Dana Incorporated
DAN
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Dana Incorporated - 10-Q quarterly report FY


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1
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 10-Q

[X] Quarterly Report Pursuant to Section 13 or 15(d)
Of the Securities Exchange Act of 1934

Commission
For the Quarterly Period Ended June 30.1996 File Number 1-1063
------------ ------


Dana Corporation
- ------------------------------------------------------------------------------
(Exact Name of Registrant as Specified in its Charter)

Virginia 34-4361040
- ---------------------------------------- ----------------------------------
(State or other jurisdiction (IRS Employer
of incorporation or organization) Identification Number)

4500 Dorr Street, Toledo, Ohio 43615
- ---------------------------------------- ----------------------------------
(Address of Principal Executive Offices) (Zip Code)


(419) 535-4500
-------------------------------------------------
(Registrants telephone number, including area code)

Indicate by check mark whether the Registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
Registrant was required to file such reports), and (2) has been subject to such
filing requirements for the past 90 days.


Yes X No
--- ---

Indicate the number of shares outstanding of each of the issuer's classes
of common stock, as of the latest practicable date.

Class Outstanding at June 30.1996
-------------------------- ---------------------------
Common stock, $1 par value 101,719,719
2

DANA CORPORATION AND CONSOLIDATED SUBSIDIARIES
INDEX

<TABLE>
<CAPTION>
Page Number
-----------
<S> <C>
Cover 1

Index 2

Part I. Financial Information

Item 1. Financial Statements

Condensed Balance Sheet
December 31, 1995 and
June 30,1996 3

Statement of Income
Three Months and Six Months Ended
June 30,1995 and 1996 4

Condensed Statement of Cash Flows
Six Months Ended
June 30,1995 and 1996 5

Notes to Condensed Financial Statements 6

Item 2. Managemenfs Discussion and Analysis
of Financial Condition and Results
of Operations 7-11


Part II. Other Information

Item 1. Legal Proceedings 12

Item 2. Exhibits and Reports on Form 8-K 13

Signature 14

Exhibit Index 15

</TABLE>

2
3


PART I. FINANCIAL INFORMATION

ITEM 1. DANA CORPORATION
- -------
CONDENSED BALANCE SHEET (Unaudited)
(in Millions)

<TABLE>
<CAPTION>

Assets December 31, 1995 June 30, 1996
------ ----------------- -------------
<S> <C> <C>
Cash and Cash Equivalents $ 66.6 $ 54.7
Accounts Receivable, Net 1,081.6 1,201.2
Inventories
Raw Materials 230.1 202.0
Work in Process and Finished Goods 644.7 634.8
Lease Financing 1,004.9 1,056.3
Investments and Other Assets 1,016.7 1,000.9
Property, Plant and Equipment 3,337.3 3,448.8
Less: Accumulated Depreciation 1,687.8 1,735.7
------- -------
Total Assets $ 5,694.1 $ 5,863.0
======= =======

Liabilities and Shareholders' Equity
- ------------------------------------

Accounts Payable and Other Liabilities $ 1,173.0 $ 1,214.3
Short-Term Debt 791.4 769.1
Long-Term Debt 1,315.1 1,343.7
Deferred Employee Benefits 1,096.2 1,091.6
Minority Interest 153.8 165.0
Shareholders' Equity 1,164.6 1,279.3
------- -------
Total Liabilities and
Shareholders' Equity $ 5,694.1 $ 5,863.0
======= =======
</TABLE>

3
4

ITEM 1. (Continued)
- -------
DANA CORPORATION

STATEMENT OF INCOME (Unaudited)

(in Millions Except Per Share Amounts)
<TABLE>
<CAPTION>
Three Months Ended June 30 Six Months Ended June 30
-------------------------- ------------------------
1995 1996 1995 1996
---- ---- ---- ----

<S> <C> <C> <C> <C>
Net Sales $ 1,968.8 $ 2,020.5 $ 3,893.2 $ 3,993.2
Revenue from Lease Financing
and Other Income 47.0 49.0 94.6 112.5
------- ------- ------- -------

2,015.8 2,069.5 3,987.8 4,105.7
------- ------- ------- -------

Cost of Sales 1,654.2 1,700.0 3,288.4 3,377.3
Selling, General and
Administrative Expenses 173.1 190.2 336.0 372.0
Interest Expense 36.0 37.0 69.1 75.5
------- ------- ------- -------

1,863.3 1,927.2 3,693.5 3,824.8
------- ------- ------- -------

Income Before Income Taxes 152.5 142.3 294.3 280.9
Estimated Taxes on Income (58.0) (49.4) (116.5) (103.4)
Minority Interest (11.0) (7.0) (20.4) (15.0)
Equity in Earnings of Affiliates 5.6 5.6 (9.1) 7.7
------- ------- ------- -------

Net Income $ 89.1 $ 91.5 $ 148.3 $ 170.2
======= ======= ======= =======
Net Income Per Common Share $ .88 $ .90 $ 1.47 $ 1.68
======= ======= ======= =======

Dividends Declared and Paid per
Common Share $ .23 $ .25 $ .44 $ .48
Average Number of Shares Outstanding 101.2 101.6 101.2 101.6
</TABLE>

4
5



ITEM 1. (Continued)
- -------

DANA CORPORATION

CONDENSED STATEMENT OF CASH FLOWS (Unaudited)

(in Millions)

<TABLE>
<CAPTION>
Six Months Ended June 30
------------------------

1995 1996
---- ----
<S> <C> <C>
Net Income $ 148.3 $ 170.2
Depreciation and Amortization 114.9 131.0
Working Capital Change and Other (184.4) (14.1)
------- -----
Net Cash Flows from Operating Activities 78.8 287.1
------- -----

Purchases of Property, Plant and Equipment (168.2) (160.5)
Purchases of Assets to be Leased (168.8) (206.0)
Payments Received on Leases and Loans 124.6 150.2
Purchase of Minority Interest of Hayes-Dana, Inc. (92.4)
Other 35.0 (26.3)
------- -----
Net Cash Flows-Investing Activities (269.8) (242.6)
------- -----

Net Change in Short-Term Debt 104.5 (28.2)
Proceeds from Long-Term Debt 270.3 220.4
Payments on Long-Term Debt (175.5) (203.0)
Dividends Paid (44.5) (48.8)
Other 1.7 3.2
------- -----
Net Cash Flows-Financing Activities 156.5 (56.4)
------- -----

Net Change in Cash and Cash Equivalents (34.5) (11.9)
Cash and Cash Equivalents-beginning of year 112.2 66.6
------- -----
Cash and Cash Equivalents-end of period $ 77.7 $ 54.7
======= =====
</TABLE>

5
6


ITEM 1 (Continued)
- ------

NOTES TO CONDENSED FINANCIAL STATEMENTS

(in Millions Except Per Share Amounts)

1. In the opinion of management, all normal recurring adjustments necessary to
a fair presentation of results for the unaudited interim periods have been
included.

2. In accordance with generally accepted accounting principles, Dana's
wholly-owned financial subsidiary, Dana Credit Corporation (DCC), is
included in the consolidated financial statements. The following is a recap
of the revenue, net income, total assets, total liabilities and
shareholders equity of this subsidiary (unaudited):

<TABLE>
<CAPTION>
DANA CREDIT CORPORATION
-----------------------

Three Months Ended June 30 Six Months Ended June 30
-------------------------- ------------------------
1995 1996 1995 1996
---- ---- ---- ----
<S> <C> <C> <C> <C>
Revenue $ 52.0 $ 58.2 $ 93.6 $118.2
Net Income 6.4 8.4 11.3 15.9
</TABLE>

<TABLE>
<CAPTION>
December 31. 1995 June 30, 1996
----------------- -------------
<S> <C> <C>
Total Assets $1,386.7 $1,495.6
Total Liabilities 1,282.1 1,380.7
------- -------

Shareholders Equity $ 104.6 $ 114.9
======= =======
</TABLE>

3. In the first quarter of 1995, Dana recorded a non-operating charge of
approximately $18 (17 cents per share) for its proportionate share of
translation losses incurred by its Mexican affiliate, Spicer S.A. de C.V.,
due to the devaluation of the Mexican peso.

4. In the first quarter of 1995, Dana made a tender offer for all of the
outstanding shares of Hayes-Dana, Inc. that it did not own. At June
30,1995, Dana had increased its ownership in Hayes-Dana from 57 percent to
100 percent.


6
7


lTEM 2. MANAGEMENT'S DISCUSSION AND ANALYSIS OF
- ------- ---------------------------------------
FINANCIAL CONDITION AND RESULTS OF OPERATIONS
---------------------------------------------

Liquidity and Capital Resources
- -------------------------------

(in Millions)

<TABLE>
<CAPTION>
--------------------------------
Capital Expenditures
--------------------------------
Six Months Year Ended
Ended June 30 December31
--------------------------------
<S> <C> <C>
1994 $128 337
--------------------------------
1995 168 410
--------------------------------
1996 161 330*
--------------------------------
<FN>
*Projected
</TABLE>

Capital Expenditures for Dana Corporation and its
consolidated subsidiaries (Dana) year-to-date 1996 were $7 lower
than for the same period in 1995 end are projected to be
approximately $80 lower for the year than the record $410 spent
in 1995. The $330 projected for 1996 is about equal to 1994's
expenditures.

Dana supplements internal cash flow with the issuance of
short and long-term debt. As a result of strong operating cash
flows, Dana's consolidated debt increased only $6 over 1995's
year end position. Dana's, excluding Dana Credit Corporation's
(DCC's), total debt increased $12 over 1995's year end level
while DCC's decreased $6.

<TABLE>
<CAPTION>
------------------------------
Cash Flows From Operations For
Six Months Ended June 30
------------------------------
<S> <C>
1994 $144
------------------------------
1995 79
------------------------------
1996 287
------------------------------
</TABLE>

Dana's consolidated short-term debt decreased $22 since December 31, 1995,
with Dana's, excluding DCC's, increasing $21 and DCC's decreasing $43. Dana's,
excluding DCC's, borrowing lines totaled $1.4 billion at June 30, with
outstanding short-term borrowings of $355. DCC's lines were in excess of $800,
with outstanding short-term borrowings of $414.

Consolidated long-term debt of the Company increased $28 since year end
1995; Dana, excluding DCC, decreased its debt $9: and DCC increased its debt
$37.

The Company anticipates that net cash flows from operating activities,
along with currently available financing sources, will be sufficient to meet
Dana's funding requirements for 1996.

7
8


ITEM 2. Liquidity and Capital Resources (continued)
- ---------------------------------------------------

(in Millions)

Dana's management and legal counsel have reviewed the legal proceedings to
which the Company and its subsidiaries were parties as of June 30,1996
(including, among others, those involving product liability claims and alleged
violations of environmental laws) and concluded that neither the liabilities
that may result from these legal proceedings nor the timing of the cash flows
for these liabilities is likely to have a material adverse effect on the
Company's liquidity, financial condition or results of operations. The Company
estimates its contingent environmental and product liabilities based upon the
most probable method of remediation or outcome considering currently enacted
laws and regulations and existing technology. Measurement of liabilities is made
on an undiscounted basis and excludes the effects of inflation and other
societal and economic factors. In those cases where there is a range of equally
probable remediation methods or outcomes, the Company accrues at the lower end
of the range. At June 30,1996, the Company's accruals were $73 for product
liability costs (products) and $53 for environmental liability costs
(environmental), compared to $73 for products and $49 for environmental at
December 31,1995. The difference between the Company's minimum and maximum
estimates for contingent liabilities, while not considered material, was $4 for
products and $4 for environmental at June 30,1996, compared to $4 for products
and $3 for environmental at December 31, 1995. Probable recoveries of $53 for
products and $10 for environmental from insurance or third parties have been
recorded as assets at June 30,1996, compared to $43 for products and $10 for
environmental at December 31,1995.

In May 1996, the Company settled all remaining claims in the 1992 lawsuit,
UNITED STATES V. DANA CORPORATION, without any finding of liability or admission
- ---------------------------------
of wrongdoing by Dana. In this suit, the Department of Justice, on behalf of the
United States, had sued the Company, Warner Electric Brake and Clutch Company,
Inc. and Beaver Precision Products, Inc. ("Beaver"), in the U.S. District Court,
Eastern District of Michigan under the federal False Claims Act and various
common law theories. The complaint alleged overcharging on U.S. government
contracts or subcontracts awarded to Beaver in the late 1970s and the 1980s. In
1995, Dana and the Department of Justice settled the claims relating to 16
government contracts included in the complaint without any finding of liability
or admission of wrongdoing by Dana, and the Company paid the government $19.5,
which included payment for the government's alleged damages, interest, and costs
of investigation and litigation with respect to those claims. A tentative
settlement relating to the remaining claims was reached in the fourth quarter of
1995 and final settlement was made in May 1996. Under terms of this settlement,
the Company paid the government $10.175, which included payment for alleged
damages, interest and cost of investigation and litigation with respect to those
claims. The company had accrued for this settlement in the fourth quarter of
1995 and the payment did not have a material adverse effect on its liquidity and
financial condition.


8
9

ITEM 2. (Continued)
- -------
Results of Operations (Second Quarter 1996 vs Second Quarter 1995)
- -------------------------------------------------------------------

(in Millions)

Dana's worldwide quarterly sales topped the two billion
dollar plateau for the first time in the second quarter and
exceeded 1995's second quarter by 3%. Worldwide unit volume
increases of light trucks and sport utility vehicles and
sales from recent acquisitions helped offset weakened U.S.
demand for heavy trucks.
<TABLE>
<CAPTION>
----------------------------------------
Second Quarter Sales
----------------------------------------
%
1995 1996 Change
----------------------------------------
<S> <C> <C> <C>
U.S. $1,439 $1,454 1
----------------------------------------
International 530 566 7
----------------------------------------
Total $1,969 $2,020 3
----------------------------------------
</TABLE>

<TABLE>
<CAPTION>
- -------------------------------------------
Second Quarter Sales By Region
- -------------------------------------------
%
Region 1995 1996 Change
- -------------------------------------------
<S> <C> <C> <C>
North America $1,556 $1,554 --
- -------------------------------------------
Europe 230 269 17
- -------------------------------------------
South America 132 150 14
- -------------------------------------------
Asia Pacific 51 47 (8)
- -------------------------------------------
</TABLE>
Sales from Dana's international operations increased 7%
over 1995, primarily due to the contribution of recent
acquisitions in Europe and South America. U.S. sales
increased 1%, as light truck and sport utility vehicle sales
rose 5% over a record 1995 second quarter, while sales to
the heavy truck market decreased 15%. The Company's
worldwide aftermarket sales increased 4%, 5%
internationally and 3% in the U.S.

The Company reported a profit of $91, the highest for any quarter in Dana's
history, which represents an increase of 3% over 1995's second quarter results.

Revenue from lease financing and other income increased $2 over second
quarter 1995 as higher lease income resulted from higher DCC average asset
levels.

Dana's gross margin for the second quarter was 15.9%, comparable to 16.0%
for 1995's second quarter. U.S. margins were improved over 1995 while those of
international operations were lower, principally due to the Company's operations
in South America.

Selling, general and administrative expenses (S,G&A) increased $17 or 10%in
1996, in part due to newly acquired operations.

Dana's second quarter 1996 effective tax rate was 35% compared to 38% for
1995's second quarter. The U.S. state and local rate was lower in 1996, as was
the rate of the Company's Brazilian operations. Additionally, the rate was
marginally lower due to utilization of some capital loss carry-forwards during
the second quarter in 1996.

Minority interest in net income of subsidiaries decreased $4, primarily due
to the lower earnings recorded by Dana's majority-owned affiliates in Brazil and
Taiwan.

9
10

ITEM 2. (Continued)
- -------
Results of Operations (Six Months 1996 vs Six Months 1995)
- ----------------------------------------------------------

(in Millions)
<TABLE>
<CAPTION>
- ----------------------------------
Sales For Six Months Ended June 30
- ----------------------------------
%
1995 1996 Change
- ----------------------------------
<S> <C> <C> <C>
U.S. $2,897 $2,889 --
- ----------------------------------
International 996 1,104 11
- ----------------------------------
Total $3,893 $3 993 3
- ----------------------------------
</TABLE>

Dana's worldwide sales for the first six 1996 totaled $3,993, an increase
of 3% over the same period in 1995. This growth was primarily the result of
U.S. light truck and sport utility unit volume increases and sales from recent
acquisitions, offsetting weakened U.S. demand for heavy trucks.

Sales from Dana's international operations increased 11% over 1995,
primarily due to the contribution of recent acquisitions in Europe and South
America. U.S. sales were level with 1995, as the light truck and sport utility
vehicle increase of 5% was offset by a decrease of 12% in sales to the heavy
truck market. Dana's worldwide aftermarket sales increased 3% over 1995, 6%
internationally and 1% in the U.S.


The Company reported profits of $170 for the first six months of 1996,
a 15% increase over 1995's results for the same period. The earnings for 1995
included an $18 after tax non-operating charge for translation losses incurred
as result of the devaluation of the Mexican peso.


<TABLE>
<CAPTION>
---------------------------------------
Sales By Region For Six Months Ended
June 30
---------------------------------------
%
Region 1995 1996 Change
---------------------------------------
<S> <C> <C> <C>
North America $3,129 $3,083 (1)
---------------------------------------
Europe 427 555 30
---------------------------------------
South America 244 263 8
---------------------------------------
Asia Pacific 93 92 (1)
---------------------------------------
</TABLE>


Revenue from lease financing and other income increased $18 in 1996. DCC'S
lease-related revenue increased $11 due to higher average asset levels while
sales of fixed assets and investments within Dana's manufacturing operations
also contributed to the increase.

Dana's gross margin for the first six months of 1996 was 15.4%, comparable
to 15.5% for 1995. U.S. margins were improved over 1995 while those of
international operations were lower, principally due to the Company's operations
in South America.

S,G&A increased $36 or 11% in 1996. The increase is due in part to the
newly acquired operations.

Interest expense increased $5, as the financing of capital expenditures,
lease financing assets, acquisitions and working capital needs resulted in
higher average debt levels, particularly in the first quarter.

Dana's effective tax rate for the first half of 1996 was 37% compared to
40% for 1995's first six months. The U.S. state and local rate was lower in
1996, as was the rate of the Company's Brazilian operations. Additionally, the
rate is marginally lower due to utilization of some capital loss carry-forwards
during the second quarter in 1996.

Minority interest in net income of subsidiaries decreased $5, primarily due
to the lower earnings recorded by Dana's majority owned affiliates in Brazil and
Taiwan.

10
11


ITEM 2. (Continued)
- -------
Results of Operations (Six Months 1996 vs Six Months 1995)
- ----------------------------------------------------------

Equity in earnings of affiliates was higher in 1996 than 1995, due to the
devaluation of the Mexican peso, which resulted in a charge against earnings in
the first quarter of 1995.

Third quarter 1996 production schedules of U.S. light truck and sport
utility vehicles remain strong with the full year expected to approximate 1995's
record levels. Based upon assessment of lower demand and more than adequate
inventory levels, U.S. heavy truck production is anticipated to remain depressed
in the second half of 1996. Dana's U.S. aftermarket sales for the balance of the
year are expected to be at, or slightly above, 1995's sales. Based on these
trends, total U.S. sales are anticipated to be about equal to 1995's. Global
expansion of core products such as axles, driveshafts, gaskets, and filters are
expected to produce more rapid sales growth in other regions of the world and
this should allow Dana's overall growth to continue during the second half of
1996.



11
12


PART II. OTHER INFORMATION

ITEM 1. LEGAL PROCEEDINGS
- -------

The Company and its consolidated subsidiaries are parties to various
pending judicial and administrative proceedings arising in the ordinary course
of business. The Company's management and legal counsel have reviewed the
probable outcome of these proceedings, the costs and expenses reasonably
expected to be incurred, the availability and limits of the Company's insurance
coverage, and the Company's established reserves for uninsured liabilities.
While the outcome of the pending proceedings cannot be predicted with certainty,
based on its review, management believes that any liabilities that may result
are not reasonably likely to have a material effect on the Company's liquidity,
financial condition or results of operations.

Under the rules of the Securities and Exchange Commission, certain
environmental proceedings are not deemed to be ordinary routine proceedings
incidental to the Company's business and are required to be reported in the
Company's annual and/or quarterly reports. The Company is currently a party to
one such proceeding, which has been reported previously;

1. IN THE MATTER OF DANA CORPORATION, BOSTON WEATHERHEAD DIVISION. In 1994,
--------------------------------------------------------------
the United States Environmental Protection Agency, Region 6 ("USEPA 6") issued
an administrative Complaint, Compliance Order and Notice of Opportunity for
Hearing to the Company in connection with alleged violations of the federal
Resource Conservation and Recovery Act ("RCRA") by the Company's plant in
Vinita, Oklahoma. The alleged violations included, among others, the plant's
failure to manage and maintain hazardous waste containers, tanks and tank
systems in accordance with RCRA requirements and record keeping violations in
connection with the plants Contingency Plan. In the Compliance Order, USEPA 6
sought civil penalties of $576,640. Following negotiations, the Company and
USEPA 6 reached an agreement to settle this case in the first quarter of 1996.
In the second quarter, the settlement was finalized and on May 20,1996, the
Company paid a civil penalty of $124,550.

In May 1996, the Company settled all remaining claims in the 1992 lawsuit,
UNITED STATES V. DANA CORPORATION, without any finding of liability or admission
- ---------------------------------
of wrongdoing by Dana. In this suit, the Department of Justice, on behalf of the
United States, had sued the Company, Warner Electric Brake and Clutch Company,
Inc., and Beaver Precision Products, lnc.("Beaver"), in the U.S. District Court,
Eastern District of Michigan under the federal False Claims Act and various
common law theories. The complaint alleged overcharging on U.S. government
contracts or subcontracts awarded to Beaver in the late 1970s and the 1980s. In
1995, Dana and the Department of Justice settled the claims relating to 16
government contracts included in the complaint without any finding of liability
or admission of wrongdoing by Dana, and the Company paid the government $19.5
million, which included payment for the governments alleged damages, interest,
and costs of investigation and litigation with respect to those claims. A
tentative settlement relating to the remaining claims was reached in the fourth
quarter of 1995 and finalized on May 31, 1996. Under terms of this settlement,
the Company paid the government $10.175 million which included payment for
alleged damages, interest and cost of investigation and litigation with respect
to those claims.

12
13


ITEM 6. EXHIBITS AND REPORTS ON FORM 8-K.
- -------

a) The Exhibits listed in the "Exhibit Index" are filed as a part of this
report


b) Reports on Form 8-K.

No reports on Form 8-K were filed during the quarter ended
June 30, 1996.

13
14

SIGNATURE

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

DANA CORPORATION

Date: August 8, 1996 /s/ James E. Ayers
- --------------------- ---------------------------
James E. Ayers
Chief Financial Officer


Duly Authorized Officer and
Principal Financial Officer.

14
15


EXHIBIT INDEX
-------------

Exhibit
- -------


10-K Supplemental Benefits Plan, amended effective January 1,1996

27 Financial Data Schedule






15