Emclaire Financial Corp (EMCF) Financial Statements (2025 and earlier)

Company Profile

Business Address 612 MAIN ST
EMLENTON, PA 16373
State of Incorp. PA
Fiscal Year End December 31
Industry (SIC) 6021 - National Commercial Banks (benchmarking)
More info Complete Financial Analysis Financial Benchmarking

Balance Sheet (Statement of Financial Position) ($ in thousands)

9/30/2022
MRQ
12/31/2021
12/31/2020
12/31/2019
12/31/2018
12/31/2017
12/31/2016
ASSETS
Current Assets
Cash, cash equivalents, and short-term investments 9,08537,45415,00517,70014,37417,568
Cash and cash equivalents 9,08037,43914,98617,69314,37417,568
Short-term investments 515197  
Total current assets: 9,08537,45415,00517,70014,37417,568
Noncurrent Assets
Property, plant and equipment 16,44418,20219,04118,91118,01018,282
Intangible assets, net (including goodwill), including: 25,09425,09425,09425,08214,71414,547
Goodwill 19,46019,46019,46019,44810,28810,288
Intangible assets, net (excluding goodwill) 8991,0831,2471,423481560
Other undisclosed intangible assets, net (including goodwill) 4,7354,5514,3874,2113,9453,699
Total noncurrent assets: 41,53843,29644,13543,99332,72432,829
Other undisclosed assets 1,008,885951,573856,156837,182702,986641,738
TOTAL ASSETS: 1,059,5081,032,323915,296898,875750,084692,135
LIABILITIES AND EQUITY
Liabilities
Current Liabilities
Debt 7,0502,0502,05012,8502,5009,500
Total current liabilities: 7,0502,0502,05012,8502,5009,500
Noncurrent Liabilities
Other undisclosed liabilities 955,499938,793827,388806,017688,493628,562
Total liabilities: 962,549940,843829,438818,867690,993638,062
Equity
Equity, attributable to parent 96,95991,48085,85880,00859,09154,073
Preferred stock 4,2064,2064,2064,206  
Common stock 3,5473,5293,5133,5012,9662,818
Treasury stock, value (2,114)(2,114)(2,114)(2,114)(2,114)(2,114)
Additional paid in capital 47,64547,20046,75746,40131,03127,900
Accumulated other comprehensive loss (5,177)(3,484)(5,335)(6,357)(5,518)(4,491)
Retained earnings 48,85242,14338,83134,37132,72629,960
Total equity: 96,95991,48085,85880,00859,09154,073
TOTAL LIABILITIES AND EQUITY: 1,059,5081,032,323915,296898,875750,084692,135

Income Statement (P&L) ($ in thousands)

9/30/2022
TTM
12/31/2021
12/31/2020
12/31/2019
12/31/2018
12/31/2017
12/31/2016
Revenues 36,92337,01735,84030,68326,15823,239
Net investment income 36,28836,77635,72630,66426,15823,239
Cost of revenue (1,066)(3,247)(715)(1,280)(903)(464)
Provision for loan, lease, and other losses (1,066)(3,247)(715)(1,280)
Financial services costs(903)(464)
Gross profit: 35,85733,77035,12529,40325,25522,775
Operating expenses (1,202)(1,005)(1,104)(4,827)(11,464)(10,133)
Operating income: 34,65532,76534,02124,57613,79112,642
Nonoperating income
(Bank Owned Life Insurance Income)
 435401566401  
Interest and debt expense (5,124)(8,062)(8,083)(5,386)(4,493)(3,945)
Income from continuing operations before equity method investments, income taxes: 29,96625,10426,50419,5919,2988,697
Other undisclosed loss from continuing operations before income taxes (17,581)(16,921)(16,888)(14,747)(2,907)(3,463)
Income from continuing operations before income taxes: 12,3858,1839,6164,8446,3915,234
Income tax expense (2,214)(1,435)(1,662)(633)(2,114)(1,248)
Income from continuing operations: 10,1716,7487,9544,2114,2773,986
Income before gain (loss) on sale of properties:10,1716,7487,9544,2114,2773,986
Net income attributable to parent: 10,1716,7487,9544,2114,2773,986
Preferred stock dividends and other adjustments (196)(186)(182)(91)  
Net income available to common stockholders, diluted: 9,9756,5627,7724,1204,2773,986

Comprehensive Income ($ in thousands)

9/30/2022
TTM
12/31/2021
12/31/2020
12/31/2019
12/31/2018
12/31/2017
12/31/2016
Net income: 10,1716,7487,9544,2114,2773,986
Other comprehensive income (loss) 1,251(1,096)1,022(652)(164)(729)
Comprehensive income: 11,4225,6528,9763,5594,1133,257
Other undisclosed comprehensive income (loss), net of tax, attributable to parent (2,944)2,947    
Comprehensive income, net of tax, attributable to parent: 8,4788,5998,9763,5594,1133,257

Statements Sources

The financial statements are based on the Company's filings with the U.S. Securities and Exchange Commission (SEC) through the Electronic Data Gathering, Analysis, and Retrieval system (EDGAR). The information is derived from the 10-K and 10-Q reports submitted to the SEC in XBRL (eXtensible Business Reporting Language) format and presented according to the US GAAP Taxonomy. Please review the original filings for a more detailed information.

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