XML 21 R37.htm IDEA: XBRL DOCUMENT v2.4.1.9
Loans Receivable and Related Allowance for Loan Losses (Details 5) (USD $)
In Thousands, unless otherwise specified
3 Months Ended
Mar. 31, 2015
Mar. 31, 2014
Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]      
Beginning Balance $ 5,224us-gaap_FinancingReceivableAllowanceForCreditLosses $ 4,869us-gaap_FinancingReceivableAllowanceForCreditLosses  
Charge-offs (90)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs (132)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs  
Recoveries 37us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery 21us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery  
Provision 169us-gaap_ProvisionForLoanAndLeaseLosses 163us-gaap_ProvisionForLoanAndLeaseLosses  
Ending Balance 5,340us-gaap_FinancingReceivableAllowanceForCreditLosses 4,921us-gaap_FinancingReceivableAllowanceForCreditLosses  
Ending ALL balance attributable to loans:      
Individually evaluated for impairment 785us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1   790us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
Collectively evaluated for impairment 4,555us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment   4,434us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
Total loans:      
Individually evaluated for impairment 6,309us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment   6,487us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
Collectively evaluated for impairment 375,210us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment   378,385us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
Residential first mortgages [Member]      
Financing Receivable, Allowance for Credit Losses [Line Items]      
Beginning Balance 955us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= emcf_ResidentialFirstMortgagesMember
923us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= emcf_ResidentialFirstMortgagesMember
 
Charge-offs (4)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= emcf_ResidentialFirstMortgagesMember
(78)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= emcf_ResidentialFirstMortgagesMember
 
Recoveries 0us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= emcf_ResidentialFirstMortgagesMember
0us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= emcf_ResidentialFirstMortgagesMember
 
Provision 137us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= emcf_ResidentialFirstMortgagesMember
91us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= emcf_ResidentialFirstMortgagesMember
 
Ending Balance 1,088us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= emcf_ResidentialFirstMortgagesMember
936us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= emcf_ResidentialFirstMortgagesMember
 
Ending ALL balance attributable to loans:      
Individually evaluated for impairment 27us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= emcf_ResidentialFirstMortgagesMember
  27us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= emcf_ResidentialFirstMortgagesMember
Collectively evaluated for impairment 1,061us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= emcf_ResidentialFirstMortgagesMember
  928us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= emcf_ResidentialFirstMortgagesMember
Total loans:      
Individually evaluated for impairment 281us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= emcf_ResidentialFirstMortgagesMember
  285us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= emcf_ResidentialFirstMortgagesMember
Collectively evaluated for impairment 105,970us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= emcf_ResidentialFirstMortgagesMember
  106,888us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= emcf_ResidentialFirstMortgagesMember
Home equity and lines of credit [Member]      
Financing Receivable, Allowance for Credit Losses [Line Items]      
Beginning Balance 543us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_HomeEquityMember
625us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_HomeEquityMember
 
Charge-offs (64)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_HomeEquityMember
0us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_HomeEquityMember
 
Recoveries 4us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_HomeEquityMember
0us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_HomeEquityMember
 
Provision 128us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_HomeEquityMember
(6)us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_HomeEquityMember
 
Ending Balance 611us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_HomeEquityMember
619us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_HomeEquityMember
 
Ending ALL balance attributable to loans:      
Individually evaluated for impairment 0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_HomeEquityMember
  0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_HomeEquityMember
Collectively evaluated for impairment 611us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_HomeEquityMember
  543us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_HomeEquityMember
Total loans:      
Individually evaluated for impairment 0us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_HomeEquityMember
  0us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_HomeEquityMember
Collectively evaluated for impairment 87,761us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_HomeEquityMember
  89,106us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_HomeEquityMember
Commercial real estate [Member]      
Financing Receivable, Allowance for Credit Losses [Line Items]      
Beginning Balance 2,338us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialRealEstateMember
2,450us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialRealEstateMember
 
Charge-offs 0us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialRealEstateMember
(2)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialRealEstateMember
 
Recoveries 5us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialRealEstateMember
5us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialRealEstateMember
 
Provision (110)us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialRealEstateMember
(232)us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialRealEstateMember
 
Ending Balance 2,233us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialRealEstateMember
2,221us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialRealEstateMember
 
Ending ALL balance attributable to loans:      
Individually evaluated for impairment 252us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialRealEstateMember
  268us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialRealEstateMember
Collectively evaluated for impairment 1,981us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialRealEstateMember
  2,070us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialRealEstateMember
Total loans:      
Individually evaluated for impairment 3,418us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialRealEstateMember
  3,529us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialRealEstateMember
Collectively evaluated for impairment 108,989us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialRealEstateMember
  107,281us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialRealEstateMember
Commercial business [Member]      
Financing Receivable, Allowance for Credit Losses [Line Items]      
Beginning Balance 1,336us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialLoanMember
822us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialLoanMember
 
Charge-offs 0us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialLoanMember
(17)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialLoanMember
 
Recoveries 20us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialLoanMember
7us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialLoanMember
 
Provision 4us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialLoanMember
282us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialLoanMember
 
Ending Balance 1,360us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialLoanMember
1,094us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialLoanMember
 
Ending ALL balance attributable to loans:      
Individually evaluated for impairment 506us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialLoanMember
  495us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialLoanMember
Collectively evaluated for impairment 854us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialLoanMember
  841us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialLoanMember
Total loans:      
Individually evaluated for impairment 2,610us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialLoanMember
  2,673us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialLoanMember
Collectively evaluated for impairment 65,462us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialLoanMember
  67,512us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CommercialLoanMember
Consumer [Member]      
Financing Receivable, Allowance for Credit Losses [Line Items]      
Beginning Balance 52us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_ConsumerLoanMember
49us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_ConsumerLoanMember
 
Charge-offs (22)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_ConsumerLoanMember
(35)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_ConsumerLoanMember
 
Recoveries 8us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_ConsumerLoanMember
9us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_ConsumerLoanMember
 
Provision 10us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_ConsumerLoanMember
28us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_ConsumerLoanMember
 
Ending Balance 48us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_ConsumerLoanMember
51us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_ConsumerLoanMember
 
Ending ALL balance attributable to loans:      
Individually evaluated for impairment 0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_ConsumerLoanMember
  0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_ConsumerLoanMember
Collectively evaluated for impairment 48us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_ConsumerLoanMember
  52us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_ConsumerLoanMember
Total loans:      
Individually evaluated for impairment 0us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_ConsumerLoanMember
  0us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_ConsumerLoanMember
Collectively evaluated for impairment $ 7,028us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_ConsumerLoanMember
  $ 7,598us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_ConsumerLoanMember