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EMC Insurance Group (EMCI)
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EMC Insurance Group 8-K 2012

Documents found in this filing:

  1. 8-K
  2. Ex-99
  3. Graphic
  4. Graphic
form8k.htm
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 
FORM 8-K
 
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported):  October 18, 2012
 
EMC INSURANCE GROUP INC.
(Exact name of registrant as specified in its charter)

Iowa
  
0-10956
  
42-6234555
(State or other jurisdiction of incorporation)
  
(Commission File Number)
  
(I.R.S. Employer Identification No.)

717 Mulberry Street, Des Moines, Iowa
  
50309
(Address of principal executive offices)
  
(Zip Code)

(515) 345-2902
(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

o
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 
 
 

Item 7.01
Regulation FD Disclosure.

On October 18, 2012, the Registrant issued a press release announcing that the GAAP combined ratio for the third quarter of 2012 is expected to be approximately 99.3 percent and that operating income1 is expected to be in the range of $0.63 to $0.67 per share.  Based on actual results for the first nine months of 2012 and projections for the remainder of the year, management is revising 2012 operating income guidance from the previous range of $1.30 to $1.55 per share to a revised range of $2.05 to $2.30 per share.  The revised guidance is based on a projected GAAP combined ratio of 101.3 percent for the year.  The Company will release its third quarter earnings report before the market opens on November 6, 2012.

1The Registrant uses a non-GAAP financial measure called “operating income/loss” that management believes is useful to investors because it illustrates the performance of our normal, ongoing operations, which is important in understanding and evaluating our financial condition and results of operations. While this measure is consistent with measures utilized by investors to evaluate performance, it is not a substitute for the U.S. GAAP financial measure of net income/loss.  The difference between net income/loss and operating income/loss is that operating income/loss does not include realized investment gains/losses.

Item 9.01
Financial Statements and Exhibits.

 
(c)
Exhibits.

Exhibit Number
Description
   
99
Press Release

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized on October 19, 2012.
 
 
EMC INSURANCE GROUP INC.
  
 
Registrant
  
     
 
/s/  Mark E. Reese
  
 
Mark E. Reese
  
 
Senior Vice President & Chief Financial Officer
 
EXHIBIT INDEX

Exhibit Number
Description
   
Press Release
 
 
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