First Ottawa Bancshares Inc
First Ottawa Bancshares, Inc. operates as the bank holding company for American Commercial Bank & Trust, National Association that provides a range of banking and financial services to individual and corporate customers in LaSalle, Grundy, Cook, and other counties in Illinois. The company offers personal banking services, including checking and savings accounts; time deposits; certificates of dep… Read more
First Ottawa Bancshares Inc (FOTB) - Net Assets
Latest net assets as of September 2025: $127.61 Million USD
Based on the latest financial reports, First Ottawa Bancshares Inc (FOTB) has net assets worth $127.61 Million USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.95 Billion) and total liabilities ($1.82 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $127.61 Million |
| % of Total Assets | 6.56% |
| Annual Growth Rate | 5.75% |
| 5-Year Change | 102.04% |
| 10-Year Change | 263.34% |
| Growth Volatility | 10.91 |
First Ottawa Bancshares Inc - Net Assets Trend (1999–2024)
This chart illustrates how First Ottawa Bancshares Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for First Ottawa Bancshares Inc (1999–2024)
The table below shows the annual net assets of First Ottawa Bancshares Inc from 1999 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $105.21 Million | +21.48% |
| 2023-12-31 | $86.61 Million | +21.12% |
| 2022-12-31 | $71.50 Million | +12.30% |
| 2021-12-31 | $63.67 Million | +22.26% |
| 2020-12-31 | $52.07 Million | +6.08% |
| 2019-12-31 | $49.09 Million | +28.80% |
| 2018-12-31 | $38.11 Million | +18.68% |
| 2017-12-31 | $32.12 Million | +6.34% |
| 2016-12-31 | $30.20 Million | +4.29% |
| 2015-12-31 | $28.96 Million | +19.42% |
| 2011-12-31 | $24.25 Million | +5.58% |
| 2010-12-31 | $22.97 Million | -11.59% |
| 2009-12-31 | $25.98 Million | +5.31% |
| 2008-12-31 | $24.67 Million | +0.26% |
| 2007-12-31 | $24.61 Million | +4.67% |
| 2006-12-31 | $23.51 Million | +2.85% |
| 2005-12-31 | $22.86 Million | -4.17% |
| 2004-12-31 | $23.85 Million | -3.26% |
| 2003-12-31 | $24.66 Million | -2.10% |
| 2002-12-31 | $25.18 Million | +9.94% |
| 2001-12-31 | $22.91 Million | +1.43% |
| 2000-12-31 | $22.58 Million | -13.09% |
| 1999-12-31 | $25.98 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to First Ottawa Bancshares Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 296.3% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $90.93 Million | 86.43% |
| Common Stock | $1.01 Million | 0.96% |
| Other Comprehensive Income | $-6.03 Million | -5.74% |
| Other Components | $19.30 Million | 18.35% |
| Total Equity | $105.21 Million | 100.00% |
First Ottawa Bancshares Inc Competitors by Market Cap
The table below lists competitors of First Ottawa Bancshares Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Laxmi Organic Industries Limited
NSE:LXCHEM
|
$105.45 Million |
|
Altius Renewable Royalties Corp
OTCQX:ATRWF
|
$105.47 Million |
|
Fury Gold Mines Ltd
NYSE MKT:FURY
|
$105.47 Million |
|
Crossject
PA:ALCJ
|
$105.49 Million |
|
CONTEXT THERAPEUT.DL-001
F:6K9
|
$105.39 Million |
|
EML Payments Ltd
F:A8Y1
|
$105.37 Million |
|
Chongqing Sifang New Material Co. Ltd.
SHG:605122
|
$105.35 Million |
|
UJU Electronics Co. Ltd
KQ:065680
|
$105.35 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in First Ottawa Bancshares Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 86,605,000 to 105,212,000, a change of 18,607,000 (21.5%).
- Net income of 19,006,000 contributed positively to equity growth.
- Dividend payments of 1,379,000 reduced retained earnings.
- New share issuances of 1,580,000 increased equity.
- Other comprehensive income decreased equity by 1,122,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $19.01 Million | +18.06% |
| Dividends Paid | $1.38 Million | -1.31% |
| Share Issuances | $1.58 Million | +1.5% |
| Other Comprehensive Income | $-1.12 Million | -1.07% |
| Other Changes | $522.00K | +0.5% |
| Total Change | $- | 21.48% |
Book Value vs Market Value Analysis
This analysis compares First Ottawa Bancshares Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.30x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 4.33x to 1.30x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1999-12-31 | $34.64 | $150.00 | x |
| 2000-12-31 | $33.85 | $150.00 | x |
| 2001-12-31 | $34.59 | $150.00 | x |
| 2002-12-31 | $38.26 | $150.00 | x |
| 2003-12-31 | $37.63 | $150.00 | x |
| 2004-12-31 | $36.61 | $150.00 | x |
| 2005-12-31 | $35.03 | $150.00 | x |
| 2006-12-31 | $36.19 | $150.00 | x |
| 2007-12-31 | $37.80 | $150.00 | x |
| 2008-12-31 | $38.08 | $150.00 | x |
| 2009-12-31 | $40.09 | $150.00 | x |
| 2010-12-31 | $35.55 | $150.00 | x |
| 2011-12-31 | $37.54 | $150.00 | x |
| 2015-12-31 | $44.93 | $150.00 | x |
| 2016-12-31 | $48.10 | $150.00 | x |
| 2017-12-31 | $52.16 | $150.00 | x |
| 2018-12-31 | $61.79 | $150.00 | x |
| 2019-12-31 | $63.98 | $150.00 | x |
| 2020-12-31 | $63.14 | $150.00 | x |
| 2021-12-31 | $75.25 | $150.00 | x |
| 2022-12-31 | $81.50 | $150.00 | x |
| 2023-12-31 | $96.15 | $150.00 | x |
| 2024-12-31 | $115.09 | $150.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently First Ottawa Bancshares Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 18.06%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 17.77%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 16.33x
- Recent ROE (18.06%) is above the historical average (9.34%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1999 | 8.29% | 11.97% | 0.07x | 9.26x | $-444.30K |
| 2000 | 9.26% | 11.79% | 0.08x | 9.96x | $-166.30K |
| 2001 | 9.22% | 12.16% | 0.07x | 10.15x | $-177.70K |
| 2002 | 9.08% | 14.72% | 0.06x | 9.56x | $-231.30K |
| 2003 | 9.97% | 16.13% | 0.05x | 11.94x | $-6.50K |
| 2004 | 11.02% | 15.71% | 0.06x | 12.10x | $242.80K |
| 2005 | 11.13% | 15.19% | 0.06x | 12.19x | $259.20K |
| 2006 | 9.93% | 13.19% | 0.06x | 11.83x | $-15.90K |
| 2007 | 9.81% | 13.74% | 0.07x | 10.94x | $-45.60K |
| 2008 | 7.51% | 12.35% | 0.05x | 11.15x | $-613.90K |
| 2009 | 7.06% | 11.73% | 0.06x | 10.92x | $-763.80K |
| 2010 | -9.15% | -15.01% | 0.05x | 12.44x | $-4.40 Million |
| 2011 | 3.09% | 5.75% | 0.05x | 11.16x | $-1.67 Million |
| 2015 | 8.06% | 17.87% | 0.05x | 9.86x | $-562.70K |
| 2016 | 10.71% | 22.99% | 0.05x | 9.31x | $215.00K |
| 2017 | 10.61% | 24.13% | 0.05x | 8.92x | $196.40K |
| 2018 | 9.21% | 22.63% | 0.05x | 7.62x | $-302.40K |
| 2019 | 4.84% | 12.38% | 0.04x | 9.23x | $-2.53 Million |
| 2020 | 5.61% | 7.72% | 0.04x | 17.39x | $-2.29 Million |
| 2021 | 18.09% | 23.71% | 0.05x | 15.30x | $5.15 Million |
| 2022 | 17.12% | 20.81% | 0.04x | 18.95x | $5.09 Million |
| 2023 | 16.18% | 16.10% | 0.06x | 17.19x | $5.35 Million |
| 2024 | 18.06% | 17.77% | 0.06x | 16.33x | $8.48 Million |
Industry Comparison
This section compares First Ottawa Bancshares Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| First Ottawa Bancshares Inc (FOTB) | $127.61 Million | 8.29% | 14.25x | $105.43 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |