Emclaire Financial Corp (EMCF) Financial Statements (2024 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
Q3
6/30/2022
Q2
3/31/2022
Q1
12/31/2021
Q4
9/30/2021
Q3
6/30/2021
Q2
3/31/2021
Q1
ASSETS
Current Assets
Cash, cash equivalents, and short-term investments11,6579,5549,08538,07150,52757,929
Cash and cash equivalents11,6549,5499,08038,06650,51857,916
Short-term investments3555913
Total current assets:11,6579,5549,08538,07150,52757,929
Noncurrent Assets
Property, plant and equipment16,01916,29216,44416,59916,77018,095
Intangible assets, net (including goodwill), including:25,09425,09425,09425,09425,09425,094
Goodwill19,46019,46019,46019,46019,46019,460
Intangible assets, net (excluding goodwill)8228618999371,0051,044
Other undisclosed intangible assets, net (including goodwill)4,8124,7734,7354,6974,6294,590
Total noncurrent assets:41,11341,38641,53841,69341,86443,189
Other undisclosed assets996,9741,006,6321,008,8851,005,2101,014,668966,593
TOTAL ASSETS:1,049,7441,057,5721,059,5081,084,9741,107,0591,067,711
LIABILITIES AND EQUITY
Liabilities
Current Liabilities
Debt18,0003,0507,0502,0502,0502,050
Total current liabilities:18,0003,0507,0502,0502,0502,050
Noncurrent Liabilities
Other undisclosed liabilities951,542967,860955,499988,4841,011,776974,791
Total liabilities:969,542970,910962,549990,5341,013,826976,841
Equity
Equity, attributable to parent80,20286,66296,95994,44093,23390,870
Preferred stock 4,2064,2064,2064,2064,2064,206
Common stock3,5473,5473,5473,5293,5293,529
Treasury stock, value(2,114)(2,114)(2,114)(2,114)(2,114)(2,114)
Additional paid in capital47,86647,76547,64547,53647,42447,312
Accumulated other comprehensive loss(25,030)(17,182)(5,177)(5,799)(4,336)(5,564)
Retained earnings51,72750,44048,85247,08244,52443,501
Total equity:80,20286,66296,95994,44093,23390,870
TOTAL LIABILITIES AND EQUITY:1,049,7441,057,5721,059,5081,084,9741,107,0591,067,711

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

9/30/2022
Q3
6/30/2022
Q2
3/31/2022
Q1
12/31/2021
Q4
9/30/2021
Q3
6/30/2021
Q2
3/31/2021
Q1
Revenues8,8498,6029,06010,0658,6369,131
Net investment income8,9568,5968,9799,7448,5369,029
Cost of revenue
(Provision for Loan, Lease, and Other Losses)
(375) (416)(125)(250)(275)
Gross profit:8,4748,6028,6449,9408,3868,856
Operating expenses(561)(520)(251)(336)(306)(309)
Operating income:7,9138,0828,3939,6048,0808,547
Nonoperating income
(Bank Owned Life Insurance Income)
1581391279511795
Interest and debt expense(931)(927)(1,104)(1,179)(1,395)(1,446)
Income from continuing operations before equity method investments, income taxes:7,1407,2947,4168,5206,8027,196
Other undisclosed loss from continuing operations before income taxes(4,332)(4,340)(4,085)(4,411)(4,473)(4,581)
Income from continuing operations before income taxes:2,8082,9543,3314,1092,3292,615
Income tax expense(571)(518)(643)(734)(395)(441)
Income from continuing operations:2,2372,4362,6883,3751,9342,174
Income before gain (loss) on sale of properties:2,2372,4362,6883,3751,9342,174
Net income attributable to parent:2,2372,4362,6883,3751,9342,174
Preferred stock dividends and other adjustments(102) (101) (95) 
Net income available to common stockholders, diluted:2,1352,4362,5873,3751,8392,174

Comprehensive Income ($ in thousands)

9/30/2022
Q3
6/30/2022
Q2
3/31/2022
Q1
12/31/2021
Q4
9/30/2021
Q3
6/30/2021
Q2
3/31/2021
Q1
Net income:2,2372,4362,6883,3751,9342,174
Other comprehensive income (loss)2,0863,191636389(326)553
Comprehensive income:4,3235,6273,3243,7641,6082,727
Other undisclosed comprehensive income (loss), net of tax, attributable to parent(9,934)(15,196)(14)(1,852)1,554(2,633)
Comprehensive income (loss), net of tax, attributable to parent:(5,611)(9,569)3,3101,9123,16294

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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