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"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001089907.svg",
"report_text": "The relative strengths and weaknesses of SWK Holdings Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of SWK Holdings Corp compared to the market average is the variable Stockholders Equity, increasing the Economic Capital Ratio by 76% points.The greatest weakness of SWK Holdings Corp is the variable Other Assets, reducing the Economic Capital Ratio by 9.7% points.
The company's Economic Capital Ratio, given in the ranking table, is 104%, being 88% points above the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001089907_2020_SWK_Holdings_Corp.pdf",
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"Other Net Income": "-3.04",
"Economic Capital Ratio": "86.4"
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"Other Net Income": "-656",
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"Revenues": "25,990",
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"Comprehensive Net Income": "6,195",
"BaseVar": "132,026",
"ECR before LimitedLiability": "103%",
"Economic Capital Ratio": "103%"
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"Other Expenses": "-3,601",
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"Other Net Income": "2,202",
"Other Revenues": "30,747",
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"Comprehensive Net Income": "23,828",
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{
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"name": "Lendingtree Inc",
"rank": 2,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001434621.svg",
"report_text": "The relative strengths and weaknesses of Lendingtree Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Lendingtree Inc compared to the market average is the variable Other Revenues, increasing the Economic Capital Ratio by 33% points.The greatest weakness of Lendingtree Inc is the variable Expenses, reducing the Economic Capital Ratio by 132% points.
The company's Economic Capital Ratio, given in the ranking table, is 33%, being 16% points above the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001434621_2020_Lendingtree_Inc.pdf",
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"Other Net Income": "-3.90",
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"Comprehensive Net Income": "10.9",
"Other Net Income": "-3.82",
"Economic Capital Ratio": "20.8"
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"Selling and Marketing Expense": "-95.4",
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"Other Net Income": "-3.99",
"Economic Capital Ratio": "16.5"
}
},
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"Other Compr. Net Income": "-3,714",
"Other Expenses": "54,329",
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{
"company_id": "0000885550",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0000885550.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0000885550.svg",
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"name": "Credit Acceptance CORP",
"rank": 3,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0000885550.svg",
"report_text": "The relative strengths and weaknesses of Credit Acceptance CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Credit Acceptance CORP compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 22% points.The greatest weakness of Credit Acceptance CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 48% points.
The company's Economic Capital Ratio, given in the ranking table, is 31%, being 14% points above the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0000885550_2020_Credit_Acceptance_CORP.pdf",
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"Economic Capital Ratio": "10.4"
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"Other Revenues": "15.5",
"Comprehensive Net Income": "8.32",
"Other Net Income": "-1.25",
"Economic Capital Ratio": "14.1"
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"Assets": "-1.22",
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"Other Net Income": "-2.08",
"Economic Capital Ratio": "14.2"
},
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"Liabilities": "9.53",
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"Comprehensive Net Income": "7.22",
"Other Net Income": "-1.82",
"Economic Capital Ratio": "14.0"
}
},
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"Expenses": "639,800",
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"Other Expenses": "264,000",
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"Other Net Income": "0",
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"Professional Fees": "0",
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"Liabilities": "4,246,500",
"Expenses": "711,800",
"Revenues": "1,285,800",
"Stockholders Equity": "1,990,900",
"Net Income": "574,000",
"Comprehensive Net Income": "573,900",
"BaseVar": "6,240,800",
"ECR before LimitedLiability": "30%",
"Economic Capital Ratio": "31%"
}
},
"2019": {
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"Interest Expense": "196,200",
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{
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"report_text": "The relative strengths and weaknesses of OLD Market Capital Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of OLD Market Capital Corp compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 25% points.The greatest weakness of OLD Market Capital Corp is the variable Debt, reducing the Economic Capital Ratio by 49% points.
The company's Economic Capital Ratio, given in the ranking table, is 27%, being 10% points above the market average of 17%.",
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2019/analytics/equity/0001000045.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2019/analytics/profit_loss/0001000045.svg"
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{
"company_id": "0001519401",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0001519401.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001519401.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001519401.jpg",
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"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0001519401_main_keyfigs.svg",
"name": "Regional Management Corp",
"rank": 5,
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"report_text": "The relative strengths and weaknesses of Regional Management Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Regional Management Corp compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 17% points.The greatest weakness of Regional Management Corp is the variable Debt, reducing the Economic Capital Ratio by 56% points.
The company's Economic Capital Ratio, given in the ranking table, is 23%, being 6.5% points above the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001519401_2020_Regional_Management_Corp.pdf",
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"Comprehensive Net Income": "2.85",
"Economic Capital Ratio": "7.69"
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"Assets": "3.35",
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{
"company_id": "0001529864",
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"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001529864.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001529864.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001529864_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0001529864_main_keyfigs.svg",
"name": "Enova International Inc",
"rank": 6,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001529864.svg",
"report_text": "The relative strengths and weaknesses of Enova International Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Enova International Inc compared to the market average is the variable Other Revenues, increasing the Economic Capital Ratio by 21% points.The greatest weakness of Enova International Inc is the variable Expenses, reducing the Economic Capital Ratio by 58% points.
The company's Economic Capital Ratio, given in the ranking table, is 21%, being 4.9% points above the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001529864_2020_Enova_International_Inc.pdf",
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"2016": {
"Assets": "-18.0",
"Liabilities": "16.2",
"ECR before LimitedLiability": "5.93",
"Other Assets": "-8.24",
"Notes Receivable": "-2.00",
"Loans": "-8.18",
"Deposits": "18.7",
"Other Liabilities": "12.0",
"Debt": "-45.7",
"Expenses": "-58.9",
"Net Income": "2.85",
"Selling and Marketing Expense": "-6.50",
"General and Administrative Expense": "-6.35",
"Other Expenses": "-14.5",
"Depreciation and Amortization": "-1.14",
"Operating Expenses": "-23.4",
"Other Revenues": "21.7",
"Revenues": "21.7",
"Comprehensive Net Income": "2.44",
"Other Net Income": "-7.32",
"Economic Capital Ratio": "4.67"
},
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"Assets": "-17.9",
"Liabilities": "15.9",
"ECR before LimitedLiability": "5.70",
"Other Assets": "-8.64",
"Loans": "-8.26",
"Other Liabilities": "12.7",
"Debt": "-50.5",
"Deposits": "18.7",
"Expenses": "-57.0",
"Net Income": "1.82",
"Selling and Marketing Expense": "-6.26",
"Other Expenses": "-14.4",
"Operating Expenses": "-21.9",
"Labor and Related Expense": "0.890",
"General and Administrative Expense": "-6.37",
"Other Revenues": "21.5",
"Revenues": "21.5",
"Comprehensive Net Income": "2.15",
"Other Net Income": "-8.62",
"Economic Capital Ratio": "5.00"
},
"2018": {
"Other Assets": "-8.89",
"Assets": "-20.6",
"Liabilities": "18.6",
"Stockholders Equity": "-1.07",
"ECR before LimitedLiability": "7.29",
"Notes Receivable": "-1.76",
"Loans": "-10.8",
"Deposits": "21.2",
"Other Liabilities": "11.7",
"Debt": "-50.4",
"Expenses": "-68.7",
"Revenues": "23.9",
"Net Income": "3.55",
"Other Expenses": "-23.0",
"Selling and Marketing Expense": "-7.36",
"Operating Expenses": "-24.9",
"General and Administrative Expense": "-6.68",
"Other Revenues": "23.9",
"Comprehensive Net Income": "3.33",
"Other Net Income": "-10.5",
"Economic Capital Ratio": "7.02"
},
"2019": {
"Other Assets": "-7.63",
"Assets": "-18.5",
"Liabilities": "16.2",
"ECR before LimitedLiability": "5.06",
"Cash and Cash Equivalents": "-1.24",
"Notes Receivable": "-3.10",
"Loans": "-7.36",
"Deposits": "18.7",
"Debt": "-38.5",
"Other Liabilities": "9.46",
"General and Administrative Expense": "-4.92",
"Expenses": "-57.7",
"Revenues": "21.5",
"Comprehensive Net Income": "1.19",
"Other Expenses": "-23.3",
"Operating Expenses": "-17.8",
"Selling and Marketing Expense": "-4.66",
"Labor and Related Expense": "0.892",
"Other Revenues": "21.5",
"Other Net Income": "-11.9",
"Economic Capital Ratio": "4.87"
}
},
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"2016": {
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"Debt": "649,911",
"Deposits": "0",
"Depreciation and Amortization": "15,564",
"General and Administrative Expense": "97,956",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "561,550",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "296,126",
"Other Assets": "350,089",
"Other Compr. Net Income": "-6,956",
"Other Expenses": "139,876",
"Other Liabilities": "86,269",
"Other Net Income": "-64,041",
"Other Revenues": "745,569",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "97,404"
},
"output_variables": {
"Assets": "977,879",
"Liabilities": "736,180",
"Expenses": "646,926",
"Revenues": "745,569",
"Stockholders Equity": "241,699",
"Net Income": "34,602",
"Comprehensive Net Income": "27,646",
"BaseVar": "1,588,776",
"ECR before LimitedLiability": "17%",
"Economic Capital Ratio": "22%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "98,144",
"Debt": "788,542",
"Deposits": "0",
"Depreciation and Amortization": "14,388",
"General and Administrative Expense": "101,723",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "704,705",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "312,695",
"Other Assets": "356,611",
"Other Compr. Net Income": "4,492",
"Other Expenses": "187,752",
"Other Liabilities": "89,231",
"Other Net Income": "-96,514",
"Other Revenues": "843,741",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "101,429"
},
"output_variables": {
"Assets": "1,159,460",
"Liabilities": "877,773",
"Expenses": "717,987",
"Revenues": "843,741",
"Stockholders Equity": "281,687",
"Net Income": "29,240",
"Comprehensive Net Income": "33,732",
"BaseVar": "1,849,984",
"ECR before LimitedLiability": "17%",
"Economic Capital Ratio": "22%"
}
},
"2018": {
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"Deposits": "0",
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"General and Administrative Expense": "107,060",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "859,946",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "360,002",
"Other Assets": "415,322",
"Other Compr. Net Income": "-6,719",
"Other Expenses": "329,796",
"Other Liabilities": "122,488",
"Other Net Income": "-106,659",
"Other Revenues": "1,114,074",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "125,269"
},
"output_variables": {
"Assets": "1,328,185",
"Liabilities": "980,417",
"Expenses": "937,317",
"Revenues": "1,114,074",
"Stockholders Equity": "347,768",
"Net Income": "70,098",
"Comprehensive Net Income": "63,379",
"BaseVar": "2,236,686",
"ECR before LimitedLiability": "21%",
"Economic Capital Ratio": "24%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "35,895",
"Debt": "991,181",
"Deposits": "0",
"Depreciation and Amortization": "15,055",
"General and Administrative Expense": "109,204",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "1,062,650",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "323,653",
"Other Assets": "475,807",
"Other Compr. Net Income": "10,739",
"Other Expenses": "405,556",
"Other Liabilities": "206,558",
"Other Net Income": "-169,545",
"Other Revenues": "1,174,757",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "115,132"
},
"output_variables": {
"Assets": "1,574,352",
"Liabilities": "1,197,739",
"Expenses": "968,600",
"Revenues": "1,174,757",
"Stockholders Equity": "376,613",
"Net Income": "36,612",
"Comprehensive Net Income": "47,351",
"BaseVar": "2,547,866",
"ECR before LimitedLiability": "17%",
"Economic Capital Ratio": "21%"
}
}
},
"top_rated": true,
"trend": 2.0,
"value": 0.21453913033670208,
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2019/analytics/equity/0001529864.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2019/analytics/profit_loss/0001529864.svg"
},
{
"company_id": "0001409970",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0001409970.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001409970.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001409970.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001409970_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0001409970_main_keyfigs.svg",
"name": "Lendingclub Corp",
"rank": 7,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001409970.svg",
"report_text": "The relative strengths and weaknesses of Lendingclub Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Lendingclub Corp compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 16% points.The greatest weakness of Lendingclub Corp is the variable Other Liabilities, reducing the Economic Capital Ratio by 38% points.
The company's Economic Capital Ratio, given in the ranking table, is 21%, being 4.6% points above the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001409970_2020_Lendingclub_Corp.pdf",
"shrinked_graph_json": {
"2016": {
"Cash and Cash Equivalents": "3.53",
"Assets": "-0.966",
"Liabilities": "2.00",
"ECR before LimitedLiability": "-1.33",
"Other Assets": "12.6",
"Notes Receivable": "-1.51",
"Loans": "-14.9",
"Deposits": "10.3",
"Other Liabilities": "-43.0",
"Debt": "4.16",
"Expenses": "-3.83",
"Net Income": "-2.00",
"Selling and Marketing Expense": "-2.11",
"General and Administrative Expense": "-1.87",
"Other Expenses": "5.94",
"Operating Expenses": "-6.04",
"Other Revenues": "3.53",
"Revenues": "3.53",
"Comprehensive Net Income": "-1.90",
"Other Net Income": "-1.17",
"Economic Capital Ratio": "-2.60"
},
"2017": {
"Notes Receivable": "-1.44",
"Assets": "-2.42",
"Liabilities": "4.78",
"Stockholders Equity": "1.41",
"Economic Capital Ratio": "-1.62",
"Cash and Cash Equivalents": "4.12",
"Other Assets": "12.9",
"Loans": "-16.1",
"Other Liabilities": "-40.0",
"Debt": "3.63",
"Deposits": "11.1",
"Expenses": "-7.93",
"Revenues": "6.53",
"Net Income": "-2.68",
"Selling and Marketing Expense": "-3.34",
"Other Expenses": "6.60",
"Operating Expenses": "-9.94",
"General and Administrative Expense": "-2.77",
"Other Revenues": "6.53",
"Comprehensive Net Income": "-2.64",
"Other Net Income": "-1.04"
},
"2018": {
"Other Assets": "13.0",
"Assets": "-3.96",
"Liabilities": "7.67",
"Stockholders Equity": "1.78",
"Economic Capital Ratio": "-0.718",
"Notes Receivable": "-1.26",
"Cash and Cash Equivalents": "5.85",
"Loans": "-18.0",
"Deposits": "12.5",
"Other Liabilities": "-39.4",
"Debt": "3.21",
"Expenses": "-13.0",
"Revenues": "8.68",
"Net Income": "-2.93",
"Other Expenses": "8.56",
"Selling and Marketing Expense": "-4.79",
"Operating Expenses": "-16.3",
"General and Administrative Expense": "-4.33",
"Other Revenues": "8.68",
"Comprehensive Net Income": "-2.83",
"Other Net Income": "-1.72"
},
"2019": {
"Other Assets": "15.7",
"Assets": "-4.38",
"Liabilities": "12.0",
"Stockholders Equity": "5.09",
"ECR before LimitedLiability": "4.75",
"Cash and Cash Equivalents": "4.24",
"Notes Receivable": "-2.22",
"Loans": "-18.3",
"Deposits": "15.8",
"Debt": "4.64",
"Other Liabilities": "-37.6",
"General and Administrative Expense": "-6.23",
"Expenses": "-21.2",
"Revenues": "14.1",
"Comprehensive Net Income": "-1.60",
"Other Expenses": "13.1",
"Operating Expenses": "-25.6",
"Selling and Marketing Expense": "-7.07",
"Other Revenues": "14.1",
"Other Net Income": "-1.57",
"Economic Capital Ratio": "4.56"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0001409970_strength_weakness.svg",
"table_records": {
"2016": {
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"Depreciation and Amortization": "0",
"General and Administrative Expense": "207,172",
"Interest Expense": "0",
"Interest Payable": "43,574",
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"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "651,009",
"Other Assets": "4,869,219",
"Other Compr. Net Income": "904",
"Other Expenses": "-428,070",
"Other Liabilities": "4,543,287",
"Other Net Income": "0",
"Other Revenues": "500,812",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "216,670"
},
"output_variables": {
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"Liabilities": "4,586,861",
"Expenses": "646,781",
"Revenues": "500,812",
"Stockholders Equity": "975,770",
"Net Income": "-145,969",
"Comprehensive Net Income": "-145,065",
"BaseVar": "5,648,994",
"ECR before LimitedLiability": "6.8%",
"Economic Capital Ratio": "14%"
}
},
"2017": {
"input_variables": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "191,683",
"Interest Expense": "0",
"Interest Payable": "32,992",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "727,953",
"Other Assets": "3,996,542",
"Other Compr. Net Income": "762",
"Other Expenses": "-420,916",
"Other Liabilities": "3,680,082",
"Other Net Income": "210",
"Other Revenues": "574,540",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "229,865"
},
"output_variables": {
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"Expenses": "728,585",
"Revenues": "574,540",
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"BaseVar": "4,829,001",
"ECR before LimitedLiability": "7.4%",
"Economic Capital Ratio": "15%"
}
},
"2018": {
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"Deposits": "0",
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"Interest Expense": "0",
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"Other Expenses": "-497,115",
"Other Liabilities": "2,929,305",
"Other Net Income": "-155",
"Other Revenues": "694,812",
"Professional Fees": "0",
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"output_variables": {
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"Liabilities": "2,948,546",
"Expenses": "822,965",
"Revenues": "694,812",
"Stockholders Equity": "870,981",
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"Comprehensive Net Income": "-128,146",
"BaseVar": "4,143,084",
"ECR before LimitedLiability": "9.1%",
"Economic Capital Ratio": "16%"
}
},
"2019": {
"input_variables": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "238,292",
"Interest Expense": "0",
"Interest Payable": "9,260",
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"Other Expenses": "-517,916",
"Other Liabilities": "2,072,894",
"Other Net Income": "-55",
"Other Revenues": "758,607",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "279,423"
},
"output_variables": {
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"Liabilities": "2,082,154",
"Expenses": "789,297",
"Revenues": "758,607",
"Stockholders Equity": "900,187",
"Net Income": "-30,745",
"Comprehensive Net Income": "-31,467",
"BaseVar": "3,306,588",
"ECR before LimitedLiability": "17%",
"Economic Capital Ratio": "21%"
}
}
},
"top_rated": true,
"trend": 21.0,
"value": 0.211423784234173,
"company_index": "https://www.realrate-archive.com/us_savings/2019/industry_indexes/0001409970.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2019/analytics/equity/0001409970.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2019/analytics/profit_loss/0001409970.svg"
},
{
"company_id": "0001742089",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0001742089.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001742089.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001742089.jpg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001742089_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0001742089_main_keyfigs.svg",
"name": "CBM Bancorp INC",
"rank": 8,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001742089.svg",
"report_text": "The relative strengths and weaknesses of CBM Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of CBM Bancorp INC compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 8.9% points.The greatest weakness of CBM Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 14% points.
The company's Economic Capital Ratio, given in the ranking table, is 21%, being 4.5% points above the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001742089_2020_CBM_Bancorp_INC.pdf",
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"Assets": "3.70",
"Liabilities": "1.09",
"Stockholders Equity": "5.19",
"ECR before LimitedLiability": "4.68",
"Notes Receivable": "-0.905",
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"Other Liabilities": "7.85",
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"Other Expenses": "0.716",
"Selling and Marketing Expense": "0.448",
"Operating Expenses": "1.04",
"Other Revenues": "-2.13",
"Revenues": "-2.13",
"Economic Capital Ratio": "4.41",
"Other Net Income": "-1.03"
},
"2019": {
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"Assets": "3.66",
"Liabilities": "1.27",
"Expenses": "2.66",
"Stockholders Equity": "5.32",
"ECR before LimitedLiability": "4.70",
"Notes Receivable": "-1.71",
"Loans": "8.89",
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"Deposits": "-13.7",
"Debt": "3.59",
"Other Liabilities": "7.37",
"General and Administrative Expense": "0.309",
"Other Expenses": "0.455",
"Operating Expenses": "0.516",
"Selling and Marketing Expense": "0.586",
"Labor and Related Expense": "0.487",
"Other Revenues": "-2.15",
"Revenues": "-2.15",
"Economic Capital Ratio": "4.51",
"Other Net Income": "-0.753"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0001742089_strength_weakness.svg",
"table_records": {
"2018": {
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"Other Expenses": "223",
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The greatest strength of Encore Capital Group INC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 18% points.The greatest weakness of Encore Capital Group INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 45% points.
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"report_text": "The relative strengths and weaknesses of Pennymac Financial Services Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Pennymac Financial Services Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 20% points.The greatest weakness of Pennymac Financial Services Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 49% points.
The company's Economic Capital Ratio, given in the ranking table, is 20%, being 3.9% points above the market average of 17%.",
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The greatest strength of Mid Southern Bancorp Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 6.4% points.The greatest weakness of Mid Southern Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 11% points.
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The greatest strength of Onemain Holdings Inc compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Onemain Holdings Inc is the variable Debt, reducing the Economic Capital Ratio by 61% points.
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The greatest strength of American Honda Finance CORP compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 15% points.The greatest weakness of American Honda Finance CORP is the variable Debt, reducing the Economic Capital Ratio by 48% points.
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The greatest strength of Waterstone Financial Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 7.5% points.The greatest weakness of Waterstone Financial Inc is the variable Debt, reducing the Economic Capital Ratio by 7.2% points.
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The greatest strength of Eureka Homestead Bancorp Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 19% points.The greatest weakness of Eureka Homestead Bancorp Inc is the variable Loans, reducing the Economic Capital Ratio by 14% points.
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"name": "FFBW Inc",
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"report_text": "The relative strengths and weaknesses of FFBW Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of FFBW Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 6.6% points.The greatest weakness of FFBW Inc is the variable Deposits, reducing the Economic Capital Ratio by 13% points.
The company's Economic Capital Ratio, given in the ranking table, is 19%, being 2.1% points above the market average of 17%.",
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"name": "FFBW Inc MD",
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"report_text": "The relative strengths and weaknesses of FFBW Inc MD are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of FFBW Inc MD compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 6.6% points.The greatest weakness of FFBW Inc MD is the variable Deposits, reducing the Economic Capital Ratio by 13% points.
The company's Economic Capital Ratio, given in the ranking table, is 19%, being 2.1% points above the market average of 17%.",
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"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001778784.svg",
"report_text": "The relative strengths and weaknesses of Provident Bancorp Inc MD are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Provident Bancorp Inc MD compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Provident Bancorp Inc MD is the variable Deposits, reducing the Economic Capital Ratio by 13% points.
The company's Economic Capital Ratio, given in the ranking table, is 18%, being 1.8% points above the market average of 17%.",
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"report_text": "The relative strengths and weaknesses of Kentucky First Federal Bancorp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Kentucky First Federal Bancorp compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Kentucky First Federal Bancorp is the variable Other Assets, reducing the Economic Capital Ratio by 5.6% points.
The company's Economic Capital Ratio, given in the ranking table, is 18%, being 1.2% points above the market average of 17%.",
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"name": "Eagle Financial Bancorp Inc",
"rank": 20,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001699018.svg",
"report_text": "The relative strengths and weaknesses of Eagle Financial Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Eagle Financial Bancorp Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 9.2% points.The greatest weakness of Eagle Financial Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 13% points.
The company's Economic Capital Ratio, given in the ranking table, is 18%, being 1.1% points above the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001699018_2020_Eagle_Financial_Bancorp_Inc.pdf",
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"Other Net Income": "1.72"
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}
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{
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"name": "Oconee Federal Financial Corp",
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"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001501078.svg",
"report_text": "The relative strengths and weaknesses of Oconee Federal Financial Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Oconee Federal Financial Corp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 7.3% points.The greatest weakness of Oconee Federal Financial Corp is the variable Deposits, reducing the Economic Capital Ratio by 14% points.
The company's Economic Capital Ratio, given in the ranking table, is 17%, being 0.56% points above the market average of 17%.",
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"ECR before LimitedLiability": "11%",
"Economic Capital Ratio": "17%"
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},
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{
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"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0000731288.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0000731288.svg",
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"name": "Paccar Financial CORP",
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"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0000731288.svg",
"report_text": "The relative strengths and weaknesses of Paccar Financial CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Paccar Financial CORP compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Paccar Financial CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 49% points.
The company's Economic Capital Ratio, given in the ranking table, is 17%, being 0.32% points above the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0000731288_2020_Paccar_Financial_CORP.pdf",
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"Labor and Related Expense": "0.489",
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"Operating Expenses": "1.18",
"Other Revenues": "3.63",
"Revenues": "3.63",
"Comprehensive Net Income": "0.535",
"Other Net Income": "-1.46",
"Economic Capital Ratio": "0.580"
},
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"Assets": "-0.396",
"Liabilities": "1.13",
"Expenses": "-1.61",
"Revenues": "3.38",
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"General and Administrative Expense": "0",
"Interest Expense": "101,200",
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"Other Compr. Net Income": "1,600",
"Other Expenses": "-247,800",
"Other Liabilities": "6,782,300",
"Other Net Income": "672,400",
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"Liabilities": "6,782,300",
"Expenses": "281,200",
"Revenues": "0",
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"Comprehensive Net Income": "392,800",
"BaseVar": "8,045,050",
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"Economic Capital Ratio": "21%"
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"Revenues": "707,500",
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"BaseVar": "9,122,900",
"ECR before LimitedLiability": "11%",
"Economic Capital Ratio": "17%"
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{
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"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001580608.svg",
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"name": "Santander Consumer USA Holdings Inc",
"rank": 23,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001580608.svg",
"report_text": "The relative strengths and weaknesses of Santander Consumer USA Holdings Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Santander Consumer USA Holdings Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 16% points.The greatest weakness of Santander Consumer USA Holdings Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 52% points.
The company's Economic Capital Ratio, given in the ranking table, is 17%, being 0.29% points above the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001580608_2020_Santander_Consumer_USA_Holdings_Inc.pdf",
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"Assets": "-3.26",
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"Economic Capital Ratio": "1.79"
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"Other Net Income": "9.29",
"Economic Capital Ratio": "0.552"
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"Assets": "1.06",
"Liabilities": "-1.17",
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"Notes Receivable": "-1.89",
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"Expenses": "2.55",
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"Revenues": "-2.20",
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"Other Net Income": "0.821",
"Economic Capital Ratio": "0.294"
}
},
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"Interest Expense": "807,484",
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"Operating Expenses": "351,893",
"Other Assets": "35,621,625",
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"Other Net Income": "6,529,596",
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"ECR before LimitedLiability": "12%",
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}
},
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{
"company_id": "0001691337",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0001691337.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001691337.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001691337.png",
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"name": "PCSB Financial Corp",
"rank": 24,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001691337.svg",
"report_text": "The relative strengths and weaknesses of PCSB Financial Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of PCSB Financial Corp compared to the market average is the variable Securities, increasing the Economic Capital Ratio by 8.6% points.The greatest weakness of PCSB Financial Corp is the variable Deposits, reducing the Economic Capital Ratio by 12% points.
The company's Economic Capital Ratio, given in the ranking table, is 17%, being 0.25% points above the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001691337_2020_PCSB_Financial_Corp.pdf",
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"Economic Capital Ratio": "0.763",
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},
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"BaseVar": "1,345,040",
"ECR before LimitedLiability": "11%",
"Economic Capital Ratio": "18%"
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},
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{
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"report_text": "The relative strengths and weaknesses of Ottawa Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Ottawa Bancorp Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 9.4% points.The greatest weakness of Ottawa Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 14% points.
The company's Economic Capital Ratio, given in the ranking table, is 17%, being 0.23% points above the market average of 17%.",
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{
"company_id": "0001700175",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0001700175.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001700175.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001700175.svg",
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"name": "Heritage NOLA Bancorp Inc",
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"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001700175.svg",
"report_text": "The relative strengths and weaknesses of Heritage NOLA Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Heritage NOLA Bancorp Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 8.6% points.The greatest weakness of Heritage NOLA Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 6.7% points.
The company's Economic Capital Ratio, given in the ranking table, is 17%, being 0.20% points above the market average of 17%.",
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{
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"name": "Kearny Financial Corp",
"rank": 27,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001617242.svg",
"report_text": "The relative strengths and weaknesses of Kearny Financial Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Kearny Financial Corp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 8.1% points.The greatest weakness of Kearny Financial Corp is the variable Debt, reducing the Economic Capital Ratio by 4.6% points.
The company's Economic Capital Ratio, given in the ranking table, is 17%, being 0.081% points below the market average of 17%.",
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"Other Expenses": "14,404",
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"BaseVar": "5,977,757",
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{
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"name": "Heritage Financial CORP WA",
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"report_text": "The relative strengths and weaknesses of Heritage Financial CORP WA are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Heritage Financial CORP WA compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 8.0% points.The greatest weakness of Heritage Financial CORP WA is the variable Deposits, reducing the Economic Capital Ratio by 16% points.
The company's Economic Capital Ratio, given in the ranking table, is 16%, being 0.15% points below the market average of 17%.",
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{
"company_id": "0001178970",
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"name": "Provident Financial Services INC",
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"report_text": "The relative strengths and weaknesses of Provident Financial Services INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Provident Financial Services INC compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 7.8% points.The greatest weakness of Provident Financial Services INC is the variable Deposits, reducing the Economic Capital Ratio by 8.6% points.
The company's Economic Capital Ratio, given in the ranking table, is 16%, being 0.39% points below the market average of 17%.",
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"name": "HOME Bancorp INC",
"rank": 30,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001436425.svg",
"report_text": "The relative strengths and weaknesses of HOME Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of HOME Bancorp INC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 16% points.The greatest weakness of HOME Bancorp INC is the variable Loans, reducing the Economic Capital Ratio by 15% points.
The company's Economic Capital Ratio, given in the ranking table, is 16%, being 0.70% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001436425_2020_HOME_Bancorp_INC.pdf",
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"Assets": "0.309",
"Liabilities": "-0.669",
"Stockholders Equity": "-0.281",
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"Cash and Cash Equivalents": "-1.28",
"Notes Receivable": "-2.01",
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"Securities": "-0.433",
"Deposits": "-14.5",
"Debt": "4.11",
"Other Liabilities": "7.44",
"General and Administrative Expense": "0.352",
"Expenses": "0.708",
"Operating Expenses": "0.591",
"Selling and Marketing Expense": "0.615",
"Labor and Related Expense": "-0.795",
"Other Revenues": "-2.23",
"Revenues": "-2.23",
"Economic Capital Ratio": "-0.701",
"Other Net Income": "1.72"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0001436425_strength_weakness.svg",
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"2019": {
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"Debt": "0",
"Deposits": "1,820,975",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "38,415",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "7,118",
"Operating Expenses": "0",
"Other Assets": "2,200,465",
"Other Compr. Net Income": "2,898",
"Other Expenses": "21,500",
"Other Liabilities": "63,161",
"Other Net Income": "84,872",
"Other Revenues": "2,069",
"Professional Fees": "856",
"Securities": "0",
"Selling and Marketing Expense": "1,576"
},
"output_variables": {
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"Liabilities": "1,884,136",
"Expenses": "69,465",
"Revenues": "2,069",
"Stockholders Equity": "316,329",
"Net Income": "17,476",
"Comprehensive Net Income": "20,374",
"BaseVar": "2,121,952",
"ECR before LimitedLiability": "8.7%",
"Economic Capital Ratio": "16%"
}
}
},
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"value": 0.1588305312995505,
"company_index": "https://www.realrate-archive.com/us_savings/2019/industry_indexes/0001436425.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2019/analytics/equity/0001436425.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2019/analytics/profit_loss/0001436425.svg"
},
{
"company_id": "0001493225",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0001493225.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001493225.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001493225.svg",
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"name": "Northfield Bancorp Inc",
"rank": 31,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001493225.svg",
"report_text": "The relative strengths and weaknesses of Northfield Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Northfield Bancorp Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 5.7% points.The greatest weakness of Northfield Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 6.2% points.
The company's Economic Capital Ratio, given in the ranking table, is 16%, being 0.85% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001493225_2020_Northfield_Bancorp_Inc.pdf",
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"Assets": "2.45",
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"Operating Expenses": "2.80",
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"Comprehensive Net Income": "0.689",
"Economic Capital Ratio": "-0.596"
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"Assets": "1.68",
"Liabilities": "-1.46",
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"Securities": "-0.507",
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"Expenses": "3.29",
"Net Income": "0.436",
"Selling and Marketing Expense": "0.479",
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"Operating Expenses": "1.87",
"Labor and Related Expense": "0.537",
"General and Administrative Expense": "0.433",
"Other Revenues": "-2.66",
"Revenues": "-2.66",
"Comprehensive Net Income": "0.459",
"Economic Capital Ratio": "-0.215"
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"Assets": "1.35",
"Liabilities": "-1.88",
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"Deposits": "-9.34",
"Other Liabilities": "4.44",
"Debt": "2.63",
"Expenses": "3.53",
"Revenues": "-2.19",
"Comprehensive Net Income": "0.439",
"Labor and Related Expense": "0.479",
"Other Expenses": "0.708",
"Selling and Marketing Expense": "0.493",
"Operating Expenses": "1.16",
"Other Revenues": "-2.19",
"Other Net Income": "-0.576",
"Economic Capital Ratio": "-0.727"
},
"2019": {
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"Assets": "0.719",
"Liabilities": "-1.32",
"Stockholders Equity": "-0.452",
"ECR before LimitedLiability": "-0.658",
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"Securities": "-0.431",
"Deposits": "-6.21",
"Debt": "4.07",
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"General and Administrative Expense": "0.349",
"Expenses": "1.87",
"Other Expenses": "0.252",
"Operating Expenses": "0.586",
"Selling and Marketing Expense": "0.612",
"Other Revenues": "-2.10",
"Revenues": "-2.10",
"Economic Capital Ratio": "-0.848",
"Other Net Income": "0.433"
}
},
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"2016": {
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"Debt": "0",
"Deposits": "2,713,587",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "2,943,489",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "810,520",
"Other Compr. Net Income": "-1,346",
"Other Expenses": "13,665",
"Other Liabilities": "515,311",
"Other Net Income": "39,795",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "3,850,094",
"Liabilities": "3,228,898",
"Expenses": "13,665",
"Revenues": "0",
"Stockholders Equity": "621,196",
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"Comprehensive Net Income": "24,784",
"BaseVar": "3,566,899",
"ECR before LimitedLiability": "9.5%",
"Economic Capital Ratio": "16%"
}
},
"2017": {
"input_variables": {
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"Debt": "0",
"Deposits": "2,836,979",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
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"Operating Expenses": "0",
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"Other Expenses": "26,978",
"Other Liabilities": "515,561",
"Other Net Income": "51,746",
"Other Revenues": "0",
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"Securities": "0",
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"output_variables": {
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"Expenses": "26,978",
"Revenues": "0",
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"Comprehensive Net Income": "24,541",
"BaseVar": "3,711,454",
"ECR before LimitedLiability": "9.4%",
"Economic Capital Ratio": "16%"
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"2018": {
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"Other Assets": "1,112,997",
"Other Compr. Net Income": "-3,696",
"Other Expenses": "9,632",
"Other Liabilities": "455,481",
"Other Net Income": "49,711",
"Other Revenues": "0",
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"output_variables": {
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"Liabilities": "3,741,993",
"Expenses": "9,632",
"Revenues": "0",
"Stockholders Equity": "666,439",
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"Comprehensive Net Income": "36,383",
"BaseVar": "4,106,732",
"ECR before LimitedLiability": "9.1%",
"Economic Capital Ratio": "16%"
}
},
"2019": {
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"Debt": "0",
"Deposits": "3,408,233",
"Depreciation and Amortization": "0",
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"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "39,571",
"Loans": "3,408,378",
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"Occupancy": "13,676",
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"Other Assets": "1,499,106",
"Other Compr. Net Income": "13,846",
"Other Expenses": "26,102",
"Other Liabilities": "951,216",
"Other Net Income": "114,265",
"Other Revenues": "12,306",
"Professional Fees": "3,545",
"Securities": "0",
"Selling and Marketing Expense": "3,442"
},
"output_variables": {
"Assets": "5,055,302",
"Liabilities": "4,359,449",
"Expenses": "86,336",
"Revenues": "12,306",
"Stockholders Equity": "695,853",
"Net Income": "40,235",
"Comprehensive Net Income": "54,081",
"BaseVar": "4,820,752",
"ECR before LimitedLiability": "8.5%",
"Economic Capital Ratio": "16%"
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}
},
"top_rated": false,
"trend": -2.0,
"value": 0.1573660909437568,
"company_index": "https://www.realrate-archive.com/us_savings/2019/industry_indexes/0001493225.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2019/analytics/equity/0001493225.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2019/analytics/profit_loss/0001493225.svg"
},
{
"company_id": "0000792966",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0000792966.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0000792966.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0000792966.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000792966_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0000792966_main_keyfigs.svg",
"name": "Farmers Merchants Bancorp INC",
"rank": 32,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0000792966.svg",
"report_text": "The relative strengths and weaknesses of Farmers Merchants Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Farmers Merchants Bancorp INC compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 7.4% points.The greatest weakness of Farmers Merchants Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 13% points.
The company's Economic Capital Ratio, given in the ranking table, is 16%, being 0.89% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0000792966_2020_Farmers_Merchants_Bancorp_INC.pdf",
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"Loans": "6.41",
"Economic Capital Ratio": "-2.07",
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"2019": {
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"Assets": "0.461",
"Liabilities": "-0.837",
"Expenses": "0.949",
"Revenues": "-2.30",
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"Other Net Income": "1.27"
}
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"Economic Capital Ratio": "15%"
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"2019": {
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{
"company_id": "0001070296",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0001070296.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001070296.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001070296.svg",
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"name": "First Capital INC",
"rank": 33,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001070296.svg",
"report_text": "The relative strengths and weaknesses of First Capital INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of First Capital INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 7.3% points.The greatest weakness of First Capital INC is the variable Deposits, reducing the Economic Capital Ratio by 18% points.
The company's Economic Capital Ratio, given in the ranking table, is 16%, being 0.94% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001070296_2020_First_Capital_INC.pdf",
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"Economic Capital Ratio": "-0.944"
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"Debt": "0",
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"Interest Expense": "0",
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"Other Assets": "362,504",
"Other Compr. Net Income": "-2,787",
"Other Expenses": "2,523",
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"Other Net Income": "9,400",
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"Revenues": "0",
"Stockholders Equity": "75,842",
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"Comprehensive Net Income": "4,090",
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"Revenues": "0",
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"Other Net Income": "10,660",
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"Revenues": "0",
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"Comprehensive Net Income": "7,836",
"BaseVar": "757,926",
"ECR before LimitedLiability": "6.8%",
"Economic Capital Ratio": "14%"
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{
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"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001393612.svg",
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"name": "Discover Financial Services",
"rank": 34,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001393612.svg",
"report_text": "The relative strengths and weaknesses of Discover Financial Services are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Discover Financial Services compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 7.8% points.The greatest weakness of Discover Financial Services is the variable Other Assets, reducing the Economic Capital Ratio by 8.5% points.
The company's Economic Capital Ratio, given in the ranking table, is 16%, being 1.1% points below the market average of 17%.",
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"Other Compr. Net Income": "37,000",
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"Other Net Income": "3,835,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "10,595,000",
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},
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"Expenses": "878,000",
"Revenues": "0",
"Stockholders Equity": "11,859,000",
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"ECR before LimitedLiability": "8.3%",
"Economic Capital Ratio": "16%"
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2019/analytics/equity/0001393612.svg",
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{
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"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001556727.svg",
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"name": "First Northwest Bancorp",
"rank": 35,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001556727.svg",
"report_text": "The relative strengths and weaknesses of First Northwest Bancorp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of First Northwest Bancorp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 7.1% points.The greatest weakness of First Northwest Bancorp is the variable Deposits, reducing the Economic Capital Ratio by 11% points.
The company's Economic Capital Ratio, given in the ranking table, is 16%, being 1.1% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001556727_2020_First_Northwest_Bancorp.pdf",
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{
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"report_text": "The relative strengths and weaknesses of LAKE Shore Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of LAKE Shore Bancorp INC compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 7.4% points.The greatest weakness of LAKE Shore Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 12% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 1.1% points below the market average of 17%.",
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{
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"report_text": "The relative strengths and weaknesses of Esquire Financial Holdings Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Esquire Financial Holdings Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 7.1% points.The greatest weakness of Esquire Financial Holdings Inc is the variable Deposits, reducing the Economic Capital Ratio by 16% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 1.1% points below the market average of 17%.",
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{
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"name": "Beacon Financial Corp",
"rank": 38,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001108134.svg",
"report_text": "The relative strengths and weaknesses of Beacon Financial Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Beacon Financial Corp compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 7.0% points.The greatest weakness of Beacon Financial Corp is the variable Deposits, reducing the Economic Capital Ratio by 11% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 1.2% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001108134_2020_Beacon_Financial_Corp.pdf",
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"Liabilities": "8,069,244",
"Expenses": "239,448",
"Revenues": "298,118",
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"Interest Expense": "0",
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"Revenues": "420,484",
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"Other Liabilities": "1,676,932",
"Other Net Income": "0",
"Other Revenues": "469,235",
"Professional Fees": "8,693",
"Securities": "56,638",
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"Liabilities": "10,659,313",
"Expenses": "363,470",
"Revenues": "469,235",
"Stockholders Equity": "1,552,918",
"Net Income": "105,765",
"Comprehensive Net Income": "93,491",
"BaseVar": "11,858,262",
"ECR before LimitedLiability": "7.6%",
"Economic Capital Ratio": "15%"
}
},
"2019": {
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"Debt": "0",
"Deposits": "10,335,977",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
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"Other Net Income": "-4,071",
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"Expenses": "347,739",
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{
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"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0001163370.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001163370.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001163370.svg",
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"name": "Northrim Bancorp INC",
"rank": 39,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001163370.svg",
"report_text": "The relative strengths and weaknesses of Northrim Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Northrim Bancorp INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 6.8% points.The greatest weakness of Northrim Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 14% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 1.4% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001163370_2020_Northrim_Bancorp_INC.pdf",
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}
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2019/analytics/equity/0001163370.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2019/analytics/profit_loss/0001163370.svg"
},
{
"company_id": "0001530249",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0001530249.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001530249.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001530249.svg",
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"name": "FS Bancorp Inc",
"rank": 40,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001530249.svg",
"report_text": "The relative strengths and weaknesses of FS Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of FS Bancorp Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 15% points.The greatest weakness of FS Bancorp Inc is the variable Loans, reducing the Economic Capital Ratio by 15% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 1.4% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001530249_2020_FS_Bancorp_Inc.pdf",
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"Net Income": "22,717",
"Comprehensive Net Income": "24,984",
"BaseVar": "1,693,173",
"ECR before LimitedLiability": "7.8%",
"Economic Capital Ratio": "15%"
}
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},
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"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2019/analytics/profit_loss/0001530249.svg"
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{
"company_id": "0001015780",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0001015780.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001015780.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001015780.svg",
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"name": "E Trade Financial CORP",
"rank": 41,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001015780.svg",
"report_text": "The relative strengths and weaknesses of E Trade Financial CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of E Trade Financial CORP compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 14% points.The greatest weakness of E Trade Financial CORP is the variable Loans, reducing the Economic Capital Ratio by 14% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 1.5% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001015780_2020_E_Trade_Financial_CORP.pdf",
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"Assets": "0.754",
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"Notes Receivable": "-1.35",
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"Comprehensive Net Income": "1.05",
"Other Net Income": "-1.05"
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"Assets": "-0.414",
"Liabilities": "-1.51",
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"Economic Capital Ratio": "-1.47"
}
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"Interest Expense": "0",
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"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "42,038,000",
"Other Compr. Net Income": "-324,000",
"Other Expenses": "374,000",
"Other Liabilities": "11,045,000",
"Other Net Income": "0",
"Other Revenues": "1,941,000",
"Professional Fees": "97,000",
"Securities": "0",
"Selling and Marketing Expense": "131,000"
},
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"Liabilities": "42,727,000",
"Expenses": "1,103,000",
"Revenues": "1,941,000",
"Stockholders Equity": "6,272,000",
"Net Income": "838,000",
"Comprehensive Net Income": "514,000",
"BaseVar": "47,547,000",
"ECR before LimitedLiability": "8.0%",
"Economic Capital Ratio": "15%"
}
},
"2019": {
"input_variables": {
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"Debt": "1,410,000",
"Deposits": "38,606,000",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "670,000",
"Loans": "1,595,000",
"Notes Receivable": "0",
"Occupancy": "135,000",
"Operating Expenses": "0",
"Other Assets": "57,192,000",
"Other Compr. Net Income": "-117,000",
"Other Expenses": "461,000",
"Other Liabilities": "14,857,000",
"Other Net Income": "0",
"Other Revenues": "2,886,000",
"Professional Fees": "105,000",
"Securities": "0",
"Selling and Marketing Expense": "196,000"
},
"output_variables": {
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"Liabilities": "54,873,000",
"Expenses": "1,567,000",
"Revenues": "2,886,000",
"Stockholders Equity": "6,543,000",
"Net Income": "1,319,000",
"Comprehensive Net Income": "1,202,000",
"BaseVar": "60,429,500",
"ECR before LimitedLiability": "7.7%",
"Economic Capital Ratio": "15%"
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{
"company_id": "0001464343",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0001464343.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001464343.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001464343.svg",
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"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0001464343_main_keyfigs.svg",
"name": "Atlanticus Holdings Corp",
"rank": 42,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001464343.svg",
"report_text": "The relative strengths and weaknesses of Atlanticus Holdings Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Atlanticus Holdings Corp compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 10% points.The greatest weakness of Atlanticus Holdings Corp is the variable Other Liabilities, reducing the Economic Capital Ratio by 54% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 1.6% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001464343_2020_Atlanticus_Holdings_Corp.pdf",
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"Expenses": "2.94",
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"Selling and Marketing Expense": "0.687",
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"Revenues": "-2.33",
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"Loans": "6.95",
"Securities": "-0.447",
"Comprehensive Net Income": "1.29",
"Other Net Income": "1.33",
"Economic Capital Ratio": "-1.56"
}
},
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"Debt": "0",
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"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
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"Loans": "725,959",
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"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "169,292",
"Other Compr. Net Income": "-3,325",
"Other Expenses": "5,553",
"Other Liabilities": "846,881",
"Other Net Income": "31,763",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "846,881",
"Expenses": "5,553",
"Revenues": "0",
"Stockholders Equity": "89,385",
"Net Income": "26,210",
"Comprehensive Net Income": "22,885",
"BaseVar": "911,894",
"ECR before LimitedLiability": "7.6%",
"Economic Capital Ratio": "15%"
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2019/analytics/equity/0001464343.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2019/analytics/profit_loss/0001464343.svg"
},
{
"company_id": "0001049782",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0001049782.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001049782.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001049782.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001049782_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0001049782_main_keyfigs.svg",
"name": "Brookline Bancorp INC",
"rank": 43,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001049782.svg",
"report_text": "The relative strengths and weaknesses of Brookline Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Brookline Bancorp INC compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 8.2% points.The greatest weakness of Brookline Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 9.0% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 1.6% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001049782_2020_Brookline_Bancorp_INC.pdf",
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"Stockholders Equity": "-1.54",
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"Labor and Related Expense": "0.577",
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"Comprehensive Net Income": "0.576",
"Economic Capital Ratio": "-1.84"
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"2018": {
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"Deposits": "-7.64",
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"Loans": "7.62",
"Comprehensive Net Income": "0.519",
"Other Net Income": "1.24",
"Economic Capital Ratio": "-1.85"
},
"2019": {
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"Debt": "-0.900",
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"Revenues": "-2.35",
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"Notes Receivable": "-2.08",
"Loans": "8.21",
"Securities": "-0.451",
"Other Net Income": "1.30",
"Economic Capital Ratio": "-1.56"
}
},
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"Other Net Income": "85,616",
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"ECR before LimitedLiability": "6.6%",
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"Economic Capital Ratio": "15%"
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},
"2019": {
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"Debt": "902,749",
"Deposits": "5,830,072",
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"Interest Expense": "0",
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"Loans": "6,676,734",
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},
"output_variables": {
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"Expenses": "185,750",
"Revenues": "0",
"Stockholders Equity": "945,606",
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"Comprehensive Net Income": "86,740",
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"ECR before LimitedLiability": "7.6%",
"Economic Capital Ratio": "15%"
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}
},
"top_rated": false,
"trend": 2.0,
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"company_index": "https://www.realrate-archive.com/us_savings/2019/industry_indexes/0001049782.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2019/analytics/equity/0001049782.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2019/analytics/profit_loss/0001049782.svg"
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{
"company_id": "0000921183",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0000921183.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0000921183.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0000921183.svg",
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"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0000921183_main_keyfigs.svg",
"name": "HMN Financial INC",
"rank": 44,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0000921183.svg",
"report_text": "The relative strengths and weaknesses of HMN Financial INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of HMN Financial INC compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 7.0% points.The greatest weakness of HMN Financial INC is the variable Deposits, reducing the Economic Capital Ratio by 17% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 1.6% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0000921183_2020_HMN_Financial_INC.pdf",
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The greatest strength of Shepherd s Finance LLC compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Shepherd s Finance LLC is the variable Other Liabilities, reducing the Economic Capital Ratio by 46% points.
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{
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The greatest strength of Plumas Bancorp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 6.6% points.The greatest weakness of Plumas Bancorp is the variable Deposits, reducing the Economic Capital Ratio by 16% points.
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The greatest strength of Home Federal Bancorp Inc of Louisiana compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 6.6% points.The greatest weakness of Home Federal Bancorp Inc of Louisiana is the variable Deposits, reducing the Economic Capital Ratio by 18% points.
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{
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"report_text": "The relative strengths and weaknesses of First Savings Financial Group Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of First Savings Financial Group Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 5.1% points.The greatest weakness of First Savings Financial Group Inc is the variable Deposits, reducing the Economic Capital Ratio by 6.3% points.
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"report_text": "The relative strengths and weaknesses of Farmers Merchants Bancshares Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Farmers Merchants Bancshares Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 7.5% points.The greatest weakness of Farmers Merchants Bancshares Inc is the variable Deposits, reducing the Economic Capital Ratio by 16% points.
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{
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"report_text": "The relative strengths and weaknesses of Hometrust Bancshares Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Hometrust Bancshares Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 6.9% points.The greatest weakness of Hometrust Bancshares Inc is the variable Deposits, reducing the Economic Capital Ratio by 6.1% points.
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{
"company_id": "0001032033",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0001032033.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001032033.svg",
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"name": "SLM Corp",
"rank": 51,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001032033.svg",
"report_text": "The relative strengths and weaknesses of SLM Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of SLM Corp compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 6.5% points.The greatest weakness of SLM Corp is the variable Deposits, reducing the Economic Capital Ratio by 9.0% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 1.9% points below the market average of 17%.",
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"Liabilities": "29,374,643",
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{
"company_id": "0001114927",
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"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001114927.svg",
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"name": "First Northern Community Bancorp",
"rank": 52,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001114927.svg",
"report_text": "The relative strengths and weaknesses of First Northern Community Bancorp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of First Northern Community Bancorp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 6.3% points.The greatest weakness of First Northern Community Bancorp is the variable Deposits, reducing the Economic Capital Ratio by 17% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 2.0% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001114927_2020_First_Northern_Community_Bancorp.pdf",
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"Economic Capital Ratio": "-1.96"
}
},
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"Interest Expense": "0",
"Interest Payable": "0",
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"Operating Expenses": "0",
"Other Assets": "337,350",
"Other Compr. Net Income": "-1,855",
"Other Expenses": "4,885",
"Other Liabilities": "10,769",
"Other Net Income": "12,936",
"Other Revenues": "0",
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"Economic Capital Ratio": "14%"
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{
"company_id": "0000774569",
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"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0000774569.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0000774569.svg",
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"name": "Cortland Bancorp INC",
"rank": 53,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0000774569.svg",
"report_text": "The relative strengths and weaknesses of Cortland Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Cortland Bancorp INC compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 6.2% points.The greatest weakness of Cortland Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 15% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 2.0% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0000774569_2020_Cortland_Bancorp_INC.pdf",
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},
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}
},
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"trend": 25.0,
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2019/analytics/equity/0000774569.svg",
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},
{
"company_id": "0001514743",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0001514743.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001514743.svg",
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"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0001514743_main_keyfigs.svg",
"name": "IF Bancorp Inc",
"rank": 54,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001514743.svg",
"report_text": "The relative strengths and weaknesses of IF Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of IF Bancorp Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 6.2% points.The greatest weakness of IF Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 14% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 2.0% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001514743_2020_IF_Bancorp_Inc.pdf",
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The greatest strength of Toyota Motor Credit CORP compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Toyota Motor Credit CORP is the variable Debt, reducing the Economic Capital Ratio by 56% points.
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"name": "Finward Bancorp",
"rank": 57,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0000919864.svg",
"report_text": "The relative strengths and weaknesses of Finward Bancorp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Finward Bancorp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 6.1% points.The greatest weakness of Finward Bancorp is the variable Deposits, reducing the Economic Capital Ratio by 17% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.1% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0000919864_2020_Finward_Bancorp.pdf",
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"Labor and Related Expense": "0.590",
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"Comprehensive Net Income": "0.975",
"Economic Capital Ratio": "-2.36"
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"Cash and Cash Equivalents": "-1.30",
"Loans": "4.89",
"Other Net Income": "-0.797",
"Economic Capital Ratio": "-3.50"
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"Liabilities": "-2.71",
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"Operating Expenses": "0.612",
"Selling and Marketing Expense": "0.696",
"Labor and Related Expense": "0.577",
"Other Revenues": "-2.35",
"Other Net Income": "-0.541",
"Economic Capital Ratio": "-2.12"
}
},
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"Deposits": "779,771",
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"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "575,952",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "337,674",
"Other Compr. Net Income": "-2,912",
"Other Expenses": "2,548",
"Other Liabilities": "49,747",
"Other Net Income": "11,690",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "829,518",
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"Revenues": "0",
"Stockholders Equity": "84,108",
"Net Income": "9,142",
"Comprehensive Net Income": "6,230",
"BaseVar": "880,147",
"ECR before LimitedLiability": "5.5%",
"Economic Capital Ratio": "13%"
}
},
"2017": {
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"Debt": "0",
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"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
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"Operating Expenses": "0",
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"Other Compr. Net Income": "2,079",
"Other Expenses": "2,869",
"Other Liabilities": "42,195",
"Other Net Income": "11,830",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "835,199",
"Expenses": "2,869",
"Revenues": "0",
"Stockholders Equity": "92,060",
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"Comprehensive Net Income": "11,040",
"BaseVar": "889,618",
"ECR before LimitedLiability": "6.5%",
"Economic Capital Ratio": "14%"
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},
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"General and Administrative Expense": "0",
"Interest Expense": "0",
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"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "339,720",
"Other Compr. Net Income": "-3,480",
"Other Expenses": "1,430",
"Other Liabilities": "64,908",
"Other Net Income": "10,767",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
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"Liabilities": "994,694",
"Expenses": "1,430",
"Revenues": "0",
"Stockholders Equity": "101,464",
"Net Income": "9,337",
"Comprehensive Net Income": "5,857",
"BaseVar": "1,053,264",
"ECR before LimitedLiability": "5.4%",
"Economic Capital Ratio": "13%"
}
},
"2019": {
"input_variables": {
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"Debt": "0",
"Deposits": "1,154,370",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "897,870",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "430,852",
"Other Compr. Net Income": "7,057",
"Other Expenses": "1,759",
"Other Liabilities": "40,249",
"Other Net Income": "13,856",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "1,194,619",
"Expenses": "1,759",
"Revenues": "0",
"Stockholders Equity": "134,103",
"Net Income": "12,097",
"Comprehensive Net Income": "19,154",
"BaseVar": "1,273,006",
"ECR before LimitedLiability": "6.8%",
"Economic Capital Ratio": "14%"
}
}
},
"top_rated": false,
"trend": 29.0,
"value": 0.14461524642724882,
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2019/analytics/equity/0000919864.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2019/analytics/profit_loss/0000919864.svg"
},
{
"company_id": "0001382230",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0001382230.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001382230.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001382230.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001382230_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0001382230_main_keyfigs.svg",
"name": "ESSA Bancorp Inc",
"rank": 58,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001382230.svg",
"report_text": "The relative strengths and weaknesses of ESSA Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of ESSA Bancorp Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 6.3% points.The greatest weakness of ESSA Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 9.5% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.1% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001382230_2020_ESSA_Bancorp_Inc.pdf",
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"Assets": "1.54",
"Liabilities": "-3.66",
"Stockholders Equity": "-1.95",
"ECR before LimitedLiability": "-2.14",
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"Loans": "5.55",
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"Debt": "3.85",
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"Revenues": "-3.74",
"Comprehensive Net Income": "0.610",
"Selling and Marketing Expense": "1.04",
"General and Administrative Expense": "1.15",
"Labor and Related Expense": "0.609",
"Other Expenses": "-0.973",
"Operating Expenses": "3.20",
"Other Revenues": "-3.74",
"Other Net Income": "-0.627",
"Economic Capital Ratio": "-3.41"
},
"2017": {
"Notes Receivable": "-1.34",
"Assets": "0.918",
"Liabilities": "-3.15",
"Stockholders Equity": "-2.03",
"ECR before LimitedLiability": "-2.12",
"Securities": "-0.582",
"Cash and Cash Equivalents": "-0.746",
"Other Assets": "-2.59",
"Loans": "5.44",
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"Debt": "3.27",
"Deposits": "-7.81",
"Expenses": "4.32",
"Selling and Marketing Expense": "0.534",
"Operating Expenses": "2.11",
"Labor and Related Expense": "0.599",
"General and Administrative Expense": "0.483",
"Other Revenues": "-2.88",
"Revenues": "-2.88",
"Economic Capital Ratio": "-2.82",
"Other Net Income": "-0.548"
},
"2018": {
"Other Assets": "-2.77",
"Assets": "0.460",
"Liabilities": "-3.33",
"Stockholders Equity": "-2.63",
"ECR before LimitedLiability": "-3.15",
"Notes Receivable": "-1.21",
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"Cash and Cash Equivalents": "-0.403",
"Loans": "5.04",
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"Debt": "2.89",
"Expenses": "3.93",
"Labor and Related Expense": "0.540",
"Other Expenses": "0.725",
"Selling and Marketing Expense": "0.555",
"Operating Expenses": "1.31",
"Other Revenues": "-2.42",
"Revenues": "-2.42",
"Economic Capital Ratio": "-3.42",
"Other Net Income": "-1.05"
},
"2019": {
"Other Assets": "-3.24",
"Assets": "0.723",
"Liabilities": "-2.66",
"Expenses": "3.40",
"Stockholders Equity": "-1.73",
"ECR before LimitedLiability": "-1.95",
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"Debt": "4.20",
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"General and Administrative Expense": "0.363",
"Other Expenses": "0.580",
"Operating Expenses": "0.611",
"Selling and Marketing Expense": "0.695",
"Labor and Related Expense": "0.577",
"Other Revenues": "-2.35",
"Revenues": "-2.35",
"Economic Capital Ratio": "-2.14",
"Other Net Income": "-0.701"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0001382230_strength_weakness.svg",
"table_records": {
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"Debt": "0",
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"Interest Expense": "0",
"Interest Payable": "0",
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"Loans": "1,219,213",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "509,608",
"Other Compr. Net Income": "563",
"Other Expenses": "2,583",
"Other Liabilities": "381,315",
"Other Net Income": "10,310",
"Other Revenues": "0",
"Professional Fees": "0",
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"Selling and Marketing Expense": "0"
},
"output_variables": {
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"BaseVar": "1,691,035",
"ECR before LimitedLiability": "5.7%",
"Economic Capital Ratio": "14%"
}
},
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"Debt": "0",
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"Interest Expense": "0",
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"Other Net Income": "8,930",
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},
"output_variables": {
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"ECR before LimitedLiability": "5.5%",
"Economic Capital Ratio": "13%"
}
},
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"Interest Expense": "0",
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"Liabilities": "1,609,919",
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"Revenues": "0",
"Stockholders Equity": "189,508",
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"Economic Capital Ratio": "14%"
}
}
},
"top_rated": false,
"trend": 27.0,
"value": 0.14440271896128026,
"company_index": "https://www.realrate-archive.com/us_savings/2019/industry_indexes/0001382230.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2019/analytics/equity/0001382230.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2019/analytics/profit_loss/0001382230.svg"
},
{
"company_id": "0001141807",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0001141807.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001141807.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001141807.svg",
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"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0001141807_main_keyfigs.svg",
"name": "1ST Constitution Bancorp",
"rank": 59,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001141807.svg",
"report_text": "The relative strengths and weaknesses of 1ST Constitution Bancorp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of 1ST Constitution Bancorp compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 14% points.The greatest weakness of 1ST Constitution Bancorp is the variable Loans, reducing the Economic Capital Ratio by 15% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.2% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001141807_2020_1ST_Constitution_Bancorp.pdf",
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"Other Net Income": "1.80",
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"Other Assets": "10.9",
"Loans": "-14.9",
"Other Net Income": "1.81",
"Economic Capital Ratio": "-2.63"
},
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},
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The greatest strength of Sound Financial Bancorp Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Sound Financial Bancorp Inc is the variable Loans, reducing the Economic Capital Ratio by 15% points.
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The greatest strength of Malvern Bancorp INC compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 7.0% points.The greatest weakness of Malvern Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 10% points.
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"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001060219.svg",
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"name": "Salisbury Bancorp INC",
"rank": 62,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001060219.svg",
"report_text": "The relative strengths and weaknesses of Salisbury Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Salisbury Bancorp INC compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 9.7% points.The greatest weakness of Salisbury Bancorp INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 53% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.3% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001060219_2020_Salisbury_Bancorp_INC.pdf",
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"Liabilities": "-3.12",
"Stockholders Equity": "-2.19",
"ECR before LimitedLiability": "-2.16",
"Securities": "-0.585",
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"Operating Expenses": "2.12",
"Labor and Related Expense": "0.603",
"General and Administrative Expense": "0.486",
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"Stockholders Equity": "-2.84",
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"Deposits": "9.45",
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"Operating Expenses": "1.31",
"Other Revenues": "-2.41",
"Revenues": "-2.41",
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"Notes Receivable": "-1.21",
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"Cash and Cash Equivalents": "0.736",
"Loans": "6.15",
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"Economic Capital Ratio": "-3.34"
},
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"Assets": "0.640",
"Liabilities": "-2.72",
"Stockholders Equity": "-1.87",
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"Operating Expenses": "0.617",
"Selling and Marketing Expense": "0.701",
"Labor and Related Expense": "0.582",
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"Revenues": "-2.36",
"Economic Capital Ratio": "-2.31",
"Other Net Income": "-0.407"
}
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"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
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"Operating Expenses": "0",
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"Other Expenses": "2,914",
"Other Liabilities": "889,470",
"Other Net Income": "9,170",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "889,470",
"Expenses": "2,914",
"Revenues": "0",
"Stockholders Equity": "97,514",
"Net Income": "6,256",
"Comprehensive Net Income": "5,958",
"BaseVar": "944,418",
"ECR before LimitedLiability": "5.8%",
"Economic Capital Ratio": "14%"
}
},
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"input_variables": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "909,279",
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"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "153,830",
"Other Compr. Net Income": "-415",
"Other Expenses": "1,709",
"Other Liabilities": "1,018,095",
"Other Net Income": "10,533",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "1,018,095",
"Expenses": "1,709",
"Revenues": "0",
"Stockholders Equity": "103,459",
"Net Income": "8,824",
"Comprehensive Net Income": "8,409",
"BaseVar": "1,076,153",
"ECR before LimitedLiability": "5.6%",
"Economic Capital Ratio": "14%"
}
},
"2019": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
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"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "158,150",
"Other Compr. Net Income": "1,577",
"Other Expenses": "2,359",
"Other Liabilities": "998,793",
"Other Net Income": "13,495",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "998,793",
"Expenses": "2,359",
"Revenues": "0",
"Stockholders Equity": "113,655",
"Net Income": "11,136",
"Comprehensive Net Income": "12,713",
"BaseVar": "1,064,336",
"ECR before LimitedLiability": "6.6%",
"Economic Capital Ratio": "14%"
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}
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"top_rated": false,
"trend": 21.0,
"value": 0.1427246562125608,
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2019/analytics/equity/0001060219.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2019/analytics/profit_loss/0001060219.svg"
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{
"company_id": "0001552493",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0001552493.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001552493.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001552493.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001552493_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0001552493_main_keyfigs.svg",
"name": "CNH Industrial Capital LLC",
"rank": 63,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001552493.svg",
"report_text": "The relative strengths and weaknesses of CNH Industrial Capital LLC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of CNH Industrial Capital LLC compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 10% points.The greatest weakness of CNH Industrial Capital LLC is the variable Other Liabilities, reducing the Economic Capital Ratio by 51% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.3% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001552493_2020_CNH_Industrial_Capital_LLC.pdf",
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"2017": {
"Notes Receivable": "-1.32",
"Assets": "-1.31",
"Liabilities": "-0.958",
"Stockholders Equity": "-2.28",
"ECR before LimitedLiability": "-0.755",
"Securities": "-0.570",
"Cash and Cash Equivalents": "-1.00",
"Other Assets": "-5.19",
"Loans": "6.93",
"Other Liabilities": "-50.4",
"Debt": "3.31",
"Deposits": "10.6",
"Other Revenues": "2.55",
"Revenues": "2.55",
"Net Income": "1.45",
"Comprehensive Net Income": "1.76",
"Selling and Marketing Expense": "0.532",
"Labor and Related Expense": "0.597",
"Other Net Income": "-0.952",
"Interest Expense": "-1.69",
"Economic Capital Ratio": "-1.46"
},
"2018": {
"Other Assets": "-4.66",
"Assets": "-1.66",
"Liabilities": "-0.968",
"Stockholders Equity": "-2.65",
"ECR before LimitedLiability": "-2.43",
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"Cash and Cash Equivalents": "-0.876",
"Loans": "5.82",
"Deposits": "10.3",
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"Debt": "2.99",
"Expenses": "-0.617",
"Revenues": "3.19",
"Net Income": "0.669",
"Interest Expense": "-1.85",
"Other Expenses": "0.749",
"Selling and Marketing Expense": "0.570",
"Operating Expenses": "-0.932",
"Other Revenues": "3.19",
"Other Net Income": "-1.62",
"Economic Capital Ratio": "-2.70"
},
"2019": {
"Other Assets": "-4.22",
"Assets": "-1.60",
"Liabilities": "-0.702",
"Stockholders Equity": "-2.36",
"ECR before LimitedLiability": "-2.13",
"Cash and Cash Equivalents": "-0.954",
"Notes Receivable": "-2.24",
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"Debt": "4.50",
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"Expenses": "-1.25",
"Operating Expenses": "-1.58",
"Selling and Marketing Expense": "0.744",
"Labor and Related Expense": "0.618",
"Interest Expense": "-1.94",
"Other Revenues": "3.32",
"Revenues": "3.32",
"Economic Capital Ratio": "-2.32",
"Other Net Income": "-1.44"
}
},
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"table_records": {
"2017": {
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"General and Administrative Expense": "0",
"Interest Expense": "322,570",
"Interest Payable": "0",
"Labor and Related Expense": "0",
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"Occupancy": "0",
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"Other Assets": "2,823,399",
"Other Compr. Net Income": "43,973",
"Other Expenses": "-47,048",
"Other Liabilities": "12,136,439",
"Other Net Income": "0",
"Other Revenues": "938,932",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "12,136,439",
"Expenses": "688,443",
"Revenues": "938,932",
"Stockholders Equity": "1,375,639",
"Net Income": "250,489",
"Comprehensive Net Income": "294,462",
"BaseVar": "13,659,932",
"ECR before LimitedLiability": "7.7%",
"Economic Capital Ratio": "15%"
}
},
"2018": {
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"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "325,280",
"Interest Payable": "0",
"Labor and Related Expense": "0",
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"Occupancy": "0",
"Operating Expenses": "354,757",
"Other Assets": "2,820,658",
"Other Compr. Net Income": "-46,836",
"Other Expenses": "41,472",
"Other Liabilities": "11,576,180",
"Other Net Income": "0",
"Other Revenues": "878,354",
"Professional Fees": "0",
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},
"output_variables": {
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"Liabilities": "11,576,180",
"Expenses": "721,509",
"Revenues": "878,354",
"Stockholders Equity": "1,355,732",
"Net Income": "156,845",
"Comprehensive Net Income": "110,009",
"BaseVar": "13,077,396",
"ECR before LimitedLiability": "6.4%",
"Economic Capital Ratio": "14%"
}
},
"2019": {
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"General and Administrative Expense": "0",
"Interest Expense": "347,273",
"Interest Payable": "0",
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"Loans": "9,835,274",
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"Other Assets": "2,843,847",
"Other Compr. Net Income": "23,200",
"Other Expenses": "44,211",
"Other Liabilities": "11,591,046",
"Other Net Income": "0",
"Other Revenues": "900,889",
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},
"output_variables": {
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"Liabilities": "11,591,046",
"Expenses": "751,886",
"Revenues": "900,889",
"Stockholders Equity": "1,263,041",
"Net Income": "149,003",
"Comprehensive Net Income": "172,203",
"BaseVar": "13,060,554",
"ECR before LimitedLiability": "6.6%",
"Economic Capital Ratio": "14%"
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}
},
"top_rated": false,
"trend": 5.0,
"value": 0.14263235163514093,
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2019/analytics/equity/0001552493.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2019/analytics/profit_loss/0001552493.svg"
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{
"company_id": "0000806279",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0000806279.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0000806279.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0000806279.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000806279_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0000806279_main_keyfigs.svg",
"name": "Codorus Valley Bancorp INC",
"rank": 64,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0000806279.svg",
"report_text": "The relative strengths and weaknesses of Codorus Valley Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Codorus Valley Bancorp INC compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 6.7% points.The greatest weakness of Codorus Valley Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 15% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.3% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0000806279_2020_Codorus_Valley_Bancorp_INC.pdf",
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"Assets": "1.25",
"Liabilities": "-3.56",
"Stockholders Equity": "-2.11",
"ECR before LimitedLiability": "-2.13",
"Securities": "-0.537",
"Other Assets": "-6.31",
"Notes Receivable": "-1.44",
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"Revenues": "-3.76",
"Net Income": "0.821",
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"General and Administrative Expense": "1.15",
"Labor and Related Expense": "0.612",
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"Operating Expenses": "3.21",
"Other Revenues": "-3.76",
"Comprehensive Net Income": "0.775",
"Economic Capital Ratio": "-3.40"
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"Liabilities": "-3.07",
"Stockholders Equity": "-2.32",
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"Revenues": "-2.91",
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"Operating Expenses": "2.13",
"Labor and Related Expense": "0.605",
"General and Administrative Expense": "0.488",
"Other Revenues": "-2.91",
"Comprehensive Net Income": "0.591",
"Economic Capital Ratio": "-2.89"
},
"2018": {
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"Stockholders Equity": "-2.54",
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"Deposits": "-12.4",
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"Other Expenses": "0.727",
"Selling and Marketing Expense": "0.542",
"Operating Expenses": "1.28",
"Other Revenues": "-2.37",
"Revenues": "-2.37",
"Other Assets": "-6.43",
"Notes Receivable": "-1.17",
"Securities": "-0.474",
"Cash and Cash Equivalents": "0.775",
"Loans": "6.50",
"Comprehensive Net Income": "0.619",
"Other Net Income": "-0.463",
"Economic Capital Ratio": "-2.82"
},
"2019": {
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"Assets": "0.594",
"Liabilities": "-2.71",
"Stockholders Equity": "-1.91",
"ECR before LimitedLiability": "-2.13",
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"Selling and Marketing Expense": "0.702",
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"Other Revenues": "-2.37",
"Revenues": "-2.37",
"Economic Capital Ratio": "-2.32",
"Other Net Income": "-0.376"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0000806279_strength_weakness.svg",
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"Other Compr. Net Income": "-2,492",
"Other Expenses": "5,886",
"Other Liabilities": "67,143",
"Other Net Income": "18,988",
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"Interest Expense": "0",
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"Other Expenses": "9,904",
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"Other Net Income": "21,908",
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},
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"BaseVar": "1,643,168",
"ECR before LimitedLiability": "5.8%",
"Economic Capital Ratio": "14%"
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},
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The greatest strength of MSB Financial CORP compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 8.2% points.The greatest weakness of MSB Financial CORP is the variable Deposits, reducing the Economic Capital Ratio by 12% points.
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The greatest strength of IBM Credit LLC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 14% points.The greatest weakness of IBM Credit LLC is the variable Other Liabilities, reducing the Economic Capital Ratio by 52% points.
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The greatest strength of Western New England Bancorp Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 7.1% points.The greatest weakness of Western New England Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 11% points.
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"Revenues": "0",
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"Comprehensive Net Income": "15,307",
"BaseVar": "2,013,762",
"ECR before LimitedLiability": "6.7%",
"Economic Capital Ratio": "14%"
}
},
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"Interest Expense": "0",
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"Revenues": "0",
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{
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"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0000027673.svg",
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"rank": 68,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0000027673.svg",
"report_text": "The relative strengths and weaknesses of Deere JOHN Capital CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Deere JOHN Capital CORP compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 10% points.The greatest weakness of Deere JOHN Capital CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 51% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.4% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0000027673_2020_Deere_JOHN_Capital_CORP.pdf",
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"General and Administrative Expense": "0",
"Interest Expense": "422,100",
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"Operating Expenses": "1,151,900",
"Other Assets": "5,375,400",
"Other Compr. Net Income": "-20,600",
"Other Expenses": "-286,600",
"Other Liabilities": "30,482,100",
"Other Net Income": "1,600",
"Other Revenues": "2,094,200",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "466,900"
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"Liabilities": "30,482,100",
"Expenses": "1,754,300",
"Revenues": "2,094,200",
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"Liabilities": "35,961,500",
"Expenses": "2,472,800",
"Revenues": "2,890,300",
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2019/analytics/equity/0000027673.svg",
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"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0001680379.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001680379.svg",
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"rank": 69,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001680379.svg",
"report_text": "The relative strengths and weaknesses of Sterling Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Sterling Bancorp Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 8.8% points.The greatest weakness of Sterling Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 11% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.5% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001680379_2020_Sterling_Bancorp_Inc.pdf",
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}
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{
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"name": "Greene County Bancorp INC",
"rank": 70,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001070524.svg",
"report_text": "The relative strengths and weaknesses of Greene County Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Greene County Bancorp INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 5.6% points.The greatest weakness of Greene County Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 17% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.7% points below the market average of 17%.",
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"report_text": "The relative strengths and weaknesses of FORD Motor Credit CO LLC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of FORD Motor Credit CO LLC compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 14% points.The greatest weakness of FORD Motor Credit CO LLC is the variable Other Liabilities, reducing the Economic Capital Ratio by 52% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.7% points below the market average of 17%.",
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"name": "Seneca Financial Corp",
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"report_text": "The relative strengths and weaknesses of Seneca Financial Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Seneca Financial Corp compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 6.1% points.The greatest weakness of Seneca Financial Corp is the variable Deposits, reducing the Economic Capital Ratio by 7.7% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.8% points below the market average of 17%.",
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"report_text": "The relative strengths and weaknesses of Citizens Community Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Citizens Community Bancorp Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Citizens Community Bancorp Inc is the variable Loans, reducing the Economic Capital Ratio by 15% points.
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The greatest strength of Broadway Financial CORP DE compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 8.8% points.The greatest weakness of Broadway Financial CORP DE is the variable Other Assets, reducing the Economic Capital Ratio by 8.3% points.
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The greatest strength of SSB Bancorp Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 5.9% points.The greatest weakness of SSB Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 8.5% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 3.0% points below the market average of 17%.",
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"name": "Korth Direct Mortgage Inc",
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"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001695963.svg",
"report_text": "The relative strengths and weaknesses of Korth Direct Mortgage Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Korth Direct Mortgage Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Korth Direct Mortgage Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 54% points.
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"Interest Expense": "0",
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"Other Expenses": "-74",
"Other Liabilities": "2,404",
"Other Net Income": "0",
"Other Revenues": "46",
"Professional Fees": "0",
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"Liabilities": "2,404",
"Expenses": "290",
"Revenues": "46",
"Stockholders Equity": "-318",
"Net Income": "-244",
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{
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"name": "Bankunited Inc",
"rank": 77,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001504008.svg",
"report_text": "The relative strengths and weaknesses of Bankunited Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Bankunited Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Bankunited Inc is the variable Loans, reducing the Economic Capital Ratio by 15% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 3.1% points below the market average of 17%.",
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{
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"report_text": "The relative strengths and weaknesses of Cincinnati Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Cincinnati Bancorp Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 5.6% points.The greatest weakness of Cincinnati Bancorp Inc is the variable Other Assets, reducing the Economic Capital Ratio by 7.1% points.
The company's Economic Capital Ratio, given in the ranking table, is 13%, being 3.1% points below the market average of 17%.",
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{
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"name": "DIME Community Bancshares INC",
"rank": 79,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001005409.svg",
"report_text": "The relative strengths and weaknesses of DIME Community Bancshares INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of DIME Community Bancshares INC compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 6.9% points.The greatest weakness of DIME Community Bancshares INC is the variable Deposits, reducing the Economic Capital Ratio by 5.7% points.
The company's Economic Capital Ratio, given in the ranking table, is 13%, being 3.1% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001005409_2020_DIME_Community_Bancshares_INC.pdf",
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},
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"Operating Expenses": "0",
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"Other Compr. Net Income": "560",
"Other Expenses": "37,642",
"Other Liabilities": "1,475,077",
"Other Net Income": "133,379",
"Other Revenues": "8,870",
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"Selling and Marketing Expense": "1,992"
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"Liabilities": "5,757,702",
"Expenses": "106,063",
"Revenues": "8,870",
"Stockholders Equity": "596,758",
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{
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"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001787414.svg",
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"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001787414.svg",
"report_text": "The relative strengths and weaknesses of Bogota Financial Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Bogota Financial Corp compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 5.1% points.The greatest weakness of Bogota Financial Corp is the variable Other Assets, reducing the Economic Capital Ratio by 6.3% points.
The company's Economic Capital Ratio, given in the ranking table, is 13%, being 3.2% points below the market average of 17%.",
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"Revenues": "-2.44",
"Economic Capital Ratio": "-3.18",
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},
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"name": "Bankguam Holding Co",
"rank": 81,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001527383.svg",
"report_text": "The relative strengths and weaknesses of Bankguam Holding Co are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Bankguam Holding Co compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 5.2% points.The greatest weakness of Bankguam Holding Co is the variable Deposits, reducing the Economic Capital Ratio by 17% points.
The company's Economic Capital Ratio, given in the ranking table, is 13%, being 3.2% points below the market average of 17%.",
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{
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"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001391933.svg",
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"name": "Quaint OAK Bancorp INC",
"rank": 82,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001391933.svg",
"report_text": "The relative strengths and weaknesses of Quaint OAK Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Quaint OAK Bancorp INC compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 6.5% points.The greatest weakness of Quaint OAK Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 9.4% points.
The company's Economic Capital Ratio, given in the ranking table, is 13%, being 3.3% points below the market average of 17%.",
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"Other Expenses": "667",
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"Liabilities": "247,568",
"Expenses": "667",
"Revenues": "0",
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"Net Income": "2,004",
"Comprehensive Net Income": "2,017",
"BaseVar": "261,162",
"ECR before LimitedLiability": "5.4%",
"Economic Capital Ratio": "13%"
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},
"2019": {
"input_variables": {
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"Debt": "0",
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"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "314",
"Labor and Related Expense": "0",
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"Other Expenses": "950",
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"Other Net Income": "3,427",
"Other Revenues": "0",
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},
"output_variables": {
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"Liabilities": "276,633",
"Expenses": "950",
"Revenues": "0",
"Stockholders Equity": "25,907",
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},
{
"company_id": "0001408534",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0001408534.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001408534.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001408534.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001408534_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0001408534_main_keyfigs.svg",
"name": "First Guaranty Bancshares Inc",
"rank": 83,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001408534.svg",
"report_text": "The relative strengths and weaknesses of First Guaranty Bancshares Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of First Guaranty Bancshares Inc compared to the market average is the variable Securities, increasing the Economic Capital Ratio by 5.2% points.The greatest weakness of First Guaranty Bancshares Inc is the variable Deposits, reducing the Economic Capital Ratio by 15% points.
The company's Economic Capital Ratio, given in the ranking table, is 13%, being 3.4% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001408534_2020_First_Guaranty_Bancshares_Inc.pdf",
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"Liabilities": "-3.47",
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"Operating Expenses": "2.18",
"Labor and Related Expense": "0.620",
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"Other Revenues": "-2.97",
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"Securities": "6.49",
"Cash and Cash Equivalents": "-1.65",
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"Loans": "4.67",
"Comprehensive Net Income": "0.680",
"Economic Capital Ratio": "-3.43"
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"Cash and Cash Equivalents": "-1.35",
"Loans": "4.32",
"Other Net Income": "-0.830",
"Economic Capital Ratio": "-4.06"
},
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"Assets": "-0.643",
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"Selling and Marketing Expense": "0.753",
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"Revenues": "-2.22",
"Economic Capital Ratio": "-3.38",
"Other Net Income": "0.786"
}
},
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"Debt": "0",
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"Interest Expense": "0",
"Interest Payable": "1,931",
"Labor and Related Expense": "0",
"Loans": "937,807",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "63,803",
"Other Compr. Net Income": "-3,098",
"Other Expenses": "7,164",
"Other Liabilities": "48,485",
"Other Net Income": "21,257",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "499,336",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Revenues": "0",
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"BaseVar": "1,454,531",
"ECR before LimitedLiability": "5.1%",
"Economic Capital Ratio": "13%"
}
},
"2017": {
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"Interest Expense": "0",
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"Other Net Income": "19,150",
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},
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"Revenues": "0",
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"BaseVar": "1,692,934",
"ECR before LimitedLiability": "5.1%",
"Economic Capital Ratio": "13%"
}
},
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"Comprehensive Net Income": "8,937",
"BaseVar": "1,756,776",
"ECR before LimitedLiability": "4.7%",
"Economic Capital Ratio": "13%"
}
},
"2019": {
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"Other Net Income": "56,817",
"Other Revenues": "8,299",
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},
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"Liabilities": "1,951,181",
"Expenses": "47,219",
"Revenues": "8,299",
"Stockholders Equity": "166,035",
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"Comprehensive Net Income": "23,554",
"BaseVar": "2,093,194",
"ECR before LimitedLiability": "5.2%",
"Economic Capital Ratio": "13%"
}
}
},
"top_rated": false,
"trend": 9.0,
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2019/analytics/equity/0001408534.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2019/analytics/profit_loss/0001408534.svg"
},
{
"company_id": "0001033012",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0001033012.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001033012.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001033012.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001033012_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0001033012_main_keyfigs.svg",
"name": "Flagstar Bancorp INC",
"rank": 84,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001033012.svg",
"report_text": "The relative strengths and weaknesses of Flagstar Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Flagstar Bancorp INC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 4.7% points.The greatest weakness of Flagstar Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 4.8% points.
The company's Economic Capital Ratio, given in the ranking table, is 13%, being 3.4% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001033012_2020_Flagstar_Bancorp_INC.pdf",
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"Other Revenues": "-3.72",
"Comprehensive Net Income": "1.19",
"Economic Capital Ratio": "-3.03"
},
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"Liabilities": "-3.41",
"Notes Receivable": "-1.43",
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"Operating Expenses": "2.23",
"Labor and Related Expense": "0.634",
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"Securities": "-0.622",
"Cash and Cash Equivalents": "-1.25",
"Other Assets": "4.56",
"Loans": "-2.75",
"Economic Capital Ratio": "-3.83"
},
"2018": {
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"Loans": "-2.58",
"Comprehensive Net Income": "0.488",
"Other Net Income": "-0.584",
"Economic Capital Ratio": "-3.59"
},
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"Operating Expenses": "0.650",
"Selling and Marketing Expense": "0.739",
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"Revenues": "-2.48",
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"Notes Receivable": "-2.26",
"Securities": "-0.492",
"Other Net Income": "-0.500",
"Economic Capital Ratio": "-3.43"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0001033012_strength_weakness.svg",
"table_records": {
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"Interest Expense": "0",
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"Other Net Income": "258,000",
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},
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"Economic Capital Ratio": "14%"
}
},
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"Interest Expense": "0",
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"Other Net Income": "211,000",
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},
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}
},
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},
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"ECR before LimitedLiability": "5.3%",
"Economic Capital Ratio": "13%"
}
},
"2019": {
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"Other Compr. Net Income": "48,000",
"Other Expenses": "48,000",
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"Other Net Income": "266,000",
"Other Revenues": "0",
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"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "21,478,000",
"Expenses": "48,000",
"Revenues": "0",
"Stockholders Equity": "1,788,000",
"Net Income": "218,000",
"Comprehensive Net Income": "266,000",
"BaseVar": "22,553,000",
"ECR before LimitedLiability": "5.2%",
"Economic Capital Ratio": "13%"
}
}
},
"top_rated": false,
"trend": 5.0,
"value": 0.13157099923980475,
"company_index": "https://www.realrate-archive.com/us_savings/2019/industry_indexes/0001033012.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2019/analytics/equity/0001033012.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2019/analytics/profit_loss/0001033012.svg"
},
{
"company_id": "0001228454",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0001228454.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001228454.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001228454.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001228454_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0001228454_main_keyfigs.svg",
"name": "BCB Bancorp INC",
"rank": 85,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001228454.svg",
"report_text": "The relative strengths and weaknesses of BCB Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of BCB Bancorp INC compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 5.3% points.The greatest weakness of BCB Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 12% points.
The company's Economic Capital Ratio, given in the ranking table, is 13%, being 3.5% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001228454_2020_BCB_Bancorp_INC.pdf",
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"Cash and Cash Equivalents": "1.71",
"Loans": "6.24",
"Other Net Income": "-0.895",
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"Securities": "-0.493",
"Economic Capital Ratio": "-3.45",
"Other Net Income": "-0.580"
}
},
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"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "1,485,159",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "158,011",
"Other Compr. Net Income": "-2,258",
"Other Expenses": "5,258",
"Other Liabilities": "184,922",
"Other Net Income": "13,261",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "1,577,127",
"Expenses": "5,258",
"Revenues": "0",
"Stockholders Equity": "131,081",
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"BaseVar": "1,653,056",
"ECR before LimitedLiability": "4.3%",
"Economic Capital Ratio": "12%"
}
},
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"General and Administrative Expense": "0",
"Interest Expense": "0",
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"Other Compr. Net Income": "1,271",
"Other Expenses": "10,231",
"Other Liabilities": "197,013",
"Other Net Income": "20,213",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
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"Liabilities": "1,766,383",
"Expenses": "10,231",
"Revenues": "0",
"Stockholders Equity": "176,454",
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"Comprehensive Net Income": "11,253",
"BaseVar": "1,870,468",
"ECR before LimitedLiability": "5.4%",
"Economic Capital Ratio": "13%"
}
},
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"Interest Expense": "0",
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"Other Compr. Net Income": "-1,808",
"Other Expenses": "7,482",
"Other Liabilities": "293,792",
"Other Net Income": "24,245",
"Other Revenues": "0",
"Professional Fees": "0",
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},
"output_variables": {
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"Liabilities": "2,474,516",
"Expenses": "7,482",
"Revenues": "0",
"Stockholders Equity": "200,215",
"Net Income": "16,763",
"Comprehensive Net Income": "14,955",
"BaseVar": "2,591,391",
"ECR before LimitedLiability": "4.5%",
"Economic Capital Ratio": "13%"
}
},
"2019": {
"input_variables": {
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"Debt": "0",
"Deposits": "2,362,063",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
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"Other Compr. Net Income": "2,858",
"Other Expenses": "9,309",
"Other Liabilities": "305,932",
"Other Net Income": "30,343",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "2,667,995",
"Expenses": "9,309",
"Revenues": "0",
"Stockholders Equity": "239,473",
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"Comprehensive Net Income": "23,892",
"BaseVar": "2,808,986",
"ECR before LimitedLiability": "5.2%",
"Economic Capital Ratio": "13%"
}
}
},
"top_rated": false,
"trend": 12.0,
"value": 0.13130236427815797,
"company_index": "https://www.realrate-archive.com/us_savings/2019/industry_indexes/0001228454.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2019/analytics/equity/0001228454.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2019/analytics/profit_loss/0001228454.svg"
},
{
"company_id": "0001337068",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0001337068.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001337068.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001337068.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001337068_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0001337068_main_keyfigs.svg",
"name": "Magyar Bancorp Inc",
"rank": 86,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001337068.svg",
"report_text": "The relative strengths and weaknesses of Magyar Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Magyar Bancorp Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 6.6% points.The greatest weakness of Magyar Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 14% points.
The company's Economic Capital Ratio, given in the ranking table, is 13%, being 3.5% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001337068_2020_Magyar_Bancorp_Inc.pdf",
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"Other Net Income": "-0.899"
},
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"Assets": "0.525",
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"Stockholders Equity": "-2.96",
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"Labor and Related Expense": "0.631",
"General and Administrative Expense": "0.509",
"Other Revenues": "-3.01",
"Revenues": "-3.01",
"Economic Capital Ratio": "-3.91",
"Other Net Income": "-0.665"
},
"2018": {
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"Cash and Cash Equivalents": "-0.392",
"Loans": "5.63",
"Economic Capital Ratio": "-4.18",
"Other Net Income": "-1.17"
},
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"Assets": "0.492",
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"Selling and Marketing Expense": "0.741",
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"Revenues": "-2.48",
"Economic Capital Ratio": "-3.54",
"Other Net Income": "-0.881"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0001337068_strength_weakness.svg",
"table_records": {
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"Debt": "0",
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"Interest Payable": "115",
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"Other Assets": "107,540",
"Other Compr. Net Income": "-160",
"Other Expenses": "664",
"Other Liabilities": "43,887",
"Other Net Income": "1,755",
"Other Revenues": "0",
"Professional Fees": "0",
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},
"output_variables": {
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"Revenues": "0",
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"BaseVar": "561,804",
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"Economic Capital Ratio": "13%"
}
},
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"General and Administrative Expense": "0",
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"Other Expenses": "994",
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"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Revenues": "0",
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"ECR before LimitedLiability": "4.5%",
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}
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"Economic Capital Ratio": "13%"
}
},
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"Debt": "0",
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"General and Administrative Expense": "0",
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},
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"Revenues": "0",
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}
}
},
"top_rated": false,
"trend": 9.0,
"value": 0.13048460442834778,
"company_index": "https://www.realrate-archive.com/us_savings/2019/industry_indexes/0001337068.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2019/analytics/equity/0001337068.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2019/analytics/profit_loss/0001337068.svg"
},
{
"company_id": "0001667939",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0001667939.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001667939.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001667939.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001667939_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0001667939_main_keyfigs.svg",
"name": "FSB Bancorp Inc",
"rank": 87,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001667939.svg",
"report_text": "The relative strengths and weaknesses of FSB Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of FSB Bancorp Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 6.9% points.The greatest weakness of FSB Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 7.9% points.
The company's Economic Capital Ratio, given in the ranking table, is 13%, being 3.6% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001667939_2020_FSB_Bancorp_Inc.pdf",
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"Economic Capital Ratio": "-3.30",
"Other Net Income": "-0.780"
},
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},
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"Other Net Income": "0.881",
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}
},
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"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "7,407",
"Debt": "56,813",
"Deposits": "182,934",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "266,314",
"Other Compr. Net Income": "127",
"Other Expenses": "328",
"Other Liabilities": "2,115",
"Other Net Income": "1,266",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "273,721",
"Liabilities": "241,862",
"Expenses": "328",
"Revenues": "0",
"Stockholders Equity": "31,859",
"Net Income": "938",
"Comprehensive Net Income": "1,065",
"BaseVar": "258,652",
"ECR before LimitedLiability": "6.6%",
"Economic Capital Ratio": "14%"
}
},
"2017": {
"input_variables": {
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"Debt": "51,447",
"Deposits": "216,691",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "304,233",
"Other Compr. Net Income": "-80",
"Other Expenses": "448",
"Other Liabilities": "15,273",
"Other Net Income": "738",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "314,630",
"Liabilities": "283,411",
"Expenses": "448",
"Revenues": "0",
"Stockholders Equity": "31,219",
"Net Income": "290",
"Comprehensive Net Income": "210",
"BaseVar": "299,654",
"ECR before LimitedLiability": "5.3%",
"Economic Capital Ratio": "13%"
}
},
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"Debt": "58,076",
"Deposits": "222,615",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "6,497",
"Loans": "281,741",
"Notes Receivable": "0",
"Occupancy": "1,088",
"Operating Expenses": "0",
"Other Assets": "40,237",
"Other Compr. Net Income": "-18",
"Other Expenses": "3,044",
"Other Liabilities": "16,065",
"Other Net Income": "9,894",
"Other Revenues": "804",
"Professional Fees": "214",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "328,269",
"Liabilities": "296,756",
"Expenses": "10,843",
"Revenues": "804",
"Stockholders Equity": "31,513",
"Net Income": "-145",
"Comprehensive Net Income": "-163",
"BaseVar": "323,292",
"ECR before LimitedLiability": "5.0%",
"Economic Capital Ratio": "13%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "7,933",
"Debt": "50,735",
"Deposits": "235,560",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "6,137",
"Loans": "274,508",
"Notes Receivable": "0",
"Occupancy": "1,056",
"Operating Expenses": "0",
"Other Assets": "40,869",
"Other Compr. Net Income": "174",
"Other Expenses": "2,777",
"Other Liabilities": "5,471",
"Other Net Income": "8,922",
"Other Revenues": "670",
"Professional Fees": "295",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "323,310",
"Liabilities": "291,766",
"Expenses": "10,265",
"Revenues": "670",
"Stockholders Equity": "31,544",
"Net Income": "-673",
"Comprehensive Net Income": "-499",
"BaseVar": "317,554",
"ECR before LimitedLiability": "5.0%",
"Economic Capital Ratio": "13%"
}
}
},
"top_rated": false,
"trend": 4.0,
"value": 0.12977714933285037,
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2019/analytics/equity/0001667939.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2019/analytics/profit_loss/0001667939.svg"
},
{
"company_id": "0001526952",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0001526952.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001526952.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001526952.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001526952_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0001526952_main_keyfigs.svg",
"name": "Wellesley Bancorp Inc",
"rank": 88,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001526952.svg",
"report_text": "The relative strengths and weaknesses of Wellesley Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Wellesley Bancorp Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 7.4% points.The greatest weakness of Wellesley Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 11% points.
The company's Economic Capital Ratio, given in the ranking table, is 13%, being 3.7% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001526952_2020_Wellesley_Bancorp_Inc.pdf",
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"Liabilities": "-4.16",
"Stockholders Equity": "-2.87",
"Securities": "-0.568",
"Other Assets": "-7.75",
"Notes Receivable": "-1.52",
"Loans": "7.46",
"Deposits": "-9.98",
"Other Liabilities": "4.43",
"Debt": "-1.60",
"Expenses": "4.21",
"ECR before LimitedLiability": "-3.13",
"Selling and Marketing Expense": "1.09",
"General and Administrative Expense": "1.20",
"Labor and Related Expense": "0.639",
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"Operating Expenses": "3.36",
"Other Revenues": "-3.90",
"Revenues": "-3.90",
"Economic Capital Ratio": "-4.40",
"Other Net Income": "-0.574"
},
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"Liabilities": "-3.80",
"Notes Receivable": "-1.45",
"Stockholders Equity": "-3.34",
"Debt": "-1.06",
"Deposits": "-9.71",
"Expenses": "3.93",
"Revenues": "-3.05",
"Comprehensive Net Income": "0.356",
"Selling and Marketing Expense": "0.570",
"Other Expenses": "-0.333",
"Operating Expenses": "2.25",
"Labor and Related Expense": "0.640",
"General and Administrative Expense": "0.516",
"Other Revenues": "-3.05",
"ECR before LimitedLiability": "-3.45",
"Securities": "-0.631",
"Cash and Cash Equivalents": "-0.343",
"Other Assets": "-7.92",
"Loans": "7.06",
"Economic Capital Ratio": "-4.15"
},
"2018": {
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"Assets": "-0.965",
"Liabilities": "-3.10",
"Stockholders Equity": "-3.77",
"Notes Receivable": "-1.30",
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"Loans": "5.87",
"Deposits": "-11.0",
"Other Liabilities": "4.53",
"Expenses": "2.14",
"Revenues": "-2.52",
"Comprehensive Net Income": "0.298",
"Labor and Related Expense": "-0.509",
"Other Expenses": "0.634",
"Selling and Marketing Expense": "0.591",
"Operating Expenses": "1.39",
"Other Revenues": "-2.52",
"ECR before LimitedLiability": "-3.96",
"Other Net Income": "0.908",
"Economic Capital Ratio": "-4.23"
},
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"Assets": "-0.691",
"Liabilities": "-2.63",
"Stockholders Equity": "-3.10",
"ECR before LimitedLiability": "-3.54",
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"Notes Receivable": "-2.34",
"Loans": "7.44",
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"Other Liabilities": "4.64",
"Expenses": "1.51",
"Other Expenses": "0.370",
"Operating Expenses": "0.674",
"Selling and Marketing Expense": "0.766",
"Labor and Related Expense": "-0.485",
"Other Revenues": "-2.52",
"Revenues": "-2.52",
"Economic Capital Ratio": "-3.73",
"Other Net Income": "1.13"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0001526952_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
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"Debt": "83,020",
"Deposits": "522,810",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "576,131",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "90,727",
"Other Compr. Net Income": "-391",
"Other Expenses": "1,838",
"Other Liabilities": "34,239",
"Other Net Income": "4,774",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "640,069",
"Expenses": "1,838",
"Revenues": "0",
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"Net Income": "2,936",
"Comprehensive Net Income": "2,545",
"BaseVar": "671,178",
"ECR before LimitedLiability": "4.5%",
"Economic Capital Ratio": "13%"
}
},
"2017": {
"input_variables": {
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"Debt": "77,174",
"Deposits": "616,742",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "686,302",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "90,631",
"Other Compr. Net Income": "268",
"Other Expenses": "3,564",
"Other Liabilities": "52,234",
"Other Net Income": "6,749",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "746,150",
"Expenses": "3,564",
"Revenues": "0",
"Stockholders Equity": "59,245",
"Net Income": "3,185",
"Comprehensive Net Income": "3,453",
"BaseVar": "781,063",
"ECR before LimitedLiability": "4.3%",
"Economic Capital Ratio": "12%"
}
},
"2018": {
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"Deposits": "717,931",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "2,012",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "10,842",
"Loans": "737,032",
"Notes Receivable": "0",
"Occupancy": "3,004",
"Operating Expenses": "0",
"Other Assets": "91,738",
"Other Compr. Net Income": "-579",
"Other Expenses": "4,115",
"Other Liabilities": "29,831",
"Other Net Income": "26,320",
"Other Revenues": "410",
"Professional Fees": "766",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "806,290",
"Expenses": "20,739",
"Revenues": "410",
"Stockholders Equity": "65,130",
"Net Income": "5,991",
"Comprehensive Net Income": "5,412",
"BaseVar": "862,879",
"ECR before LimitedLiability": "4.5%",
"Economic Capital Ratio": "13%"
}
},
"2019": {
"input_variables": {
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"Debt": "74,196",
"Deposits": "752,467",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "2,192",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "12,261",
"Loans": "834,460",
"Notes Receivable": "0",
"Occupancy": "3,288",
"Operating Expenses": "0",
"Other Assets": "110,758",
"Other Compr. Net Income": "1,063",
"Other Expenses": "4,190",
"Other Liabilities": "45,104",
"Other Net Income": "28,860",
"Other Revenues": "420",
"Professional Fees": "1,349",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "945,218",
"Liabilities": "871,767",
"Expenses": "23,280",
"Revenues": "420",
"Stockholders Equity": "73,451",
"Net Income": "6,000",
"Comprehensive Net Income": "7,063",
"BaseVar": "935,304",
"ECR before LimitedLiability": "4.8%",
"Economic Capital Ratio": "13%"
}
}
},
"top_rated": false,
"trend": 8.0,
"value": 0.12856938249345512,
"company_index": "https://www.realrate-archive.com/us_savings/2019/industry_indexes/0001526952.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2019/analytics/equity/0001526952.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2019/analytics/profit_loss/0001526952.svg"
},
{
"company_id": "0000004969",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2019/feature_distribution/feature_distribution_0000004969.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0000004969.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0000004969.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000004969_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0000004969_main_keyfigs.svg",
"name": "American Express Credit CORP",
"rank": 89,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0000004969.svg",
"report_text": "The relative strengths and weaknesses of American Express Credit CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of American Express Credit CORP compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 13% points.The greatest weakness of American Express Credit CORP is the variable Debt, reducing the Economic Capital Ratio by 61% points.
The company's Economic Capital Ratio, given in the ranking table, is 13%, being 3.9% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0000004969_2020_American_Express_Credit_CORP.pdf",
"shrinked_graph_json": {
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"Stockholders Equity": "-3.44",
"Securities": "-0.595",
"Deposits": "8.15",
"Other Liabilities": "-2.92",
"Debt": "-34.0",
"Expenses": "3.62",
"Revenues": "-2.32",
"Net Income": "0.694",
"Selling and Marketing Expense": "1.13",
"General and Administrative Expense": "1.26",
"Labor and Related Expense": "0.667",
"Other Expenses": "-2.28",
"Operating Expenses": "3.50",
"Other Revenues": "-2.32",
"ECR before LimitedLiability": "-3.68",
"Other Assets": "11.6",
"Notes Receivable": "-1.59",
"Loans": "-14.0",
"Other Net Income": "-1.20",
"Economic Capital Ratio": "-4.94"
},
"2017": {
"Notes Receivable": "-1.70",
"Assets": "-1.92",
"Liabilities": "-3.20",
"Stockholders Equity": "-4.79",
"Securities": "-0.742",
"Cash and Cash Equivalents": "-1.79",
"Other Assets": "9.95",
"Loans": "-15.7",
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"Debt": "-36.6",
"Deposits": "7.02",
"Other Revenues": "-0.836",
"Revenues": "-0.836",
"Net Income": "-1.62",
"ECR before LimitedLiability": "-5.73",
"Comprehensive Net Income": "-0.914",
"Other Compr. Net Income": "0.758",
"Other Expenses": "-4.07",
"Operating Expenses": "1.67",
"Other Net Income": "-1.16",
"Economic Capital Ratio": "-6.43"
},
"2018": {
"Other Assets": "11.7",
"Assets": "-1.60",
"Liabilities": "-3.45",
"Stockholders Equity": "-4.68",
"Notes Receivable": "-1.36",
"Securities": "-0.550",
"Cash and Cash Equivalents": "-1.36",
"Loans": "-15.9",
"Deposits": "8.45",
"Other Liabilities": "-9.25",
"Debt": "-23.1",
"Expenses": "1.96",
"Other Net Income": "-1.74",
"Net Income": "0.502",
"Labor and Related Expense": "0.597",
"Other Expenses": "-1.28",
"Selling and Marketing Expense": "0.614",
"Operating Expenses": "1.45",
"ECR before LimitedLiability": "-4.71",
"Comprehensive Net Income": "0.475",
"Economic Capital Ratio": "-4.98"
},
"2019": {
"Other Assets": "12.6",
"Assets": "-1.24",
"Liabilities": "-2.47",
"Stockholders Equity": "-3.49",
"ECR before LimitedLiability": "-3.66",
"Cash and Cash Equivalents": "-1.49",
"Notes Receivable": "-2.38",
"Loans": "-15.1",
"Securities": "-0.520",
"Deposits": "8.86",
"Debt": "-60.6",
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"Expenses": "0.892",
"Other Expenses": "-1.92",
"Operating Expenses": "0.684",
"Selling and Marketing Expense": "0.778",
"Labor and Related Expense": "0.646",
"Other Revenues": "0.993",
"Revenues": "0.993",
"Economic Capital Ratio": "-3.85",
"Other Net Income": "-1.50"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2019/plot_over_time/0000004969_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
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"Debt": "20,512,000",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "471,000",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "30,254,000",
"Other Compr. Net Income": "-107,000",
"Other Expenses": "521,000",
"Other Liabilities": "9,215,000",
"Other Net Income": "0",
"Other Revenues": "718,000",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "29,727,000",
"Expenses": "521,000",
"Revenues": "718,000",
"Stockholders Equity": "2,209,000",
"Net Income": "197,000",
"Comprehensive Net Income": "90,000",
"BaseVar": "31,504,500",
"ECR before LimitedLiability": "3.9%",
"Economic Capital Ratio": "12%"
}
},
"2017": {
"input_variables": {
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"Debt": "24,153,000",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "556,000",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "35,137,000",
"Other Compr. Net Income": "265,000",
"Other Expenses": "1,690,000",
"Other Liabilities": "9,865,000",
"Other Net Income": "0",
"Other Revenues": "1,087,000",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "34,018,000",
"Expenses": "1,690,000",
"Revenues": "1,087,000",
"Stockholders Equity": "1,871,000",
"Net Income": "-603,000",
"Comprehensive Net Income": "-338,000",
"BaseVar": "36,474,500",
"ECR before LimitedLiability": "1.7%",
"Economic Capital Ratio": "10%"
}
},
"2018": {
"input_variables": {
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"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
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"Loans": "636,000",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "39,304,000",
"Other Compr. Net Income": "-62,000",
"Other Expenses": "1,074,000",
"Other Liabilities": "17,399,000",
"Other Net Income": "0",
"Other Revenues": "1,461,000",
"Professional Fees": "0",
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"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "37,846,000",
"Expenses": "1,074,000",
"Revenues": "1,461,000",
"Stockholders Equity": "2,196,000",
"Net Income": "387,000",
"Comprehensive Net Income": "325,000",
"BaseVar": "40,242,500",
"ECR before LimitedLiability": "3.7%",
"Economic Capital Ratio": "12%"
}
},
"2019": {
"input_variables": {
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"Debt": "32,202,000",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
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{
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The greatest strength of Nelnet INC compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Nelnet INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 49% points.
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The greatest strength of Federal Agricultural Mortgage CORP compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 7.1% points.The greatest weakness of Federal Agricultural Mortgage CORP is the variable Debt, reducing the Economic Capital Ratio by 60% points.
The company's Economic Capital Ratio, given in the ranking table, is 11%, being 6.0% points below the market average of 17%.",
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The greatest strength of National Rural Utilities Cooperative Finance CORP DC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 10% points.The greatest weakness of National Rural Utilities Cooperative Finance CORP DC is the variable Debt, reducing the Economic Capital Ratio by 67% points.
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"Economic Capital Ratio": "13%"
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{
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"name": "Federal National Mortgage Association Fannie MAE",
"rank": 93,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0000310522.svg",
"report_text": "The relative strengths and weaknesses of Federal National Mortgage Association Fannie MAE are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Federal National Mortgage Association Fannie MAE compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 6.4% points.The greatest weakness of Federal National Mortgage Association Fannie MAE is the variable Other Liabilities, reducing the Economic Capital Ratio by 56% points.
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{
"company_id": "0001026214",
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"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001026214.svg",
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"name": "Federal HOME LOAN Mortgage CORP",
"rank": 94,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001026214.svg",
"report_text": "The relative strengths and weaknesses of Federal HOME LOAN Mortgage CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Federal HOME LOAN Mortgage CORP compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 5.9% points.The greatest weakness of Federal HOME LOAN Mortgage CORP is the variable Debt, reducing the Economic Capital Ratio by 73% points.
The company's Economic Capital Ratio, given in the ranking table, is 9.0%, being 7.6% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001026214_2020_Federal_HOME_LOAN_Mortgage_CORP.pdf",
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{
"company_id": "0001041514",
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"graph_url": "https://www.realrate-archive.com/us_savings/2019/graphs/IME_0001041514.svg",
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"name": "Lesaka Technologies INC",
"rank": 95,
"regression_plot": "https://www.realrate-archive.com/us_savings/2019/backtesting_correlation/regression_0001041514.svg",
"report_text": "The relative strengths and weaknesses of Lesaka Technologies INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Lesaka Technologies INC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 2.3% points.The greatest weakness of Lesaka Technologies INC is the variable Comprehensive Net Income, reducing the Economic Capital Ratio by 46% points.
The company's Economic Capital Ratio, given in the ranking table, is 2.3%, being 14% points below the market average of 17%.",
"report_url": "https://www.realrate-archive.com/us_savings/2019/report/0001041514_2020_Lesaka_Technologies_INC.pdf",
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