 TOC 1st Previous Next ↓Bottom Just 16th
Consolidated Balance Sheet--continued                                           
($ millions)                                                                    

                                                        [Enlarge/Download Table]

                                                                              December 31,       
                                                                          2001            2000   
                                                                       ------------------------- 
                                                                                                 
Liabilities and Shareholders' Equity                                                             

Liabilities                                                                                      
Future policy benefits                                                 $34,938.7       $31,402.2 
Policyholders' funds                                                    20,762.8        18,782.3 
Unearned revenue                                                           809.3           671.3 
Unpaid claims and claim expense reserves                                   262.7           310.1 
Dividends payable to policyholders                                         578.1           540.6 
Short-term debt                                                             81.0           245.3 
Long-term debt                                                           1,359.1           534.0 
Income taxes                                                               866.9           575.5 
Other liabilities                                                        2,779.8         2,029.8 
Separate accounts liabilities                                           22,718.5        26,454.8 
                                                                       ------------------------- 
     Total Liabilities                                                  85,156.9        81,545.9 

Minority Interest                                                          122.3            93.5 

Shareholders' Equity                                                                             

Common stock, $.01 par value; 2.0 billion shares authorized;                                     
     315.9 million and 315.0 million shares issued, 297.4 million and                            
     312.0 million shares outstanding, in 2001 and 2000, respectively        3.2             3.2 
Additional paid in capital                                               5,099.3         5,086.4 
Retained earnings                                                        1,206.7           680.4 
Unrealized appreciation on AFS securities                                  122.7           182.7 
Foreign currency translation adjustment                                    (80.6)          (52.3)
Additional pension liability                                               (37.9)          (53.1)
Cash flow hedges                                                            (3.8)             -- 
Change in accounting principles                                            227.6              -- 
Treasury stock, at cost (18.5 million and 3.0 million                                            
     shares, in 2001 and 2000, respectively)                              (672.2)          (91.8)
                                                                       ------------------------- 
     Total Shareholders' Equity                                          5,865.0         5,755.5 
                                                                       ------------------------- 

                                                                       ------------------------- 
     Total Liabilities and Shareholders' Equity                        $91,144.2       $87,394.9 
                                                                       ========================= 

--more--

As required, results reflect adoption of Statement of Accounting Position 00-3, 
"Accounting by Insurance Enterprises for Demutualizations and Formations of     
Mutual Insurance Holding Companies and Certain Long-Duration Participating      
Contracts."                                                                     

8-K 17th Page of 19 TOC 1st Previous Next ↓Bottom Just 17th
Consolidated Statement of Changes in Stockholders' Equity                       
and Comprehensive Income                                                        
($ millions)                                                                    

                                                        [Enlarge/Download Table]

                                                                                       Accumulated                                
                                                         Additional                       Other                         Total     
                                             Common       Paid in         Retained    Comprehensive   Treasury      Shareholders' 
                                              Stock       Capital         Earnings        Income        Stock           Equity    
                                             ------------------------------------------------------------------------------------ 
                                                                                                                                  
Balance at January 1, 2000..................     --             --        $4,825.0        ($33.9)           --           $4,791.1 

Demutualization transaction.................   $2.2       $3,369.8        (4,869.0)                                      (1,497.0)
Initial public offering.....................    1.0        1,656.7                                                        1,657.7 
Additional paid in capital..................                  59.9                                                           59.9 

Comprehensive income:                                                                                                             
  Net income before demutualization.........                                  44.0                                           44.0 
  Net income after demutualization..........                                 774.7                                          774.7 
                                                                          --------                                       -------- 
  Net income for the period.................                                 818.7                                          818.7 

  Other comprehensive income, net of tax:                                                                                         
  Net unrealized gains (losses).............                                                 122.1                          122.1 
  Foreign currency translation adjustment...                                                 (19.1)                         (19.1)
  Minimum pension liability.................                                                   8.2                            8.2 
                                                                                                                         -------- 
Comprehensive income........................                                                                                929.9 

Treasury stock acquired.....................                                                             (91.8)             (91.8)
Dividends paid to shareholders..............                                 (94.3)                                         (94.3)
                                             ------------------------------------------------------------------------------------ 
Balance at December 31, 2000................   $3.2       $5,086.4          $680.4           $77.3      $(91.8)          $5,755.5 
                                             ==================================================================================== 

Balance at January 1, 2001..................   $3.2       $5,086.4          $680.4           $77.3      $(91.8)          $5,755.5 

Additional paid in capital..................                  12.9                                                           12.9 
Comprehensive income:                                                                                                             
  Net income for the period.................                                 618.7                                          618.7 
  Other comprehensive income, net of tax:                                                                                         
  Net unrealized gains (losses).............                                                 (59.9)                         (59.9)
  Foreign currency translation adjustment...                                                 (28.4)                         (28.4)
  Minimum pension liability.................                                                  15.2                           15.2 
  Cash flow hedges..........................                                                  (3.8)                          (3.8)
                                                                                                                         -------- 
Comprehensive income........................                                                                                541.8 

Treasury stock acquired.....................                                                            (580.4)            (580.4)
Dividends paid to shareholders..............                                 (92.4)                                         (92.4)
Change in accounting principles.............                                                 227.6                          227.6 
                                             ------------------------------------------------------------------------------------ 
Balance at December 31, 2001................   $3.2       $5,099.3        $1,206.7          $228.0     $(672.2)          $5,865.0 
                                             ==================================================================================== 

--more--

As required, results reflect adoption of Statement of Accounting Position 00-3, 
"Accounting by Insurance Enterprises for Demutualizations and Formations of     
Mutual Insurance Holding Companies and Certain Long-Duration Participating      
Contracts."                                                                     

8-K 18th Page of 19 TOC 1st Previous Next ↓Bottom Just 18th
Consolidated Statement of Changes in Stockholders' Equity                       
and Comprehensive Income                                                        
($ millions)                                                                    

                                                        [Enlarge/Download Table]

                                                                                        Accumulated                              
                                                        Additional                         Other                       Total     
                                             Common      Paid in         Retained      Comprehensive   Treasury    Shareholders' 
                                             Stock       Capital         Earnings          Income       Stock         Equity     
                                             ----------------------------------------------------------------------------------- 
                                                                                                                                 
Balance at October 1, 2000..................  $3.2       $5,087.0          $548.3          ($57.9)       $0.0           $5,580.6 

Additional paid in capital..................                 (0.6)                                                          (0.6)

Comprehensive income:                                                                                                            
  Net income for the period.................                                226.4                                          226.4 

  Other comprehensive income, net of tax:                                                                                        
  Net unrealized gains (losses).............                                                110.7                          110.7 
  Foreign currency translation adjustment...                                                 (0.2)                          (0.2)
  Minimum pension liability.................                                                 24.7                           24.7 
                                                                                                                        -------- 
Comprehensive income........................                                                                               361.6 

Treasury stock acquired.....................                                                            (91.8)             (91.8)
Dividends paid to shareholders..............                                (94.3)                                         (94.3)

                                             ----------------------------------------------------------------------------------- 
Balance at December 31, 2000................  $3.2       $5,086.4          $680.4           $77.3      ($91.8)          $5,755.5 
                                             =================================================================================== 

Balance at October 1, 2001..................  $3.2       $5,096.1        $1,196.8          $319.5     ($584.0)          $6,031.6 

Additional paid in capital..................                  3.2                                                            3.2 
Comprehensive income:                                                                                                            
  Net income for the period.................                                102.3                                          102.3 
  Other comprehensive income, net of tax:                                                                                        
  Net unrealized gains (losses).............                                                (81.8)                         (81.8)
  Foreign currency translation adjustment...                                                 (6.9)                          (6.9)
  Minimum pension liability.................                                                 15.2                           15.2 
  Cash flow hedges..........................                                                (18.0)                         (18.0)
                                                                                                                        -------- 
Comprehensive income........................                                                                                10.8 

Treasury stock acquired.....................                                                            (88.2)             (88.2)
Dividends paid to shareholders..............                                (92.4)                                         (92.4)

                                             ----------------------------------------------------------------------------------- 
Balance at December 31, 2001................  $3.2       $5,099.3        $1,206.7          $228.0     ($672.2)          $5,865.0 
                                             =================================================================================== 

--more--

As required, results reflect adoption of Statement of Accounting Position 00-3, 
"Accounting by Insurance Enterprises for Demutualizations and Formations of     
Mutual Insurance Holding Companies and Certain Long-Duration Participating      
Contracts."                                                                     

8-K Last Page of 19 TOC 1st Previous Next ↓Bottom Just 19th
December 31, 2001                                                               
Sales by Segment                                                                

Protection                                                                      
($ millions)                                                                    

                                                        [Enlarge/Download Table]

----------------------------------------------------------------------------------------------------------------
                                               Q4            Q4        %         Full         Full          %   
                                              2001          2000     Change      2001         2000       Change 
----------------------------------------------------------------------------------------------------------------
                                                                                                                
                       Variable life          $37.2        $43.7      -15%      $124.5       $152.5        -18% 
----------------------------------------------------------------------------------------------------------------
                      Long-term care          $28.6        $27.7        3%      $119.0       $111.6          7% 
----------------------------------------------------------------------------------------------------------------
              Universal, Term, Whole          $27.2        $15.8       72%       $69.5        $63.1         10% 
----------------------------------------------------------------------------------------------------------------
                                COLI          $20.7        $14.7       41%      $112.6        $53.4        111% 
----------------------------------------------------------------------------------------------------------------
                                BOLI           $4.2         $0.8      425%       $12.2         $0.8       1425% 
----------------------------------------------------------------------------------------------------------------

Asset Gathering                                                                 
($ millions)                                                                    

                                                        [Enlarge/Download Table]

----------------------------------------------------------------------------------------------------------------
                                              Q4           Q4          %        Full         Full           %   
                                             2001         2000       Change     2001         2000         Change
----------------------------------------------------------------------------------------------------------------
                                                                                                                
                     Fixed annuities         $420.0       $266.9       57%    $1,463.6       $854.3         71% 
----------------------------------------------------------------------------------------------------------------
                  Variable annuities         $155.2       $280.8      -45%      $639.6     $1,120.8        -43% 
----------------------------------------------------------------------------------------------------------------
              Total retail annuities         $575.2       $547.7        5%    $2,103.2     $1,975.1          6% 
----------------------------------------------------------------------------------------------------------------
                        Mutual funds       $1,409.2     $1,203.2       17%    $5,001.4     $5,307.0         -6% 
----------------------------------------------------------------------------------------------------------------

Guaranteed & Structured Financial Products                                      
($ millions)                                                                    

                                                        [Enlarge/Download Table]

----------------------------------------------------------------------------------------------------------------
                                               Q4          Q4          %        Full         Full           %   
                                              2001        2000       Change     2001         2000         Change
----------------------------------------------------------------------------------------------------------------
                                                                                                                
             GICs/Funding Agreements         $822.2     $1,281.4      -36%    $4,635.1     $3,830.4         21% 
----------------------------------------------------------------------------------------------------------------
                     Group annuities         $463.5       $386.8       20%      $900.5       $737.0         22% 
----------------------------------------------------------------------------------------------------------------
          Fee-based pension products         $122.0       $100.6       21%      $219.7       $219.3          0% 
----------------------------------------------------------------------------------------------------------------

Investment Management                                                           
($ millions)                                                                    

                                                        [Enlarge/Download Table]

----------------------------------------------------------------------------------------------------------------
                                              Q4           Q4          %        Full         Full           %   
                                             2001         2000       Change     2001         2000         Change
----------------------------------------------------------------------------------------------------------------
                                                                                                                
             Independence Investment         $755.7       $819.3       -8%    $2,433.9     $1,796.4         35% 
----------------------------------------------------------------------------------------------------------------
                         Other sales         $444.4       $849.0      -48%    $1,072.8     $1,851.9        -42% 
----------------------------------------------------------------------------------------------------------------
                               Total       $1,200.1     $1,668.3      -28%    $3,506.7     $3,648.3         -4% 
----------------------------------------------------------------------------------------------------------------

Assets Under Management                                                         
($ millions)                                                                    

                                                        [Enlarge/Download Table]

-----------------------------------------------------------------------------------------
                                         December 31, 2001         December 31, 2000     
-----------------------------------------------------------------------------------------
                                                                                         
                     General Account          $58,503.5                 $52,131.1        
-----------------------------------------------------------------------------------------
                    Separate Account          $22,718.5                 $26,454.8        
-----------------------------------------------------------------------------------------
    (incl. elims) Third-Party Assets          $42,951.8                 $46,571.0        
-----------------------------------------------------------------------------------------
                               Total         $124,173.8                $125,156.9        
-----------------------------------------------------------------------------------------

 End of Supplement Information

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Dates Referenced Herein and Documents Incorporated by Reference

		Referenced-On Page
This ‘8-K’ Filing	Date	First	Last	Other Filings

Filed on:	2/7/02	3
For Period End:	2/6/02	1	4
	12/31/01	9	19	10-K405
	10/1/01	18
	2/14/01	10		5, SC 13G, SC 13G/A
	2/7/01	10		SC 13G/A
	1/1/01	17
	12/31/00	10	19	10-K405, 4, 5
	10/1/00	18
	2/1/00	4		3, 3/A
	1/1/00	17
				List all Filings

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Filing Submission 0001010521-02-000057 – Alternative Formats (Word / Rich Text, HTML, Plain Text, et al.)

Hancock John Financial Services Inc – ‘8-K’ for 2/6/02

On: Thursday, 2/7/02 · For: 2/6/02 · Accession #: 1010521-2-57 · File #: 1-15607

Previous ‘8-K’: ‘8-K’ on 12/5/01 for 11/29/01 · Next: ‘8-K’ on 5/3/02 for 5/2/02 · Latest: ‘8-K’ on 6/30/05 for 6/29/05

Current Report — Form 8-KFiling Table of Contents

Document Table of Contents

Dates Referenced Herein and Documents Incorporated by Reference

Current Report — Form 8-K
Filing Table of Contents