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Financial Highlights
EMCLAIRE FINANCIAL CORP. (NASDAQ - EMCF)
Trend Analysis--Quarterly (
click here for Annual Analysis
)
For the definition of a financial field, click on the field name.
Balance Sheet ($000)
2009 Q3
2008 Q3
Y-Y
Ch (%)
2009 Q2
Q-Q
Ch (%)
†
Loans Held for Investment, before Reserves
301,766
253,406
19.08
271,228
45.04
Loans Held for Sale, before Reserves
0
0
0.00
0
0.00
Loan Loss Reserve
3,158
2,363
33.64
2,935
30.39
Net Loans Receivable
298,608
251,043
18.95
268,293
45.20
Intangible Assets
6,371
1,422
348.03
1,422
1,392.12
Total Assets
459,283
356,908
28.68
390,614
70.32
Deposits
378,086
278,351
35.83
291,900
118.10
Debt, Senior and Subordinated
40,000
48,260
(17.12)
59,600
(131.54)
Common Equity
30,069
25,379
18.48
28,251
25.74
Total Shareholders' Equity
37,495
25,379
47.74
35,672
20.44
Shares Outstanding (actual)
1,431,404
1,267,835
12.90
1,431,404
0.00
Income Statement ($000)
2009 Q3
2008 Q3
Y-Y
Ch (%)
2009 Q2
Q-Q
Ch (%)
†
Net Interest Income
3,252
2,730
19.12
2,979
36.66
Provision for Loan Losses
240
140
71.43
540
(222.22)
Noninterest Income
703
736
(4.48)
735
(17.41)
Noninterest Expense
3,255
2,296
41.77
2,718
79.03
Net Income Before Taxes
(231)
914
NM
462
NM
Provision for Taxes
(221)
198
NM
54
NM
Net Income
(10)
716
NM
408
NM
Per Share Items ($)
2009 Q3
2008 Q3
Y-Y
Ch (%)
2009 Q2
Q-Q
Ch (%)
†
Book Value per Share
21.01
20.02
4.93
19.74
25.67
Tangible Book Value
16.56
18.90
(12.40)
18.75
(46.74)
Diluted EPS Before Extra
(0.08)
0.56
NM
0.22
NM
Diluted EPS After Extra
(0.08)
0.56
NM
0.22
NM
Dividends Declared
0.1400
0.3200
(56.25)
0.0000
NM
Performance Ratios (%)
2009 Q3
2008 Q3
Y-Y
Ch (bp)
2009 Q2
Q-Q
Ch (bp)
ROAA
(0.01)
0.83
(84)
0.43
(44)
ROAE
(0.11)
11.43
(1,154)
4.53
(464)
Net Interest Margin
3.33
3.48
(15)
3.50
(17)
Loans / Deposits
79.81
91.04
(1,122)
92.92
(1,310)
Efficiency Ratio
77.47
64.40
1,306
70.65
681
Balance Sheet Ratios (%)
2009 Q3
2008 Q3
Y-Y
Ch (bp)
2009 Q2
Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets
6.87
6.74
13
8.80
(193)
Equity/ Assets
8.16
7.11
105
9.13
(97)
Asset Quality Ratios (%)
2009 Q3
2008 Q3
Y-Y
Ch (bp)
2009 Q2
Q-Q
Ch (bp)
Nonperforming Assets/ Assets
0.64
0.22
42
0.70
(6)
Loan Loss Reserves/ Gross Loans
1.05
0.93
11
1.08
(4)
Loan Loss Reserves/ NPAs
106.83
296.49
(18,965)
106.88
(5)
Net Charge-offs/ Avg Loans
0.02
0.13
(10)
0.72
(69)
Regulatory Capital Ratios (%)
2009 Q3
2008 Q3
Y-Y
Ch (bp)
2009 Q2
Q-Q
Ch (bp)
Tier 1 Capital Ratio
11.31
9.25
206
14.33
(302)
†
Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4
*
Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.
Copyright 2009,
© SNL Financial LC
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