Leane Cerven - NorthWest Indiana EVP
EVP
Ms. Leane English Cerven is the Executive Vice President, General Counsel, Secretary of the Company of Peoples Bank SB. Ms. Cerven joined the Bancorp and the Bank in May of 2010. Prior to joining the Bancorp and Bank, she practiced law for sixteen years in Chicago, first as an Associate Attorney with Mayer, Brown Platt where she practiced primarily in the banking area, which included transactions involving the Resolution Trust CorporationrationrationFDIC, corporate, international, bankruptcy, and litigation practice areas, and then as Vice President and Legal Counsel for Bank One where she practiced primarily in the commercial finance area, including secured and unsecured transactions, mergers and acquisitions, workouts, purchase of assets out of bankruptcy, international and multicurrency transactions, syndications, ESOP financings, and capital regulations. She is licensed to practice law in Indiana and Illinois. Ms. Cerven holds a Juris Doctorate degree from Valparaiso University School of Law and a Bachelor of Arts degree from the University of Minnesota, Minneapolis. She is a 2014 graduate of the ABA Stonier Graduate School of Banking and successfully completed The Wharton School Leadership Certificate. She is a member of the Stonier Graduate School of Banking Advisory Board. She is also a member of the ABAs Regional Bank General Counsels Group since 2013.
| Age | 56 |
| Tenure | 11 years |
| Phone | 219 836 4400 |
| Web | http://www.ibankpeoples.com |
NorthWest Indiana Management Efficiency
The company has return on total asset (ROA) of 1.17 % which means that it generated a profit of $1.17 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 11.57 %, meaning that it created $11.57 on every $100 dollars invested by stockholders. NorthWest Indiana's management efficiency ratios could be used to measure how well NorthWest Indiana manages its routine affairs as well as how well it operates its assets and liabilities.The company currently holds 23.5 M in liabilities with Debt to Equity (D/E) ratio of 9.69, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist NorthWest Indiana until it has trouble settling it off, either with new capital or with free cash flow. So, NorthWest Indiana's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like NorthWest Indiana Bancorp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for NorthWest to invest in growth at high rates of return. When we think about NorthWest Indiana's use of debt, we should always consider it together with cash and equity.
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| Yan Sun | Kingdee International Software | 40 | |
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Management Performance
| Return On Equity | 11.57 | |||
| Return On Asset | 1.17 |
NorthWest Indiana Bancorp Leadership Team
Elected by the shareholders, the NorthWest Indiana's board of directors comprises two types of representatives: NorthWest Indiana inside directors who are chosen from within the company, and outside directors, selected externally and held independent of NorthWest. The board's role is to monitor NorthWest Indiana's management team and ensure that shareholders' interests are well served. NorthWest Indiana's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, NorthWest Indiana's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Anthony Puntillo, Independent Director | ||
| Benjamin Bochnowski, President, COO, Director, COO of Peoples Bank SB and President of Peoples Bank SB and Director Peoples Bank SB | ||
| Donald Fesko, Independent Director | ||
| Joel Gorelick, Director | ||
| James Wieser, Director | ||
| Amy Han, Independent Director | ||
| David Bochnowski, Chairman, CEO, Chairman of Executive Committee, CEO of Peoples Bank SB and Chairman of Peoples Bank SB | ||
| Edward Furticella, Director | ||
| Kenneth Krupinski, Independent Director | ||
| Robert Lowry, CFO, Principal Accounting Officer, Executive VP, Treasurer, CFO of Peoples Bank SB, Principal Accounting Officer of Peoples Bank SB, Executive VP of Peoples Bank SB and Treasurer of Peoples Bank SB | ||
| John Diederich, Executive Vice-Pres and Executive Vice-President of Peoples Bank SB | ||
| Leane Cerven, Executive VP, General Counsel, Corporate Secretary, Executive VP of Peoples Bank SB, General Counsel of Peoples Bank SB and Corporate Secretary of Peoples Bank SB | ||
| Danette Garza, Director | ||
| Stanley Mize, Independent Director | ||
| Todd Scheub, Executive Vice President Chief Banking Officer | ||
| Robert Johnson, Director |
NorthWest Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right pink sheet is not an easy task. Is NorthWest Indiana a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
| Return On Equity | 11.57 | |||
| Return On Asset | 1.17 | |||
| Profit Margin | 27.52 % | |||
| Operating Margin | 33.62 % | |||
| Current Valuation | 157.94 M | |||
| Shares Outstanding | 3.48 M | |||
| Shares Owned By Insiders | 17.39 % | |||
| Shares Owned By Institutions | 5.39 % | |||
| Price To Earning | 9.17 X | |||
| Price To Book | 1.00 X |
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards NorthWest Indiana in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, NorthWest Indiana's short interest history, or implied volatility extrapolated from NorthWest Indiana options trading.
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Other Consideration for investing in NorthWest Pink Sheet
If you are still planning to invest in NorthWest Indiana Bancorp check if it may still be traded through OTC markets such as Pink Sheets or OTC Bulletin Board. You may also purchase it directly from the company, but this is not always possible and may require contacting the company directly. Please note that delisted stocks are often considered to be more risky investments, as they are no longer subject to the same regulatory and reporting requirements as listed stocks. Therefore, it is essential to carefully research the NorthWest Indiana's history and understand the potential risks before investing.
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