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EMCI > SEC Filings for EMCI > Form 8-K on 19-Oct-2012All Recent SEC Filings

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Form 8-K for EMC INSURANCE GROUP INC


19-Oct-2012

Regulation FD Disclosure, Financial Statements and Exhibits


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

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