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Ottawa Savings Bancorp, Inc. Fundamental Company Report Including Financial, SWOT, Competitors and Industry Analysis

March 2024 | 50 pages | ID: O8FB8117C73BEN
BAC Reports

US$ 499.00

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Ottawa Savings Bancorp, Inc. Fundamental Company Report provides a complete overview of the company’s affairs. All available data is presented in a comprehensive and easily accessed format. The report includes financial and SWOT information, industry analysis, opinions, estimates, plus annual and quarterly forecasts made by stock market experts. The report also enables direct comparison to be made between Ottawa Savings Bancorp, Inc. and its competitors. This provides our Clients with a clear understanding of Ottawa Savings Bancorp, Inc. position in the Industry.

  • The report contains detailed information about Ottawa Savings Bancorp, Inc. that gives an unrivalled in-depth knowledge about internal business-environment of the company: data about the owners, senior executives, locations, subsidiaries, markets, products, and company history.
  • Another part of the report is a SWOT-analysis carried out for Ottawa Savings Bancorp, Inc.. It involves specifying the objective of the company's business and identifies the different factors that are favorable and unfavorable to achieving that objective. SWOT-analysis helps to understand company’s strengths, weaknesses, opportunities, and possible threats against it.
  • The Ottawa Savings Bancorp, Inc. financial analysis covers the income statement and ratio trend-charts with balance sheets and cash flows presented on an annual and quarterly basis. The report outlines the main financial ratios pertaining to profitability, margin analysis, asset turnover, credit ratios, and company’s long-term solvency. This sort of company's information will assist and strengthen your company’s decision-making processes.
  • In the part that describes Ottawa Savings Bancorp, Inc. competitors and the industry in whole, the information about company's financial ratios is compared to those of its competitors and to the industry. The unique analysis of the market and company’s competitors along with detailed information about the internal and external factors affecting the relevant industry will help to manage your business environment. Your company’s business and sales activities will be boosted by gaining an insight into your competitors’ businesses.
  • Also the report provides relevant news, an analysis of PR-activity, and stock price movements. The latter are correlated with pertinent news and press releases, and annual and quarterly forecasts are given by a variety of experts and market research firms. Such information creates your awareness about principal trends of Ottawa Savings Bancorp, Inc. business.

About Ottawa Savings Bancorp, Inc.

Ottawa Savings Bancorp, Inc. operates as the holding company for Ottawa Savings Bank, which provides various financial services to individuals and corporate customers. The company conducts its business from its main office located in Ottawa, Illinois.

Lending Activities

The company’s loan portfolio consists primarily of one-to-four family residential mortgage loans. Its loan portfolio also includes multi-family and non-residential real estate, commercial, construction, and consumer loans. Majority of its loans are made within LaSalle County.

One- to-Four Family Residential Loans: The company’s primary lending activity is the origination of mortgage loans to enable borrowers to purchase or refinance existing homes or to construct new residential dwellings in its market area. It offers fixed-rate and adjustable-rate mortgage loans with terms up to 30 years.

Lines of Credit: The company offers lines of credit, including home equity lines of credit. It also offers secured and unsecured lines of credit for individuals and small businesses.

Multi-Family and Non-Residential Real Estate Loans: The company offers fixed rate balloon and adjustable-rate mortgage loans secured by multi-family and non-residential real estate. Its multi-family and non-residential real estate loans are secured by condominiums, apartment buildings, single-family subdivisions, and owner-occupied properties used for businesses.

Commercial Loans: The company's commercial loans consist of secured owner and non-owner occupied real estate, operating lines of credit secured by general business assets, and equipment loans.

Construction and Land Development Loans: The company originates loans to individuals and purchases loans that finance the construction of residential dwellings for personal use and land development loans for personal or commercial use. It also makes commercial construction loans for commercial development projects, including condominiums, apartment buildings, single-family subdivisions, and single-family speculation loans, as well as owner-occupied properties used for business.

Consumer Loans: The company offers various consumer loans, including auto, share loans, and personal unsecured loans to its customer base and related individuals.

Auto Loan Participations: The company purchases auto loan participations from regulated financial institutions. These types of loans are primarily low balance individual auto loans.

Investment Activities

As of December 31, 2009, the company’s investment portfolio consisted primarily of U.S. agency securities with maturities of 5 to 10 years; and mortgage-backed securities issued by Fannie Mae, Freddie Mac, and Ginnie Mae with stated final maturities of 30 years or less.

Deposits

The company offers a selection of deposit instruments, including checking accounts, money market accounts, regular savings accounts, club savings accounts, certificate accounts, and various retirement accounts.


The above Company Fundamental Report is a half-ready report and contents are subject to change.
It means that we have all necessary data in our database to prepare the report but need 2-3 days to complete it. During this time we are also updating the report with respect to the current moment. So, you can get all the most recent data available for the same price. Please note that preparation of additional types of analyses requires extra time.

RESEARCH METHODOLOGY

DISCLAIMER

1. OTTAWA SAVINGS BANCORP, INC. COMPANY PROFILE

1.1. Key facts
1.2. Financial Performance
1.3. Key Executives
1.4. Ownership and Major Holders
1.5. Company History

2. OTTAWA SAVINGS BANCORP, INC. BUSINESS OVERVIEW

2.1. Business Description
2.2. Major Products and Services
2.3. Markets and Sales Activities
2.4. Locations, Subsidiaries, Operating Units

3. OTTAWA SAVINGS BANCORP, INC. SWOT ANALYSIS

3.1. Overview
3.2. Strengths
3.3. Weaknesses
3.4. Opportunities
3.5. Threats

4. OTTAWA SAVINGS BANCORP, INC. FINANCIAL ANALYSIS

4.1. Financial Statements
4.1.1. Income Statement
4.1.2. Balance Sheet
4.1.3. Cash Flow
4.2. Financial Ratios
4.2.1. Profitability
4.2.2. Margin Analysis
4.2.3. Asset Turnover
4.2.4. Credit Ratios
4.2.5. Long-Term Solvency
4.2.6. Growth Over Prior Year
4.2.7. Financial Ratios Charts
4.3. Stock Market Snapshot

5. OTTAWA SAVINGS BANCORP, INC. COMPETITORS AND INDUSTRY ANALYSIS

5.1. Ottawa Savings Bancorp, Inc. Direct Competitors
5.2. Comparison of Ottawa Savings Bancorp, Inc. and Direct Competitors Financial Ratios
5.3. Comparison of Ottawa Savings Bancorp, Inc. and Direct Competitors Stock Charts
5.4. Ottawa Savings Bancorp, Inc. Industry Analysis
5.4.1. Industry Snapshot
  5.4.2. Ottawa Savings Bancorp, Inc. Industry Position Analysis

6. OTTAWA SAVINGS BANCORP, INC. NEWS & EVENTS

6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events

7. OTTAWA SAVINGS BANCORP, INC. EXPERTS REVIEW1

7.1. Experts Consensus
7.2. Experts Revisions

8. OTTAWA SAVINGS BANCORP, INC. ENHANCED SWOT ANALYSIS2

9. UNITED STATES PESTEL ANALYSIS2

9.1. Political Factors
9.2. Economic Factors
9.3. Social Factors
9.4. Technological Factors
9.5. Environmental Factors
9.6. Legal Factors

10. OTTAWA SAVINGS BANCORP, INC. IFE, EFE, IE MATRICES2

10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix

11. OTTAWA SAVINGS BANCORP, INC. PORTER FIVE FORCES ANALYSIS2

12. OTTAWA SAVINGS BANCORP, INC. VRIO ANALYSIS2


APPENDIX: RATIO DEFINITIONS


LIST OF FIGURES

Ottawa Savings Bancorp, Inc. Annual Revenues in Comparison with Cost of Goods Sold and Gross Profit
Profit Margin Chart
Operating Margin Chart
Return on Equity (ROE) Chart
Return on Assets (ROA) Chart
Debt to Equity Chart
Current Ratio Chart
Ottawa Savings Bancorp, Inc. 1-year Stock Charts
Ottawa Savings Bancorp, Inc. 5-year Stock Charts
Ottawa Savings Bancorp, Inc. vs. Main Indexes 1-year Stock Chart
Ottawa Savings Bancorp, Inc. vs. Direct Competitors 1-year Stock Charts
Ottawa Savings Bancorp, Inc. Article Density Chart

1 – Data availability depends on company’s security policy.
2 – These sections are available only when you purchase a report with appropriate additional types of analyses.
The complete financial data is available for publicly traded companies.

LIST OF TABLES

Ottawa Savings Bancorp, Inc. Key Facts
Profitability
Management Effectiveness
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Ottawa Savings Bancorp, Inc. Key Executives
Ottawa Savings Bancorp, Inc. Major Shareholders
Ottawa Savings Bancorp, Inc. History
Ottawa Savings Bancorp, Inc. Products
Revenues by Segment
Revenues by Region
Ottawa Savings Bancorp, Inc. Offices and Representations
Ottawa Savings Bancorp, Inc. SWOT Analysis
Yearly Income Statement Including Trends
Income Statement Latest 4 Quarters Including Trends
Yearly Balance Sheet Including Trends
Balance Sheet Latest 4 Quarters Including Trends
Yearly Cash Flow Including Trends
Cash Flow Latest 4 Quarters Including Trends
Ottawa Savings Bancorp, Inc. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Credit Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Ottawa Savings Bancorp, Inc. Capital Market Snapshot
Ottawa Savings Bancorp, Inc. Direct Competitors Key Facts
Direct Competitors Profitability Ratios
Direct Competitors Margin Analysis Ratios
Direct Competitors Asset Turnover Ratios
Direct Competitors Credit Ratios
Direct Competitors Long-Term Solvency Ratios
Industry Statistics
Ottawa Savings Bancorp, Inc. Industry Position
Company vs. Industry Income Statement Analysis
Company vs. Industry Balance Sheet Analysis
Company vs. Industry Cash Flow Analysis
Company vs. Industry Ratios Comparison
Ottawa Savings Bancorp, Inc. Consensus Recommendations1
Analyst Recommendation Summary1
Price Target Summary1
Experts Recommendation Trends1
Revenue Estimates Analysis1
Earnings Estimates Analysis1
Historical Surprises1
Revenue Estimates Trend1
Earnings Estimates Trend1
Revenue Revisions1

SWOT Analysis

SWOT, which stands for Strengths, Weaknesses, Opportunities and Threats, is an analytical framework that identifies the internal and external factors that are favorable and unfavorable for a company.


Enhanced SWOT Analysis

Enhanced SWOT is a 3×3 grid that arranges strengths, weaknesses, opportunities and threats into one scheme:

  • How to use the strengths to take advantage of the opportunities?
  • How to use the strengths to reduce likelihood and impact of the threats?
  • How to overcome the weaknesses that obstruct taking advantage of the opportunities?
  • How to overcome the weaknesses that can make the threats a reality?

Upon answering these questions a company can develop a project plan to improve its business performance.


PESTEL Analysis

PESTEL (also termed as PESTLE) is an ideal tool to strategically analyze what influence different outside factors – political, economic, sociocultural, technological, environmental and legal – exert on a business to later chart its long term targets.

Being part of the external analysis when carrying out a strategic assessment or performing a market study, PESTEL gives an overview of diverse macro-environmental factors that any company should thoughtfully consider. By perceiving these outside environments, businesses can maximally benefit from the opportunities while minimizing the threats to the organization.

Key Factors Examined by PESTEL Analysis:

  • Political – What opportunities and pressures are brought by political bodies and what is the degree of public regulations’ impact on the business?
  • Economic – What economic policies, trends and structures are expected to affect the organization, what is this influence’s degree?
  • Sociological – What cultural and societal aspects will work upon the demand for the business’s products and operations?
  • Technological – What impact do the technological aspects, innovations, incentives and barriers have on the organization?
  • Environmental – What environmental and ecological facets, both locally and farther afield, are likely to predetermine the business?
  • Legal – What laws and legislation will exert influence on the style the business is carried out?

IFE, EFE, IE Matrices

The Internal Factor Evaluation matrix (IFE matrix) is a strategic management tool helping audit or evaluate major weaknesses and strengths in a business’s functional areas. In addition, IFE matrix serves as a basis for identifying and assessing relationships amongst those areas. The IFE matrix is utilised in strategy formulation.

The External Factor Evaluation matrix (EFE matrix) is a tool of strategic management that is typically utilised to assess current market conditions. It is an ideal instrument for visualising and prioritising the threats and opportunities a firm is facing.

The essential difference between the above mentioned matrices lies in the type of factors incorporated in the model; whilst the latter is engaged in internal factors, the former deals exceptionally with external factors – those exposed to social, political, economic, legal, etc. external forces.

Being a continuation of the EFE matrix and IFE matrix models, the Internal External matrix (IE matrix) rests upon an investigation of external and internal business factors integrated into one suggestive model.


Porter Five Forces Analysis

The Porter’s five forces analysis studies the industry of operation and helps the company find new sources of competitive advantage. The analysis surveys an industry through five major questions:

  1. What composes a threat of substitute products and services?
  2. Is there a threat of new competitors entering the market?
  3. What is the intensity of competitive rivalry?
  4. How big is the bargaining power of buyers?
  5. How significant is the bargaining power of suppliers?

VRIO Analysis

VRIO stands for Value, Rarity, Imitability, Organization. This analysis helps to evaluate all company’s resources and capabilities and bring them together into one aggregate table that includes:

  • Tangible resources
    • Financial
    • Physical
    • Technological
    • Organizational
  • Intangible resources
    • Human
    • Innovation and Creativity
    • Reputation
  • Organizational capabilities

The result of the analysis gives a clear picture of company’s competitive and economic implications, answering the questions if the resources mentioned above are:

  • Valuable?
  • Rare?
  • Costly to imitate?
  • Organized properly?


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