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Emclaire Finl Cor (EMCF)

Emclaire Finl Cor (EMCF)
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Emclaire Financial Corp. is a financial holding company that provides a range of retail and commercial financial products and services to customers in western Pennsylvania through its wholly owned subsidiary bank, the Farmers National Bank of Emlenton. The Company provides a range of financial services to individuals and businesses through its offices in western Pennsylvania. Its primary deposit products are checking, savings and certificate of deposit accounts and its primary lending products are residential and commercial mortgages, commercial business and consumer loans. The Bank also provides investment advisory services through its Farmers National Financial Services division. Headquartered in Emlenton, Pennsylvania, the company's mission is to deliver quality banking services and remain a strong, independent, community bank offering friendly, personal service through highly motivated, well-trained employees with local decision making authority.

Fiscal Year End Date: 12/31

(Values in U.S. Thousands) Dec, 2021 Dec, 2020 Dec, 2019 Dec, 2018 Dec, 2017
Sales 41,170 41,510 40,540 35,170 31,420
Sales Growth -0.82% +2.39% +15.27% +11.94% +16.03%
Net Income 10,170 6,750 7,950 4,210 4,280
Net Income Growth +50.67% -15.09% +88.84% -1.64% +7.27%
(Values in U.S. Thousands) Dec, 2021 Dec, 2020 Dec, 2019 Dec, 2018 Dec, 2017
Total Assets 1,059,510 1,032,320 915,300 898,880 750,080
Total Assets Growth +2.63% +12.78% +1.83% +19.84% +8.37%
Total Liabilities 962,550 940,840 829,440 818,870 690,990
Total Liabilities Growth +2.31% +13.43% +1.29% +18.51% +8.30%
(Values in U.S. Thousands) Dec, 2021 Dec, 2020 Dec, 2019 Dec, 2018 Dec, 2017
Operating Cash Flow 18,490 9,530 10,430 6,610 8,210
Operating Cash Flow Growth +94.02% -8.63% +57.79% -19.49% +45.05%
Net Cash Flow -28,360 22,450 4,030 3,320 -3,190
Change in Net Cash Flow -226.33% +457.07% +21.39% +204.08% -152.99%
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