First Clover Leaf Financial Annual Income Statement (NASDAQ:FCLF)
Stock analysis based on fundamentals means looking at financial statements in addition to the First Clover Leaf Financial stock price. An income statement is one of the three key financial statements furnished by a company, the other two being the balance sheet and the cashflow statement. When compared with the corresponding income statement from the past, the latest income statement shows how revenue has grown from $21.54M to $22.38M and how operating and non operating activities have impacted the FCLF stock. 2015 revenue is $22.38M and has increased from $21.54M year on year as is evident when you compare the latest figures in the latest First Clover Leaf Financial profit and loss statement with those of the prior corresponding period. (See also:First Clover Leaf Financial assets and First Clover Leaf Financial free cash flow) First Clover Leaf Financial revenue for 2015 is $22.38M. View revenue and profit details for latest and last 10 financial years.
| Fiscal year is Jan - Dec. | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 |
First Clover Leaf Financial Net Sales or Revenues | 22.38M | 21.54M | 21.99M | 24.62M | 25.81M | 27.68M | 29.42M | 25.49M | 23.02M |
| Cost Of Goods Sold (COGS) | 2.16M | 2.17M | 2.76M | 3.83M | 5.81M | 7.72M | 10.25M | 10.81M | 10.47M |
First Clover Leaf Financial Gross Profit | 20.22M | 19.37M | 19.22M | 20.78M | 20M | 19.95M | 19.17M | 14.68M | 12.55M |
| Research & Development Expense | - | - | - | - | - | - | - | - | - |
| Selling General & Admin Expense | 13.5M | 13.65M | 13.54M | 13.47M | 16.55M | 12.33M | 15.56M | 8.32M | 6.48M |
| Income Before Depreciation Depletion Amortization | 6.71M | 5.71M | 5.67M | 7.31M | 3.45M | 7.61M | 3.6M | 6.35M | 6.07M |
| Depreciation Depletion Amortization | 0.14M | 0.18M | 0.38M | 0.56M | 0.48M | 0.63M | 10.03M | 0.53M | 0.63M |
| Non Operating Income | - | - | - | - | - | - | -0.47M | - | - |
| Interest Expense | 0.26M | 0.34M | 0.54M | 0.63M | 0.63M | 1.2M | 2M | 1.63M | 1.61M |
First Clover Leaf Financial Pretax Income | 6.31M | 5.18M | 4.74M | 6.1M | 2.33M | 5.77M | -8.91M | 4.18M | 3.82M |
| Provision for Income Taxes | 1.67M | 1.36M | 1.38M | 2.04M | 0.43M | 1.97M | -0.09M | 1.48M | 1.41M |
| Minority Interest | - | - | - | - | - | - | - | - | - |
| Investment Gains Losses | - | - | - | - | - | - | - | - | - |
| Other Income | - | - | - | - | - | - | - | - | - |
| Income Before Extraordinaries & Disc Operations | 4.63M | 3.82M | 3.35M | 4.06M | 1.89M | 3.8M | -8.82M | 2.7M | 2.4M |
| Extraordinary Items & Discontinued Operations | - | - | - | - | - | - | - | - | - |
First Clover Leaf Financial Net Income (Profit/Loss) | 4.63M | 3.82M | 3.35M | 4.06M | 1.89M | 3.8M | -8.82M | 2.7M | 2.4M |
| Average Shares used to compute Diluted EPS | 7.01M | 6.96M | 7.3M | 7.67M | 7.9M | 7.81M | 8.15M | - | - |
| Average Shares used to compute Basic EPS | 7.01M | 6.96M | 7.3M | 7.67M | 7.9M | 7.81M | 8.15M | - | - |
| Income Before Nonrecurring Items | 4.64M | 3.83M | 3.36M | 4.07M | 1.9M | 3.81M | 0.79M | - | - |
| Income from Nonrecurring Items | - | - | - | - | - | - | -9.61M | - | - |
First Clover Leaf Financial Earnings Per Share Basic Net | 0.66 | 0.55 | 0.46 | 0.53 | 0.24 | 0.49 | -1.08 | 0.32 | 0.27 |
First Clover Leaf Financial Earnings Per Share Diluted Net | 0.66 | 0.55 | 0.46 | 0.53 | 0.24 | 0.49 | -1.08 | - | - |
| EPS Diluted Before Nonrecurring Items | 0.66 | 0.55 | 0.46 | 0.53 | 0.24 | 0.49 | 0.10 | - | - |
| Preferred Dividends Acc Pd | - | - | - | - | - | - | - | - | - |
| Dividends Common | - | - | - | - | - | - | - | - | - |
| Dividend Per Share Common | 0.24 | 0.24 | 0.24 | 0.24 | 0.24 | 0.24 | 0.24 | 0.24 | 0.24 |
- Revenue: The money received by selling of goods or services comes under this line item. A YoY growth (See: First Clover Leaf Financial revenue chart) implies that the company is growing, which has been the case with First Clover Leaf Financial. One must stay away from stocks whose revenues are declining.
- Bottom line: Most businesses like First Clover Leaf Financial try to improve their bottom line by growing their topline and by increasing their operating efficiency. A healthy bottom line growth implies a good investment.
