XML 58 R34.htm IDEA: XBRL DOCUMENT v2.4.1.9
Loans Receivable and Related Allowance for Loan Losses (Details 2) (USD $)
In Thousands, unless otherwise specified
Mar. 31, 2015
Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans $ 381,519us-gaap_LoansAndLeasesReceivableGrossCarryingAmount $ 384,872us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
Not Rated [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 199,202us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_InternalCreditAssessmentAxis
= emcf_NotRatedMember
202,745us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_InternalCreditAssessmentAxis
= emcf_NotRatedMember
Pass [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 169,463us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember
169,535us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember
Special Mention [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 598us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember
1,807us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember
Substandard [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 12,074us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember
10,785us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember
Doubtful [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 182us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember
0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember
Residential first mortgages [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 106,251us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= emcf_ResidentialFirstMortgagesMember
107,173us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= emcf_ResidentialFirstMortgagesMember
Residential first mortgages [Member] | Not Rated [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 105,158us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= emcf_ResidentialFirstMortgagesMember
/ us-gaap_InternalCreditAssessmentAxis
= emcf_NotRatedMember
106,448us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= emcf_ResidentialFirstMortgagesMember
/ us-gaap_InternalCreditAssessmentAxis
= emcf_NotRatedMember
Residential first mortgages [Member] | Pass [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= emcf_ResidentialFirstMortgagesMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember
0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= emcf_ResidentialFirstMortgagesMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember
Residential first mortgages [Member] | Special Mention [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= emcf_ResidentialFirstMortgagesMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember
0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= emcf_ResidentialFirstMortgagesMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember
Residential first mortgages [Member] | Substandard [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 1,093us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= emcf_ResidentialFirstMortgagesMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember
725us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= emcf_ResidentialFirstMortgagesMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember
Residential first mortgages [Member] | Doubtful [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= emcf_ResidentialFirstMortgagesMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember
0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= emcf_ResidentialFirstMortgagesMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember
Home equity and lines of credit [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 87,761us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_HomeEquityMember
89,106us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_HomeEquityMember
Home equity and lines of credit [Member] | Not Rated [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 87,016us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_HomeEquityMember
/ us-gaap_InternalCreditAssessmentAxis
= emcf_NotRatedMember
88,699us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_HomeEquityMember
/ us-gaap_InternalCreditAssessmentAxis
= emcf_NotRatedMember
Home equity and lines of credit [Member] | Pass [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_HomeEquityMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember
0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_HomeEquityMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember
Home equity and lines of credit [Member] | Special Mention [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_HomeEquityMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember
0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_HomeEquityMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember
Home equity and lines of credit [Member] | Substandard [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 745us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_HomeEquityMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember
407us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_HomeEquityMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember
Home equity and lines of credit [Member] | Doubtful [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_HomeEquityMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember
0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_HomeEquityMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember
Commercial real estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 112,407us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommercialRealEstateMember
110,810us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommercialRealEstateMember
Commercial real estate [Member] | Not Rated [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= emcf_NotRatedMember
0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= emcf_NotRatedMember
Commercial real estate [Member] | Pass [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 105,368us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember
103,908us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember
Commercial real estate [Member] | Special Mention [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 496us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember
515us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember
Commercial real estate [Member] | Substandard [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 6,543us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember
6,387us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember
Commercial real estate [Member] | Doubtful [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember
0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember
Commercial business [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 68,072us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommercialLoanMember
70,185us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommercialLoanMember
Commercial business [Member] | Not Rated [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= emcf_NotRatedMember
0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= emcf_NotRatedMember
Commercial business [Member] | Pass [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 64,095us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember
65,627us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember
Commercial business [Member] | Special Mention [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 102us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember
1,292us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember
Commercial business [Member] | Substandard [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 3,693us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember
3,266us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember
Commercial business [Member] | Doubtful [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 182us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember
0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember
Consumer Loan [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 7,028us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_ConsumerLoanMember
7,598us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_ConsumerLoanMember
Consumer Loan [Member] | Not Rated [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 7,028us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= emcf_NotRatedMember
7,598us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= emcf_NotRatedMember
Consumer Loan [Member] | Pass [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember
0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember
Consumer Loan [Member] | Special Mention [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember
0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember
Consumer Loan [Member] | Substandard [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans 0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember
0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember
Consumer Loan [Member] | Doubtful [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans $ 0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember
$ 0us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancialInstrumentAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember