Emclaire Financial (Emclaire Financial) Short-Term Debt & Capital Lease Obligation : $21.00 Mil (As of Sep. 2022)

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What is Emclaire Financial Short-Term Debt & Capital Lease Obligation?

Short-Term Debt & Capital Lease Obligation is the portion of a company's debt and capital lease obligation that need to be paid within the next 12 months. It equals Short-Term Debt plus Short-Term Capital Lease Obligation. This gives investors an idea of how much money the company needs to pay down for the principle of its debt. Emclaire Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2022 was $21.00 Mil.

Long-Term Debt & Capital Lease Obligation is the debt and capital lease obligation due more than 12 months in the future. Emclaire Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2022 was $0.00 Mil.

Emclaire Financial Short-Term Debt & Capital Lease Obligation Historical Data

The historical data trend for Emclaire Financial's Short-Term Debt & Capital Lease Obligation can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Emclaire Financial Short-Term Debt & Capital Lease Obligation Chart

Emclaire Financial Annual Data

Trend

Dec12

Dec13

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Short-Term Debt & Capital Lease Obligation

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2.50

12.85

2.05

7.10

Emclaire Financial Quarterly Data
	Dec17	Mar18	Jun18	Sep18	Dec18	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22
Short-Term Debt & Capital Lease Obligation	Get a 7-Day Free Trial															2.05	7.10	3.05	18.00	21.00

Emclaire Financial Short-Term Debt & Capital Lease Obligation Calculation

This is the portion of a company's debt and capital lease obligation that need to be paid within the next 12 months. It equals Short-Term Debt plus Short-Term Capital Lease Obligation. This gives investors an idea of how much money the company needs to pay down for the principle of its debt.

In the notes to balance sheet in annual (10-K) or quarterly (10-Q) reports, companies usually break down the details of the debt, their due dates, the interest rates etc.

Be Aware

Stay away from companies that roll over the debt e.g. Bear Stearns

When investing in financial institutions, Buffett shies from those who are bigger borrowers of short term than long term debt.

His favorite Wells Fargo has 57 cents short term debt for every dollar of long term

Aggressive banks (like Bank of America) has $2.09 short term for every dollar long term

Emclaire Financial Short-Term Debt & Capital Lease Obligation Related Terms

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Emclaire Financial (Emclaire Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Emclaire Financial Corp (NAS:EMCF) » Definitions » Short-Term Debt & Capital Lease Obligation

Comparable Companies

Traded in Other Exchanges

N/A

Address

612 Main Street, P.O. Box D, Emlenton, PA, USA, 16373

Website

https://www.emclairefinancial.com

Emclaire Financial Corp is a financial holding company that provides a variety of financial services to individuals and businesses through its offices in Western Pennsylvania. The bank's principal business consists of attracting deposits from the general public and investing such funds in real estate loans secured by liens on the residential and commercial property, consumer loans, commercial business loans, marketable securities, and interest-earning deposits. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential and commercial mortgages, commercial business loans, and consumer loans.

Executives

Amanda L Engles	officer: Secretary	522 MEADOW ROAD, SENECA PA 16346
Eric John Gantz	officer: SVP/CCO-Farmers National Bank	3552 PANIN ROAD, HERMITAGE PA 16148
Mark A Freemer	director	25 BROWN STREET, DUBOIS PA 15801
William C Marsh	director, officer: Chief Financial Officer/Treas.	414 WEALDSTONE ROAD, CRANBERRY TWP PA 16066
Steven Joseph Hunter	director	2929 NORMANDY DRIVE NW, ATLANTA GA 30305
Milissa S Bauer	director	633 MAYFIELD ROAD, P O BOX 765, CLARION PA 16214
Nicholas D Varischetti	director	FOUR NORTHSHORE CENTER, 106 ISABELLA STREET, PITTSBURGH PA 15212
Robert W Freeman	director	1306 BEACONFIELD LANE, LANCASTER PA 17601
Jennifer A Roxbury	officer: Secretary	100 7TH ST., APT. 1401, PITTSBURGH PA 15222
Deanna K Mccarrier	director	104 DOGWOOD COURT, BUTLER PA 16001
Deible Henry H Ii	director	3539 STEVENSON HILL ROAD, FALLS CREEK PA 15840
Henry H Deible	director	200 LEWIS STREET, REYNOLDSVILLE PA 15851
Robert A Vernick	officer: SVP/CLO-Farmers National Bank	138 WILLOW RUN DRIVE, BUTLER PA 16001
James M Crooks	director	321 WOOD STREET, CLARION PA 16214
Matthew J Lucco	officer: Treasurer	105 VISTA DRIVE, SLIPPERY ROCK PA 16057