Charles Howard - West Suburban Independent Director

Director

Mr. Charles P. Howard is an Independent Director of West Suburban Bancorp, Inc., since 1994 since 1994.
Age 60
Tenure 30 years
Phone630 652 2000
Webhttp://www.westsuburbanbank.com
Howard serves as an Administrative Pastor at Parkview Community Church. He served as Business Operations Director of Inner City Impact from May 1995 to April 2000 and previous to that as Vice President of Howard Concrete Company, Inc. for 20 years. He received a Bachelor of Arts degree from Trinity International University in Deerfield, Illinois and a Master of Arts degree from Wheaton College in Wheaton, Illinois.

West Suburban Management Efficiency

The company has return on total asset (ROA) of 0.42 % which means that it generated a profit of $0.42 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 4.59 %, meaning that it created $4.59 on every $100 dollars invested by stockholders. West Suburban's management efficiency ratios could be used to measure how well West Suburban manages its routine affairs as well as how well it operates its assets and liabilities.
The company currently holds 77 M in liabilities. Debt can assist West Suburban until it has trouble settling it off, either with new capital or with free cash flow. So, West Suburban'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 West Suburban Bancorp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for West to invest in growth at high rates of return. When we think about West Suburban's use of debt, we should always consider it together with cash and equity.

Similar Executives

Showing other executives

DIRECTOR Age

Susumu FujimotoMSAD Insurance Group
66
Bruce NolopMarsh McLennan Companies
70
Michael McColganEmployers Holdings
64
Mark MasonPrimerica
49
Takashi KurodaMSAD Insurance Group
61
Jerome DavisApogee Enterprises
62
Robert YostMarsh McLennan Companies
73
Lloyd YatesMarsh McLennan Companies
60
Shiro FujiiMSAD Insurance Group
61
Robert MarzecApogee Enterprises
71
Daiken TsunodaMSAD Insurance Group
50
Jann SkinnerQBE Insurance Group
59
Oscar MartinMarsh McLennan Companies
71
George BensonPrimerica
71
Katherine OngEmployers Holdings
57
Stephen FitzgeraldQBE Insurance Group
53
Jeanne MockardEmployers Holdings
56
Tamara IngramMarsh McLennan Companies
60
Noriyuki HaraMSAD Insurance Group
68
Prasanna DhoreEmployers Holdings
58
Edward HanwayMarsh McLennan Companies
66
West Suburban Bancorp, Inc. operates as the bank holding company for West Suburban Bank that provides consumer and commercial retail banking products and services for individuals and businesses in Illinois. West Suburban Bancorp, Inc. was founded in 1962 and is headquartered in Lombard, Illinois. West Suburban operates under BanksRegional classification in the United States and is traded on OTC Exchange. It employs 403 people. West Suburban Bancorp [WNRP] is a Pink Sheet which is traded between independent brokers as part of over-the-counter (OTC) trading.

Management Performance

West Suburban Bancorp Leadership Team

Elected by the shareholders, the West Suburban's board of directors comprises two types of representatives: West Suburban inside directors who are chosen from within the company, and outside directors, selected externally and held independent of West. The board's role is to monitor West Suburban's management team and ensure that shareholders' interests are well served. West Suburban'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, West Suburban's outside directors are responsible for providing unbiased perspectives on the board's policies.
Keith Acker, Chief Operations Officer, Chairman of West Suburban Bank and President of West Suburban Bank
Charles Howard, Independent Director
Michael Brosnahan, VP and Sr. VP of Lending - West Suburban Bank
Kevin Acker, Chairman and CEO
Duane Debs, President, CFO, Principal Accounting Officer and Director
Peggy LoCicero, Independent Director
David Bell, Independent Director

West 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 West Suburban 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.
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 West Suburban 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, West Suburban's short interest history, or implied volatility extrapolated from West Suburban options trading.

Also Currently Popular

Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.
Check out Your Current Watchlist to better understand how to build diversified portfolios. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in metropolitan statistical area.
You can also try the Positions Ratings module to determine portfolio positions ratings based on digital equity recommendations. Macroaxis instant position ratings are based on combination of fundamental analysis and risk-adjusted market performance.

Other Consideration for investing in West Pink Sheet

If you are still planning to invest in West Suburban 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 West Suburban's history and understand the potential risks before investing.
Cryptocurrency Center
Build and monitor diversified portfolio of extremely risky digital assets and cryptocurrency
Odds Of Bankruptcy
Get analysis of equity chance of financial distress in the next 2 years
My Watchlist Analysis
Analyze my current watchlist and to refresh optimization strategy. Macroaxis watchlist is based on self-learning algorithm to remember stocks you like
Portfolio Anywhere
Track or share privately all of your investments from the convenience of any device
Portfolio Diagnostics
Use generated alerts and portfolio events aggregator to diagnose current holdings
Portfolio File Import
Quickly import all of your third-party portfolios from your local drive in csv format
AI Portfolio Architect
Use AI to generate optimal portfolios and find profitable investment opportunities
Analyst Advice
Analyst recommendations and target price estimates broken down by several categories
Portfolio Comparator
Compare the composition, asset allocations and performance of any two portfolios in your account
Portfolio Manager
State of the art Portfolio Manager to monitor and improve performance of your invested capital
Money Flow Index
Determine momentum by analyzing Money Flow Index and other technical indicators
Sectors
List of equity sectors categorizing publicly traded companies based on their primary business activities
Bonds Directory
Find actively traded corporate debentures issued by US companies