MONARCH COMMUNITY BANCORP INC
Financials · National Commercial Banks · MD · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|
| Revenue | — | — | — | — |
| Operating income | — | — | — | — |
| Net income | −$2.2M | −$353,000 | −$353,000 | −$10.9M |
| Total assets | $171.0M | $190.3M | $208.1M | $256.9M |
| Total liabilities | $151.2M | $179.9M | $197.0M | $244.8M |
| Equity | $19.7M | $10.5M | $11.1M | $12.0M |
| EPS (diluted) | $-1.74 | $-1.85 | $-0.37 | $-5.68 |
| Shares out. | 2.0M | 2.0M | 2.0M | 2.0M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2013- Operating margin
- —
- Net margin
- —
- Return on equity
- −11.1%
- Return on assets
- −1.3%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 88.5%
- Debt / equity
- 7.67×
- Book value / share
- $9.62
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- —
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2013- Accruals / assets
- −2.7%clean
- Piotroski F-Score
- 4/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 1 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Kmissed a reporting deadline ↗Apr 1, 2011
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Material events
SEC Form 8-K · most recent- Shareholder vote · Other material eventMar 27, 2015
- Other material eventJan 2, 2015
- Director / officer changeDec 10, 2014
- Entered a material agreementNov 3, 2014
- Results of operationsAug 5, 2014
- Regulation FD disclosureJul 21, 2014
- Shareholder voteMay 22, 2014
- Results of operationsMay 5, 2014
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 15-12GFORM 15Mar 27, 2015
- 8-KMar 27, 2015
- 425425 CHFC 2014 LETTER TO SHAREHOLDERSMar 6, 2015
- SC 13G/AFeb 13, 2015
- SC 13GFeb 9, 2015
- SC 13G/AFeb 6, 2015
- EFFECTJan 15, 2015
- 8-KJan 2, 2015
- S-8 POSDec 30, 2014
- S-8 POSDec 30, 2014
- S-8 POSDec 30, 2014
- POS AMDec 30, 2014
- 8-KDec 10, 2014
- 4PRIMARY DOCUMENTDec 4, 2014
- 10-QQUARTERLY REPORTNov 14, 2014
Event-driven situations (1)
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