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Profile - Northern States Financial (NasdaqSC:NSFC)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | Research | SEC | Msgs | Insider | Financials
Location
1601 North Lewis Avenue
Waukegan, IL 60085
Phone: (847) 244-6000
Fax: (847) 244-7485
Employees (last reported count): 119
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 46%
·Institutional: 2% (4% of float)
(11 institutions)
·Net Inst. Selling: 15.0K shares (+16.13%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Northern States Financial Corporation is the parent bank holding company of the Bank of Waukegan. The principal business of the Company, operating through the Bank, consists of attracting deposits and securities sold under repurchase agreements from the general public, making commercial loans, loans secured by residential and commercial real estate and consumer loans, and operating mortgage banking and trust businesses. The Bank provides a wide range of commercial business loans, including lines of credit for working capital purposes and term loans for the acquisition of equipment and other purposes. The Bank's consumer lending department provides all types of consumer loans including motor vehicle, home improvement, home equity, student loans, unsecured loans and small personal credit lines. The Bank's trust department has been providing trust services to the community for over 10 years.
More from Market Guide: Expanded Business Description

Financial Summary
NSFC is a multi-bank holding company for the Bank of Waukegan and First Federal Bank, FSB. For the six months ended 6/30/01, total interest income rose 8% to $19 million. Net interest income after loan loss prov. fell 3% to $8.8 million. Net income fell 9% to $3.6 million. Net interest income after LLP reflects lower interest rates and an increase in time deposits and other borrowings. Net income also reflects higher salary, employee benefits, occupancy and equipment expenses.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Fred Abdula, 75
Chairman, Pres
$208K
Helen Rumsa, 76
Director and Sec.
--  
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqSC:NSFCAs of 31-Aug-2001
Price and Volume
52-Week Low
on 3-Apr-2001
$16.875
Recent Price$20.90 
52-Week High
on 27-Oct-2000
$22.875
Beta0.14 
Daily Volume (3-month avg)1,818 
Daily Volume (10-day avg)2,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+2.0%
52-Week Change
relative to S&P500
+36.8%
Share-Related Items
Market Capitalization$93.3M
Shares Outstanding4.46M
Float2.40M
Dividends & Splits
Annual Dividend (indicated)$0.96 
Dividend Yield4.59%
Last Split: 5 for 1 on 18-May-1998
Per-Share Data
Book Value (mrq)$16.85 
Earnings (ttm)$1.69 
Earnings (mrq)$0.44 
Sales (ttm)$8.67 
Cash (mrq)$4.18 
Valuation Ratios
Price/Book (mrq)1.24 
Price/Earnings (ttm)12.34 
Price/Sales (ttm)2.41 
Income Statements
Sales (ttm)$38.7M
EBITDAN/A 
Income available to common (ttm)$7.56M
Profitability
Profit Margin (ttm)19.5%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)1.43%
Return on Equity (ttm)10.51%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$18.7M
Short Interest
As of 8-Aug-2001
Shares Short4,000 
Percent of Float0.2%
Shares Short
(Prior Month)
0 
Short Ratio1.33 
Daily Volume3,000 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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