10 Year Financial Data of First Clover Leaf Financial Corporation (FCLF)

8.17 (1y: +36%)

Market Cap	59.06 M	P/E(ttm)	15.50
Enterprise Value	85.02 M	P/B	0.78

FCLF- NAS (USA)
First Clover Leaf Financial Corporation

Not Rated

Top Ranked Predictable Companies

$8.17

1 Severe Warning Sign 4 Medium Warning Signs

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Annual Rates (per share)	5 yrs*	12 months*
Revenue Growth (%)	12.7	5.6
EBITDA Growth (%)	0	123.8
Free Cash Flow Growth (%)	37.3	27.4
Book Value Growth (%)	0	3.7

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Dec11	Mar12	Jun12	Sep12	Dec12

Revenue per Share ($)	--	1.24	1.26	0.95	1.23	1.58	2.11	2.40	2.50	2.64	2.64	0.64	0.63	0.63	0.72	0.66
EBITDA per Share	--	0.84	0.80	0.37	0.50	0.58	-0.91	0.90	0.41	0.95	0.94	-0.24	0.21	0.18	0.30	0.25
Free Cashflow per Share	--	0.46	0.43	0.11	0.47	0.37	0.19	1.00	0.73	0.92	0.93	0.24	0.13	0.27	0.20	0.33
Earnings per Share ($)	16,127	0.51	0.49	0.23	0.27	0.33	-1.08	0.49	0.24	0.53	0.53	-0.11	0.12	0.10	0.17	0.14
Dividends Per Share	--	0.07	0.37	0.36	0.24	0.24	0.24	0.24	0.24	0.24	0.24	0.06	0.06	0.06	0.06	0.06
Book Value per Share	--	9.60	9.92	11.69	9.95	11.32	9.44	9.90	10.02	10.25	10.42	10.05	10.11	10.18	10.32	10.42
Month End Stock Price	--	14.60	13.25	11.50	10.15	6.86	7.35	6.78	6.10	6.23	6.23	6.10	6.25	6.11	7.13	6.23
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Dec11	Mar12	Jun12	Sep12	Dec12

Return on Equity %	8.60	5.30	4.90	2.00	2.70	2.90	-11.50	4.90	2.40	5.20	5.20	-4.40	4.80	4.00	6.80	5.20
Return on Assets %	1.30	1.40	1.30	0.40	0.60	0.40	-1.50	0.70	0.30	0.70	0.80	-0.80	0.80	0.40	0.80	0.80
Return on Capital - Joel Greenblatt %	86.10	183	--	--	--	--	--	--	--	--	--	--	--	--	--	--
Debt to Equity	0.21	0.08	--	0.15	0.16	0.58	0.57	0.34	0.40	0.33	0.33	0.40	0.40	0.40	0.39	0.33

Operating Margin %	62.60	66.70	63.10	37.80	35.00	32.10	-51.90	30.80	12.00	30.30	31.10	-40.10	28.30	24.00	36.90	31.10
Net Margin %	38.70	41.00	39.00	24.30	22.00	20.70	-51.40	20.30	9.80	20.20	20.90	-17.80	19.00	16.30	24.00	20.90

Debt to Revenue	0.96	0.61	--	1.87	1.30	4.13	2.56	1.38	1.60	1.29	5.22	6.28	6.37	6.40	5.65	5.22
Interest Exp. to Revenue %	101	99.81	99.71	96.75	94.28	93.80	91.74	88.03	89.21	85.27	84.49	89.29	89.63	89.81	78.15	84.49

Asset Turnover	0.03	0.03	0.03	0.02	0.03	0.02	0.03	0.03	0.03	0.03	0.01	0.01	0.01	0.01	0.01	0.01
Dividend Payout Ratio	--	0.14	0.76	1.57	0.89	0.74	--	0.49	0.98	0.45	0.43	--	0.50	0.58	0.35	0.43
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Dec11	Mar12	Jun12	Sep12	Dec12

Net Interest Income	4.20	4.74	4.76	7.32	10.32	12.24	15.75	16.51	17.28	17.19	17.18	4.40	4.35	4.34	4.28	4.20
Non Interest Income	-0.03	0.01	0.01	0.25	0.63	0.81	1.42	2.25	2.09	2.97	2.97	0.53	0.51	0.49	1.20	0.77
Revenue	4.17	4.75	4.77	7.57	10.94	13.05	17.17	18.75	19.36	20.15	20.15	4.93	4.86	4.84	5.48	4.98

Selling, General, &Admin. Expense	0.82	0.92	0.94	2.07	2.88	3.64	6.06	6.30	6.62	7.28	7.28	1.82	1.79	1.88	1.75	1.87
Credit Losses Provision	0.03	--	--	0.37	0.35	0.78	5.55	2.57	5.29	1.55	1.55	3.63	0.45	0.35	0.40	0.35
Other Expenses	0.46	0.61	0.78	2.19	3.24	3.84	13.01	2.86	4.25	4.09	4.09	1.38	0.97	1.19	1.02	0.91
Earnings Before DDA	2.86	3.21	3.05	2.95	4.47	4.79	-7.45	7.02	3.20	7.23	7.23	-1.89	1.65	1.42	2.32	1.85

Depreciation, Depletion and Amortization	0.25	0.05	0.04	0.09	0.65	0.60	1.46	1.24	0.87	1.12	1.12	0.09	0.27	0.26	0.29	0.30

Operating Income	2.61	3.17	3.01	2.86	3.83	4.19	-8.92	5.78	2.33	6.11	6.11	-1.98	1.38	1.16	2.02	1.55
Net Income	1.61	1.95	1.86	1.84	2.41	2.70	-8.82	3.81	1.90	4.07	4.07	-0.88	0.92	0.79	1.31	1.04

Earnings per Share ($)	16,127	0.51	0.49	0.23	0.27	0.33	-1.08	0.49	0.24	0.53	0.53	-0.11	0.12	0.10	0.17	0.14
Total Shares Outstanding	--	3.81	3.80	7.99	8.91	8.28	8.15	7.81	7.75	7.63	7.51	7.73	7.70	7.68	7.64	7.51
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Dec11	Mar12	Jun12	Sep12	Dec12

Cash and cash equivalents	1.84	2.04	1.28	72.43	21.41	38.06	28.41	24.07	17.42	33.71	33.71	17.42	20.86	17.54	24.32	33.71
Money Market Investments	6.20	7.87	8.61	26.13	31.33	40.59	19.59	42.19	21.94	39.45	39.45	21.94	9.95	2.45	14.45	39.45
Net Loan	101	112	116	245	285	431	412	388	389	397	397	389	392	392	389	397
Securities & Investments	10.53	14.81	13.30	45.83	54.15	104	86.41	78.48	85.58	88.28	88.28	85.58	87.49	79.35	78.95	88.28
Accounts Receivable	0.30	0.41	0.44	1.56	1.76	2.46	2.18	1.87	1.73	1.59	1.59	1.73	1.85	1.62	1.73	1.59
Property, Plant and Equipment	0.87	0.87	0.86	6.89	7.40	12.51	11.10	10.56	10.09	10.16	10.16	10.09	10.23	10.35	10.26	10.16
Intangible Assets	--	--	--	11.89	11.34	23.29	13.55	13.11	12.85	12.73	12.73	12.85	12.80	12.77	12.77	12.73
Other Assets	0.08	0.04	0.02	0.54	0.96	1.92	12.40	17.14	23.83	18.15	18.15	23.83	21.51	21.92	20.66	18.15
Total Assets	121	138	140	410	413	653	586	575	563	601	601	563	556	538	552	601

Total Deposits	97.93	98.25	102	271	291	447	443	447	415	460	460	415	423	405	420	460
Accounts Payable	0.01	0.01	0.01	0.69	1.11	1.25	1.21	0.56	0.42	0.28	0.28	0.42	0.33	0.31	0.32	0.28
Current Portion of Long-Term Debt	4.00	2.90	--	--	--	--	--	--	--	--	--	--	--	--	--	--
Long-Term Debt	--	--	--	14.12	14.27	53.85	43.85	25.90	30.94	25.97	25.97	30.94	30.95	30.96	30.96	25.97
Other liabilities	0.31	0.44	0.33	31.32	17.99	57.27	20.98	23.69	38.89	35.89	35.89	38.89	24.41	23.41	21.79	35.89
Total Liabilities	102	102	102	317	325	560	509	498	485	523	523	485	479	460	473	523

Common Stock	--	0.39	0.39	0.91	0.91	1.01	1.01	0.79	0.77	0.75	0.75	0.77	0.77	0.77	0.76	0.75
Retained Earnings	18.71	20.53	21.76	22.21	22.52	23.23	12.45	14.38	14.42	16.65	16.65	14.42	14.88	15.21	16.06	16.65
Additional Paid-In Capital	0.01	16.52	16.54	71.03	71.04	81.34	81.36	62.12	61.23	59.66	59.66	61.23	60.99	60.83	60.48	59.66
Treasury Stock	--	--	--	--	-5.39	-12.47	-19.01	--	--	--	--	--	--	--	--	--
Total Equity	18.72	36.60	37.71	93.33	88.68	93.66	76.93	77.33	77.71	78.26	78.26	77.71	77.87	78.21	78.81	78.26
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Dec11	Mar12	Jun12	Sep12	Dec12

Net Income	1.61	1.95	1.86	1.84	2.41	2.70	-8.82	3.81	1.90	4.07	4.07	-0.88	0.92	0.79	1.31	1.04
Depreciation, Depletion and Amortization	0.25	0.05	0.04	0.09	0.65	0.60	1.46	1.24	0.87	1.12	1.12	0.09	0.27	0.26	0.29	0.30
Cash Flow from Others	-0.27	-0.24	-0.29	-1.04	1.12	-0.21	9.38	2.92	3.08	2.49	2.49	2.68	0.06	1.27	-0.05	1.20
Cash Flow from Operations	1.59	1.75	1.62	0.89	4.17	3.10	2.02	7.97	5.85	7.68	7.68	1.89	1.26	2.32	1.56	2.54

Investment for Property, Plant & Equipement	--	--	--	--	--	--	-0.47	-0.12	-0.18	-0.64	-0.64	-0.02	-0.29	-0.26	-0.05	-0.04
Cash Flow from Acquisitions	--	--	--	19.79	--	-11.49	--	--	--	--	--	--	--	--	--	--
Cash Flow from Investing	-9.59	-17.37	-0.15	-11.21	-59.08	-53.03	38.13	23.14	-18.20	-10.44	-10.44	-6.55	-3.22	6.55	4.83	-18.60

Net Issuance of Stock	--	16.01	--	40.14	-5.39	-7.08	-6.54	-0.47	-0.40	-1.60	-1.60	-0.05	-0.25	-0.16	-0.35	-0.83
Net Issuance of Debt	4.00	-1.10	-2.90	24.94	-13.54	41.53	-10.01	-18.00	5.00	-5.00	-5.00	--	--	--	--	-5.00
Cash Flow for Dividends	--	-0.12	-0.64	-1.48	-2.10	-1.99	-1.96	-1.87	-1.86	-1.83	-1.83	-0.46	-0.46	-0.46	-0.46	-0.45
Other Financing	1.87	0.32	3.86	35.96	20.36	47.53	-40.77	7.49	-17.28	43.24	43.24	-8.91	-5.88	-19.07	13.20	54.99
Cash Flow from Financing	5.87	15.12	0.32	99.57	-0.67	79.99	-59.28	-12.85	-14.54	34.81	34.81	-9.43	-6.59	-19.69	12.39	48.71

Net Change in Cash	-2.13	-0.51	1.79	89.24	-55.58	30.05	-19.14	18.26	-26.89	32.05	32.05	-14.08	-8.55	-10.82	18.78	32.65

Free Cash Flow	1.59	1.75	1.62	0.89	4.17	3.10	1.54	7.85	5.67	7.04	7.04	1.87	0.97	2.06	1.51	2.50
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Dec11	Mar12	Jun12	Sep12	Dec12

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Dec11	Mar12	Jun12	Sep12	Dec12

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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