First Clover Leaf Financial Corp.
Financials · National Commercial Banks · MD · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY15 | FY14 | FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | — | — | — | — | $1.9M | $3.8M |
| Total assets | $654.9M | $607.6M | $622.0M | $600.8M | $562.7M | $575.0M |
| Total liabilities | $574.6M | $530.5M | $548.9M | $522.5M | $485.0M | $497.6M |
| Equity | $80.3M | $77.1M | $73.1M | $78.3M | $77.7M | $77.3M |
| EPS (diluted) | — | — | — | $0.53 | $0.24 | — |
| Shares out. | 7.0M | 7.0M | 7.3M | 7.7M | 7.7M | 7.9M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2015- Operating margin
- —
- Net margin
- —
- Return on equity
- —
- Return on assets
- —
- Return on capital (ROCE)
- —
- Liabilities / assets
- 87.7%
- Debt / equity
- 7.16×
- Book value / share
- $11.46
- 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.
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. What these scores mean →
Signs
● 1 severe● 1 warning● 1 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
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-Qmissed a reporting deadline ↗Aug 14, 2007
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.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Stevens JosephDirector | Sep 8, 2016 | U | 19,360 | — |
| Niebur Gary DDirector | Sep 8, 2016 | U | 19,204 | — |
| Gugger Joseph JDirector | Sep 8, 2016 | U | 448,893 | — |
| Highlander Kenneth PDirector | Sep 8, 2016 | U | 54,450 | — |
| Terry Dennis MDirector | Sep 8, 2016 | U | 69,412 | — |
| Kuhl P DavidOfficer — PRESIDENT AND CEO | Sep 8, 2016 | U | 13,700 | — |
| Schuetzenhofer Gerard ADirector | Sep 8, 2016 | U | 8,500 | — |
| Fowler Lisa ROfficer — EVP AND CCO | Sep 8, 2016 | U | 644 | — |
| Mcdonald Darlene FOfficer — EVP AND CFO | Sep 8, 2016 | U | 3,059 | — |
| Westerhold MaryDirector | Sep 8, 2016 | U | 1,940 | — |
| Haberer Mona B.Director | Sep 8, 2016 | U | 3,033 | — |
| Kuhl P DavidOfficer — PRESIDENT AND CEO | Sep 2, 2015 | Buy | 171 | $9.25 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsSep 9, 2016
- Shareholder vote · Other material eventSep 1, 2016
- Other material eventAug 23, 2016
- Other material eventJul 27, 2016
- Other material eventJul 19, 2016
- Other material eventApr 27, 2016
- Entered a material agreement · Director / officer change · Regulation FD disclosureApr 26, 2016
- Other material eventJan 28, 2016
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 ↗Event-driven situations (1)
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