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Emclaire Financial (EMCF) Annual Income Statement

Annual · GAAP · USD millions
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Reviewing income statement figures over time helps illustrate how Emclaire Financial generates earnings and manages operating expenses.
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Annual Report, GAAP in USD millions
ITEM 		(Dec 31 2021)
2021 		(Dec 31 2020) (Dec 31 2019) (Dec 31 2018) (Dec 31 2017)
Revenues
Interest and Fee Income, Loans and Leases32.74
Interest and Dividend Income, Securities, Operating3.45
Interest Income and Fees, Bankers Acceptances, Certificates of Deposit and Commercial Paper0.09
Other Income0.29
Total Interest Income36.58
Interest Expense, Deposits4.45
Interest Expense, Short-term Borrowing0.67
Interest Expense, Borrowings0.00
Total Interest Expense5.12
Net Interest Income31.46
Provision for loan losses1.07
Total Net Interest Income30.39
Bank Owned Life Insurance Income0.44
Loss / Gain on Investment0.39
Other Non-Interest Income3.77
Total Non-interest Income4.59
Total Revenues34.98
Costs & Expenses
Salaries & employee benefits, SGA11.34
Restructuring, Accretion & impairment charges0.00
Depreciation & Amortization0.19
Professional Fees1.02
Federal Deposit Insurance Corporation Premium Expense0.58
Other Noninterest Expense6.22
Total Operating Expenses22.60
Total Costs & Expenses27.72
Income & Taxes
Income /-loss before income taxes12.39
Income taxes expenses/-benefit2.21
Income after income taxes10.17
Net income/-loss of other equity0.00
Income /-loss after income taxes10.17
Net Income/-loss10.17
Preferred dividends0.20
Income/-loss to shareholder9.98
Earnings Per Share
Basic EPS (excl. extra items)3.66
Basic Net EPS3.66
Basic shares outstanding (Mill. of Units)2.72
Diluted Net EPS3.63
Diluted average shares (Mill. of Units)2.75
Dividend per share1.26
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About EMCF Annual Income Statement

What this statement shows

This page presents issuer-reported income statement data, detailing revenue, operating costs, expenses, and earnings as disclosed in SEC 10-K filings and standardized by CSIMarket. The income statement reflects operating performance over a reporting period rather than financial position at a single date.

Revenue and expense treatment

Revenue and expense items are aligned to support period-to-period comparability. Operating and non-operating items, interest, and income taxes are classified based on issuer disclosures and XBRL tagging.

Source & verification

  • Source: SEC 10-K filings
  • Filed with the SEC: n/a

Income statement figures represent operating results for each reporting period and may be revised in subsequent filings.