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Peer Analysis EMCLAIRE FINANCIAL CORP. (NASDAQ - EMCF)  Data for trailing four quarters For the definition of a financial field, select the field name below. Performance Ratios (%) EMCF Peer Median Peer Average ROAA 0.43  0.76  0.63  ROAE 4.84  6.89  5.47  Net Interest Margin 3.50  3.60  3.52  Efficiency Ratio 80.00  71.11  66.70  Loans / Deposits 79.81  74.48  73.79  Asset Quality Ratios (%)       NPAs / Assets 0.64  0.97  0.84  NCOs / Avg Loans 0.26  0.12  0.15  Reserves / Loans 1.05  1.31  1.19  Reserves / NPAs 106.83  61.35  86.13  Capital Ratios (%)       Tier 1 Capital 11.31  14.41  15.82  Tangible Equity / Tangible Assets 6.87  9.27  9.84  Total Equity / Total Assets 8.16  10.92  10.65  Market Ratios       Price / Earnings (x) 15.06  12.90  13.07  Price / Book (%) 69.55  89.77  89.16  Dividend Yield (%) 3.83  4.19  3.56  Emclaire Financial Corp.'s peer group consists of the following: CBT Financial Corporation (CBTC), CCFNB Bancorp, Inc. (CCFN), Dimeco, Inc. (DIMC), Mars National Bank (MNBP), Neffs Bancorp, Inc. (NEFB), Tower Bancorp, Inc. (TOBC), Union National Financial Corporation (UNNF) Emclaire Financial Corp.'s financial data is as of 9/30/2009. Peer financial data is as of 9/30/2009  except for these companies: Mars National Bank's financial data is as of 6/30/2009. Copyright 2009, © SNL Financial LC  Terms of Use

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