Ottawa Bancorp Balance Sheet Health
Financial Health criteria checks 5/6
Ottawa Bancorp has total assets of $363.9M and total equity of $41.7M. Total deposits are $281.1M, and total loans are $312.2M earning a Net Interest Margin of 2.9%. It has insufficient allowance for bad loans, which are currently at 1.5% of total loans. Cash and short-term investments are $13.4M.
Key information
8.7x
Asset to equity ratio
2.9%
Net interest margin
Total deposits | US$281.11m |
Loan to deposit ratio | Appropriate |
Bad loans | 1.5% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | US$13.40m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: OTTW's Assets to Equity ratio (8.7x) is low.
Allowance for Bad Loans: OTTW has a low allowance for bad loans (91%).
Low Risk Liabilities: 87% of OTTW's liabilities are made up of primarily low risk sources of funding.
Loan Level: OTTW has an appropriate level of Loans to Assets ratio (86%).
Low Risk Deposits: OTTW's Loans to Deposits ratio (111%) is appropriate.
Level of Bad Loans: OTTW has an appropriate level of bad loans (1.5%).