{
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"name": "SWK Holdings Corp",
"rank": 1,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 77% points.The greatest weakness of SWK Holdings Corp is the variable Expenses, reducing the Economic Capital Ratio by 15% points.
The company's Economic Capital Ratio, given in the ranking table, is 107%, being 88% points above the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001089907_2022_SWK_Holdings_Corp.pdf",
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"Stockholders Equity": "81.9",
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"Other Assets": "-1.90",
"Other Liabilities": "25.7",
"Liabilities": "71.7",
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"Assets": "-2.28",
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"Comprehensive Net Income": "16.5",
"Economic Capital Ratio": "87.8"
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"Operating Expenses": "1.71",
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"Comprehensive Net Income": "2.21",
"Other Net Income": "-3.26",
"Economic Capital Ratio": "63.8"
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"Assets": "-2.81",
"Stockholders Equity": "77.3",
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"Loans": "1.39",
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"Liabilities": "68.8",
"Deposits": "54.2",
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"Expenses": "-14.7",
"Revenues": "31.4",
"Net Income": "14.8",
"Other Expenses": "-8.64",
"Operating Expenses": "1.63",
"Labor and Related Expense": "1.61",
"General and Administrative Expense": "-8.06",
"Depreciation and Amortization": "-2.59",
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"Comprehensive Net Income": "15.0",
"Other Net Income": "-1.89",
"Economic Capital Ratio": "88.3"
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"Other Net Income": "-872",
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"Other Net Income": "-656",
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"Revenues": "25,990",
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"Other Expenses": "-3,601",
"Other Liabilities": "17,840",
"Other Net Income": "2,202",
"Other Revenues": "30,747",
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"Securities": "1,802",
"Selling and Marketing Expense": "0"
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"Liabilities": "17,840",
"Expenses": "9,121",
"Revenues": "30,747",
"Stockholders Equity": "236,532",
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"BaseVar": "157,141",
"ECR before LimitedLiability": "104%",
"Economic Capital Ratio": "104%"
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"Interest Expense": "455",
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"Liabilities": "33,389",
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"Revenues": "36,712",
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"BaseVar": "187,756",
"ECR before LimitedLiability": "82%",
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{
"company_id": "0001806201",
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"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001806201.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001806201.svg",
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"name": "Open Lending Corp",
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"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001806201.svg",
"report_text": "The relative strengths and weaknesses of Open Lending 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 Open Lending Corp compared to the market average is the variable Other Revenues, increasing the Economic Capital Ratio by 76% points.The greatest weakness of Open Lending Corp is the variable Expenses, reducing the Economic Capital Ratio by 39% points.
The company's Economic Capital Ratio, given in the ranking table, is 94%, being 76% points above the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001806201_2022_Open_Lending_Corp.pdf",
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"Liabilities": "57.6",
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"Other Net Income": "15.1",
"Economic Capital Ratio": "75.5"
}
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{
"company_id": "0001041514",
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"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001041514.svg",
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"name": "Lesaka Technologies INC",
"rank": 3,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 Liabilities, increasing the Economic Capital Ratio by 55% points.The greatest weakness of Lesaka Technologies INC is the variable Expenses, reducing the Economic Capital Ratio by 69% points.
The company's Economic Capital Ratio, given in the ranking table, is 67%, being 48% points above the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001041514_2022_Lesaka_Technologies_INC.pdf",
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"Other Compr. Net Income": "-4.98",
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},
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"Economic Capital Ratio": "58%"
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},
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"Economic Capital Ratio": "70%"
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},
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{
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"name": "OLD Market Capital Corp",
"rank": 4,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001000045.svg",
"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 34% points.The greatest weakness of OLD Market Capital Corp is the variable Debt, reducing the Economic Capital Ratio by 44% points.
The company's Economic Capital Ratio, given in the ranking table, is 43%, being 24% points above the market average of 19%.",
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{
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"name": "World Acceptance CORP",
"rank": 5,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0000108385.svg",
"report_text": "The relative strengths and weaknesses of World 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 World Acceptance CORP compared to the market average is the variable Other Revenues, increasing the Economic Capital Ratio by 36% points.The greatest weakness of World Acceptance CORP is the variable Expenses, reducing the Economic Capital Ratio by 49% points.
The company's Economic Capital Ratio, given in the ranking table, is 39%, being 20% points above the market average of 19%.",
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"Expenses": "470,080",
"Revenues": "557,476",
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"Interest Payable": "0",
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"Loans": "695,701",
"Notes Receivable": "0",
"Occupancy": "42,438",
"Operating Expenses": "417,738",
"Other Assets": "89,688",
"Other Compr. Net Income": "-4,849",
"Other Expenses": "-463,165",
"Other Liabilities": "339,525",
"Other Net Income": "0",
"Other Revenues": "531,735",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "800,589",
"Liabilities": "339,525",
"Expenses": "458,134",
"Revenues": "531,735",
"Stockholders Equity": "461,064",
"Net Income": "73,600",
"Comprehensive Net Income": "68,752",
"BaseVar": "1,067,416",
"ECR before LimitedLiability": "53%",
"Economic Capital Ratio": "53%"
}
},
"2021": {
"input_variables": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "302,186",
"Interest Expense": "25,699",
"Interest Payable": "0",
"Labor and Related Expense": "184,621",
"Loans": "733,659",
"Notes Receivable": "0",
"Occupancy": "56,160",
"Operating Expenses": "0",
"Other Assets": "204,863",
"Other Compr. Net Income": "0",
"Other Expenses": "-131,415",
"Other Liabilities": "549,342",
"Other Net Income": "0",
"Other Revenues": "525,533",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "549,342",
"Expenses": "437,250",
"Revenues": "525,533",
"Stockholders Equity": "404,927",
"Net Income": "88,283",
"Comprehensive Net Income": "88,283",
"BaseVar": "1,233,197",
"ECR before LimitedLiability": "39%",
"Economic Capital Ratio": "39%"
}
}
},
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"trend": null,
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"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0000108385.svg"
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{
"company_id": "0001529864",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001529864.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001529864.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001529864.svg",
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"name": "Enova International Inc",
"rank": 6,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 30% points.The greatest weakness of Enova International Inc is the variable Debt, reducing the Economic Capital Ratio by 46% points.
The company's Economic Capital Ratio, given in the ranking table, is 37%, being 18% points above the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001529864_2022_Enova_International_Inc.pdf",
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"Liabilities": "16.2",
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"Other Assets": "-8.24",
"Notes Receivable": "-2.00",
"Loans": "-8.18",
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"Other Liabilities": "12.0",
"Debt": "-45.7",
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"Net Income": "2.85",
"Selling and Marketing Expense": "-6.50",
"General and Administrative Expense": "-6.35",
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"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",
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"Expenses": "-68.7",
"Revenues": "23.9",
"Net Income": "3.55",
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"Selling and Marketing Expense": "-7.36",
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"General and Administrative Expense": "-6.68",
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"Comprehensive Net Income": "3.33",
"Other Net Income": "-10.5",
"Economic Capital Ratio": "7.02"
},
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"Assets": "-18.5",
"Liabilities": "16.2",
"ECR before LimitedLiability": "5.06",
"Cash and Cash Equivalents": "-1.24",
"Notes Receivable": "-3.10",
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"Deposits": "18.7",
"Debt": "-38.5",
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"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"
},
"2020": {
"Notes Receivable": "-5.45",
"Assets": "-8.32",
"Liabilities": "32.2",
"Stockholders Equity": "13.2",
"ECR before LimitedLiability": "33.1",
"Other Assets": "14.7",
"Loans": "-12.7",
"Other Liabilities": "17.1",
"Deposits": "37.1",
"Debt": "-43.0",
"Expenses": "-44.2",
"Revenues": "43.3",
"Net Income": "20.1",
"General and Administrative Expense": "-7.49",
"Operating Expenses": "-17.5",
"Other Expenses": "-12.4",
"Interest Expense": "-4.78",
"Other Revenues": "43.3",
"Comprehensive Net Income": "19.9",
"Other Net Income": "6.46",
"Economic Capital Ratio": "32.7"
},
"2021": {
"Assets": "-7.17",
"Liabilities": "20.9",
"Stockholders Equity": "10.3",
"ECR before LimitedLiability": "18.4",
"Loans": "-13.5",
"Other Assets": "20.7",
"Notes Receivable": "-7.25",
"Other Liabilities": "10.7",
"Deposits": "28.4",
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"Selling and Marketing Expense": "-10.6",
"Expenses": "-34.6",
"Revenues": "30.2",
"Net Income": "7.50",
"Other Expenses": "8.58",
"Operating Expenses": "-25.3",
"General and Administrative Expense": "-5.57",
"Other Revenues": "30.2",
"Comprehensive Net Income": "7.69",
"Other Net Income": "-3.43",
"Economic Capital Ratio": "17.9"
}
},
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"table_records": {
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"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": {
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"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%"
}
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"2017": {
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"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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"Debt": "857,929",
"Deposits": "0",
"Depreciation and Amortization": "15,190",
"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",
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"Labor and Related Expense": "0",
"Loans": "1,062,650",
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"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",
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"Selling and Marketing Expense": "115,132"
},
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"Expenses": "968,600",
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"BaseVar": "2,547,866",
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"Economic Capital Ratio": "21%"
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},
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"Notes Receivable": "0",
"Occupancy": "0",
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"Other Assets": "1,810,802",
"Other Compr. Net Income": "-3,912",
"Other Expenses": "226,681",
"Other Liabilities": "242,780",
"Other Net Income": "164,014",
"Other Revenues": "1,083,710",
"Professional Fees": "0",
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"Selling and Marketing Expense": "69,780"
},
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"Liabilities": "1,189,241",
"Expenses": "869,880",
"Revenues": "1,083,710",
"Stockholders Equity": "918,834",
"Net Income": "377,844",
"Comprehensive Net Income": "373,932",
"BaseVar": "2,709,416",
"ECR before LimitedLiability": "51%",
"Economic Capital Ratio": "51%"
}
},
"2021": {
"input_variables": {
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"Debt": "1,384,399",
"Deposits": "0",
"Depreciation and Amortization": "35,375",
"General and Administrative Expense": "156,962",
"Interest Expense": "76,509",
"Interest Payable": "0",
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"Loans": "0",
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"Other Expenses": "-198,965",
"Other Liabilities": "284,032",
"Other Net Income": "601",
"Other Revenues": "1,207,932",
"Professional Fees": "0",
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"Selling and Marketing Expense": "271,160"
},
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{
"company_id": "0000885550",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0000885550.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0000885550.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0000885550.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000885550_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0000885550_main_keyfigs.svg",
"name": "Credit Acceptance CORP",
"rank": 7,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 23% points.The greatest weakness of Credit Acceptance CORP 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 32%, being 13% points above the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0000885550_2022_Credit_Acceptance_CORP.pdf",
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"Other Revenues": "14.5",
"Comprehensive Net Income": "6.67",
"Other Net Income": "-1.34",
"Economic Capital Ratio": "10.4"
},
"2017": {
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"Assets": "-1.69",
"Liabilities": "9.72",
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"Revenues": "15.5",
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"Other Revenues": "15.5",
"Comprehensive Net Income": "8.32",
"Other Net Income": "-1.25",
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"Other Revenues": "14.9",
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"Other Net Income": "-2.08",
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"Comprehensive Net Income": "7.22",
"Other Net Income": "-1.82",
"Economic Capital Ratio": "14.0"
},
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"Assets": "-2.27",
"Liabilities": "8.86",
"Stockholders Equity": "5.31",
"ECR before LimitedLiability": "9.48",
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"Deposits": "19.0",
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"Net Income": "3.91",
"Operating Expenses": "1.29",
"Labor and Related Expense": "-1.33",
"Other Expenses": "-8.89",
"Interest Expense": "-2.11",
"Other Revenues": "15.2",
"Comprehensive Net Income": "3.94",
"Other Net Income": "-2.00",
"Economic Capital Ratio": "9.14"
},
"2021": {
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"Liabilities": "8.58",
"Stockholders Equity": "3.73",
"ECR before LimitedLiability": "13.2",
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"Comprehensive Net Income": "10.0",
"Other Net Income": "-2.65",
"Economic Capital Ratio": "12.8"
}
},
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"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "48,200",
"Interest Expense": "97,700",
"Interest Payable": "0",
"Labor and Related Expense": "126,500",
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"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "92,100",
"Other Compr. Net Income": "-100",
"Other Expenses": "314,600",
"Other Liabilities": "3,044,300",
"Other Net Income": "0",
"Other Revenues": "969,200",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "49,400"
},
"output_variables": {
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"Liabilities": "3,044,300",
"Expenses": "636,400",
"Revenues": "969,200",
"Stockholders Equity": "1,173,700",
"Net Income": "332,800",
"Comprehensive Net Income": "332,700",
"BaseVar": "4,434,000",
"ECR before LimitedLiability": "25%",
"Economic Capital Ratio": "27%"
}
},
"2017": {
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"Expenses": "639,800",
"Revenues": "1,110,000",
"Stockholders Equity": "1,535,800",
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"Comprehensive Net Income": "470,200",
"BaseVar": "5,092,600",
"ECR before LimitedLiability": "29%",
"Economic Capital Ratio": "31%"
}
},
"2018": {
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"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "55,700",
"Interest Expense": "156,600",
"Interest Payable": "0",
"Labor and Related Expense": "167,800",
"Loans": "5,763,300",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "144,800",
"Other Compr. Net Income": "-100",
"Other Expenses": "264,000",
"Other Liabilities": "4,246,500",
"Other Net Income": "0",
"Other Revenues": "1,285,800",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "67,700"
},
"output_variables": {
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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": {
"input_variables": {
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"Loans": "6,685,200",
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"Other Compr. Net Income": "1,100",
"Other Expenses": "308,100",
"Other Liabilities": "5,067,900",
"Other Net Income": "0",
"Other Revenues": "1,489,000",
"Professional Fees": "0",
"Securities": "0",
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"Liabilities": "5,067,900",
"Expenses": "832,900",
"Revenues": "1,489,000",
"Stockholders Equity": "2,355,300",
"Net Income": "656,100",
"Comprehensive Net Income": "657,200",
"BaseVar": "7,407,050",
"ECR before LimitedLiability": "29%",
"Economic Capital Ratio": "31%"
}
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"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "69,600",
"Interest Expense": "192,000",
"Interest Payable": "0",
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"Loans": "6,787,900",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "304,900",
"Other Compr. Net Income": "800",
"Other Expenses": "730,700",
"Other Liabilities": "5,186,500",
"Other Net Income": "0",
"Other Revenues": "1,669,300",
"Professional Fees": "0",
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"Selling and Marketing Expense": "69,500"
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"output_variables": {
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"Liabilities": "5,186,500",
"Expenses": "1,248,300",
"Revenues": "1,669,300",
"Stockholders Equity": "2,302,500",
"Net Income": "421,000",
"Comprehensive Net Income": "421,800",
"BaseVar": "7,796,950",
"ECR before LimitedLiability": "25%",
"Economic Capital Ratio": "27%"
}
},
"2021": {
"input_variables": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "100,300",
"Interest Expense": "164,200",
"Interest Payable": "0",
"Labor and Related Expense": "218,100",
"Loans": "6,336,300",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "280,400",
"Other Compr. Net Income": "-1,400",
"Other Expenses": "349,800",
"Other Liabilities": "5,226,700",
"Other Net Income": "0",
"Other Revenues": "1,856,000",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "65,300"
},
"output_variables": {
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"Liabilities": "5,226,700",
"Expenses": "897,700",
"Revenues": "1,856,000",
"Stockholders Equity": "1,824,200",
"Net Income": "958,300",
"Comprehensive Net Income": "956,900",
"BaseVar": "7,516,350",
"ECR before LimitedLiability": "30%",
"Economic Capital Ratio": "32%"
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0000885550.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0000885550.svg"
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{
"company_id": "0001434621",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001434621.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001434621.svg",
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"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001434621_256x256.png",
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"rank": 8,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 29% points.The greatest weakness of Lendingtree Inc is the variable Expenses, reducing the Economic Capital Ratio by 94% points.
The company's Economic Capital Ratio, given in the ranking table, is 29%, being 10% points above the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001434621_2022_Lendingtree_Inc.pdf",
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"Liabilities": "63.5",
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"Expenses": "-152",
"Revenues": "68.9",
"Net Income": "15.4",
"Selling and Marketing Expense": "-122",
"General and Administrative Expense": "-14.0",
"Labor and Related Expense": "2.08",
"Other Expenses": "-29.2",
"Operating Expenses": "10.3",
"Other Revenues": "68.9",
"Comprehensive Net Income": "13.9",
"Other Net Income": "-3.90",
"Economic Capital Ratio": "51.9"
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"Assets": "-20.7",
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"Stockholders Equity": "7.64",
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"Revenues": "31.0",
"Net Income": "2.80",
"Selling and Marketing Expense": "-76.7",
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"Operating Expenses": "4.27",
"General and Administrative Expense": "-10.8",
"Other Revenues": "31.0",
"Comprehensive Net Income": "2.30",
"Economic Capital Ratio": "14.5"
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"Assets": "-17.9",
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"BaseVar": "578,388",
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"Economic Capital Ratio": "38%"
}
},
"2019": {
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},
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{
"company_id": "0001084961",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001084961.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001084961.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001084961.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001084961_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001084961_main_keyfigs.svg",
"name": "Encore Capital Group INC",
"rank": 9,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001084961.svg",
"report_text": "The relative strengths and weaknesses of Encore Capital 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 Encore Capital Group INC compared to the market average is the variable Other Revenues, increasing the Economic Capital Ratio by 19% points.The greatest weakness of Encore Capital Group INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 44% points.
The company's Economic Capital Ratio, given in the ranking table, is 26%, being 7.5% points above the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001084961_2022_Encore_Capital_Group_INC.pdf",
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"Assets": "-6.07",
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"Labor and Related Expense": "-6.42",
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"Other Net Income": "-6.73",
"Economic Capital Ratio": "7.53"
}
},
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"General and Administrative Expense": "134,046",
"Interest Expense": "0",
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"Labor and Related Expense": "281,097",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "787,744",
"Other Assets": "3,520,732",
"Other Compr. Net Income": "12,664",
"Other Expenses": "-411,806",
"Other Liabilities": "3,069,982",
"Other Net Income": "-186,492",
"Other Revenues": "1,029,258",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
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"output_variables": {
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"Liabilities": "3,069,982",
"Expenses": "825,949",
"Revenues": "1,029,258",
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"2017": {
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"Revenues": "1,187,038",
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"Economic Capital Ratio": "18%"
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},
"2018": {
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"Interest Expense": "0",
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"Labor and Related Expense": "369,064",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "956,730",
"Other Assets": "4,474,457",
"Other Compr. Net Income": "-27,481",
"Other Expenses": "-521,892",
"Other Liabilities": "3,812,187",
"Other Net Income": "-207,339",
"Other Revenues": "1,320,557",
"Professional Fees": "0",
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},
"output_variables": {
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"Liabilities": "3,812,187",
"Expenses": "1,003,482",
"Revenues": "1,320,557",
"Stockholders Equity": "819,688",
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"ECR before LimitedLiability": "12%",
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"Other Net Income": "-250,664",
"Other Revenues": "1,501,400",
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"Revenues": "1,501,400",
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0001084961.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0001084961.svg"
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{
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"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001820953.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001820953.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001820953.svg",
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"name": "Affirm Holdings Inc",
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"report_text": "The relative strengths and weaknesses of Affirm 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 Affirm Holdings Inc compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 19% points.The greatest weakness of Affirm Holdings Inc is the variable Expenses, reducing the Economic Capital Ratio by 26% points.
The company's Economic Capital Ratio, given in the ranking table, is 26%, being 7.5% points above the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001820953_2022_Affirm_Holdings_Inc.pdf",
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"Revenues": "12.5",
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}
},
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{
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"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001464343.svg",
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"name": "Atlanticus Holdings Corp",
"rank": 11,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 Other Revenues, increasing the Economic Capital Ratio by 20% points.The greatest weakness of Atlanticus Holdings Corp is the variable Other Liabilities, reducing the Economic Capital Ratio by 46% points.
The company's Economic Capital Ratio, given in the ranking table, is 25%, being 6.6% points above the market average of 19%.",
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0001464343.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0001464343.svg"
},
{
"company_id": "0001849867",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001849867.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001849867.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0000000000.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000000000_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001849867_main_keyfigs.svg",
"name": "Catalyst Bancorp Inc",
"rank": 12,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001849867.svg",
"report_text": "The relative strengths and weaknesses of Catalyst 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 Catalyst Bancorp Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Catalyst 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 24%, being 5.7% points above the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001849867_2022_Catalyst_Bancorp_Inc.pdf",
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"Stockholders Equity": "8.35",
"ECR before LimitedLiability": "6.09",
"Loans": "-10.1",
"Other Assets": "2.82",
"Notes Receivable": "12.5",
"Cash and Cash Equivalents": "3.00",
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"Deposits": "-10.9",
"Debt": "3.16",
"Expenses": "3.50",
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"Other Net Income": "-1.05",
"Economic Capital Ratio": "5.66"
}
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"Debt": "0",
"Deposits": "176,795",
"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": "129,566",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "114,899",
"Other Compr. Net Income": "-790",
"Other Expenses": "487",
"Other Liabilities": "10,208",
"Other Net Income": "2,414",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "187,003",
"Expenses": "487",
"Revenues": "0",
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"Net Income": "1,927",
"Comprehensive Net Income": "1,137",
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0001849867.svg",
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{
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"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001821160.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001821160.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001821160.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001821160_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001821160_main_keyfigs.svg",
"name": "Guild Holdings Co",
"rank": 13,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001821160.svg",
"report_text": "The relative strengths and weaknesses of Guild Holdings 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 Guild Holdings Co compared to the market average is the variable Other Net Income, increasing the Economic Capital Ratio by 19% points.The greatest weakness of Guild Holdings Co is the variable Other Liabilities, reducing the Economic Capital Ratio by 44% points.
The company's Economic Capital Ratio, given in the ranking table, is 23%, being 4.0% points above the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001821160_2022_Guild_Holdings_Co.pdf",
"shrinked_graph_json": {
"2020": {
"Notes Receivable": "-5.31",
"Assets": "-7.20",
"Liabilities": "7.75",
"Stockholders Equity": "-2.15",
"ECR before LimitedLiability": "3.69",
"Other Assets": "14.8",
"Loans": "-14.2",
"Other Liabilities": "-43.2",
"Deposits": "15.4",
"Debt": "3.84",
"Expenses": "-17.0",
"Revenues": "-3.75",
"Net Income": "4.70",
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"Operating Expenses": "-19.1",
"Labor and Related Expense": "-15.9",
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"Other Revenues": "-3.75",
"Comprehensive Net Income": "4.73",
"Other Net Income": "16.8",
"Economic Capital Ratio": "3.35"
},
"2021": {
"Assets": "-7.26",
"Liabilities": "10.2",
"ECR before LimitedLiability": "4.47",
"Loans": "-13.3",
"Other Assets": "16.1",
"Notes Receivable": "-6.63",
"Cash and Cash Equivalents": "-0.796",
"Other Liabilities": "-44.3",
"Deposits": "17.1",
"Debt": "4.04",
"Expenses": "-22.0",
"Net Income": "2.99",
"Other Expenses": "15.4",
"Operating Expenses": "-24.9",
"Labor and Related Expense": "-20.6",
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"Revenues": "-4.80",
"Comprehensive Net Income": "3.15",
"Other Net Income": "18.6",
"Economic Capital Ratio": "4.03"
}
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"Depreciation and Amortization": "7,501",
"General and Administrative Expense": "101,948",
"Interest Expense": "0",
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"Operating Expenses": "1,127,977",
"Other Assets": "4,483,464",
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"Other Expenses": "-939,714",
"Other Liabilities": "4,082,095",
"Other Net Income": "1,622,047",
"Other Revenues": "0",
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"Revenues": "0",
"Stockholders Equity": "735,992",
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"Comprehensive Net Income": "370,577",
"BaseVar": "5,886,850",
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},
"2021": {
"input_variables": {
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"Deposits": "0",
"Depreciation and Amortization": "11,488",
"General and Administrative Expense": "91,291",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "1,019,790",
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"Operating Expenses": "1,189,379",
"Other Assets": "4,140,096",
"Other Compr. Net Income": "0",
"Other Expenses": "-1,019,420",
"Other Liabilities": "3,463,191",
"Other Net Income": "1,576,310",
"Other Revenues": "0",
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"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "4,383,204",
"Liabilities": "3,463,191",
"Expenses": "1,292,528",
"Revenues": "0",
"Stockholders Equity": "920,013",
"Net Income": "283,782",
"Comprehensive Net Income": "283,782",
"BaseVar": "5,357,616",
"ECR before LimitedLiability": "19%",
"Economic Capital Ratio": "23%"
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"company_index": "https://www.realrate-archive.com/us_savings/2021/industry_indexes/0001821160.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0001821160.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0001821160.svg"
},
{
"company_id": "0001805284",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001805284.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001805284.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001805284.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001805284_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001805284_main_keyfigs.svg",
"name": "Rocket Companies Inc",
"rank": 14,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001805284.svg",
"report_text": "The relative strengths and weaknesses of Rocket Companies 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 Rocket Companies Inc compared to the market average is the variable Other Net Income, increasing the Economic Capital Ratio by 20% points.The greatest weakness of Rocket Companies Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 35% points.
The company's Economic Capital Ratio, given in the ranking table, is 23%, being 3.8% points above the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001805284_2022_Rocket_Companies_Inc.pdf",
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"Liabilities": "10.4",
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"Cash and Cash Equivalents": "-0.679",
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"Selling and Marketing Expense": "-1.11",
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"Other Revenues": "-4.01",
"Other Net Income": "17.4",
"Other Compr. Net Income": "-21.6",
"Economic Capital Ratio": "0.525"
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"Assets": "-8.16",
"Liabilities": "14.1",
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"Notes Receivable": "-7.05",
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"Economic Capital Ratio": "3.79"
}
},
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"Depreciation and Amortization": "74,316",
"General and Administrative Expense": "1,053,080",
"Interest Expense": "186,301",
"Interest Payable": "0",
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"Other Expenses": "833,975",
"Other Liabilities": "29,652,446",
"Other Net Income": "15,735,182",
"Other Revenues": "0",
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"Selling and Marketing Expense": "949,933"
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"Expenses": "6,335,906",
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"input_variables": {
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"Other Net Income": "12,914,466",
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"ECR before LimitedLiability": "19%",
"Economic Capital Ratio": "23%"
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0001805284.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0001805284.svg"
},
{
"company_id": "0001519401",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001519401.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001519401.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001519401.jpg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001519401_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001519401_main_keyfigs.svg",
"name": "Regional Management Corp",
"rank": 15,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001519401.svg",
"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 16% points.The greatest weakness of Regional Management Corp is the variable Debt, reducing the Economic Capital Ratio by 63% points.
The company's Economic Capital Ratio, given in the ranking table, is 22%, being 3.0% points above the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001519401_2022_Regional_Management_Corp.pdf",
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"Debt": "-59.9",
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"Operating Expenses": "3.45",
"Other Revenues": "17.9",
"Comprehensive Net Income": "2.93",
"Economic Capital Ratio": "7.17"
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"2017": {
"Assets": "-6.27",
"Stockholders Equity": "3.99",
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"Other Assets": "-11.8",
"Loans": "10.7",
"Other Liabilities": "10.4",
"Liabilities": "12.8",
"Debt": "-61.6",
"Deposits": "18.2",
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"Revenues": "18.1",
"Net Income": "2.82",
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"Operating Expenses": "2.35",
"Labor and Related Expense": "-7.58",
"General and Administrative Expense": "-14.8",
"Interest Expense": "-2.29",
"Other Revenues": "18.1",
"Comprehensive Net Income": "2.85",
"Economic Capital Ratio": "7.69"
},
"2018": {
"Other Assets": "-9.16",
"Assets": "3.35",
"Liabilities": "3.45",
"Stockholders Equity": "5.74",
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"Other Net Income": "-1.60",
"Economic Capital Ratio": "-2.70"
},
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"Other Net Income": "-1.67",
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}
},
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"Other Expenses": "-17,944",
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"Liabilities": "504,749",
"Expenses": "216,487",
"Revenues": "240,518",
"Stockholders Equity": "207,475",
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"Comprehensive Net Income": "24,031",
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"Interest Expense": "23,908",
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"Other Compr. Net Income": "0",
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"Other Liabilities": "23,526",
"Other Net Income": "0",
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"Selling and Marketing Expense": "7,128"
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"Liabilities": "590,072",
"Expenses": "242,496",
"Revenues": "272,459",
"Stockholders Equity": "239,411",
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"Comprehensive Net Income": "29,963",
"BaseVar": "967,255",
"ECR before LimitedLiability": "21%",
"Economic Capital Ratio": "24%"
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},
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"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",
"Other Assets": "35,968",
"Other Compr. Net Income": "0",
"Other Expenses": "87,056",
"Other Liabilities": "25,885",
"Other Net Income": "0",
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},
"output_variables": {
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"Revenues": "0",
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},
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"report_text": "The relative strengths and weaknesses of Cullman 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 Cullman Bancorp Inc MD compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Cullman Bancorp Inc MD is the variable Deposits, reducing the Economic Capital Ratio by 11% points.
The company's Economic Capital Ratio, given in the ranking table, is 21%, being 2.6% points above the market average of 19%.",
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"name": "American Honda Finance CORP",
"rank": 17,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0000864270.svg",
"report_text": "The relative strengths and weaknesses of American Honda Finance 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 Honda Finance CORP compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 14% points.The greatest weakness of American Honda Finance CORP is the variable Debt, reducing the Economic Capital Ratio by 51% points.
The company's Economic Capital Ratio, given in the ranking table, is 21%, being 2.3% points above the market average of 19%.",
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}
},
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{
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"name": "Pennymac Financial Services Inc",
"rank": 18,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001745916.svg",
"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 19% points.The greatest weakness of Pennymac Financial Services Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 50% points.
The company's Economic Capital Ratio, given in the ranking table, is 21%, being 2.0% points above the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001745916_2022_Pennymac_Financial_Services_Inc.pdf",
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"Assets": "-1.20",
"Liabilities": "3.66",
"Stockholders Equity": "1.82",
"ECR before LimitedLiability": "4.29",
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"Assets": "-1.61",
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"Expenses": "-4.81",
"Revenues": "-2.42",
"Net Income": "2.25",
"Other Expenses": "4.49",
"Operating Expenses": "-6.61",
"Labor and Related Expense": "-3.12",
"Other Revenues": "-2.42",
"Comprehensive Net Income": "2.17",
"Other Net Income": "10.6",
"Economic Capital Ratio": "3.89"
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"Assets": "-1.94",
"Stockholders Equity": "-2.55",
"Debt": "3.32",
"Economic Capital Ratio": "-0.248",
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"Professional Fees": "-0.599",
"Expenses": "-0.792",
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"Selling and Marketing Expense": "0.596",
"Operating Expenses": "-2.25",
"Labor and Related Expense": "-0.926",
"Other Expenses": "1.64",
"Other Revenues": "-3.01",
"Deposits": "11.9",
"Other Liabilities": "-49.0",
"Comprehensive Net Income": "3.21",
"Other Net Income": "8.09"
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"Liabilities": "3.03",
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"Loans": "-11.2",
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"Other Liabilities": "-49.7",
"Deposits": "14.5",
"Debt": "3.37",
"Expenses": "-4.47",
"Net Income": "2.36",
"Other Expenses": "4.93",
"Professional Fees": "-1.60",
"Operating Expenses": "-6.42",
"Labor and Related Expense": "-2.98",
"Other Revenues": "-3.81",
"Revenues": "-3.81",
"Comprehensive Net Income": "2.49",
"Other Net Income": "12.1",
"Economic Capital Ratio": "1.99"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001745916_strength_weakness.svg",
"table_records": {
"2018": {
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"Debt": "0",
"Deposits": "0",
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"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "403,270",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "716,932",
"Other Assets": "7,478,573",
"Other Compr. Net Income": "0",
"Other Expenses": "-443,236",
"Other Liabilities": "5,824,782",
"Other Net Income": "0",
"Other Revenues": "984,629",
"Professional Fees": "55,013",
"Securities": "0",
"Selling and Marketing Expense": "8,207"
},
"output_variables": {
"Assets": "7,478,573",
"Liabilities": "5,824,782",
"Expenses": "740,186",
"Revenues": "984,629",
"Stockholders Equity": "1,653,791",
"Net Income": "244,443",
"Comprehensive Net Income": "244,443",
"BaseVar": "7,514,085",
"ECR before LimitedLiability": "16%",
"Economic Capital Ratio": "21%"
}
},
"2019": {
"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": "503,458",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "947,960",
"Other Assets": "10,204,017",
"Other Compr. Net Income": "0",
"Other Expenses": "-517,176",
"Other Liabilities": "8,142,510",
"Other Net Income": "1,477,404",
"Other Revenues": "0",
"Professional Fees": "150,197",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "8,142,510",
"Expenses": "1,084,439",
"Revenues": "0",
"Stockholders Equity": "2,061,507",
"Net Income": "392,965",
"Comprehensive Net Income": "392,965",
"BaseVar": "10,454,185",
"ECR before LimitedLiability": "16%",
"Economic Capital Ratio": "20%"
}
},
"2020": {
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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": "738,569",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "1,464,988",
"Other Assets": "31,597,795",
"Other Compr. Net Income": "0",
"Other Expenses": "-428,654",
"Other Liabilities": "28,208,407",
"Other Net Income": "3,705,597",
"Other Revenues": "0",
"Professional Fees": "283,810",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "31,597,795",
"Liabilities": "28,208,407",
"Expenses": "2,058,713",
"Revenues": "0",
"Stockholders Equity": "3,389,388",
"Net Income": "1,646,884",
"Comprehensive Net Income": "1,646,884",
"BaseVar": "32,785,256",
"ECR before LimitedLiability": "11%",
"Economic Capital Ratio": "18%"
}
},
"2021": {
"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": "999,802",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "1,808,178",
"Other Assets": "18,776,612",
"Other Compr. Net Income": "0",
"Other Expenses": "-1,113,986",
"Other Liabilities": "15,358,287",
"Other Net Income": "3,167,361",
"Other Revenues": "0",
"Professional Fees": "425,071",
"Securities": "0",
"Selling and Marketing Expense": "44,806"
},
"output_variables": {
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"Liabilities": "15,358,287",
"Expenses": "2,163,871",
"Revenues": "0",
"Stockholders Equity": "3,418,325",
"Net Income": "1,003,490",
"Comprehensive Net Income": "1,003,490",
"BaseVar": "19,733,066",
"ECR before LimitedLiability": "16%",
"Economic Capital Ratio": "21%"
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},
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"trend": 4.0,
"value": 0.20721220551159347,
"company_index": "https://www.realrate-archive.com/us_savings/2021/industry_indexes/0001745916.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0001745916.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0001745916.svg"
},
{
"company_id": "0001828376",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001828376.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001828376.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001828376.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001828376_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001828376_main_keyfigs.svg",
"name": "William Penn Bancorporation",
"rank": 19,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001828376.svg",
"report_text": "The relative strengths and weaknesses of William Penn Bancorporation 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 William Penn Bancorporation compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 9.6% points.The greatest weakness of William Penn Bancorporation is the variable Deposits, reducing the Economic Capital Ratio by 11% points.
The company's Economic Capital Ratio, given in the ranking table, is 21%, being 1.9% points above the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001828376_2022_William_Penn_Bancorporation.pdf",
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"Stockholders Equity": "4.56",
"ECR before LimitedLiability": "2.30",
"Loans": "9.63",
"Other Assets": "3.61",
"Notes Receivable": "-4.83",
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"Selling and Marketing Expense": "0.538",
"Expenses": "3.48",
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"Debt": "2.93",
"Deposits": "-11.0",
"Comprehensive Net Income": "-0.873",
"Other Net Income": "-1.20",
"Economic Capital Ratio": "1.86"
}
},
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"table_records": {
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"Debt": "0",
"Deposits": "553,103",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "461,196",
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"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "361,212",
"Other Compr. Net Income": "-140",
"Other Expenses": "947",
"Other Liabilities": "52,379",
"Other Net Income": "4,726",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "605,482",
"Expenses": "947",
"Revenues": "0",
"Stockholders Equity": "216,926",
"Net Income": "3,779",
"Comprehensive Net Income": "3,639",
"BaseVar": "716,852",
"ECR before LimitedLiability": "16%",
"Economic Capital Ratio": "21%"
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0001828376.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0001828376.svg"
},
{
"company_id": "0001787384",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001787384.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001787384.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0000000000.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000000000_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001787384_main_keyfigs.svg",
"name": "FFBW Inc MD",
"rank": 20,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001787384.svg",
"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 Loans, increasing the Economic Capital Ratio by 12% points.The greatest weakness of FFBW Inc MD is the variable Deposits, reducing the Economic Capital Ratio by 14% points.
The company's Economic Capital Ratio, given in the ranking table, is 20%, being 1.8% points above the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001787384_2022_FFBW_Inc_MD.pdf",
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"Assets": "2.61",
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"Revenues": "-2.12",
"Stockholders Equity": "2.72",
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"Debt": "3.67",
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"Economic Capital Ratio": "2.09",
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"Assets": "4.26",
"Liabilities": "1.48",
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"Revenues": "-2.94",
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}
},
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},
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"Revenues": "0",
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"Net Income": "1,556",
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"BaseVar": "263,032",
"ECR before LimitedLiability": "13%",
"Economic Capital Ratio": "19%"
}
},
"2020": {
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"Operating Expenses": "0",
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"Other Expenses": "566",
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"Other Net Income": "2,397",
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"Revenues": "0",
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{
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"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001029199.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001029199.svg",
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"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001029199_main_keyfigs.svg",
"name": "Euronet Worldwide INC",
"rank": 21,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001029199.svg",
"report_text": "The relative strengths and weaknesses of Euronet Worldwide 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 Euronet Worldwide INC compared to the market average is the variable Other Revenues, increasing the Economic Capital Ratio by 20% points.The greatest weakness of Euronet Worldwide INC is the variable Operating Expenses, reducing the Economic Capital Ratio by 61% points.
The company's Economic Capital Ratio, given in the ranking table, is 20%, being 1.4% points above the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001029199_2022_Euronet_Worldwide_INC.pdf",
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"Revenues": "22.0",
"Economic Capital Ratio": "4.82",
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"2021": {
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The greatest strength of UWM Holdings Corp compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 18% points.The greatest weakness of UWM Holdings Corp is the variable Other Liabilities, reducing the Economic Capital Ratio by 54% 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 7.4% points.The greatest weakness of Waterstone Financial Inc is the variable Debt, reducing the Economic Capital Ratio by 6.7% points.
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"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001850398.svg",
"report_text": "The relative strengths and weaknesses of TC 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 TC Bancshares Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 12% points.The greatest weakness of TC Bancshares 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 19%, being 0.60% points above the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001850398_2022_TC_Bancshares_Inc.pdf",
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"Operating Expenses": "0.837",
"Labor and Related Expense": "0.826",
"General and Administrative Expense": "0.550",
"Other Revenues": "-3.24",
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"Other Net Income": "-0.961",
"Economic Capital Ratio": "0.604"
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},
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"2021": {
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"Debt": "0",
"Deposits": "289,317",
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"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "4,813",
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"Operating Expenses": "0",
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"Other Compr. Net Income": "507",
"Other Expenses": "823",
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"Other Net Income": "3,463",
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{
"company_id": "0001584207",
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"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001584207.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001584207.png",
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"name": "Onemain Holdings Inc",
"rank": 25,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001584207.svg",
"report_text": "The relative strengths and weaknesses of Onemain 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 Onemain Holdings Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 17% points.The greatest weakness of Onemain Holdings Inc is the variable Debt, reducing the Economic Capital Ratio by 67% points.
The company's Economic Capital Ratio, given in the ranking table, is 19%, being 0.59% points above the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001584207_2022_Onemain_Holdings_Inc.pdf",
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"Operating Expenses": "2.71",
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"Economic Capital Ratio": "0.258"
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"Assets": "1.48",
"Liabilities": "-0.956",
"Stockholders Equity": "0.713",
"ECR before LimitedLiability": "1.17",
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"Expenses": "2.71",
"Revenues": "-2.64",
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"Operating Expenses": "1.84",
"Labor and Related Expense": "0.529",
"Other Revenues": "-2.64",
"Comprehensive Net Income": "0.770",
"Other Net Income": "0.828",
"Economic Capital Ratio": "0.464"
},
"2018": {
"Other Assets": "-6.08",
"Assets": "1.40",
"Liabilities": "-0.465",
"Stockholders Equity": "1.14",
"ECR before LimitedLiability": "2.00",
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"Assets": "1.19",
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"Other Liabilities": "6.15",
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"Expenses": "2.10",
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"Operating Expenses": "0.530",
"Selling and Marketing Expense": "0.601",
"Labor and Related Expense": "0.500",
"Other Revenues": "-2.19",
"Debt": "-61.5",
"Deposits": "13.5",
"Comprehensive Net Income": "2.40",
"Other Net Income": "2.30",
"Economic Capital Ratio": "3.55"
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"2020": {
"Notes Receivable": "15.5",
"Assets": "0.790",
"Liabilities": "-1.48",
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"Selling and Marketing Expense": "0.551",
"Operating Expenses": "0.979",
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"Revenues": "-2.82",
"Comprehensive Net Income": "1.91",
"Other Net Income": "1.77",
"Economic Capital Ratio": "0.344"
},
"2021": {
"Other Liabilities": "6.70",
"Liabilities": "-1.14",
"Stockholders Equity": "-0.872",
"ECR before LimitedLiability": "1.03",
"Deposits": "13.0",
"Debt": "-67.4",
"Expenses": "2.38",
"Net Income": "2.92",
"Other Expenses": "-0.919",
"Operating Expenses": "0.876",
"Labor and Related Expense": "0.864",
"Other Revenues": "-3.39",
"Revenues": "-3.39",
"Securities": "2.66",
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"Other Net Income": "4.06",
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}
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"Other Liabilities": "1,098,000",
"Other Net Income": "356,000",
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"Revenues": "0",
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"Comprehensive Net Income": "242,000",
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"ECR before LimitedLiability": "11%",
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"Revenues": "0",
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"Comprehensive Net Income": "200,000",
"BaseVar": "18,142,000",
"ECR before LimitedLiability": "10%",
"Economic Capital Ratio": "17%"
}
},
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"Notes Receivable": "0",
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"Operating Expenses": "0",
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"Other Compr. Net Income": "-47,000",
"Other Expenses": "177,000",
"Other Liabilities": "1,113,000",
"Other Net Income": "624,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "1,694,000",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "16,291,000",
"Expenses": "177,000",
"Revenues": "0",
"Stockholders Equity": "3,799,000",
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"Comprehensive Net Income": "400,000",
"BaseVar": "18,614,500",
"ECR before LimitedLiability": "13%",
"Economic Capital Ratio": "19%"
}
},
"2019": {
"input_variables": {
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}
},
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}
},
"2021": {
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},
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"trend": -5.0,
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0001584207.svg",
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{
"company_id": "0000731288",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0000731288.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0000731288.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0000731288.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000731288_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0000731288_main_keyfigs.svg",
"name": "Paccar Financial CORP",
"rank": 26,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 13% points.The greatest weakness of Paccar Financial 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 19%, being 0.33% points above the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0000731288_2022_Paccar_Financial_CORP.pdf",
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"Other Expenses": "-247,800",
"Other Liabilities": "6,782,300",
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"Liabilities": "6,782,300",
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"Revenues": "0",
"Stockholders Equity": "1,570,300",
"Net Income": "391,200",
"Comprehensive Net Income": "392,800",
"BaseVar": "8,045,050",
"ECR before LimitedLiability": "16%",
"Economic Capital Ratio": "21%"
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},
"2018": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "365,400",
"General and Administrative Expense": "0",
"Interest Expense": "138,500",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "6,038,800",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "3,256,500",
"Other Compr. Net Income": "-1,100",
"Other Expenses": "54,700",
"Other Liabilities": "7,626,900",
"Other Net Income": "0",
"Other Revenues": "707,500",
"Professional Fees": "0",
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"Selling and Marketing Expense": "56,400"
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"Liabilities": "7,626,900",
"Expenses": "615,000",
"Revenues": "707,500",
"Stockholders Equity": "1,668,400",
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"Comprehensive Net Income": "91,400",
"BaseVar": "9,122,900",
"ECR before LimitedLiability": "11%",
"Economic Capital Ratio": "17%"
}
},
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{
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"report_text": "The relative strengths and weaknesses of Northeast Community 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 Northeast Community Bancorp Inc MD compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Northeast Community Bancorp Inc MD is the variable Deposits, reducing the Economic Capital Ratio by 14% points.
The company's Economic Capital Ratio, given in the ranking table, is 18%, being 0.24% points below the market average of 19%.",
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"name": "Discover Financial Services",
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"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 Notes Receivable, increasing the Economic Capital Ratio by 17% points.The greatest weakness of Discover Financial Services is the variable Loans, reducing the Economic Capital Ratio by 10% points.
The company's Economic Capital Ratio, given in the ranking table, is 18%, being 0.86% points below the market average of 19%.",
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"Revenues": "-3.06",
"Economic Capital Ratio": "-3.80",
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"Liabilities": "-1.90",
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},
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}
},
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}
},
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"Other Assets": "5,144,000",
"Other Compr. Net Income": "-139,000",
"Other Expenses": "1,615,000",
"Other Liabilities": "5,964,000",
"Other Net Income": "7,064,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "6,904,000",
"Selling and Marketing Expense": "0"
},
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"Liabilities": "96,834,000",
"Expenses": "1,615,000",
"Revenues": "0",
"Stockholders Equity": "13,408,000",
"Net Income": "5,449,000",
"Comprehensive Net Income": "5,310,000",
"BaseVar": "107,947,000",
"ECR before LimitedLiability": "12%",
"Economic Capital Ratio": "18%"
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{
"company_id": "0001787414",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001787414.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001787414.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001787414.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001787414_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001787414_main_keyfigs.svg",
"name": "Bogota Financial Corp",
"rank": 29,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 10% points.The greatest weakness of Bogota Financial Corp is the variable Deposits, reducing the Economic Capital Ratio by 10% points.
The company's Economic Capital Ratio, given in the ranking table, is 17%, being 1.5% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001787414_2022_Bogota_Financial_Corp.pdf",
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"Assets": "0.801",
"Liabilities": "-3.08",
"Stockholders Equity": "-2.08",
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"Cash and Cash Equivalents": "4.98",
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"Operating Expenses": "0.639",
"Selling and Marketing Expense": "0.727",
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"Assets": "2.31",
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"Other Expenses": "851",
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"Other Net Income": "3,279",
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"Revenues": "0",
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"Revenues": "0",
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"Other Net Income": "9,395",
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{
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"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001846017.svg",
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"name": "Blue Foundry Bancorp",
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"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001846017.svg",
"report_text": "The relative strengths and weaknesses of Blue Foundry 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 Blue Foundry Bancorp compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 16% points.The greatest weakness of Blue Foundry Bancorp is the variable Loans, reducing the Economic Capital Ratio by 9.8% points.
The company's Economic Capital Ratio, given in the ranking table, is 17%, being 1.6% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001846017_2022_Blue_Foundry_Bancorp.pdf",
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}
},
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{
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"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001734875.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001734875.svg",
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"name": "Mid Southern Bancorp Inc",
"rank": 31,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001734875.svg",
"report_text": "The relative strengths and weaknesses of Mid Southern 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 Mid Southern Bancorp Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 7.6% points.The greatest weakness of Mid Southern 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 17%, being 1.7% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001734875_2022_Mid_Southern_Bancorp_Inc.pdf",
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{
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"name": "Cincinnati Bancorp Inc",
"rank": 32,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001787005.svg",
"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 13% points.The greatest weakness of Cincinnati 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 17%, being 1.9% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001787005_2022_Cincinnati_Bancorp_Inc.pdf",
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"Assets": "1.92",
"Liabilities": "-1.62",
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"Selling and Marketing Expense": "0.551",
"Operating Expenses": "0.980",
"Labor and Related Expense": "0.698",
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"Other Revenues": "-2.78",
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"Debt": "0",
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"General and Administrative Expense": "0",
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"Operating Expenses": "0",
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"Other Expenses": "88",
"Other Liabilities": "74,218",
"Other Net Income": "886",
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"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
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"Liabilities": "217,720",
"Expenses": "88",
"Revenues": "0",
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"Net Income": "798",
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"Economic Capital Ratio": "13%"
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"Other Expenses": "820",
"Other Liabilities": "43,349",
"Other Net Income": "3,976",
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"Revenues": "0",
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"BaseVar": "218,780",
"ECR before LimitedLiability": "11%",
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"Revenues": "0",
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{
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"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001823406.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001823406.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001823406.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001823406_256x256.png",
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"name": "Affinity Bancshares Inc",
"rank": 33,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001823406.svg",
"report_text": "The relative strengths and weaknesses of Affinity 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 Affinity Bancshares Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Affinity Bancshares 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 2.5% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001823406_2022_Affinity_Bancshares_Inc.pdf",
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"Expenses": "4.60",
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}
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},
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"Other Expenses": "2,338",
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"Other Net Income": "9,911",
"Other Revenues": "0",
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"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Economic Capital Ratio": "16%"
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0001823406.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0001823406.svg"
},
{
"company_id": "0001297341",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001297341.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001297341.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001297341.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001297341_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001297341_main_keyfigs.svg",
"name": "Kentucky First Federal Bancorp",
"rank": 34,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001297341.svg",
"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 15% points.The greatest weakness of Kentucky First Federal Bancorp is the variable Other Assets, reducing the Economic Capital Ratio by 8.6% points.
The company's Economic Capital Ratio, given in the ranking table, is 16%, being 2.7% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001297341_2022_Kentucky_First_Federal_Bancorp.pdf",
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"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001849466.svg",
"report_text": "The relative strengths and weaknesses of Texas 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 Texas Community Bancshares Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 16% points.The greatest weakness of Texas Community Bancshares 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 16%, being 2.7% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001849466_2022_Texas_Community_Bancshares_Inc.pdf",
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{
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"name": "PCSB Financial Corp",
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"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 Loans, increasing the Economic Capital Ratio by 8.9% points.The greatest weakness of PCSB 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 16%, being 2.8% points below the market average of 19%.",
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{
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"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001617242.svg",
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"name": "Kearny Financial Corp",
"rank": 37,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 Loans, increasing the Economic Capital Ratio by 8.8% points.The greatest weakness of Kearny 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 16%, being 2.9% points below the market average of 19%.",
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"Revenues": "6,814",
"Stockholders Equity": "1,127,159",
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"BaseVar": "6,220,091",
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"Operating Expenses": "0",
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"Other Compr. Net Income": "-1,582",
"Other Expenses": "43,684",
"Other Liabilities": "70,551",
"Other Net Income": "150,565",
"Other Revenues": "6,419",
"Professional Fees": "0",
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"Selling and Marketing Expense": "2,788"
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"Liabilities": "5,673,998",
"Expenses": "119,911",
"Revenues": "6,419",
"Stockholders Equity": "1,084,177",
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"Comprehensive Net Income": "35,491",
"BaseVar": "6,355,325",
"ECR before LimitedLiability": "9.3%",
"Economic Capital Ratio": "16%"
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},
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"Interest Expense": "0",
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"Other Compr. Net Income": "4,887",
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"Other Liabilities": "69,609",
"Other Net Income": "200,466",
"Other Revenues": "9,915",
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"Expenses": "147,148",
"Revenues": "9,915",
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{
"company_id": "0001493225",
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"rank": 38,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 Notes Receivable, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Northfield 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 16%, being 3.0% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001493225_2022_Northfield_Bancorp_Inc.pdf",
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"Selling and Marketing Expense": "0.914",
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"Operating Expenses": "2.80",
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"Comprehensive Net Income": "0.689",
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"Assets": "1.68",
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"Securities": "-0.507",
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"Expenses": "3.29",
"Net Income": "0.436",
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"Operating Expenses": "1.87",
"Labor and Related Expense": "0.537",
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"Revenues": "-2.66",
"Comprehensive Net Income": "0.459",
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"Assets": "0.879",
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"Other Expenses": "13,665",
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"Other Net Income": "39,795",
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"Other Assets": "1,112,997",
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"Other Expenses": "9,632",
"Other Liabilities": "455,481",
"Other Net Income": "49,711",
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"Revenues": "0",
"Stockholders Equity": "666,439",
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"BaseVar": "4,106,732",
"ECR before LimitedLiability": "9.1%",
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},
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"Other Expenses": "42,045",
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"Other Revenues": "9,854",
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{
"company_id": "0001835385",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001835385.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001835385.svg",
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"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001835385_main_keyfigs.svg",
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"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001835385.svg",
"report_text": "The relative strengths and weaknesses of Marathon 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 Marathon Bancorp Inc MD compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 10% points.The greatest weakness of Marathon Bancorp Inc MD 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 16%, being 3.2% points below the market average of 19%.",
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}
},
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{
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"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001778784.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001778784.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001778784.svg",
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"name": "Provident Bancorp Inc MD",
"rank": 40,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 13% points.The greatest weakness of Provident Bancorp Inc MD is the variable Deposits, reducing the Economic Capital Ratio by 17% points.
The company's Economic Capital Ratio, given in the ranking table, is 16%, being 3.2% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001778784_2022_Provident_Bancorp_Inc_MD.pdf",
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"Selling and Marketing Expense": "0.572",
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"Other Net Income": "-0.624"
},
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"Liabilities": "-2.77",
"Stockholders Equity": "-0.886",
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"Loans": "12.9",
"Other Assets": "-5.76",
"Notes Receivable": "-5.23",
"Cash and Cash Equivalents": "-2.10",
"Other Liabilities": "7.13",
"Deposits": "-17.0",
"Debt": "2.91",
"Expenses": "4.01",
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"Operating Expenses": "0.947",
"Labor and Related Expense": "0.933",
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"Comprehensive Net Income": "-0.626",
"Other Net Income": "-0.808",
"Economic Capital Ratio": "-3.23"
}
},
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"2019": {
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"Debt": "24,998",
"Deposits": "849,905",
"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": "713",
"Other Expenses": "9,561",
"Other Liabilities": "15,952",
"Other Net Income": "38,241",
"Other Revenues": "699",
"Professional Fees": "1,210",
"Securities": "0",
"Selling and Marketing Expense": "385"
},
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"Liabilities": "890,855",
"Expenses": "31,367",
"Revenues": "699",
"Stockholders Equity": "230,933",
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"BaseVar": "1,041,832",
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"Economic Capital Ratio": "18%"
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},
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"Operating Expenses": "0",
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"Other Compr. Net Income": "600",
"Other Expenses": "4,625",
"Other Liabilities": "18,997",
"Other Net Income": "16,610",
"Other Revenues": "0",
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},
"output_variables": {
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"Liabilities": "1,269,925",
"Expenses": "4,625",
"Revenues": "0",
"Stockholders Equity": "235,856",
"Net Income": "11,985",
"Comprehensive Net Income": "12,585",
"BaseVar": "1,398,770",
"ECR before LimitedLiability": "9.4%",
"Economic Capital Ratio": "16%"
}
},
"2021": {
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"Debt": "13,500",
"Deposits": "1,459,895",
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"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "1,433,803",
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"Operating Expenses": "0",
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"Other Compr. Net Income": "-409",
"Other Expenses": "5,954",
"Other Liabilities": "22,106",
"Other Net Income": "22,093",
"Other Revenues": "0",
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},
"output_variables": {
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"Liabilities": "1,495,501",
"Expenses": "5,954",
"Revenues": "0",
"Stockholders Equity": "233,782",
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"BaseVar": "1,626,620",
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"Economic Capital Ratio": "16%"
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}
},
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{
"company_id": "0000038009",
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"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0000038009.svg",
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"name": "FORD Motor Credit CO LLC",
"rank": 41,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0000038009.svg",
"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 13% points.The greatest weakness of FORD Motor Credit CO LLC 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 15%, being 3.3% points below the market average of 19%.",
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"Assets": "-2.04",
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"Revenues": "3.87",
"Net Income": "0.890",
"Other Expenses": "-1.28",
"Selling and Marketing Expense": "0.762",
"Labor and Related Expense": "0.632",
"Interest Expense": "-1.97",
"Other Revenues": "3.87",
"Other Net Income": "-1.17",
"Economic Capital Ratio": "-2.67"
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"Assets": "-1.78",
"Liabilities": "-1.72",
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},
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"General and Administrative Expense": "0",
"Interest Expense": "3,930,000",
"Interest Payable": "0",
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"Loans": "0",
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"Occupancy": "0",
"Operating Expenses": "1,429,000",
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"Other Compr. Net Income": "-813,000",
"Other Expenses": "4,476,000",
"Other Liabilities": "147,234,000",
"Other Net Income": "485,000",
"Other Revenues": "11,977,000",
"Professional Fees": "0",
"Securities": "1,308,000",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Expenses": "9,835,000",
"Revenues": "11,977,000",
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"BaseVar": "166,276,500",
"ECR before LimitedLiability": "6.0%",
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},
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"Other Net Income": "173,000",
"Other Revenues": "9,999,000",
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},
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"Expenses": "5,651,000",
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"BaseVar": "136,763,500",
"ECR before LimitedLiability": "8.2%",
"Economic Capital Ratio": "15%"
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}
},
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0000038009.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0000038009.svg"
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{
"company_id": "0001830197",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001830197.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001830197.svg",
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"name": "Home Point Capital Inc",
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"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001830197.svg",
"report_text": "The relative strengths and weaknesses of Home Point 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 Home Point Capital Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Home Point Capital Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 30% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 3.3% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001830197_2022_Home_Point_Capital_Inc.pdf",
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{
"company_id": "0001810546",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001810546.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001810546.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001810546.svg",
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"name": "Eastern Bankshares Inc",
"rank": 43,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001810546.svg",
"report_text": "The relative strengths and weaknesses of Eastern Bankshares 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 Eastern Bankshares Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 9.6% points.The greatest weakness of Eastern Bankshares 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 3.4% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001810546_2022_Eastern_Bankshares_Inc.pdf",
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{
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The greatest strength of PB Bankshares Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 12% points.The greatest weakness of PB Bankshares 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 15%, being 3.4% points below the market average of 19%.",
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{
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"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 Notes Receivable, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Flagstar Bancorp INC is the variable Loans, reducing the Economic Capital Ratio by 10% points.
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{
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"rank": 46,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0000834071.svg",
"report_text": "The relative strengths and weaknesses of Toyota Motor 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 Toyota Motor Credit CORP compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Toyota Motor Credit CORP is the variable Debt, reducing the Economic Capital Ratio by 63% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 3.6% points below the market average of 19%.",
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"Labor and Related Expense": "0.651",
"General and Administrative Expense": "-0.418",
"Other Revenues": "-3.10",
"Revenues": "-3.10",
"Notes Receivable": "11.6",
"Securities": "-0.641",
"Cash and Cash Equivalents": "-0.376",
"Other Assets": "1.11",
"Loans": "-15.0",
"Economic Capital Ratio": "-4.16",
"Other Net Income": "0.906"
},
"2019": {
"Other Assets": "0.713",
"Assets": "0.275",
"Liabilities": "-1.79",
"Stockholders Equity": "-1.37",
"ECR before LimitedLiability": "-1.86",
"Cash and Cash Equivalents": "-0.691",
"Notes Receivable": "13.5",
"Loans": "-14.9",
"Securities": "0.484",
"Deposits": "10.00",
"Debt": "-56.2",
"Other Liabilities": "5.85",
"General and Administrative Expense": "-0.593",
"Expenses": "1.70",
"Operating Expenses": "0.620",
"Selling and Marketing Expense": "0.705",
"Labor and Related Expense": "0.585",
"Other Revenues": "-2.38",
"Revenues": "-2.38",
"Economic Capital Ratio": "-2.05",
"Other Net Income": "0.826"
},
"2020": {
"Notes Receivable": "11.5",
"Assets": "0.305",
"Liabilities": "-2.56",
"Expenses": "2.48",
"Stockholders Equity": "-2.03",
"ECR before LimitedLiability": "-2.97",
"Other Assets": "-1.58",
"Loans": "-11.5",
"Securities": "0.812",
"Other Liabilities": "6.06",
"Deposits": "9.59",
"Debt": "-55.9",
"General and Administrative Expense": "-0.519",
"Selling and Marketing Expense": "0.632",
"Operating Expenses": "1.13",
"Labor and Related Expense": "0.801",
"Interest Expense": "0.219",
"Other Revenues": "-3.05",
"Revenues": "-3.05",
"Economic Capital Ratio": "-3.31",
"Other Net Income": "0.735"
},
"2021": {
"Securities": "1.02",
"Assets": "0.449",
"Liabilities": "-2.46",
"Stockholders Equity": "-1.78",
"ECR before LimitedLiability": "-3.11",
"Loans": "-10.3",
"Other Assets": "-2.11",
"Notes Receivable": "11.2",
"Other Liabilities": "6.72",
"Deposits": "10.3",
"Debt": "-63.0",
"Selling and Marketing Expense": "0.633",
"Expenses": "2.50",
"Revenues": "-3.49",
"Net Income": "-0.339",
"Other Expenses": "-0.343",
"Operating Expenses": "0.983",
"Labor and Related Expense": "0.969",
"Other Revenues": "-3.49",
"Other Net Income": "1.04",
"Economic Capital Ratio": "-3.55"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0000834071_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "2,701,000",
"Debt": "93,594,000",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "1,161,000",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "65,636,000",
"Occupancy": "0",
"Operating Expenses": "1,920,000",
"Other Assets": "46,255,000",
"Other Compr. Net Income": "-55,000",
"Other Expenses": "-581,000",
"Other Liabilities": "11,601,000",
"Other Net Income": "3,432,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "114,592,000",
"Liabilities": "105,195,000",
"Expenses": "2,500,000",
"Revenues": "0",
"Stockholders Equity": "9,397,000",
"Net Income": "932,000",
"Comprehensive Net Income": "877,000",
"BaseVar": "112,887,000",
"ECR before LimitedLiability": "5.1%",
"Economic Capital Ratio": "13%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "4,198,000",
"Debt": "98,233,000",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "1,277,000",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "68,462,000",
"Occupancy": "0",
"Operating Expenses": "2,230,000",
"Other Assets": "46,975,000",
"Other Compr. Net Income": "-140,000",
"Other Expenses": "-1,135,000",
"Other Liabilities": "11,878,000",
"Other Net Income": "2,639,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "119,635,000",
"Liabilities": "110,111,000",
"Expenses": "2,372,000",
"Revenues": "0",
"Stockholders Equity": "9,524,000",
"Net Income": "267,000",
"Comprehensive Net Income": "127,000",
"BaseVar": "117,448,500",
"ECR before LimitedLiability": "4.3%",
"Economic Capital Ratio": "12%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "2,198,000",
"Debt": "92,922,000",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "1,385,000",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "70,517,000",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "40,893,000",
"Other Compr. Net Income": "20,000",
"Other Expenses": "1,000,000",
"Other Liabilities": "10,016,000",
"Other Net Income": "3,180,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "2,908,000",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "116,516,000",
"Liabilities": "102,938,000",
"Expenses": "2,385,000",
"Revenues": "0",
"Stockholders Equity": "13,578,000",
"Net Income": "795,000",
"Comprehensive Net Income": "815,000",
"BaseVar": "112,519,500",
"ECR before LimitedLiability": "6.9%",
"Economic Capital Ratio": "15%"
}
},
"2020": {
"input_variables": {
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"Debt": "97,740,000",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "1,561,000",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "73,996,000",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "40,949,000",
"Other Compr. Net Income": "12,000",
"Other Expenses": "1,156,000",
"Other Liabilities": "13,312,000",
"Other Net Income": "3,630,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "3,820,000",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "125,555,000",
"Liabilities": "111,052,000",
"Expenses": "2,717,000",
"Revenues": "0",
"Stockholders Equity": "14,503,000",
"Net Income": "913,000",
"Comprehensive Net Income": "925,000",
"BaseVar": "121,483,000",
"ECR before LimitedLiability": "6.9%",
"Economic Capital Ratio": "15%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "8,195,000",
"Debt": "109,725,000",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "1,487,000",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "79,192,000",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "41,521,000",
"Other Compr. Net Income": "-7,000",
"Other Expenses": "1,427,000",
"Other Liabilities": "8,408,000",
"Other Net Income": "4,931,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "4,820,000",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "133,728,000",
"Liabilities": "118,133,000",
"Expenses": "2,914,000",
"Revenues": "0",
"Stockholders Equity": "15,595,000",
"Net Income": "2,017,000",
"Comprehensive Net Income": "2,010,000",
"BaseVar": "129,856,500",
"ECR before LimitedLiability": "7.8%",
"Economic Capital Ratio": "15%"
}
}
},
"top_rated": false,
"trend": 2.0,
"value": 0.15183735477213478,
"company_index": "https://www.realrate-archive.com/us_savings/2021/industry_indexes/0000834071.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0000834071.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0000834071.svg"
},
{
"company_id": "0001178970",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001178970.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001178970.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001178970.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001178970_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001178970_main_keyfigs.svg",
"name": "Provident Financial Services INC",
"rank": 47,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001178970.svg",
"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 Notes Receivable, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Provident Financial Services 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 3.6% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001178970_2022_Provident_Financial_Services_INC.pdf",
"shrinked_graph_json": {
"2016": {
"Cash and Cash Equivalents": "-0.983",
"Assets": "1.08",
"Liabilities": "-1.94",
"Stockholders Equity": "-0.680",
"Economic Capital Ratio": "-1.64",
"Other Assets": "-3.85",
"Notes Receivable": "-1.33",
"Loans": "7.33",
"Deposits": "-7.28",
"Other Liabilities": "1.70",
"Debt": "3.70",
"Expenses": "3.82",
"Revenues": "-3.20",
"Net Income": "1.18",
"Selling and Marketing Expense": "0.945",
"General and Administrative Expense": "1.08",
"Other Expenses": "-1.20",
"Operating Expenses": "3.01",
"Other Revenues": "-3.20",
"Comprehensive Net Income": "0.939",
"Other Net Income": "1.06"
},
"2017": {
"Notes Receivable": "-1.23",
"Assets": "1.18",
"Liabilities": "-2.14",
"Stockholders Equity": "-0.770",
"ECR before LimitedLiability": "-0.462",
"Securities": "-0.533",
"Cash and Cash Equivalents": "-0.813",
"Other Assets": "-3.56",
"Loans": "7.20",
"Other Liabilities": "1.43",
"Debt": "3.10",
"Deposits": "-6.61",
"Expenses": "3.65",
"Revenues": "-2.73",
"Net Income": "0.717",
"Selling and Marketing Expense": "0.498",
"Operating Expenses": "1.96",
"Labor and Related Expense": "0.559",
"Other Revenues": "-2.73",
"Comprehensive Net Income": "0.723",
"Economic Capital Ratio": "-1.17"
},
"2018": {
"Other Assets": "-2.89",
"Assets": "1.06",
"Liabilities": "-2.08",
"Stockholders Equity": "-0.801",
"ECR before LimitedLiability": "-0.674",
"Notes Receivable": "-1.06",
"Cash and Cash Equivalents": "-0.647",
"Loans": "7.46",
"Deposits": "-6.85",
"Other Liabilities": "2.05",
"Debt": "2.65",
"Expenses": "3.53",
"Revenues": "-2.21",
"Net Income": "0.657",
"Labor and Related Expense": "0.484",
"Other Expenses": "0.682",
"Selling and Marketing Expense": "0.498",
"Operating Expenses": "1.17",
"Other Revenues": "-2.21",
"Comprehensive Net Income": "0.711",
"Economic Capital Ratio": "-0.944"
},
"2019": {
"Other Assets": "-2.32",
"Assets": "0.579",
"Economic Capital Ratio": "-0.385",
"Cash and Cash Equivalents": "-1.25",
"Notes Receivable": "-1.97",
"Loans": "7.79",
"Securities": "-0.423",
"Liabilities": "-0.917",
"Deposits": "-8.61",
"Debt": "4.04",
"Other Liabilities": "3.39",
"General and Administrative Expense": "0.345",
"Expenses": "1.56",
"Net Income": "0.587",
"Operating Expenses": "0.579",
"Selling and Marketing Expense": "0.625",
"Labor and Related Expense": "-0.373",
"Other Revenues": "-1.79",
"Revenues": "-1.79",
"Comprehensive Net Income": "0.368",
"Other Net Income": "0.930"
},
"2020": {
"Notes Receivable": "-4.53",
"Assets": "1.24",
"Liabilities": "-2.96",
"Expenses": "4.10",
"Stockholders Equity": "-1.48",
"ECR before LimitedLiability": "-2.45",
"Other Assets": "-3.69",
"Loans": "9.51",
"Cash and Cash Equivalents": "-1.88",
"Other Liabilities": "5.79",
"Deposits": "-12.7",
"Debt": "3.31",
"General and Administrative Expense": "0.470",
"Selling and Marketing Expense": "0.605",
"Operating Expenses": "1.08",
"Labor and Related Expense": "0.767",
"Other Expenses": "0.439",
"Other Revenues": "-2.94",
"Revenues": "-2.94",
"Economic Capital Ratio": "-2.79",
"Other Net Income": "-0.759"
},
"2021": {
"Assets": "1.32",
"Liabilities": "-2.97",
"Stockholders Equity": "-1.40",
"ECR before LimitedLiability": "-3.12",
"Loans": "-10.1",
"Other Assets": "-1.84",
"Notes Receivable": "13.6",
"Cash and Cash Equivalents": "-2.14",
"Other Liabilities": "6.71",
"Deposits": "-14.4",
"Debt": "3.32",
"Selling and Marketing Expense": "0.621",
"Expenses": "4.02",
"Revenues": "-3.43",
"Net Income": "-0.532",
"Operating Expenses": "0.964",
"Labor and Related Expense": "0.950",
"General and Administrative Expense": "0.629",
"Other Revenues": "-3.43",
"Other Net Income": "-0.545",
"Economic Capital Ratio": "-3.56"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001178970_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "144,297",
"Debt": "0",
"Deposits": "6,553,629",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "106,141",
"Loans": "6,941,603",
"Notes Receivable": "0",
"Occupancy": "24,853",
"Operating Expenses": "0",
"Other Assets": "2,414,565",
"Other Compr. Net Income": "-37,831",
"Other Expenses": "49,099",
"Other Liabilities": "1,695,055",
"Other Net Income": "253,167",
"Other Revenues": "55,393",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "3,685"
},
"output_variables": {
"Assets": "9,500,465",
"Liabilities": "8,248,684",
"Expenses": "183,778",
"Revenues": "55,393",
"Stockholders Equity": "1,251,781",
"Net Income": "124,782",
"Comprehensive Net Income": "86,951",
"BaseVar": "9,139,659",
"ECR before LimitedLiability": "8.0%",
"Economic Capital Ratio": "15%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "190,834",
"Debt": "0",
"Deposits": "6,714,166",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "7,265,523",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "2,388,917",
"Other Compr. Net Income": "-2,673",
"Other Expenses": "46,528",
"Other Liabilities": "1,832,447",
"Other Net Income": "140,477",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "9,845,274",
"Liabilities": "8,546,613",
"Expenses": "46,528",
"Revenues": "0",
"Stockholders Equity": "1,298,661",
"Net Income": "93,949",
"Comprehensive Net Income": "91,276",
"BaseVar": "9,290,782",
"ECR before LimitedLiability": "8.1%",
"Economic Capital Ratio": "15%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "142,661",
"Debt": "0",
"Deposits": "6,830,122",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "7,195,026",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "2,388,082",
"Other Compr. Net Income": "-4,687",
"Other Expenses": "25,530",
"Other Liabilities": "1,536,667",
"Other Net Income": "143,917",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "9,725,769",
"Liabilities": "8,366,789",
"Expenses": "25,530",
"Revenues": "0",
"Stockholders Equity": "1,358,980",
"Net Income": "118,387",
"Comprehensive Net Income": "113,700",
"BaseVar": "9,133,346",
"ECR before LimitedLiability": "8.8%",
"Economic Capital Ratio": "16%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "7,102,609",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "116,849",
"Loans": "7,277,360",
"Notes Receivable": "0",
"Occupancy": "25,895",
"Operating Expenses": "0",
"Other Assets": "2,531,218",
"Other Compr. Net Income": "-18,298",
"Other Expenses": "54,720",
"Other Liabilities": "1,292,129",
"Other Net Income": "284,873",
"Other Revenues": "63,794",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "4,115"
},
"output_variables": {
"Assets": "9,808,578",
"Liabilities": "8,394,738",
"Expenses": "201,579",
"Revenues": "63,794",
"Stockholders Equity": "1,413,840",
"Net Income": "147,088",
"Comprehensive Net Income": "128,790",
"BaseVar": "9,385,930",
"ECR before LimitedLiability": "9.2%",
"Economic Capital Ratio": "16%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "9,837,829",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "9,721,424",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "3,198,317",
"Other Compr. Net Income": "13,834",
"Other Expenses": "30,603",
"Other Liabilities": "1,462,115",
"Other Net Income": "127,554",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "12,919,741",
"Liabilities": "11,299,944",
"Expenses": "30,603",
"Revenues": "0",
"Stockholders Equity": "1,619,797",
"Net Income": "96,951",
"Comprehensive Net Income": "110,785",
"BaseVar": "12,195,838",
"ECR before LimitedLiability": "7.6%",
"Economic Capital Ratio": "15%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "11,234,012",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "9,500,884",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "4,280,318",
"Other Compr. Net Income": "-10,792",
"Other Expenses": "59,197",
"Other Liabilities": "850,094",
"Other Net Income": "227,118",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "13,781,202",
"Liabilities": "12,084,106",
"Expenses": "59,197",
"Revenues": "0",
"Stockholders Equity": "1,697,096",
"Net Income": "167,921",
"Comprehensive Net Income": "157,129",
"BaseVar": "13,081,208",
"ECR before LimitedLiability": "7.8%",
"Economic Capital Ratio": "15%"
}
}
},
"top_rated": false,
"trend": -13.0,
"value": 0.1517498100451786,
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The greatest strength of Capitol Federal Financial Inc compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 10% points.The greatest weakness of Capitol Federal Financial Inc 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 15%, being 3.6% points below the market average of 19%.",
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"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 11% points.The greatest weakness of Magyar 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 3.7% points below the market average of 19%.",
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{
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The greatest strength of Ponce Financial Group Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Ponce Financial Group Inc is the variable Deposits, reducing the Economic Capital Ratio by 9.1% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 3.7% points below the market average of 19%.",
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{
"company_id": "0001436425",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001436425.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001436425.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001436425.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001436425_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001436425_main_keyfigs.svg",
"name": "HOME Bancorp INC",
"rank": 51,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 Notes Receivable, increasing the Economic Capital Ratio by 12% points.The greatest weakness of HOME 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 15%, being 3.7% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001436425_2022_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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"Expenses": "0.708",
"Operating Expenses": "0.591",
"Selling and Marketing Expense": "0.615",
"Labor and Related Expense": "-0.795",
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"Revenues": "-2.23",
"Economic Capital Ratio": "-0.701",
"Other Net Income": "1.72"
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"Liabilities": "-2.15",
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"Deposits": "-18.2",
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"Labor and Related Expense": "-0.394",
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"Notes Receivable": "14.5",
"Other Assets": "-3.94",
"Loans": "-11.5",
"Cash and Cash Equivalents": "-1.94",
"Securities": "-0.352",
"Other Net Income": "0.992",
"Economic Capital Ratio": "-2.92"
},
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"Assets": "0.334",
"Liabilities": "-2.23",
"Stockholders Equity": "-1.69",
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"Loans": "-10.3",
"Notes Receivable": "11.8",
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"Other Liabilities": "6.72",
"Deposits": "-16.7",
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"Selling and Marketing Expense": "0.589",
"Expenses": "2.09",
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"Net Income": "-0.515",
"Operating Expenses": "0.995",
"General and Administrative Expense": "0.649",
"Other Revenues": "-3.46",
"Comprehensive Net Income": "-0.502",
"Other Net Income": "1.21",
"Economic Capital Ratio": "-3.70"
}
},
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"table_records": {
"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%"
}
},
"2020": {
"input_variables": {
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"Debt": "0",
"Deposits": "2,213,821",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "37,935",
"Loans": "0",
"Notes Receivable": "1,946,991",
"Occupancy": "6,794",
"Operating Expenses": "0",
"Other Assets": "644,859",
"Other Compr. Net Income": "4,582",
"Other Expenses": "22,310",
"Other Liabilities": "56,187",
"Other Net Income": "83,280",
"Other Revenues": "994",
"Professional Fees": "852",
"Securities": "0",
"Selling and Marketing Expense": "1,132"
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"output_variables": {
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"Liabilities": "2,270,008",
"Expenses": "69,023",
"Revenues": "994",
"Stockholders Equity": "321,842",
"Net Income": "15,251",
"Comprehensive Net Income": "19,833",
"BaseVar": "2,509,868",
"ECR before LimitedLiability": "7.4%",
"Economic Capital Ratio": "15%"
}
},
"2021": {
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"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "39,151",
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"Operating Expenses": "0",
"Other Assets": "1,119,240",
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"Other Expenses": "29,630",
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"Other Net Income": "114,181",
"Other Revenues": "2,603",
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"Selling and Marketing Expense": "1,871"
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"Revenues": "2,603",
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{
"company_id": "0001544190",
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"name": "Shepherd s Finance LLC",
"rank": 52,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001544190.svg",
"report_text": "The relative strengths and weaknesses of Shepherd s Finance 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 Shepherd s Finance LLC compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Shepherd s Finance LLC is the variable Other Liabilities, reducing the Economic Capital Ratio by 45% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 3.8% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001544190_2022_Shepherd_s_Finance_LLC.pdf",
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"Net Income": "1.75",
"Selling and Marketing Expense": "-2.94",
"General and Administrative Expense": "1.08",
"Labor and Related Expense": "0.573",
"Other Expenses": "-1.14",
"Operating Expenses": "2.98",
"Other Revenues": "2.19",
"Revenues": "2.19",
"Cash and Cash Equivalents": "0.632",
"Stockholders Equity": "-0.691",
"ECR before LimitedLiability": "0.734",
"Comprehensive Net Income": "1.84",
"Debt": "3.72",
"Other Assets": "15.0",
"Notes Receivable": "-1.31",
"Deposits": "11.4",
"Other Liabilities": "-50.0",
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"Other Net Income": "-1.04",
"Economic Capital Ratio": "-0.533"
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"Assets": "-1.22",
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"Stockholders Equity": "-1.15",
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"Other Net Income": "-0.923",
"Economic Capital Ratio": "-0.232"
},
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"Assets": "-1.13",
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}
},
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{
"company_id": "0001552493",
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"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001552493_main_keyfigs.svg",
"name": "CNH Industrial Capital LLC",
"rank": 53,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 15%, being 3.8% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001552493_2022_CNH_Industrial_Capital_LLC.pdf",
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"ECR before LimitedLiability": "-0.755",
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"Cash and Cash Equivalents": "-1.00",
"Other Assets": "-5.19",
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"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": {
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"Assets": "-1.66",
"Liabilities": "-0.968",
"Stockholders Equity": "-2.65",
"ECR before LimitedLiability": "-2.43",
"Notes Receivable": "-1.23",
"Cash and Cash Equivalents": "-0.876",
"Loans": "5.82",
"Deposits": "10.3",
"Other Liabilities": "-51.0",
"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",
"Loans": "6.04",
"Securities": "-0.488",
"Deposits": "10.1",
"Debt": "4.50",
"Other Liabilities": "-51.5",
"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"
},
"2020": {
"Notes Receivable": "-4.92",
"Assets": "-1.35",
"Liabilities": "-1.58",
"Stockholders Equity": "-2.84",
"ECR before LimitedLiability": "-3.23",
"Other Assets": "-4.35",
"Loans": "7.49",
"Cash and Cash Equivalents": "-0.990",
"Other Liabilities": "-46.8",
"Deposits": "9.64",
"Debt": "3.61",
"Other Revenues": "2.24",
"Revenues": "2.24",
"Economic Capital Ratio": "-3.57",
"Other Net Income": "-1.65",
"General and Administrative Expense": "0.516",
"Selling and Marketing Expense": "0.664",
"Operating Expenses": "-1.29",
"Labor and Related Expense": "0.842",
"Other Expenses": "0.403",
"Interest Expense": "-1.55"
},
"2021": {
"Assets": "-0.777",
"Expenses": "0.612",
"Stockholders Equity": "-2.50",
"ECR before LimitedLiability": "-3.35",
"Loans": "9.46",
"Other Assets": "-4.83",
"Notes Receivable": "-5.57",
"Cash and Cash Equivalents": "-1.12",
"Other Liabilities": "-51.4",
"Liabilities": "-1.87",
"Deposits": "10.4",
"Debt": "3.51",
"Selling and Marketing Expense": "0.657",
"Operating Expenses": "-0.892",
"Labor and Related Expense": "1.01",
"Interest Expense": "-1.04",
"General and Administrative Expense": "0.666",
"Other Revenues": "1.30",
"Revenues": "1.30",
"Economic Capital Ratio": "-3.79",
"Other Net Income": "-1.89"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001552493_strength_weakness.svg",
"table_records": {
"2017": {
"input_variables": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "322,570",
"Interest Payable": "0",
"Labor and Related Expense": "0",
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"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "412,921",
"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": {
"input_variables": {
"Cash and Cash Equivalents": "160,328",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "325,280",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "9,950,926",
"Notes Receivable": "0",
"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",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "12,931,912",
"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": {
"input_variables": {
"Cash and Cash Equivalents": "174,966",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "347,273",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "9,835,274",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "360,402",
"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",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "12,854,087",
"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%"
}
},
"2020": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "279,958",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "8,896,811",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "377,657",
"Other Assets": "3,161,429",
"Other Compr. Net Income": "4,161",
"Other Expenses": "43,512",
"Other Liabilities": "11,190,997",
"Other Net Income": "0",
"Other Revenues": "844,407",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "12,451,169",
"Liabilities": "11,190,997",
"Expenses": "701,127",
"Revenues": "844,407",
"Stockholders Equity": "1,260,172",
"Net Income": "143,280",
"Comprehensive Net Income": "147,441",
"BaseVar": "12,595,930",
"ECR before LimitedLiability": "6.6%",
"Economic Capital Ratio": "14%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "426,917",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "195,778",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "8,951,299",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "293,256",
"Other Assets": "2,809,552",
"Other Compr. Net Income": "8,778",
"Other Expenses": "69,935",
"Other Liabilities": "10,938,368",
"Other Net Income": "0",
"Other Revenues": "789,184",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "12,187,768",
"Liabilities": "10,938,368",
"Expenses": "558,969",
"Revenues": "789,184",
"Stockholders Equity": "1,249,400",
"Net Income": "230,215",
"Comprehensive Net Income": "238,993",
"BaseVar": "12,241,534",
"ECR before LimitedLiability": "7.5%",
"Economic Capital Ratio": "15%"
}
}
},
"top_rated": false,
"trend": 3.0,
"value": 0.1494544732606924,
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0001552493.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0001552493.svg"
},
{
"company_id": "0001447051",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001447051.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001447051.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001447051.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001447051_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001447051_main_keyfigs.svg",
"name": "Territorial Bancorp Inc",
"rank": 54,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001447051.svg",
"report_text": "The relative strengths and weaknesses of Territorial 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 Territorial Bancorp Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 7.4% points.The greatest weakness of Territorial 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 15%, being 3.8% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001447051_2022_Territorial_Bancorp_Inc.pdf",
"shrinked_graph_json": {
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"Liabilities": "-2.81",
"Stockholders Equity": "-0.973",
"ECR before LimitedLiability": "-0.812",
"Other Assets": "-3.71",
"Notes Receivable": "-1.34",
"Loans": "6.86",
"Deposits": "-13.3",
"Other Liabilities": "6.10",
"Debt": "3.69",
"Expenses": "5.13",
"Revenues": "-3.60",
"Net Income": "0.829",
"Selling and Marketing Expense": "0.978",
"General and Administrative Expense": "1.08",
"Labor and Related Expense": "0.576",
"Other Expenses": "-1.25",
"Operating Expenses": "3.02",
"Other Revenues": "-3.60",
"Comprehensive Net Income": "0.909",
"Economic Capital Ratio": "-2.08"
},
"2017": {
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"Assets": "0.932",
"Liabilities": "-2.53",
"Stockholders Equity": "-1.40",
"ECR before LimitedLiability": "-1.25",
"Securities": "-0.557",
"Cash and Cash Equivalents": "-0.973",
"Other Assets": "-3.79",
"Loans": "6.59",
"Other Liabilities": "6.13",
"Debt": "3.19",
"Deposits": "-12.2",
"Expenses": "3.72",
"Revenues": "-2.80",
"Net Income": "0.563",
"Selling and Marketing Expense": "0.516",
"Operating Expenses": "2.03",
"Labor and Related Expense": "0.579",
"Other Revenues": "-2.80",
"Comprehensive Net Income": "0.577",
"Economic Capital Ratio": "-1.96"
},
"2020": {
"Notes Receivable": "-4.60",
"Assets": "1.06",
"Liabilities": "-3.11",
"Expenses": "4.10",
"Stockholders Equity": "-1.81",
"ECR before LimitedLiability": "-2.80",
"Other Assets": "-6.18",
"Loans": "7.37",
"Cash and Cash Equivalents": "5.29",
"Other Liabilities": "6.24",
"Deposits": "-14.0",
"Debt": "3.36",
"General and Administrative Expense": "0.478",
"Selling and Marketing Expense": "0.615",
"Operating Expenses": "1.10",
"Labor and Related Expense": "0.780",
"Other Expenses": "0.381",
"Other Revenues": "-2.98",
"Revenues": "-2.98",
"Economic Capital Ratio": "-3.13",
"Other Net Income": "-0.609"
},
"2021": {
"Assets": "1.40",
"Liabilities": "-3.16",
"Stockholders Equity": "-1.51",
"ECR before LimitedLiability": "-3.38",
"Loans": "7.35",
"Other Assets": "-0.798",
"Notes Receivable": "-5.34",
"Other Liabilities": "5.61",
"Deposits": "-12.7",
"Debt": "3.34",
"Selling and Marketing Expense": "0.627",
"Expenses": "4.18",
"Revenues": "-3.45",
"Net Income": "-0.846",
"Operating Expenses": "0.972",
"Labor and Related Expense": "0.959",
"General and Administrative Expense": "0.635",
"Other Revenues": "-3.45",
"Comprehensive Net Income": "-0.602",
"Other Net Income": "-0.959",
"Economic Capital Ratio": "-3.82"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001447051_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
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"Debt": "0",
"Deposits": "1,493,200",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "1,335,987",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "480,302",
"Other Compr. Net Income": "-80",
"Other Expenses": "10,787",
"Other Liabilities": "154,576",
"Other Net Income": "27,134",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,877,562",
"Liabilities": "1,647,776",
"Expenses": "10,787",
"Revenues": "0",
"Stockholders Equity": "229,786",
"Net Income": "16,347",
"Comprehensive Net Income": "16,267",
"BaseVar": "1,781,670",
"ECR before LimitedLiability": "7.4%",
"Economic Capital Ratio": "15%"
}
},
"2017": {
"input_variables": {
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"Debt": "0",
"Deposits": "1,597,295",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "1,488,971",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "482,786",
"Other Compr. Net Income": "-378",
"Other Expenses": "11,102",
"Other Liabilities": "171,697",
"Other Net Income": "26,064",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "1,768,992",
"Expenses": "11,102",
"Revenues": "0",
"Stockholders Equity": "234,854",
"Net Income": "14,962",
"Comprehensive Net Income": "14,584",
"BaseVar": "1,905,191",
"ECR before LimitedLiability": "7.0%",
"Economic Capital Ratio": "15%"
}
},
"2020": {
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"Deposits": "1,659,800",
"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": "340,261",
"Other Compr. Net Income": "-1,023",
"Other Expenses": "6,715",
"Other Liabilities": "202,291",
"Other Net Income": "25,320",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "1,862,091",
"Expenses": "6,715",
"Revenues": "0",
"Stockholders Equity": "248,708",
"Net Income": "18,605",
"Comprehensive Net Income": "17,582",
"BaseVar": "2,002,974",
"ECR before LimitedLiability": "7.1%",
"Economic Capital Ratio": "15%"
}
},
"2021": {
"input_variables": {
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"Debt": "0",
"Deposits": "1,681,828",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "1,302,824",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "727,919",
"Other Compr. Net Income": "3,167",
"Other Expenses": "6,373",
"Other Liabilities": "192,452",
"Other Net Income": "23,803",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "1,874,280",
"Expenses": "6,373",
"Revenues": "0",
"Stockholders Equity": "256,322",
"Net Income": "17,430",
"Comprehensive Net Income": "20,597",
"BaseVar": "2,019,112",
"ECR before LimitedLiability": "7.4%",
"Economic Capital Ratio": "15%"
}
}
},
"top_rated": false,
"trend": -13.0,
"value": 0.1491492012277894,
"company_index": "https://www.realrate-archive.com/us_savings/2021/industry_indexes/0001447051.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0001447051.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0001447051.svg"
},
{
"company_id": "0001530249",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001530249.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001530249.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001530249.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001530249_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001530249_main_keyfigs.svg",
"name": "FS Bancorp Inc",
"rank": 55,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 14% points.The greatest weakness of FS 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 3.9% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001530249_2022_FS_Bancorp_Inc.pdf",
"shrinked_graph_json": {
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"Liabilities": "-3.30",
"Stockholders Equity": "-2.03",
"ECR before LimitedLiability": "-1.61",
"Other Assets": "13.5",
"Notes Receivable": "-1.41",
"Loans": "-13.7",
"Deposits": "-16.5",
"Other Liabilities": "5.80",
"Debt": "3.81",
"Expenses": "5.27",
"Revenues": "-3.71",
"Net Income": "1.19",
"Selling and Marketing Expense": "1.02",
"General and Administrative Expense": "1.13",
"Labor and Related Expense": "0.600",
"Other Expenses": "-1.37",
"Operating Expenses": "3.15",
"Other Revenues": "-3.71",
"Comprehensive Net Income": "1.22",
"Economic Capital Ratio": "-2.88"
},
"2017": {
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"Assets": "0.849",
"Liabilities": "-2.16",
"Stockholders Equity": "-1.10",
"Economic Capital Ratio": "-1.08",
"Securities": "-0.532",
"Cash and Cash Equivalents": "-1.46",
"Other Assets": "15.2",
"Loans": "-14.3",
"Other Liabilities": "7.06",
"Debt": "3.11",
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"Expenses": "3.48",
"Revenues": "-2.73",
"Net Income": "1.10",
"Selling and Marketing Expense": "0.498",
"Operating Expenses": "1.96",
"Labor and Related Expense": "0.559",
"Other Revenues": "-2.73",
"Comprehensive Net Income": "1.14",
"Other Net Income": "0.744"
},
"2018": {
"Other Assets": "14.7",
"Assets": "-0.675",
"Liabilities": "-1.64",
"Stockholders Equity": "-2.19",
"ECR before LimitedLiability": "-1.68",
"Notes Receivable": "-1.15",
"Cash and Cash Equivalents": "-1.24",
"Loans": "-15.7",
"Deposits": "-9.47",
"Other Liabilities": "5.10",
"Debt": "2.84",
"Expenses": "1.16",
"Revenues": "-2.20",
"Net Income": "0.896",
"Labor and Related Expense": "-0.870",
"Other Expenses": "0.490",
"Operating Expenses": "1.27",
"Other Revenues": "-2.20",
"Comprehensive Net Income": "0.946",
"Other Net Income": "2.15",
"Economic Capital Ratio": "-1.95"
},
"2019": {
"Other Assets": "-4.61",
"Assets": "-0.576",
"Liabilities": "-0.920",
"Stockholders Equity": "-1.45",
"ECR before LimitedLiability": "-1.23",
"Cash and Cash Equivalents": "-0.422",
"Notes Receivable": "15.1",
"Loans": "-15.1",
"Securities": "-0.456",
"Deposits": "-12.2",
"Debt": "4.27",
"Other Liabilities": "6.70",
"Other Revenues": "-2.06",
"Revenues": "-2.06",
"Net Income": "0.445",
"General and Administrative Expense": "0.367",
"Comprehensive Net Income": "0.474",
"Operating Expenses": "0.617",
"Labor and Related Expense": "-0.967",
"Other Net Income": "2.58",
"Economic Capital Ratio": "-1.42"
},
"2020": {
"Notes Receivable": "14.5",
"Assets": "-0.599",
"Liabilities": "-1.93",
"Stockholders Equity": "-2.36",
"ECR before LimitedLiability": "-2.30",
"Other Assets": "-4.77",
"Loans": "-11.6",
"Cash and Cash Equivalents": "-0.498",
"Other Liabilities": "6.74",
"Deposits": "-13.0",
"Debt": "3.43",
"Expenses": "1.22",
"Revenues": "-2.93",
"Net Income": "0.698",
"General and Administrative Expense": "0.487",
"Operating Expenses": "1.12",
"Labor and Related Expense": "-0.629",
"Other Revenues": "-2.93",
"Comprehensive Net Income": "0.790",
"Other Net Income": "2.76",
"Economic Capital Ratio": "-2.64"
},
"2021": {
"Securities": "-0.334",
"Assets": "-0.346",
"Liabilities": "-2.07",
"Stockholders Equity": "-2.23",
"ECR before LimitedLiability": "-3.44",
"Loans": "-10.5",
"Other Assets": "-4.68",
"Notes Receivable": "14.1",
"Cash and Cash Equivalents": "-1.88",
"Other Liabilities": "6.43",
"Deposits": "-14.1",
"Debt": "3.49",
"Expenses": "1.24",
"Revenues": "-3.43",
"Net Income": "-0.275",
"Operating Expenses": "1.02",
"Labor and Related Expense": "-0.745",
"General and Administrative Expense": "0.663",
"Other Revenues": "-3.43",
"Other Net Income": "2.30",
"Economic Capital Ratio": "-3.88"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001530249_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "36,456",
"Debt": "0",
"Deposits": "712,593",
"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": "791,470",
"Other Compr. Net Income": "-614",
"Other Expenses": "5,604",
"Other Liabilities": "34,300",
"Other Net Income": "16,103",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "827,926",
"Liabilities": "746,893",
"Expenses": "5,604",
"Revenues": "0",
"Stockholders Equity": "81,033",
"Net Income": "10,499",
"Comprehensive Net Income": "9,885",
"BaseVar": "798,570",
"ECR before LimitedLiability": "6.4%",
"Economic Capital Ratio": "14%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "829,842",
"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": "981,783",
"Other Compr. Net Income": "145",
"Other Expenses": "6,494",
"Other Liabilities": "29,939",
"Other Net Income": "20,579",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "981,783",
"Liabilities": "859,781",
"Expenses": "6,494",
"Revenues": "0",
"Stockholders Equity": "122,002",
"Net Income": "14,085",
"Comprehensive Net Income": "14,230",
"BaseVar": "934,391",
"ECR before LimitedLiability": "8.2%",
"Economic Capital Ratio": "15%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "1,274,219",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "28,538",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "3,042",
"Operating Expenses": "0",
"Other Assets": "1,621,644",
"Other Compr. Net Income": "-1,004",
"Other Expenses": "9,352",
"Other Liabilities": "167,387",
"Other Net Income": "73,762",
"Other Revenues": "3,646",
"Professional Fees": "4,673",
"Securities": "0",
"Selling and Marketing Expense": "7,456"
},
"output_variables": {
"Assets": "1,621,644",
"Liabilities": "1,441,606",
"Expenses": "53,061",
"Revenues": "3,646",
"Stockholders Equity": "180,038",
"Net Income": "24,347",
"Comprehensive Net Income": "23,343",
"BaseVar": "1,597,362",
"ECR before LimitedLiability": "7.4%",
"Economic Capital Ratio": "15%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "45,778",
"Debt": "0",
"Deposits": "1,392,408",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "33,816",
"Loans": "0",
"Notes Receivable": "1,336,346",
"Occupancy": "4,640",
"Operating Expenses": "0",
"Other Assets": "330,932",
"Other Compr. Net Income": "2,267",
"Other Expenses": "13,226",
"Other Liabilities": "120,406",
"Other Net Income": "83,037",
"Other Revenues": "7,426",
"Professional Fees": "5,664",
"Securities": "0",
"Selling and Marketing Expense": "10,400"
},
"output_variables": {
"Assets": "1,713,056",
"Liabilities": "1,512,814",
"Expenses": "67,746",
"Revenues": "7,426",
"Stockholders Equity": "200,242",
"Net Income": "22,717",
"Comprehensive Net Income": "24,984",
"BaseVar": "1,693,173",
"ECR before LimitedLiability": "7.8%",
"Economic Capital Ratio": "15%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "91,576",
"Debt": "0",
"Deposits": "1,674,071",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "38,095",
"Loans": "0",
"Notes Receivable": "1,544,981",
"Occupancy": "4,736",
"Operating Expenses": "0",
"Other Assets": "476,684",
"Other Compr. Net Income": "1,745",
"Other Expenses": "18,484",
"Other Liabilities": "209,163",
"Other Net Income": "113,200",
"Other Revenues": "3,243",
"Professional Fees": "4,863",
"Securities": "0",
"Selling and Marketing Expense": "11,001"
},
"output_variables": {
"Assets": "2,113,241",
"Liabilities": "1,883,234",
"Expenses": "77,179",
"Revenues": "3,243",
"Stockholders Equity": "230,007",
"Net Income": "39,264",
"Comprehensive Net Income": "41,009",
"BaseVar": "2,095,921",
"ECR before LimitedLiability": "7.8%",
"Economic Capital Ratio": "15%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "26,491",
"Debt": "0",
"Deposits": "1,915,744",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "49,721",
"Loans": "0",
"Notes Receivable": "1,728,540",
"Occupancy": "4,892",
"Operating Expenses": "0",
"Other Assets": "531,360",
"Other Compr. Net Income": "-2,281",
"Other Expenses": "14,236",
"Other Liabilities": "123,140",
"Other Net Income": "118,447",
"Other Revenues": "5,215",
"Professional Fees": "5,976",
"Securities": "0",
"Selling and Marketing Expense": "11,425"
},
"output_variables": {
"Assets": "2,286,391",
"Liabilities": "2,038,884",
"Expenses": "86,250",
"Revenues": "5,215",
"Stockholders Equity": "247,507",
"Net Income": "37,412",
"Comprehensive Net Income": "35,131",
"BaseVar": "2,268,734",
"ECR before LimitedLiability": "7.3%",
"Economic Capital Ratio": "15%"
}
}
},
"top_rated": false,
"trend": -23.0,
"value": 0.1485307293732661,
"company_index": "https://www.realrate-archive.com/us_savings/2021/industry_indexes/0001530249.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0001530249.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0001530249.svg"
},
{
"company_id": "0000027673",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0000027673.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0000027673.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0000027673.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000027673_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0000027673_main_keyfigs.svg",
"name": "Deere JOHN Capital CORP",
"rank": 56,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 Loans, increasing the Economic Capital Ratio by 12% 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 15%, being 3.9% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0000027673_2022_Deere_JOHN_Capital_CORP.pdf",
"shrinked_graph_json": {
"2016": {
"Assets": "-0.525",
"Liabilities": "-1.57",
"Stockholders Equity": "-1.98",
"ECR before LimitedLiability": "-1.49",
"Securities": "-0.543",
"Other Assets": "-7.07",
"Notes Receivable": "-1.46",
"Loans": "7.51",
"Deposits": "9.86",
"Other Liabilities": "-50.3",
"Debt": "3.98",
"Expenses": "1.26",
"Revenues": "0.888",
"Net Income": "0.968",
"General and Administrative Expense": "1.18",
"Labor and Related Expense": "0.624",
"Interest Expense": "-0.840",
"Other Revenues": "0.888",
"Comprehensive Net Income": "1.01",
"Other Net Income": "-1.12",
"Economic Capital Ratio": "-2.76"
},
"2017": {
"Notes Receivable": "-1.37",
"Assets": "-1.24",
"Liabilities": "-1.01",
"Stockholders Equity": "-2.24",
"ECR before LimitedLiability": "-1.57",
"Securities": "-0.596",
"Other Assets": "-6.59",
"Loans": "6.83",
"Other Liabilities": "-49.5",
"Debt": "3.41",
"Deposits": "10.1",
"Other Revenues": "2.13",
"Revenues": "2.13",
"Net Income": "0.726",
"Comprehensive Net Income": "0.826",
"Other Expenses": "0.647",
"Operating Expenses": "-0.737",
"Labor and Related Expense": "0.619",
"Other Net Income": "-0.981",
"Interest Expense": "-1.06",
"Economic Capital Ratio": "-2.27"
},
"2018": {
"Other Assets": "-5.59",
"Assets": "-1.28",
"Liabilities": "-1.11",
"Stockholders Equity": "-2.38",
"ECR before LimitedLiability": "-1.29",
"Notes Receivable": "-1.15",
"Cash and Cash Equivalents": "-0.684",
"Loans": "7.09",
"Deposits": "11.0",
"Other Liabilities": "-52.1",
"Debt": "2.85",
"Other Revenues": "2.98",
"Revenues": "2.98",
"Net Income": "1.38",
"Comprehensive Net Income": "1.46",
"Interest Expense": "-1.36",
"Labor and Related Expense": "0.523",
"Other Expenses": "2.35",
"Other Net Income": "-1.53",
"Operating Expenses": "-1.26",
"Economic Capital Ratio": "-1.56"
},
"2019": {
"Other Assets": "-5.73",
"Assets": "-1.60",
"Liabilities": "-0.512",
"Stockholders Equity": "-2.19",
"ECR before LimitedLiability": "-2.23",
"Cash and Cash Equivalents": "-0.884",
"Notes Receivable": "-2.26",
"Loans": "6.57",
"Securities": "-0.489",
"Deposits": "10.0",
"Debt": "4.52",
"Other Liabilities": "-51.0",
"Expenses": "-1.51",
"Other Expenses": "1.69",
"Operating Expenses": "-2.10",
"Labor and Related Expense": "0.622",
"Interest Expense": "-1.78",
"Other Revenues": "3.54",
"Revenues": "3.54",
"Economic Capital Ratio": "-2.42",
"Other Net Income": "-1.44"
},
"2020": {
"Notes Receivable": "-4.90",
"Assets": "-1.33",
"Liabilities": "-1.42",
"Expenses": "-0.459",
"Stockholders Equity": "-2.69",
"ECR before LimitedLiability": "-3.14",
"Other Assets": "-6.74",
"Loans": "10.1",
"Cash and Cash Equivalents": "-1.51",
"Other Liabilities": "-46.5",
"Deposits": "9.72",
"Debt": "3.61",
"General and Administrative Expense": "0.515",
"Operating Expenses": "-1.78",
"Labor and Related Expense": "0.840",
"Other Expenses": "1.40",
"Interest Expense": "-1.22",
"Other Revenues": "2.32",
"Revenues": "2.32",
"Economic Capital Ratio": "-3.48",
"Other Net Income": "-1.64"
},
"2021": {
"Assets": "-0.697",
"Expenses": "0.609",
"Stockholders Equity": "-2.42",
"ECR before LimitedLiability": "-3.46",
"Loans": "12.3",
"Other Assets": "-7.26",
"Notes Receivable": "-5.59",
"Cash and Cash Equivalents": "-1.77",
"Other Liabilities": "-51.2",
"Liabilities": "-1.87",
"Deposits": "10.3",
"Debt": "3.52",
"Other Expenses": "0.916",
"Operating Expenses": "-1.37",
"Labor and Related Expense": "1.01",
"Interest Expense": "-0.649",
"General and Administrative Expense": "0.668",
"Other Revenues": "1.11",
"Revenues": "1.11",
"Economic Capital Ratio": "-3.89",
"Other Net Income": "-1.89"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0000027673_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "1,089,600",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "422,100",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "27,602,800",
"Notes Receivable": "0",
"Occupancy": "0",
"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"
},
"output_variables": {
"Assets": "34,067,800",
"Liabilities": "30,482,100",
"Expenses": "1,754,300",
"Revenues": "2,094,200",
"Stockholders Equity": "3,585,700",
"Net Income": "341,500",
"Comprehensive Net Income": "320,900",
"BaseVar": "34,210,300",
"ECR before LimitedLiability": "6.5%",
"Economic Capital Ratio": "14%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "1,055,500",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "521,100",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "28,281,900",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "1,207,100",
"Other Assets": "5,665,400",
"Other Compr. Net Income": "27,900",
"Other Expenses": "-251,000",
"Other Liabilities": "31,345,600",
"Other Net Income": "1,200",
"Other Revenues": "2,227,000",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "422,500"
},
"output_variables": {
"Assets": "35,002,800",
"Liabilities": "31,345,600",
"Expenses": "1,899,700",
"Revenues": "2,227,000",
"Stockholders Equity": "3,657,200",
"Net Income": "328,500",
"Comprehensive Net Income": "356,400",
"BaseVar": "35,252,100",
"ECR before LimitedLiability": "6.6%",
"Economic Capital Ratio": "14%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "608,400",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "737,200",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "30,540,000",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "1,215,100",
"Other Assets": "6,517,100",
"Other Compr. Net Income": "-11,400",
"Other Expenses": "-619,300",
"Other Liabilities": "33,595,500",
"Other Net Income": "1,900",
"Other Revenues": "2,532,200",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "402,100"
},
"output_variables": {
"Assets": "37,665,500",
"Liabilities": "33,595,500",
"Expenses": "1,735,100",
"Revenues": "2,532,200",
"Stockholders Equity": "4,070,000",
"Net Income": "799,000",
"Comprehensive Net Income": "787,600",
"BaseVar": "37,770,800",
"ECR before LimitedLiability": "7.9%",
"Economic Capital Ratio": "15%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "632,600",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "987,800",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "32,720,900",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "1,389,500",
"Other Assets": "6,733,200",
"Other Compr. Net Income": "-31,600",
"Other Expenses": "-437,500",
"Other Liabilities": "35,961,500",
"Other Net Income": "1,800",
"Other Revenues": "2,890,300",
"Professional Fees": "0",
"Securities": "3,200",
"Selling and Marketing Expense": "533,000"
},
"output_variables": {
"Assets": "40,089,900",
"Liabilities": "35,961,500",
"Expenses": "2,472,800",
"Revenues": "2,890,300",
"Stockholders Equity": "4,128,400",
"Net Income": "419,300",
"Comprehensive Net Income": "387,700",
"BaseVar": "40,723,950",
"ECR before LimitedLiability": "6.4%",
"Economic Capital Ratio": "14%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "674,600",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "743,900",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "33,428,200",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "1,506,700",
"Other Assets": "6,752,200",
"Other Compr. Net Income": "19,500",
"Other Expenses": "-336,500",
"Other Liabilities": "36,559,000",
"Other Net Income": "2,200",
"Other Revenues": "2,807,600",
"Professional Fees": "0",
"Securities": "2,200",
"Selling and Marketing Expense": "470,600"
},
"output_variables": {
"Assets": "40,857,200",
"Liabilities": "36,559,000",
"Expenses": "2,384,700",
"Revenues": "2,807,600",
"Stockholders Equity": "4,298,200",
"Net Income": "425,100",
"Comprehensive Net Income": "444,600",
"BaseVar": "41,315,100",
"ECR before LimitedLiability": "6.7%",
"Economic Capital Ratio": "14%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "677,000",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "472,900",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "36,540,600",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "1,306,800",
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"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0000916907.svg",
"report_text": "The relative strengths and weaknesses of Southern Missouri 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 Southern Missouri Bancorp INC compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 15% points.The greatest weakness of Southern Missouri 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 15%, being 3.9% points below the market average of 19%.",
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{
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"name": "LAKE Shore Bancorp INC",
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"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001341318.svg",
"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 9.6% points.The greatest weakness of LAKE Shore 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 3.9% points below the market average of 19%.",
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"name": "Heritage Financial CORP WA",
"rank": 59,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001046025.svg",
"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 Notes Receivable, increasing the Economic Capital Ratio by 8.9% points.The greatest weakness of Heritage Financial CORP WA 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 3.9% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001046025_2022_Heritage_Financial_CORP_WA.pdf",
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"Liabilities": "-2.80",
"Stockholders Equity": "-0.890",
"ECR before LimitedLiability": "-0.731",
"Other Assets": "-2.32",
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"Loans": "6.63",
"Deposits": "-15.8",
"Other Liabilities": "6.58",
"Debt": "3.68",
"Expenses": "5.33",
"Revenues": "-3.58",
"Net Income": "0.937",
"Selling and Marketing Expense": "0.974",
"General and Administrative Expense": "1.08",
"Labor and Related Expense": "0.574",
"Other Expenses": "-1.08",
"Operating Expenses": "3.00",
"Other Revenues": "-3.58",
"Comprehensive Net Income": "0.910",
"Economic Capital Ratio": "-2.00"
},
"2017": {
"Notes Receivable": "-1.25",
"Assets": "1.02",
"Liabilities": "-2.34",
"Stockholders Equity": "-1.12",
"ECR before LimitedLiability": "-0.719",
"Securities": "-0.540",
"Cash and Cash Equivalents": "-0.630",
"Other Assets": "-2.19",
"Loans": "6.68",
"Other Liabilities": "6.69",
"Debt": "3.13",
"Deposits": "-14.2",
"Expenses": "3.72",
"Revenues": "-2.75",
"Net Income": "0.772",
"Selling and Marketing Expense": "0.503",
"Operating Expenses": "1.98",
"Labor and Related Expense": "0.565",
"Other Revenues": "-2.75",
"Comprehensive Net Income": "0.832",
"Economic Capital Ratio": "-1.42"
},
"2018": {
"Other Assets": "-1.53",
"Assets": "1.19",
"Liabilities": "-2.05",
"Stockholders Equity": "-0.658",
"ECR before LimitedLiability": "-0.754",
"Notes Receivable": "-1.06",
"Loans": "5.28",
"Deposits": "-14.4",
"Other Liabilities": "7.38",
"Debt": "2.66",
"Expenses": "3.59",
"Revenues": "-2.21",
"Net Income": "0.486",
"Labor and Related Expense": "0.485",
"Other Expenses": "0.727",
"Selling and Marketing Expense": "0.499",
"Operating Expenses": "1.17",
"Other Revenues": "-2.21",
"Comprehensive Net Income": "0.488",
"Other Net Income": "-0.528",
"Economic Capital Ratio": "-1.02"
},
"2019": {
"Other Assets": "-1.19",
"Assets": "1.32",
"Economic Capital Ratio": "-0.146",
"Notes Receivable": "-1.91",
"Loans": "5.87",
"Securities": "-0.410",
"Liabilities": "-1.56",
"Deposits": "-15.7",
"Debt": "3.92",
"Other Liabilities": "7.98",
"General and Administrative Expense": "0.335",
"Expenses": "3.00",
"Revenues": "-2.20",
"Net Income": "0.374",
"Other Expenses": "0.447",
"Operating Expenses": "0.562",
"Selling and Marketing Expense": "0.639",
"Labor and Related Expense": "0.531",
"Other Revenues": "-2.20",
"Comprehensive Net Income": "0.553",
"Other Net Income": "-0.169",
"Other Compr. Net Income": "0.176"
},
"2020": {
"Notes Receivable": "-4.53",
"Assets": "1.26",
"Liabilities": "-3.03",
"Expenses": "4.23",
"Stockholders Equity": "-1.53",
"ECR before LimitedLiability": "-2.45",
"Other Assets": "-4.40",
"Loans": "7.61",
"Cash and Cash Equivalents": "2.32",
"Other Liabilities": "6.77",
"Deposits": "-18.6",
"Debt": "3.31",
"General and Administrative Expense": "0.470",
"Selling and Marketing Expense": "0.604",
"Operating Expenses": "1.08",
"Labor and Related Expense": "0.766",
"Other Expenses": "0.551",
"Other Revenues": "-2.94",
"Revenues": "-2.94",
"Economic Capital Ratio": "-2.79",
"Other Net Income": "-0.900"
},
"2021": {
"Assets": "1.18",
"Liabilities": "-3.18",
"Stockholders Equity": "-1.75",
"ECR before LimitedLiability": "-3.50",
"Loans": "-10.2",
"Other Assets": "-3.47",
"Notes Receivable": "8.90",
"Cash and Cash Equivalents": "6.40",
"Other Liabilities": "6.45",
"Deposits": "-17.0",
"Debt": "3.36",
"Selling and Marketing Expense": "0.632",
"Expenses": "4.22",
"Revenues": "-3.47",
"Comprehensive Net Income": "-0.499",
"Operating Expenses": "0.981",
"Labor and Related Expense": "0.967",
"General and Administrative Expense": "0.640",
"Other Revenues": "-3.47",
"Other Net Income": "-0.580",
"Economic Capital Ratio": "-3.93"
}
},
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"table_records": {
"2016": {
"input_variables": {
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"Debt": "0",
"Deposits": "3,229,648",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "2,609,666",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "1,165,570",
"Other Compr. Net Income": "-5,165",
"Other Expenses": "13,803",
"Other Liabilities": "167,570",
"Other Net Income": "52,721",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "3,878,981",
"Liabilities": "3,397,218",
"Expenses": "13,803",
"Revenues": "0",
"Stockholders Equity": "481,763",
"Net Income": "38,918",
"Comprehensive Net Income": "33,753",
"BaseVar": "3,673,944",
"ECR before LimitedLiability": "7.5%",
"Economic Capital Ratio": "15%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "103,015",
"Debt": "0",
"Deposits": "3,393,060",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "2,816,985",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "1,193,270",
"Other Compr. Net Income": "1,526",
"Other Expenses": "18,356",
"Other Liabilities": "211,905",
"Other Net Income": "60,147",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "4,113,270",
"Liabilities": "3,604,965",
"Expenses": "18,356",
"Revenues": "0",
"Stockholders Equity": "508,305",
"Net Income": "41,791",
"Comprehensive Net Income": "43,317",
"BaseVar": "3,899,132",
"ECR before LimitedLiability": "7.7%",
"Economic Capital Ratio": "15%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "161,910",
"Debt": "0",
"Deposits": "4,432,402",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "3,619,118",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "1,535,899",
"Other Compr. Net Income": "-6,064",
"Other Expenses": "11,030",
"Other Liabilities": "123,802",
"Other Net Income": "64,087",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "5,316,927",
"Liabilities": "4,556,204",
"Expenses": "11,030",
"Revenues": "0",
"Stockholders Equity": "760,723",
"Net Income": "53,057",
"Comprehensive Net Income": "46,993",
"BaseVar": "4,977,156",
"ECR before LimitedLiability": "8.7%",
"Economic Capital Ratio": "16%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "228,568",
"Debt": "0",
"Deposits": "4,582,676",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "3,731,708",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "1,592,694",
"Other Compr. Net Income": "17,833",
"Other Expenses": "13,488",
"Other Liabilities": "160,983",
"Other Net Income": "81,045",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "5,552,970",
"Liabilities": "4,743,659",
"Expenses": "13,488",
"Revenues": "0",
"Stockholders Equity": "809,311",
"Net Income": "67,557",
"Comprehensive Net Income": "85,390",
"BaseVar": "5,204,498",
"ECR before LimitedLiability": "9.5%",
"Economic Capital Ratio": "16%"
}
},
"2020": {
"input_variables": {
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"Debt": "0",
"Deposits": "5,597,990",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "4,398,462",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "1,473,534",
"Other Compr. Net Income": "14,640",
"Other Expenses": "6,610",
"Other Liabilities": "196,889",
"Other Net Income": "53,180",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "6,615,318",
"Liabilities": "5,794,879",
"Expenses": "6,610",
"Revenues": "0",
"Stockholders Equity": "820,439",
"Net Income": "46,570",
"Comprehensive Net Income": "61,210",
"BaseVar": "6,242,314",
"ECR before LimitedLiability": "7.6%",
"Economic Capital Ratio": "15%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "1,723,292",
"Debt": "0",
"Deposits": "6,381,337",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "3,773,301",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "1,935,819",
"Other Compr. Net Income": "-15,622",
"Other Expenses": "22,472",
"Other Liabilities": "196,643",
"Other Net Income": "120,507",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "7,432,412",
"Liabilities": "6,577,980",
"Expenses": "22,472",
"Revenues": "0",
"Stockholders Equity": "854,432",
"Net Income": "98,035",
"Comprehensive Net Income": "82,413",
"BaseVar": "7,084,496",
"ECR before LimitedLiability": "7.3%",
"Economic Capital Ratio": "15%"
}
}
},
"top_rated": false,
"trend": -24.0,
"value": 0.14798821454429856,
"company_index": "https://www.realrate-archive.com/us_savings/2021/industry_indexes/0001046025.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0001046025.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0001046025.svg"
},
{
"company_id": "0001046050",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001046050.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001046050.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001046050.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001046050_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001046050_main_keyfigs.svg",
"name": "Timberland Bancorp INC",
"rank": 60,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001046050.svg",
"report_text": "The relative strengths and weaknesses of Timberland 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 Timberland Bancorp INC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 8.2% points.The greatest weakness of Timberland Bancorp 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 15%, being 4.0% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001046050_2022_Timberland_Bancorp_INC.pdf",
"shrinked_graph_json": {
"2020": {
"Other Liabilities": "6.80",
"Liabilities": "-2.25",
"Stockholders Equity": "-1.86",
"ECR before LimitedLiability": "-2.60",
"Deposits": "-19.0",
"Debt": "3.42",
"Expenses": "2.10",
"General and Administrative Expense": "0.485",
"Selling and Marketing Expense": "0.624",
"Operating Expenses": "1.03",
"Other Expenses": "-0.321",
"Interest Expense": "0.216",
"Other Revenues": "-2.95",
"Revenues": "-2.95",
"Notes Receivable": "-4.66",
"Other Assets": "11.4",
"Loans": "-11.5",
"Cash and Cash Equivalents": "6.44",
"Securities": "-0.353",
"Economic Capital Ratio": "-2.93",
"Other Net Income": "1.16"
},
"2021": {
"Assets": "0.483",
"Liabilities": "-2.55",
"Stockholders Equity": "-1.85",
"ECR before LimitedLiability": "-3.55",
"Loans": "-10.3",
"Other Assets": "8.16",
"Notes Receivable": "-5.48",
"Cash and Cash Equivalents": "7.30",
"Other Liabilities": "6.52",
"Deposits": "-17.6",
"Debt": "3.43",
"Selling and Marketing Expense": "0.645",
"Expenses": "2.43",
"Revenues": "-3.49",
"Net Income": "-0.728",
"Operating Expenses": "0.915",
"General and Administrative Expense": "0.654",
"Other Revenues": "-3.49",
"Comprehensive Net Income": "-0.596",
"Other Net Income": "0.709",
"Economic Capital Ratio": "-3.99"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001046050_strength_weakness.svg",
"table_records": {
"2020": {
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"Debt": "0",
"Deposits": "1,358,406",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "18,351",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "1,628",
"Other Assets": "1,251,526",
"Other Compr. Net Income": "11",
"Other Expenses": "18,895",
"Other Liabilities": "19,942",
"Other Net Income": "53,531",
"Other Revenues": "1,706",
"Professional Fees": "1,107",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,565,978",
"Liabilities": "1,378,348",
"Expenses": "39,981",
"Revenues": "1,706",
"Stockholders Equity": "187,630",
"Net Income": "15,256",
"Comprehensive Net Income": "15,267",
"BaseVar": "1,519,778",
"ECR before LimitedLiability": "7.4%",
"Economic Capital Ratio": "15%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "580,196",
"Debt": "0",
"Deposits": "1,570,555",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "18,750",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "1,831",
"Other Assets": "1,211,984",
"Other Compr. Net Income": "-2.0",
"Other Expenses": "19,829",
"Other Liabilities": "14,726",
"Other Net Income": "58,469",
"Other Revenues": "1,215",
"Professional Fees": "1,006",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,792,180",
"Liabilities": "1,585,281",
"Expenses": "41,416",
"Revenues": "1,215",
"Stockholders Equity": "206,899",
"Net Income": "18,268",
"Comprehensive Net Income": "18,266",
"BaseVar": "1,739,282",
"ECR before LimitedLiability": "7.2%",
"Economic Capital Ratio": "15%"
}
}
},
"top_rated": false,
"trend": -22.0,
"value": 0.14747684246645765,
"company_index": "https://www.realrate-archive.com/us_savings/2021/industry_indexes/0001046050.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0001046050.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0001046050.svg"
},
{
"company_id": "0001435508",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001435508.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001435508.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001435508.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001435508_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001435508_main_keyfigs.svg",
"name": "First Savings Financial Group Inc",
"rank": 61,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001435508.svg",
"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 7.3% points.The greatest weakness of First Savings Financial Group Inc is the variable Deposits, reducing the Economic Capital Ratio by 8.1% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 4.0% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001435508_2022_First_Savings_Financial_Group_Inc.pdf",
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"Comprehensive Net Income": "0.684",
"Economic Capital Ratio": "-2.42"
},
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"Assets": "-1.04",
"Liabilities": "-2.02",
"Stockholders Equity": "-2.91",
"ECR before LimitedLiability": "-3.24",
"Notes Receivable": "-1.26",
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"Loans": "-16.0",
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"Debt": "3.01",
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"Revenues": "-2.44",
"Net Income": "0.390",
"Labor and Related Expense": "-1.04",
"Selling and Marketing Expense": "0.579",
"Operating Expenses": "1.37",
"Other Revenues": "-2.44",
"Other Net Income": "1.95",
"Economic Capital Ratio": "-3.51",
"Other Compr. Net Income": "-0.372"
},
"2019": {
"Other Assets": "-1.01",
"Assets": "0.399",
"Liabilities": "-2.60",
"Stockholders Equity": "-1.97",
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"Operating Expenses": "0.606",
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"Other Revenues": "-2.33",
"Comprehensive Net Income": "0.851",
"Economic Capital Ratio": "-1.84"
},
"2020": {
"Other Liabilities": "-2.91",
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}
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"Other Expenses": "10,378",
"Other Liabilities": "122,306",
"Other Net Income": "43,442",
"Other Revenues": "961",
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"Economic Capital Ratio": "13%"
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"Economic Capital Ratio": "15%"
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{
"company_id": "0001049782",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001049782.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001049782.svg",
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"name": "Brookline Bancorp INC",
"rank": 62,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 Notes Receivable, increasing the Economic Capital Ratio by 15% points.The greatest weakness of Brookline 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 4.0% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001049782_2022_Brookline_Bancorp_INC.pdf",
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"Comprehensive Net Income": "0.868",
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"Comprehensive Net Income": "0.576",
"Economic Capital Ratio": "-1.84"
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"Other Net Income": "1.30",
"Economic Capital Ratio": "-1.56"
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"Liabilities": "-2.93",
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"ECR before LimitedLiability": "6.6%",
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"ECR before LimitedLiability": "7.2%",
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"BaseVar": "7,159,778",
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}
},
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{
"company_id": "0001680379",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001680379.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001680379.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001680379.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001680379_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001680379_main_keyfigs.svg",
"name": "Sterling Bancorp Inc",
"rank": 63,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 8.4% points.The greatest weakness of Sterling 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 4.0% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001680379_2022_Sterling_Bancorp_Inc.pdf",
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"Other Expenses": "35,081",
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{
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"report_text": "The relative strengths and weaknesses of First Seacoast 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 Seacoast Bancorp compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 11% points.The greatest weakness of First Seacoast Bancorp 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 4.1% points below the market average of 19%.",
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{
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"name": "ESSA Bancorp Inc",
"rank": 65,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 9.4% points.The greatest weakness of ESSA Bancorp 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 15%, being 4.2% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001382230_2022_ESSA_Bancorp_Inc.pdf",
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"Interest Expense": "0",
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"Labor and Related Expense": "0",
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"Operating Expenses": "0",
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"Other Expenses": "3,183",
"Other Liabilities": "158,422",
"Other Net Income": "17,599",
"Other Revenues": "0",
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},
"output_variables": {
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"Liabilities": "1,702,118",
"Expenses": "3,183",
"Revenues": "0",
"Stockholders Equity": "191,397",
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"Comprehensive Net Income": "11,640",
"BaseVar": "1,809,596",
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"Economic Capital Ratio": "14%"
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},
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"Other Compr. Net Income": "4,738",
"Other Expenses": "3,473",
"Other Liabilities": "23,499",
"Other Net Income": "19,897",
"Other Revenues": "0",
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},
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"Liabilities": "1,659,614",
"Expenses": "3,473",
"Revenues": "0",
"Stockholders Equity": "201,822",
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"Comprehensive Net Income": "21,162",
"BaseVar": "1,774,579",
"ECR before LimitedLiability": "6.9%",
"Economic Capital Ratio": "15%"
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{
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"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001781730.svg",
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"name": "Third Coast Bancshares Inc",
"rank": 66,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001781730.svg",
"report_text": "The relative strengths and weaknesses of Third Coast 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 Third Coast Bancshares Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Third Coast Bancshares 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 4.2% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001781730_2022_Third_Coast_Bancshares_Inc.pdf",
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{
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"name": "Standard Premium Finance Holdings INC",
"rank": 67,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001807893.svg",
"report_text": "The relative strengths and weaknesses of Standard Premium Finance 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 Standard Premium Finance Holdings INC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Standard Premium Finance Holdings 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 14%, being 4.3% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001807893_2022_Standard_Premium_Finance_Holdings_INC.pdf",
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{
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"name": "NSTS Bancorp Inc",
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"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001881592.svg",
"report_text": "The relative strengths and weaknesses of NSTS 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 NSTS Bancorp Inc compared to the market average is the variable Cash and Cash Equivalents, increasing the Economic Capital Ratio by 7.8% points.The greatest weakness of NSTS Bancorp 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 14%, being 4.4% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001881592_2022_NSTS_Bancorp_Inc.pdf",
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{
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"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001823365.svg",
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"name": "Generations Bancorp NY Inc",
"rank": 69,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001823365.svg",
"report_text": "The relative strengths and weaknesses of Generations Bancorp NY 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 Generations Bancorp NY Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 9.8% points.The greatest weakness of Generations Bancorp NY 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 4.4% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001823365_2022_Generations_Bancorp_NY_Inc.pdf",
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{
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"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001001171.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001001171.png",
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"name": "Broadway Financial CORP DE",
"rank": 70,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001001171.svg",
"report_text": "The relative strengths and weaknesses of Broadway Financial CORP DE 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 Broadway Financial CORP DE compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Broadway Financial CORP DE is the variable Loans, reducing the Economic Capital Ratio by 10% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 4.6% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001001171_2022_Broadway_Financial_CORP_DE.pdf",
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"Loans": "7.58",
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"Revenues": "-2.36",
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"Other Net Income": "0.627",
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},
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"Other Revenues": "-3.14",
"Revenues": "-3.14",
"Notes Receivable": "-5.01",
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"Loans": "7.99",
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"Other Net Income": "0.510",
"Economic Capital Ratio": "-4.64"
},
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The greatest strength of Hometrust Bancshares Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Hometrust Bancshares Inc is the variable Deposits, reducing the Economic Capital Ratio by 16% points.
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The greatest strength of Sound Financial Bancorp Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Sound Financial Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 17% points.
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"Revenues": "-2.87",
"Net Income": "0.616",
"Selling and Marketing Expense": "0.531",
"Operating Expenses": "2.10",
"Labor and Related Expense": "0.597",
"Other Revenues": "-2.87",
"Comprehensive Net Income": "0.650",
"Economic Capital Ratio": "-2.61"
},
"2018": {
"Liabilities": "-3.14",
"Stockholders Equity": "-2.49",
"ECR before LimitedLiability": "-2.53",
"Deposits": "-9.51",
"Other Liabilities": "3.76",
"Debt": "2.83",
"Expenses": "3.90",
"Net Income": "0.494",
"Labor and Related Expense": "0.526",
"Other Expenses": "0.766",
"Selling and Marketing Expense": "0.541",
"Operating Expenses": "1.28",
"Other Revenues": "-2.36",
"Revenues": "-2.36",
"Other Assets": "-8.41",
"Notes Receivable": "-1.17",
"Cash and Cash Equivalents": "2.18",
"Loans": "7.36",
"Comprehensive Net Income": "0.595",
"Other Net Income": "-0.579",
"Economic Capital Ratio": "-2.80"
},
"2019": {
"Other Assets": "13.8",
"Assets": "-0.456",
"Liabilities": "-1.46",
"Stockholders Equity": "-1.81",
"ECR before LimitedLiability": "-2.04",
"Cash and Cash Equivalents": "1.58",
"Notes Receivable": "-2.18",
"Loans": "-15.1",
"Securities": "-0.473",
"Deposits": "-14.9",
"Debt": "4.36",
"Other Liabilities": "6.02",
"General and Administrative Expense": "0.377",
"Expenses": "0.809",
"Other Expenses": "0.436",
"Operating Expenses": "0.634",
"Labor and Related Expense": "-0.801",
"Other Revenues": "-2.01",
"Revenues": "-2.01",
"Economic Capital Ratio": "-2.23",
"Other Net Income": "1.69"
},
"2021": {
"Assets": "1.07",
"Liabilities": "-3.65",
"Stockholders Equity": "-2.32",
"ECR before LimitedLiability": "-4.18",
"Loans": "-10.3",
"Other Assets": "-8.95",
"Notes Receivable": "13.4",
"Cash and Cash Equivalents": "5.66",
"Other Liabilities": "5.82",
"Deposits": "-17.2",
"Debt": "3.44",
"Selling and Marketing Expense": "0.650",
"Expenses": "4.40",
"Revenues": "-3.54",
"Net Income": "-0.741",
"Operating Expenses": "1.01",
"Labor and Related Expense": "0.995",
"General and Administrative Expense": "0.659",
"Other Revenues": "-3.54",
"Other Net Income": "-0.901",
"Economic Capital Ratio": "-4.62"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001541119_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "54,582",
"Debt": "0",
"Deposits": "467,731",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "73",
"Labor and Related Expense": "0",
"Loans": "495,179",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "38,622",
"Other Compr. Net Income": "-83",
"Other Expenses": "2,695",
"Other Liabilities": "60,304",
"Other Net Income": "8,073",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "588,383",
"Liabilities": "528,108",
"Expenses": "2,695",
"Revenues": "0",
"Stockholders Equity": "60,275",
"Net Income": "5,378",
"Comprehensive Net Income": "5,295",
"BaseVar": "563,671",
"ECR before LimitedLiability": "6.3%",
"Economic Capital Ratio": "14%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "60,680",
"Debt": "0",
"Deposits": "514,400",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "77",
"Labor and Related Expense": "0",
"Loans": "543,354",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "41,210",
"Other Compr. Net Income": "28",
"Other Expenses": "3,068",
"Other Liabilities": "65,607",
"Other Net Income": "8,193",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "645,244",
"Liabilities": "580,084",
"Expenses": "3,068",
"Revenues": "0",
"Stockholders Equity": "65,160",
"Net Income": "5,125",
"Comprehensive Net Income": "5,153",
"BaseVar": "618,308",
"ECR before LimitedLiability": "6.2%",
"Economic Capital Ratio": "14%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "61,810",
"Debt": "0",
"Deposits": "553,601",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "137",
"Labor and Related Expense": "0",
"Loans": "613,769",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "41,156",
"Other Compr. Net Income": "5.0",
"Other Expenses": "1,706",
"Other Liabilities": "91,370",
"Other Net Income": "8,745",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "716,735",
"Liabilities": "645,108",
"Expenses": "1,706",
"Revenues": "0",
"Stockholders Equity": "71,627",
"Net Income": "7,039",
"Comprehensive Net Income": "7,044",
"BaseVar": "686,150",
"ECR before LimitedLiability": "6.3%",
"Economic Capital Ratio": "14%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "55,770",
"Debt": "0",
"Deposits": "616,718",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "226",
"Labor and Related Expense": "12,402",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "2,060",
"Operating Expenses": "0",
"Other Assets": "664,083",
"Other Compr. Net Income": "-1,590",
"Other Expenses": "2,418",
"Other Liabilities": "25,183",
"Other Net Income": "27,089",
"Other Revenues": "4,026",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "5,905"
},
"output_variables": {
"Assets": "719,853",
"Liabilities": "642,127",
"Expenses": "22,785",
"Revenues": "4,026",
"Stockholders Equity": "77,726",
"Net Income": "8,330",
"Comprehensive Net Income": "6,740",
"BaseVar": "708,735",
"ECR before LimitedLiability": "6.7%",
"Economic Capital Ratio": "14%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "183,590",
"Debt": "0",
"Deposits": "798,320",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "200",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "680,092",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "56,009",
"Other Compr. Net Income": "-101",
"Other Expenses": "2,272",
"Other Liabilities": "27,813",
"Other Net Income": "11,428",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "919,691",
"Liabilities": "826,333",
"Expenses": "2,272",
"Revenues": "0",
"Stockholders Equity": "93,358",
"Net Income": "9,156",
"Comprehensive Net Income": "9,055",
"BaseVar": "879,912",
"ECR before LimitedLiability": "6.4%",
"Economic Capital Ratio": "14%"
}
}
},
"top_rated": false,
"trend": null,
"value": 0.14114149096890938,
"company_index": "https://www.realrate-archive.com/us_savings/2021/industry_indexes/0001541119.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0001541119.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0001541119.svg"
},
{
"company_id": "0001367859",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001367859.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001367859.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001367859.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001367859_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001367859_main_keyfigs.svg",
"name": "Citizens Community Bancorp Inc",
"rank": 73,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001367859.svg",
"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 13% points.The greatest weakness of Citizens Community 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 14%, being 4.6% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001367859_2022_Citizens_Community_Bancorp_Inc.pdf",
"shrinked_graph_json": {
"2016": {
"Cash and Cash Equivalents": "-1.10",
"Assets": "1.38",
"Liabilities": "-3.82",
"Stockholders Equity": "-2.25",
"ECR before LimitedLiability": "-2.42",
"Other Assets": "13.0",
"Notes Receivable": "-1.46",
"Loans": "-13.8",
"Deposits": "-12.8",
"Other Liabilities": "4.85",
"Debt": "3.89",
"Expenses": "4.87",
"Revenues": "-3.79",
"Comprehensive Net Income": "0.635",
"Selling and Marketing Expense": "1.05",
"General and Administrative Expense": "1.16",
"Other Expenses": "-1.02",
"Operating Expenses": "3.24",
"Other Revenues": "-3.79",
"Other Net Income": "-0.660",
"Economic Capital Ratio": "-3.69"
},
"2017": {
"Notes Receivable": "-1.44",
"Assets": "0.453",
"Liabilities": "-3.84",
"Stockholders Equity": "-3.13",
"Securities": "-0.627",
"Other Assets": "12.1",
"Loans": "-14.8",
"Other Liabilities": "4.00",
"Debt": "3.42",
"Deposits": "-11.0",
"Expenses": "4.00",
"Revenues": "-3.03",
"Comprehensive Net Income": "0.211",
"Selling and Marketing Expense": "0.566",
"Operating Expenses": "2.24",
"Labor and Related Expense": "0.636",
"General and Administrative Expense": "0.513",
"Other Revenues": "-3.03",
"ECR before LimitedLiability": "-3.39",
"Other Net Income": "-0.666",
"Economic Capital Ratio": "-4.09"
},
"2018": {
"Other Assets": "14.9",
"Assets": "1.23",
"Liabilities": "-2.24",
"Expenses": "3.68",
"Stockholders Equity": "-0.824",
"ECR before LimitedLiability": "-1.46",
"Notes Receivable": "-1.10",
"Securities": "-0.444",
"Loans": "-15.2",
"Deposits": "-10.1",
"Other Liabilities": "5.00",
"Debt": "2.72",
"Labor and Related Expense": "0.499",
"Other Expenses": "0.723",
"Selling and Marketing Expense": "0.514",
"Operating Expenses": "1.21",
"General and Administrative Expense": "0.210",
"Other Revenues": "-2.26",
"Revenues": "-2.26",
"Economic Capital Ratio": "-1.73",
"Other Net Income": "-0.952"
},
"2019": {
"Other Assets": "-4.57",
"Assets": "-0.417",
"Liabilities": "-1.94",
"Expenses": "1.15",
"Stockholders Equity": "-2.21",
"ECR before LimitedLiability": "-2.65",
"Notes Receivable": "13.7",
"Loans": "-15.2",
"Securities": "-0.487",
"Deposits": "-10.4",
"Debt": "4.43",
"Other Liabilities": "4.42",
"General and Administrative Expense": "0.385",
"Operating Expenses": "0.649",
"Selling and Marketing Expense": "0.738",
"Labor and Related Expense": "-0.499",
"Interest Expense": "0.173",
"Other Revenues": "-1.73",
"Revenues": "-1.73",
"Economic Capital Ratio": "-2.84",
"Other Net Income": "0.720"
},
"2020": {
"Notes Receivable": "13.4",
"Assets": "0.689",
"Liabilities": "-3.66",
"Expenses": "4.32",
"Stockholders Equity": "-2.69",
"ECR before LimitedLiability": "-3.64",
"Other Assets": "-5.72",
"Loans": "-11.4",
"Cash and Cash Equivalents": "0.681",
"Other Liabilities": "5.40",
"Deposits": "-13.2",
"Debt": "3.46",
"General and Administrative Expense": "0.497",
"Selling and Marketing Expense": "0.639",
"Operating Expenses": "1.14",
"Labor and Related Expense": "0.811",
"Other Expenses": "0.434",
"Other Revenues": "-3.07",
"Revenues": "-3.07",
"Economic Capital Ratio": "-3.98",
"Other Net Income": "-0.764"
},
"2021": {
"Assets": "0.854",
"Liabilities": "-3.60",
"Stockholders Equity": "-2.47",
"ECR before LimitedLiability": "-4.19",
"Loans": "-10.3",
"Other Assets": "-4.59",
"Notes Receivable": "13.4",
"Cash and Cash Equivalents": "-1.34",
"Other Liabilities": "5.19",
"Deposits": "-12.4",
"Debt": "3.45",
"Selling and Marketing Expense": "0.653",
"Expenses": "4.23",
"Revenues": "-3.56",
"Net Income": "-0.567",
"Operating Expenses": "1.01",
"Labor and Related Expense": "0.999",
"General and Administrative Expense": "0.661",
"Other Revenues": "-3.56",
"Other Net Income": "-0.575",
"Economic Capital Ratio": "-4.63"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001367859_strength_weakness.svg",
"table_records": {
"2016": {
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"Debt": "0",
"Deposits": "557,677",
"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": "685,819",
"Other Compr. Net Income": "828",
"Other Expenses": "1,286",
"Other Liabilities": "73,644",
"Other Net Income": "3,859",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "695,865",
"Liabilities": "631,321",
"Expenses": "1,286",
"Revenues": "0",
"Stockholders Equity": "64,544",
"Net Income": "2,573",
"Comprehensive Net Income": "3,401",
"BaseVar": "666,580",
"ECR before LimitedLiability": "5.4%",
"Economic Capital Ratio": "13%"
}
},
"2017": {
"input_variables": {
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"Debt": "0",
"Deposits": "742,504",
"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": "898,987",
"Other Compr. Net Income": "0",
"Other Expenses": "1,323",
"Other Liabilities": "124,677",
"Other Net Income": "3,822",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "940,664",
"Liabilities": "867,181",
"Expenses": "1,323",
"Revenues": "0",
"Stockholders Equity": "73,483",
"Net Income": "2,499",
"Comprehensive Net Income": "2,499",
"BaseVar": "906,495",
"ECR before LimitedLiability": "4.3%",
"Economic Capital Ratio": "12%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "34,494",
"Debt": "0",
"Deposits": "746,529",
"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": "940,915",
"Other Compr. Net Income": "-2,302",
"Other Expenses": "2,326",
"Other Liabilities": "93,033",
"Other Net Income": "6,609",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "975,409",
"Liabilities": "839,562",
"Expenses": "2,326",
"Revenues": "0",
"Stockholders Equity": "135,847",
"Net Income": "4,283",
"Comprehensive Net Income": "1,981",
"BaseVar": "913,104",
"ECR before LimitedLiability": "7.7%",
"Economic Capital Ratio": "15%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "55,840",
"Debt": "0",
"Deposits": "1,195,702",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "20,325",
"Loans": "0",
"Notes Receivable": "1,167,060",
"Occupancy": "3,697",
"Operating Expenses": "0",
"Other Assets": "308,349",
"Other Compr. Net Income": "-1,399",
"Other Expenses": "16,207",
"Other Liabilities": "184,994",
"Other Net Income": "39,988",
"Other Revenues": "14,975",
"Professional Fees": "2,457",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "1,380,696",
"Expenses": "42,686",
"Revenues": "14,975",
"Stockholders Equity": "150,553",
"Net Income": "12,277",
"Comprehensive Net Income": "10,878",
"BaseVar": "1,505,496",
"ECR before LimitedLiability": "5.9%",
"Economic Capital Ratio": "14%"
}
},
"2020": {
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"Debt": "0",
"Deposits": "1,295,256",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "1,220,538",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "309,117",
"Other Compr. Net Income": "1,961",
"Other Expenses": "4,555",
"Other Liabilities": "193,275",
"Other Net Income": "17,280",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,649,095",
"Liabilities": "1,488,531",
"Expenses": "4,555",
"Revenues": "0",
"Stockholders Equity": "160,564",
"Net Income": "12,725",
"Comprehensive Net Income": "14,686",
"BaseVar": "1,580,711",
"ECR before LimitedLiability": "6.1%",
"Economic Capital Ratio": "14%"
}
},
"2021": {
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"Debt": "0",
"Deposits": "1,387,535",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "1,294,050",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "397,887",
"Other Compr. Net Income": "-1,329",
"Other Expenses": "7,693",
"Other Liabilities": "181,227",
"Other Net Income": "28,959",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,739,628",
"Liabilities": "1,568,762",
"Expenses": "7,693",
"Revenues": "0",
"Stockholders Equity": "170,866",
"Net Income": "21,266",
"Comprehensive Net Income": "19,937",
"BaseVar": "1,673,186",
"ECR before LimitedLiability": "6.4%",
"Economic Capital Ratio": "14%"
}
}
},
"top_rated": false,
"trend": -6.0,
"value": 0.14103030308833991,
"company_index": "https://www.realrate-archive.com/us_savings/2021/industry_indexes/0001367859.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0001367859.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0001367859.svg"
},
{
"company_id": "0000910679",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0000910679.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0000910679.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0000910679.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000910679_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0000910679_main_keyfigs.svg",
"name": "WVS Financial CORP",
"rank": 74,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0000910679.svg",
"report_text": "The relative strengths and weaknesses of WVS 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 WVS Financial CORP compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 10% points.The greatest weakness of WVS Financial 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 4.7% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0000910679_2022_WVS_Financial_CORP.pdf",
"shrinked_graph_json": {
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"Notes Receivable": "-4.74",
"Assets": "0.869",
"Liabilities": "-3.57",
"Expenses": "4.32",
"Stockholders Equity": "-2.43",
"ECR before LimitedLiability": "-3.54",
"Other Assets": "9.43",
"Loans": "-4.87",
"Cash and Cash Equivalents": "-1.76",
"Other Liabilities": "-48.0",
"Deposits": "9.10",
"Debt": "3.44",
"General and Administrative Expense": "0.494",
"Selling and Marketing Expense": "0.635",
"Operating Expenses": "1.13",
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"Other Expenses": "0.458",
"Other Revenues": "-3.06",
"Revenues": "-3.06",
"Economic Capital Ratio": "-3.88",
"Other Net Income": "-0.841"
},
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"Liabilities": "-3.60",
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"ECR before LimitedLiability": "-4.27",
"Loans": "-4.13",
"Other Assets": "10.1",
"Notes Receivable": "-5.51",
"Cash and Cash Equivalents": "-2.02",
"Other Liabilities": "-51.4",
"Deposits": "9.42",
"Debt": "3.43",
"Expenses": "4.52",
"Revenues": "-3.54",
"Net Income": "-1.23",
"Operating Expenses": "1.01",
"Labor and Related Expense": "0.995",
"General and Administrative Expense": "0.658",
"Other Revenues": "-3.54",
"Comprehensive Net Income": "-1.10",
"Other Net Income": "-1.47",
"Economic Capital Ratio": "-4.71"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0000910679_strength_weakness.svg",
"table_records": {
"2020": {
"input_variables": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "487",
"Labor and Related Expense": "0",
"Loans": "91,032",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "263,569",
"Other Compr. Net Income": "0",
"Other Expenses": "870",
"Other Liabilities": "319,701",
"Other Net Income": "3,360",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "357,101",
"Liabilities": "320,188",
"Expenses": "870",
"Revenues": "0",
"Stockholders Equity": "36,913",
"Net Income": "2,490",
"Comprehensive Net Income": "2,490",
"BaseVar": "340,760",
"ECR before LimitedLiability": "6.2%",
"Economic Capital Ratio": "14%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "2,551",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "155",
"Labor and Related Expense": "0",
"Loans": "80,684",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "262,843",
"Other Compr. Net Income": "0",
"Other Expenses": "445",
"Other Liabilities": "307,534",
"Other Net Income": "1,741",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "346,078",
"Liabilities": "307,689",
"Expenses": "445",
"Revenues": "0",
"Stockholders Equity": "38,389",
"Net Income": "1,296",
"Comprehensive Net Income": "1,296",
"BaseVar": "327,976",
"ECR before LimitedLiability": "6.3%",
"Economic Capital Ratio": "14%"
}
}
},
"top_rated": false,
"trend": -12.0,
"value": 0.1402366528410593,
"company_index": "https://www.realrate-archive.com/us_savings/2021/industry_indexes/0000910679.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0000910679.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0000910679.svg"
},
{
"company_id": "0001108134",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001108134.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001108134.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001108134.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001108134_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001108134_main_keyfigs.svg",
"name": "Beacon Financial Corp",
"rank": 75,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 Notes Receivable, increasing the Economic Capital Ratio by 10% points.The greatest weakness of Beacon Financial Corp is the variable Deposits, reducing the Economic Capital Ratio by 16% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 4.8% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001108134_2022_Beacon_Financial_Corp.pdf",
"shrinked_graph_json": {
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"Assets": "0.777",
"Liabilities": "-2.18",
"Stockholders Equity": "-1.23",
"ECR before LimitedLiability": "-1.01",
"Other Assets": "-3.34",
"Notes Receivable": "-1.38",
"Loans": "6.58",
"Deposits": "-8.58",
"Other Liabilities": "2.75",
"Debt": "3.80",
"Expenses": "3.32",
"Revenues": "-1.30",
"Comprehensive Net Income": "0.851",
"Selling and Marketing Expense": "0.980",
"General and Administrative Expense": "1.12",
"Other Expenses": "-1.72",
"Operating Expenses": "2.91",
"Other Revenues": "-1.30",
"Other Net Income": "-1.07",
"Economic Capital Ratio": "-2.28"
},
"2017": {
"Other Liabilities": "5.07",
"Liabilities": "-1.33",
"Stockholders Equity": "-1.05",
"ECR before LimitedLiability": "-0.971",
"Debt": "3.25",
"Deposits": "-9.49",
"Expenses": "1.41",
"Net Income": "0.337",
"Selling and Marketing Expense": "0.438",
"Other Expenses": "-1.08",
"Operating Expenses": "1.86",
"Labor and Related Expense": "-0.482",
"General and Administrative Expense": "0.473",
"Notes Receivable": "-1.30",
"Securities": "-0.562",
"Cash and Cash Equivalents": "-0.801",
"Other Assets": "-3.23",
"Loans": "6.50",
"Comprehensive Net Income": "0.327",
"Other Net Income": "-0.936",
"Economic Capital Ratio": "-1.67"
},
"2018": {
"Liabilities": "-1.48",
"Stockholders Equity": "-1.51",
"ECR before LimitedLiability": "-1.53",
"Deposits": "-7.49",
"Other Liabilities": "3.36",
"Debt": "2.81",
"Expenses": "1.36",
"Net Income": "0.380",
"Labor and Related Expense": "-0.564",
"Selling and Marketing Expense": "0.478",
"Operating Expenses": "1.05",
"Other Revenues": "0.632",
"Revenues": "0.632",
"Other Assets": "-3.34",
"Notes Receivable": "-1.14",
"Securities": "-0.292",
"Cash and Cash Equivalents": "-0.701",
"Loans": "6.60",
"Comprehensive Net Income": "0.396",
"Other Net Income": "-1.52",
"Economic Capital Ratio": "-1.80"
},
"2019": {
"Other Assets": "-3.05",
"Assets": "0.300",
"Liabilities": "-1.11",
"Expenses": "1.15",
"Stockholders Equity": "-0.700",
"ECR before LimitedLiability": "-0.962",
"Notes Receivable": "-2.05",
"Loans": "6.98",
"Securities": "-0.331",
"Deposits": "-11.4",
"Debt": "4.16",
"Other Liabilities": "5.76",
"General and Administrative Expense": "0.357",
"Other Expenses": "-0.314",
"Operating Expenses": "0.438",
"Selling and Marketing Expense": "0.654",
"Labor and Related Expense": "-0.280",
"Other Revenues": "0.257",
"Revenues": "0.257",
"Economic Capital Ratio": "-1.15",
"Other Net Income": "-1.35"
},
"2020": {
"Notes Receivable": "8.05",
"Assets": "-1.53",
"Liabilities": "-2.54",
"Stockholders Equity": "-3.87",
"Loans": "-13.6",
"Cash and Cash Equivalents": "-2.73",
"Other Liabilities": "1.25",
"Deposits": "-12.7",
"Debt": "0.714",
"Expenses": "-1.88",
"Revenues": "-1.18",
"Net Income": "-4.91",
"General and Administrative Expense": "0.485",
"Selling and Marketing Expense": "0.487",
"Operating Expenses": "0.494",
"Other Expenses": "-4.46",
"Other Revenues": "-1.18",
"ECR before LimitedLiability": "-8.55",
"Comprehensive Net Income": "-4.76",
"Other Net Income": "-2.20",
"Economic Capital Ratio": "-8.89"
},
"2021": {
"Other Liabilities": "5.73",
"Liabilities": "-2.70",
"Stockholders Equity": "-2.47",
"ECR before LimitedLiability": "-4.35",
"Deposits": "-16.4",
"Debt": "3.56",
"Selling and Marketing Expense": "0.654",
"Expenses": "2.18",
"Net Income": "-0.763",
"Operating Expenses": "0.793",
"General and Administrative Expense": "0.683",
"Other Revenues": "-0.823",
"Revenues": "-0.823",
"Securities": "-0.297",
"Loans": "-10.6",
"Other Assets": "1.64",
"Notes Receivable": "10.2",
"Cash and Cash Equivalents": "-2.34",
"Comprehensive Net Income": "-0.862",
"Other Net Income": "-1.93",
"Economic Capital Ratio": "-4.79"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001108134_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "113,075",
"Debt": "0",
"Deposits": "6,622,092",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "104,600",
"Loans": "6,505,789",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "19,883",
"Other Assets": "2,543,678",
"Other Compr. Net Income": "13,071",
"Other Expenses": "105,605",
"Other Liabilities": "1,447,152",
"Other Net Income": "0",
"Other Revenues": "298,118",
"Professional Fees": "6,199",
"Securities": "0",
"Selling and Marketing Expense": "3,161"
},
"output_variables": {
"Assets": "9,162,542",
"Liabilities": "8,069,244",
"Expenses": "239,448",
"Revenues": "298,118",
"Stockholders Equity": "1,093,298",
"Net Income": "58,670",
"Comprehensive Net Income": "71,741",
"BaseVar": "8,891,212",
"ECR before LimitedLiability": "7.2%",
"Economic Capital Ratio": "15%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "248,763",
"Debt": "0",
"Deposits": "8,749,530",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "152,979",
"Loans": "8,247,504",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "25,900",
"Other Assets": "3,074,484",
"Other Compr. Net Income": "-5,605",
"Other Expenses": "165,316",
"Other Liabilities": "1,324,957",
"Other Net Income": "0",
"Other Revenues": "420,484",
"Professional Fees": "9,165",
"Securities": "0",
"Selling and Marketing Expense": "11,877"
},
"output_variables": {
"Assets": "11,570,751",
"Liabilities": "10,074,487",
"Expenses": "365,237",
"Revenues": "420,484",
"Stockholders Equity": "1,496,264",
"Net Income": "55,247",
"Comprehensive Net Income": "49,642",
"BaseVar": "11,218,282",
"ECR before LimitedLiability": "7.4%",
"Economic Capital Ratio": "15%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "183,189",
"Debt": "0",
"Deposits": "8,982,381",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "165,185",
"Loans": "8,981,784",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "28,600",
"Other Assets": "2,990,620",
"Other Compr. Net Income": "-12,274",
"Other Expenses": "153,012",
"Other Liabilities": "1,676,932",
"Other Net Income": "0",
"Other Revenues": "469,235",
"Professional Fees": "8,693",
"Securities": "56,638",
"Selling and Marketing Expense": "7,980"
},
"output_variables": {
"Assets": "12,212,231",
"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": {
"input_variables": {
"Cash and Cash Equivalents": "579,829",
"Debt": "0",
"Deposits": "10,335,977",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "140,906",
"Loans": "9,438,853",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "26,523",
"Other Assets": "3,155,732",
"Other Compr. Net Income": "25,463",
"Other Expenses": "165,038",
"Other Liabilities": "1,121,429",
"Other Net Income": "-4,071",
"Other Revenues": "449,260",
"Professional Fees": "10,798",
"Securities": "41,556",
"Selling and Marketing Expense": "4,474"
},
"output_variables": {
"Assets": "13,215,970",
"Liabilities": "11,457,406",
"Expenses": "347,739",
"Revenues": "449,260",
"Stockholders Equity": "1,758,564",
"Net Income": "97,450",
"Comprehensive Net Income": "122,913",
"BaseVar": "12,749,954",
"ECR before LimitedLiability": "8.1%",
"Economic Capital Ratio": "15%"
}
},
"2020": {
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"Debt": "0",
"Deposits": "10,215,808",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "147,840",
"Loans": "0",
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"Operating Expenses": "32,364",
"Other Assets": "4,865,283",
"Other Compr. Net Income": "18,878",
"Other Expenses": "720,303",
"Other Liabilities": "1,434,432",
"Other Net Income": "-19,842",
"Other Revenues": "383,089",
"Professional Fees": "11,907",
"Securities": "18,513",
"Selling and Marketing Expense": "3,703"
},
"output_variables": {
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"Liabilities": "11,650,240",
"Expenses": "916,117",
"Revenues": "383,089",
"Stockholders Equity": "1,187,773",
"Net Income": "-552,870",
"Comprehensive Net Income": "-533,992",
"BaseVar": "12,913,090",
"ECR before LimitedLiability": "0.49%",
"Economic Capital Ratio": "8.9%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "10,068,953",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
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"Other Assets": "4,819,707",
"Other Compr. Net Income": "-34,114",
"Other Expenses": "112,749",
"Other Liabilities": "303,525",
"Other Net Income": "0",
"Other Revenues": "434,414",
"Professional Fees": "15,860",
"Securities": "15,453",
"Selling and Marketing Expense": "2,749"
},
"output_variables": {
"Assets": "11,554,913",
"Liabilities": "10,372,478",
"Expenses": "315,750",
"Revenues": "434,414",
"Stockholders Equity": "1,182,435",
"Net Income": "118,664",
"Comprehensive Net Income": "84,550",
"BaseVar": "11,355,834",
"ECR before LimitedLiability": "6.2%",
"Economic Capital Ratio": "14%"
}
}
},
"top_rated": false,
"trend": 17.0,
"value": 0.13941384826160558,
"company_index": "https://www.realrate-archive.com/us_savings/2021/industry_indexes/0001108134.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0001108134.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0001108134.svg"
},
{
"company_id": "0001228454",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001228454.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/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/2021/plot_over_time/0001228454_main_keyfigs.svg",
"name": "BCB Bancorp INC",
"rank": 76,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 10% points.The greatest weakness of BCB Bancorp 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 14%, being 4.8% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001228454_2022_BCB_Bancorp_INC.pdf",
"shrinked_graph_json": {
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"Liabilities": "-4.20",
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"Securities": "-0.573",
"Other Assets": "-8.77",
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"Revenues": "-3.92",
"Net Income": "0.547",
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"General and Administrative Expense": "1.21",
"Labor and Related Expense": "0.644",
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"Operating Expenses": "3.39",
"Other Revenues": "-3.92",
"ECR before LimitedLiability": "-3.28",
"Economic Capital Ratio": "-4.55"
},
"2017": {
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"Assets": "0.473",
"Liabilities": "-3.27",
"Stockholders Equity": "-2.56",
"ECR before LimitedLiability": "-2.54",
"Securities": "-0.600",
"Cash and Cash Equivalents": "0.857",
"Other Assets": "-8.21",
"Loans": "7.54",
"Other Liabilities": "4.86",
"Debt": "3.34",
"Deposits": "-12.1",
"Expenses": "3.99",
"Revenues": "-2.94",
"Comprehensive Net Income": "0.475",
"Selling and Marketing Expense": "0.547",
"Operating Expenses": "2.16",
"Labor and Related Expense": "0.615",
"General and Administrative Expense": "0.495",
"Other Revenues": "-2.94",
"Economic Capital Ratio": "-3.24"
},
"2018": {
"Liabilities": "-3.88",
"Other Assets": "-8.39",
"Stockholders Equity": "-3.64",
"Deposits": "-11.2",
"Other Liabilities": "4.11",
"Debt": "2.98",
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"Operating Expenses": "1.37",
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"Cash and Cash Equivalents": "1.71",
"Loans": "6.24",
"Other Net Income": "-0.895",
"Economic Capital Ratio": "-4.28"
},
"2019": {
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"Stockholders Equity": "-2.76",
"ECR before LimitedLiability": "-3.26",
"Deposits": "-12.4",
"Debt": "4.40",
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"Operating Expenses": "0.651",
"Selling and Marketing Expense": "0.740",
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"Other Revenues": "-2.48",
"Revenues": "-2.48",
"Other Assets": "-2.97",
"Cash and Cash Equivalents": "-1.44",
"Notes Receivable": "-2.26",
"Loans": "5.29",
"Securities": "-0.493",
"Economic Capital Ratio": "-3.45",
"Other Net Income": "-0.580"
},
"2020": {
"Notes Receivable": "-4.87",
"Assets": "0.518",
"Liabilities": "-3.91",
"Expenses": "4.39",
"Stockholders Equity": "-3.09",
"ECR before LimitedLiability": "-4.11",
"Other Assets": "-5.88",
"Loans": "9.91",
"Cash and Cash Equivalents": "-2.06",
"Other Liabilities": "5.03",
"Deposits": "-15.2",
"Debt": "3.52",
"General and Administrative Expense": "0.508",
"Selling and Marketing Expense": "0.654",
"Operating Expenses": "1.17",
"Labor and Related Expense": "0.829",
"Other Expenses": "0.421",
"Other Revenues": "-3.13",
"Revenues": "-3.13",
"Economic Capital Ratio": "-4.45",
"Other Net Income": "-0.788"
},
"2021": {
"Assets": "0.748",
"Liabilities": "-3.76",
"Stockholders Equity": "-2.72",
"ECR before LimitedLiability": "-4.41",
"Loans": "10.4",
"Other Assets": "-4.80",
"Notes Receivable": "-5.58",
"Cash and Cash Equivalents": "-2.29",
"Other Liabilities": "5.56",
"Deposits": "-16.3",
"Debt": "3.48",
"Selling and Marketing Expense": "0.659",
"Expenses": "4.25",
"Revenues": "-3.58",
"Net Income": "-0.630",
"Operating Expenses": "1.02",
"Labor and Related Expense": "1.01",
"General and Administrative Expense": "0.668",
"Other Revenues": "-3.58",
"Other Net Income": "-0.615",
"Economic Capital Ratio": "-4.84"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001228454_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "65,038",
"Debt": "0",
"Deposits": "1,392,205",
"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": {
"Assets": "1,708,208",
"Liabilities": "1,577,127",
"Expenses": "5,258",
"Revenues": "0",
"Stockholders Equity": "131,081",
"Net Income": "8,003",
"Comprehensive Net Income": "5,745",
"BaseVar": "1,653,056",
"ECR before LimitedLiability": "4.3%",
"Economic Capital Ratio": "12%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "124,235",
"Debt": "0",
"Deposits": "1,569,370",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "1,643,677",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "174,925",
"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"
},
"output_variables": {
"Assets": "1,942,837",
"Liabilities": "1,766,383",
"Expenses": "10,231",
"Revenues": "0",
"Stockholders Equity": "176,454",
"Net Income": "9,982",
"Comprehensive Net Income": "11,253",
"BaseVar": "1,870,468",
"ECR before LimitedLiability": "5.4%",
"Economic Capital Ratio": "13%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "195,264",
"Debt": "0",
"Deposits": "2,180,724",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "2,278,492",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "200,975",
"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",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "2,674,731",
"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": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "2,362,063",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "2,178,407",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "729,061",
"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": {
"Assets": "2,907,468",
"Liabilities": "2,667,995",
"Expenses": "9,309",
"Revenues": "0",
"Stockholders Equity": "239,473",
"Net Income": "21,034",
"Comprehensive Net Income": "23,892",
"BaseVar": "2,808,986",
"ECR before LimitedLiability": "5.2%",
"Economic Capital Ratio": "13%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "2,318,050",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "2,295,021",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "525,995",
"Other Compr. Net Income": "2,013",
"Other Expenses": "8,566",
"Other Liabilities": "253,755",
"Other Net Income": "29,423",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "2,821,016",
"Liabilities": "2,571,805",
"Expenses": "8,566",
"Revenues": "0",
"Stockholders Equity": "249,211",
"Net Income": "20,857",
"Comprehensive Net Income": "22,870",
"BaseVar": "2,716,412",
"ECR before LimitedLiability": "5.5%",
"Economic Capital Ratio": "13%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "2,561,402",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "2,304,942",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "662,586",
"Other Compr. Net Income": "1,333",
"Other Expenses": "14,018",
"Other Liabilities": "132,102",
"Other Net Income": "48,258",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "2,967,528",
"Liabilities": "2,693,504",
"Expenses": "14,018",
"Revenues": "0",
"Stockholders Equity": "274,024",
"Net Income": "34,240",
"Comprehensive Net Income": "35,573",
"BaseVar": "2,862,320",
"ECR before LimitedLiability": "6.1%",
"Economic Capital Ratio": "14%"
}
}
},
"top_rated": false,
"trend": -5.0,
"value": 0.1388908027269345,
"company_index": "https://www.realrate-archive.com/us_savings/2021/industry_indexes/0001228454.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0001228454.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0001228454.svg"
},
{
"company_id": "0000921183",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0000921183.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0000921183.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0000921183.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000921183_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0000921183_main_keyfigs.svg",
"name": "HMN Financial INC",
"rank": 77,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 6.4% 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 14%, being 4.9% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0000921183_2022_HMN_Financial_INC.pdf",
"shrinked_graph_json": {
"2016": {
"Assets": "1.41",
"Liabilities": "-3.06",
"Stockholders Equity": "-1.45",
"ECR before LimitedLiability": "-1.31",
"Other Assets": "-6.72",
"Notes Receivable": "-1.38",
"Loans": "8.13",
"Deposits": "-17.8",
"Other Liabilities": "6.16",
"Debt": "3.76",
"Expenses": "5.24",
"Revenues": "-3.66",
"Net Income": "0.896",
"Selling and Marketing Expense": "1.00",
"General and Administrative Expense": "1.11",
"Labor and Related Expense": "0.590",
"Other Expenses": "-1.30",
"Operating Expenses": "3.09",
"Other Revenues": "-3.66",
"Comprehensive Net Income": "0.906",
"Economic Capital Ratio": "-2.58"
},
"2017": {
"Notes Receivable": "-1.31",
"Assets": "0.842",
"Liabilities": "-2.68",
"Stockholders Equity": "-1.64",
"ECR before LimitedLiability": "-1.60",
"Securities": "-0.568",
"Other Assets": "-6.73",
"Loans": "7.43",
"Other Liabilities": "6.11",
"Debt": "3.23",
"Deposits": "-17.3",
"Expenses": "3.73",
"Revenues": "-2.84",
"Net Income": "0.455",
"Selling and Marketing Expense": "0.524",
"Operating Expenses": "2.07",
"Labor and Related Expense": "0.589",
"General and Administrative Expense": "0.475",
"Other Revenues": "-2.84",
"Comprehensive Net Income": "0.469",
"Economic Capital Ratio": "-2.30"
},
"2018": {
"Other Assets": "-5.89",
"Assets": "0.603",
"Liabilities": "-2.61",
"Stockholders Equity": "-1.78",
"ECR before LimitedLiability": "-1.67",
"Notes Receivable": "-1.12",
"Securities": "-0.451",
"Loans": "7.37",
"Deposits": "-16.1",
"Other Liabilities": "6.60",
"Debt": "2.75",
"Expenses": "3.58",
"Revenues": "-2.29",
"Net Income": "0.624",
"Labor and Related Expense": "0.506",
"Other Expenses": "0.599",
"Selling and Marketing Expense": "0.521",
"Operating Expenses": "1.23",
"Other Revenues": "-2.29",
"Comprehensive Net Income": "0.713",
"Economic Capital Ratio": "-1.94"
},
"2019": {
"Other Assets": "-4.76",
"Assets": "0.870",
"Liabilities": "-2.22",
"Expenses": "3.05",
"Revenues": "-2.30",
"Stockholders Equity": "-1.16",
"ECR before LimitedLiability": "-1.38",
"Cash and Cash Equivalents": "0.761",
"Notes Receivable": "-2.05",
"Loans": "7.02",
"Securities": "-0.443",
"Deposits": "-17.2",
"Debt": "4.13",
"Other Liabilities": "6.67",
"General and Administrative Expense": "0.355",
"Other Expenses": "0.327",
"Operating Expenses": "0.597",
"Selling and Marketing Expense": "0.679",
"Labor and Related Expense": "0.564",
"Other Revenues": "-2.30",
"Economic Capital Ratio": "-1.57"
},
"2020": {
"Other Liabilities": "6.49",
"Liabilities": "-2.15",
"Stockholders Equity": "-2.19",
"ECR before LimitedLiability": "-3.01",
"Deposits": "-18.8",
"Debt": "3.50",
"Expenses": "1.43",
"General and Administrative Expense": "0.498",
"Selling and Marketing Expense": "0.641",
"Operating Expenses": "1.14",
"Labor and Related Expense": "-0.593",
"Occupancy": "-0.330",
"Other Revenues": "-3.00",
"Revenues": "-3.00",
"Notes Receivable": "-4.77",
"Other Assets": "-5.55",
"Loans": "7.75",
"Cash and Cash Equivalents": "1.53",
"Securities": "-0.364",
"Economic Capital Ratio": "-3.35",
"Other Net Income": "1.62"
},
"2021": {
"Other Liabilities": "5.77",
"Liabilities": "-2.61",
"Stockholders Equity": "-2.47",
"ECR before LimitedLiability": "-4.47",
"Deposits": "-17.5",
"Debt": "3.58",
"Selling and Marketing Expense": "0.679",
"Expenses": "1.88",
"Net Income": "-0.928",
"Operating Expenses": "1.06",
"General and Administrative Expense": "0.688",
"Other Revenues": "-3.48",
"Revenues": "-3.48",
"Securities": "-0.351",
"Loans": "6.38",
"Other Assets": "-2.70",
"Notes Receivable": "-5.72",
"Cash and Cash Equivalents": "0.906",
"Comprehensive Net Income": "-1.00",
"Other Net Income": "1.03",
"Economic Capital Ratio": "-4.91"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0000921183_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "27,561",
"Debt": "0",
"Deposits": "592,811",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "236",
"Labor and Related Expense": "0",
"Loans": "551,171",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "103,291",
"Other Compr. Net Income": "-606",
"Other Expenses": "4,122",
"Other Liabilities": "13,057",
"Other Net Income": "10,472",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "682,023",
"Liabilities": "606,104",
"Expenses": "4,122",
"Revenues": "0",
"Stockholders Equity": "75,919",
"Net Income": "6,350",
"Comprehensive Net Income": "5,744",
"BaseVar": "651,664",
"ECR before LimitedLiability": "6.8%",
"Economic Capital Ratio": "14%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "37,564",
"Debt": "0",
"Deposits": "635,601",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "146",
"Labor and Related Expense": "0",
"Loans": "585,931",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "99,190",
"Other Compr. Net Income": "-137",
"Other Expenses": "4,402",
"Other Liabilities": "6,120",
"Other Net Income": "8,806",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "722,685",
"Liabilities": "641,867",
"Expenses": "4,402",
"Revenues": "0",
"Stockholders Equity": "80,818",
"Net Income": "4,404",
"Comprehensive Net Income": "4,267",
"BaseVar": "688,948",
"ECR before LimitedLiability": "6.5%",
"Economic Capital Ratio": "14%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "20,709",
"Debt": "0",
"Deposits": "623,352",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "346",
"Labor and Related Expense": "0",
"Loans": "586,688",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "104,918",
"Other Compr. Net Income": "-69",
"Other Expenses": "2,888",
"Other Liabilities": "5,470",
"Other Net Income": "11,124",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "712,315",
"Liabilities": "629,168",
"Expenses": "2,888",
"Revenues": "0",
"Stockholders Equity": "83,147",
"Net Income": "8,236",
"Comprehensive Net Income": "8,167",
"BaseVar": "677,782",
"ECR before LimitedLiability": "7.4%",
"Economic Capital Ratio": "15%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "44,399",
"Debt": "0",
"Deposits": "673,870",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "420",
"Labor and Related Expense": "0",
"Loans": "596,392",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "136,848",
"Other Compr. Net Income": "1,142",
"Other Expenses": "3,324",
"Other Liabilities": "10,701",
"Other Net Income": "11,117",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "777,639",
"Liabilities": "684,991",
"Expenses": "3,324",
"Revenues": "0",
"Stockholders Equity": "92,648",
"Net Income": "7,793",
"Comprehensive Net Income": "8,935",
"BaseVar": "739,106",
"ECR before LimitedLiability": "7.6%",
"Economic Capital Ratio": "15%"
}
},
"2020": {
"input_variables": {
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"Debt": "0",
"Deposits": "795,204",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "140",
"Labor and Related Expense": "15,646",
"Loans": "642,630",
"Notes Receivable": "0",
"Occupancy": "4,429",
"Operating Expenses": "0",
"Other Assets": "180,681",
"Other Compr. Net Income": "1,236",
"Other Expenses": "9,581",
"Other Liabilities": "10,984",
"Other Net Income": "35,940",
"Other Revenues": "1,190",
"Professional Fees": "1,405",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "909,580",
"Liabilities": "806,328",
"Expenses": "31,061",
"Revenues": "1,190",
"Stockholders Equity": "103,252",
"Net Income": "6,069",
"Comprehensive Net Income": "7,305",
"BaseVar": "892,668",
"ECR before LimitedLiability": "6.9%",
"Economic Capital Ratio": "14%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "94,143",
"Debt": "0",
"Deposits": "950,666",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "63",
"Labor and Related Expense": "16,114",
"Loans": "652,502",
"Notes Receivable": "0",
"Occupancy": "4,372",
"Operating Expenses": "0",
"Other Assets": "322,893",
"Other Compr. Net Income": "-2,865",
"Other Expenses": "11,102",
"Other Liabilities": "8,778",
"Other Net Income": "38,893",
"Other Revenues": "3,017",
"Professional Fees": "1,438",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,069,538",
"Liabilities": "959,507",
"Expenses": "33,026",
"Revenues": "3,017",
"Stockholders Equity": "110,031",
"Net Income": "8,884",
"Comprehensive Net Income": "6,019",
"BaseVar": "1,053,423",
"ECR before LimitedLiability": "6.0%",
"Economic Capital Ratio": "14%"
}
}
},
"top_rated": false,
"trend": -27.0,
"value": 0.1382491692272521,
"company_index": "https://www.realrate-archive.com/us_savings/2021/industry_indexes/0000921183.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0000921183.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0000921183.svg"
},
{
"company_id": "0000792966",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0000792966.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0000792966.svg",
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"name": "Farmers Merchants Bancorp INC",
"rank": 78,
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"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 8.4% points.The greatest weakness of Farmers Merchants 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 14%, being 4.9% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0000792966_2022_Farmers_Merchants_Bancorp_INC.pdf",
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"Labor and Related Expense": "0.560",
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"Economic Capital Ratio": "-0.895",
"Other Net Income": "1.27"
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"Economic Capital Ratio": "-4.91"
}
},
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"Occupancy": "1,757",
"Operating Expenses": "0",
"Other Assets": "276,564",
"Other Compr. Net Income": "-829",
"Other Expenses": "28,445",
"Other Liabilities": "44,086",
"Other Net Income": "40,281",
"Other Revenues": "0",
"Professional Fees": "928",
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"Selling and Marketing Expense": "4,318"
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"ECR before LimitedLiability": "7.2%",
"Economic Capital Ratio": "15%"
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},
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{
"company_id": "0001531031",
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"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001531031.svg",
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"name": "Esquire Financial Holdings Inc",
"rank": 79,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001531031.svg",
"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 Loans, increasing the Economic Capital Ratio by 7.4% points.The greatest weakness of Esquire Financial Holdings 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 4.9% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001531031_2022_Esquire_Financial_Holdings_Inc.pdf",
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"Securities": "-0.510",
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"Economic Capital Ratio": "-1.91"
},
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},
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{
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"name": "IF Bancorp Inc",
"rank": 80,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 Loans, increasing the Economic Capital Ratio by 7.1% 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 14%, being 4.9% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001514743_2022_IF_Bancorp_Inc.pdf",
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"Stockholders Equity": "-1.52",
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"Operating Expenses": "0.622",
"Selling and Marketing Expense": "0.707",
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"Securities": "-0.462",
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"Other Compr. Net Income": "0.337"
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"Liabilities": "-2.45",
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"Other Net Income": "0.678",
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"Other Compr. Net Income": "0.429"
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"Liabilities": "-2.76",
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"Selling and Marketing Expense": "0.676",
"Expenses": "2.35",
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"General and Administrative Expense": "0.685",
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"Revenues": "-3.53",
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"Notes Receivable": "-5.70",
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"Comprehensive Net Income": "-1.21",
"Other Net Income": "0.450",
"Economic Capital Ratio": "-4.95"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001514743_strength_weakness.svg",
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"General and Administrative Expense": "0",
"Interest Expense": "0",
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"Operating Expenses": "0",
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"Other Compr. Net Income": "-2,556",
"Other Expenses": "2,274",
"Other Liabilities": "62,304",
"Other Net Income": "6,193",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "501,505",
"Expenses": "2,274",
"Revenues": "0",
"Stockholders Equity": "83,969",
"Net Income": "3,919",
"Comprehensive Net Income": "1,363",
"BaseVar": "549,001",
"ECR before LimitedLiability": "8.0%",
"Economic Capital Ratio": "15%"
}
},
"2018": {
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"Deposits": "480,421",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "188",
"Labor and Related Expense": "9,732",
"Loans": "476,480",
"Notes Receivable": "0",
"Occupancy": "761",
"Operating Expenses": "0",
"Other Assets": "157,689",
"Other Compr. Net Income": "-2,535",
"Other Expenses": "8,236",
"Other Liabilities": "76,639",
"Other Net Income": "18,811",
"Other Revenues": "1,273",
"Professional Fees": "352",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "557,248",
"Expenses": "19,081",
"Revenues": "1,273",
"Stockholders Equity": "81,675",
"Net Income": "1,003",
"Comprehensive Net Income": "-1,532",
"BaseVar": "618,936",
"ECR before LimitedLiability": "6.6%",
"Economic Capital Ratio": "14%"
}
},
"2019": {
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"Debt": "0",
"Deposits": "607,023",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "801",
"Labor and Related Expense": "10,644",
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"Notes Receivable": "0",
"Occupancy": "887",
"Operating Expenses": "0",
"Other Assets": "176,496",
"Other Compr. Net Income": "3,673",
"Other Expenses": "6,179",
"Other Liabilities": "33,585",
"Other Net Income": "19,695",
"Other Revenues": "1,282",
"Professional Fees": "355",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "641,409",
"Expenses": "18,065",
"Revenues": "1,282",
"Stockholders Equity": "82,461",
"Net Income": "2,912",
"Comprehensive Net Income": "6,585",
"BaseVar": "703,997",
"ECR before LimitedLiability": "7.0%",
"Economic Capital Ratio": "15%"
}
},
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"Debt": "0",
"Deposits": "601,700",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "537",
"Labor and Related Expense": "11,070",
"Loans": "509,817",
"Notes Receivable": "0",
"Occupancy": "943",
"Operating Expenses": "0",
"Other Assets": "192,233",
"Other Compr. Net Income": "3,638",
"Other Expenses": "6,270",
"Other Liabilities": "50,716",
"Other Net Income": "20,888",
"Other Revenues": "1,375",
"Professional Fees": "442",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "652,953",
"Expenses": "18,725",
"Revenues": "1,375",
"Stockholders Equity": "82,564",
"Net Income": "3,538",
"Comprehensive Net Income": "7,176",
"BaseVar": "716,548",
"ECR before LimitedLiability": "7.0%",
"Economic Capital Ratio": "15%"
}
},
"2021": {
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"Debt": "0",
"Deposits": "667,632",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "199",
"Labor and Related Expense": "11,897",
"Loans": "513,371",
"Notes Receivable": "0",
"Occupancy": "900",
"Operating Expenses": "0",
"Other Assets": "221,235",
"Other Compr. Net Income": "-2,270",
"Other Expenses": "6,958",
"Other Liabilities": "44,206",
"Other Net Income": "23,453",
"Other Revenues": "1,446",
"Professional Fees": "491",
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"Selling and Marketing Expense": "0"
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"Revenues": "1,446",
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},
{
"company_id": "0001556727",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001556727.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001556727.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001556727.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001556727_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001556727_main_keyfigs.svg",
"name": "First Northwest Bancorp",
"rank": 81,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 Loans, increasing the Economic Capital Ratio by 8.5% points.The greatest weakness of First Northwest Bancorp is the variable Deposits, reducing the Economic Capital Ratio by 14% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 5.1% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001556727_2022_First_Northwest_Bancorp.pdf",
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"Stockholders Equity": "1.82",
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"Deposits": "-10.9",
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"Expenses": "4.88",
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"Comprehensive Net Income": "0.567",
"Selling and Marketing Expense": "0.877",
"General and Administrative Expense": "0.972",
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"Operating Expenses": "2.67",
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"Other Net Income": "-0.553",
"Economic Capital Ratio": "0.414"
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"Assets": "1.20",
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"Revenues": "-2.26",
"Economic Capital Ratio": "-1.74",
"Other Net Income": "-0.943"
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"Stockholders Equity": "-0.456",
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"Labor and Related Expense": "0.549",
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"Economic Capital Ratio": "-1.06",
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"Labor and Related Expense": "0.781",
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"Other Revenues": "-2.98",
"Revenues": "-2.98",
"Economic Capital Ratio": "-3.19",
"Other Compr. Net Income": "0.368",
"Other Net Income": "-0.921"
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"Liabilities": "-3.77",
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"Loans": "8.49",
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"Net Income": "-0.931",
"Operating Expenses": "1.03",
"Labor and Related Expense": "1.02",
"General and Administrative Expense": "0.673",
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"Comprehensive Net Income": "-0.994",
"Other Net Income": "-1.16",
"Economic Capital Ratio": "-5.10"
}
},
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"Other Expenses": "1,457",
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"Other Net Income": "5,449",
"Other Revenues": "0",
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"Revenues": "0",
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"Comprehensive Net Income": "5,137",
"BaseVar": "919,257",
"ECR before LimitedLiability": "11%",
"Economic Capital Ratio": "17%"
}
},
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"Other Expenses": "2,077",
"Other Liabilities": "15,537",
"Other Net Income": "11,091",
"Other Revenues": "0",
"Professional Fees": "0",
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},
"output_variables": {
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"Expenses": "2,077",
"Revenues": "0",
"Stockholders Equity": "176,851",
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"Comprehensive Net Income": "12,206",
"BaseVar": "1,227,090",
"ECR before LimitedLiability": "8.3%",
"Economic Capital Ratio": "16%"
}
},
"2020": {
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"Debt": "109,977",
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"General and Administrative Expense": "0",
"Interest Expense": "0",
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"Labor and Related Expense": "0",
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"Operating Expenses": "0",
"Other Assets": "512,380",
"Other Compr. Net Income": "6,981",
"Other Expenses": "2,954",
"Other Liabilities": "24,419",
"Other Net Income": "13,294",
"Other Revenues": "0",
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},
"output_variables": {
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"Expenses": "2,954",
"Revenues": "0",
"Stockholders Equity": "186,383",
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"BaseVar": "1,572,772",
"ECR before LimitedLiability": "7.1%",
"Economic Capital Ratio": "15%"
}
},
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"Debt": "0",
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},
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}
}
},
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"trend": -38.0,
"value": 0.13636016064134307,
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0001556727.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0001556727.svg"
},
{
"company_id": "0001070296",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001070296.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001070296.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001070296.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001070296_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001070296_main_keyfigs.svg",
"name": "First Capital INC",
"rank": 82,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 Assets, increasing the Economic Capital Ratio by 5.7% 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 14%, being 5.1% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001070296_2022_First_Capital_INC.pdf",
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"Other Assets": "5.31",
"Notes Receivable": "-1.43",
"Deposits": "-19.1",
"Other Liabilities": "5.72",
"Debt": "3.85",
"Expenses": "5.31",
"Revenues": "-3.74",
"Net Income": "0.914",
"Selling and Marketing Expense": "1.03",
"General and Administrative Expense": "1.15",
"Labor and Related Expense": "0.608",
"Other Expenses": "-1.12",
"Operating Expenses": "3.19",
"Other Revenues": "-3.74",
"Comprehensive Net Income": "0.677",
"Economic Capital Ratio": "-3.23"
},
"2017": {
"Notes Receivable": "-1.30",
"Assets": "0.722",
"Liabilities": "-2.77",
"Stockholders Equity": "-1.83",
"ECR before LimitedLiability": "-1.44",
"Securities": "-0.563",
"Cash and Cash Equivalents": "-1.54",
"Other Assets": "4.56",
"Other Liabilities": "6.19",
"Debt": "3.21",
"Deposits": "-16.9",
"Expenses": "3.89",
"Revenues": "-2.82",
"Net Income": "0.762",
"Selling and Marketing Expense": "0.520",
"Operating Expenses": "2.05",
"Labor and Related Expense": "0.584",
"General and Administrative Expense": "0.471",
"Other Revenues": "-2.82",
"Comprehensive Net Income": "0.854",
"Economic Capital Ratio": "-2.14"
},
"2018": {
"Other Assets": "5.09",
"Assets": "0.502",
"Liabilities": "-2.89",
"Stockholders Equity": "-2.14",
"ECR before LimitedLiability": "-2.17",
"Notes Receivable": "-1.15",
"Cash and Cash Equivalents": "-1.23",
"Loans": "-0.797",
"Deposits": "-16.3",
"Other Liabilities": "6.17",
"Debt": "2.80",
"Expenses": "3.89",
"Revenues": "-2.33",
"Net Income": "0.643",
"Labor and Related Expense": "0.517",
"Other Expenses": "0.806",
"Selling and Marketing Expense": "0.532",
"Operating Expenses": "1.25",
"Other Revenues": "-2.33",
"Comprehensive Net Income": "0.591",
"Economic Capital Ratio": "-2.44"
},
"2019": {
"Other Assets": "4.51",
"Assets": "0.768",
"Liabilities": "-2.10",
"Stockholders Equity": "-1.12",
"ECR before LimitedLiability": "-0.754",
"Cash and Cash Equivalents": "-1.26",
"Notes Receivable": "-1.99",
"Loans": "0.802",
"Deposits": "-17.9",
"Debt": "4.04",
"Other Liabilities": "7.26",
"Expenses": "3.13",
"Revenues": "-2.26",
"Comprehensive Net Income": "0.864",
"Other Expenses": "0.468",
"Operating Expenses": "0.582",
"Selling and Marketing Expense": "0.662",
"Labor and Related Expense": "0.549",
"Other Revenues": "-2.26",
"Other Compr. Net Income": "0.458",
"Economic Capital Ratio": "-0.944"
},
"2020": {
"Other Liabilities": "6.79",
"Liabilities": "-2.46",
"Stockholders Equity": "-2.30",
"Notes Receivable": "-4.68",
"ECR before LimitedLiability": "-2.67",
"Deposits": "-19.9",
"Debt": "3.43",
"Expenses": "2.24",
"Revenues": "-2.60",
"Comprehensive Net Income": "0.426",
"General and Administrative Expense": "0.487",
"Selling and Marketing Expense": "0.627",
"Operating Expenses": "1.12",
"Other Revenues": "-2.60",
"Other Assets": "6.14",
"Loans": "3.24",
"Cash and Cash Equivalents": "-1.95",
"Securities": "-0.355",
"Other Compr. Net Income": "0.394",
"Other Net Income": "0.656",
"Economic Capital Ratio": "-3.01"
},
"2021": {
"Other Liabilities": "5.61",
"Liabilities": "-2.95",
"Stockholders Equity": "-2.63",
"ECR before LimitedLiability": "-4.67",
"Deposits": "-18.0",
"Debt": "3.58",
"Selling and Marketing Expense": "0.681",
"Expenses": "2.59",
"Net Income": "-0.793",
"Operating Expenses": "1.06",
"General and Administrative Expense": "0.690",
"Other Revenues": "-3.25",
"Revenues": "-3.25",
"Securities": "-0.353",
"Loans": "2.09",
"Other Assets": "5.74",
"Notes Receivable": "-5.74",
"Cash and Cash Equivalents": "-2.37",
"Comprehensive Net Income": "-1.01",
"Other Net Income": "0.250",
"Economic Capital Ratio": "-5.11"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001070296_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "664,650",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "133",
"Labor and Related Expense": "0",
"Loans": "381,154",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "362,504",
"Other Compr. Net Income": "-2,787",
"Other Expenses": "2,523",
"Other Liabilities": "3,033",
"Other Net Income": "9,400",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "743,658",
"Liabilities": "667,816",
"Expenses": "2,523",
"Revenues": "0",
"Stockholders Equity": "75,842",
"Net Income": "6,877",
"Comprehensive Net Income": "4,090",
"BaseVar": "713,092",
"ECR before LimitedLiability": "6.0%",
"Economic Capital Ratio": "14%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "664,562",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "107",
"Labor and Related Expense": "0",
"Loans": "409,618",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "349,338",
"Other Compr. Net Income": "556",
"Other Expenses": "3,103",
"Other Liabilities": "13,237",
"Other Net Income": "10,555",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "758,956",
"Liabilities": "677,906",
"Expenses": "3,103",
"Revenues": "0",
"Stockholders Equity": "81,050",
"Net Income": "7,452",
"Comprehensive Net Income": "8,008",
"BaseVar": "725,538",
"ECR before LimitedLiability": "6.8%",
"Economic Capital Ratio": "14%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "701,646",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "150",
"Labor and Related Expense": "0",
"Loans": "434,260",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "359,902",
"Other Compr. Net Income": "-1,430",
"Other Expenses": "1,394",
"Other Liabilities": "6,410",
"Other Net Income": "10,660",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "794,162",
"Liabilities": "708,206",
"Expenses": "1,394",
"Revenues": "0",
"Stockholders Equity": "85,956",
"Net Income": "9,266",
"Comprehensive Net Income": "7,836",
"BaseVar": "757,926",
"ECR before LimitedLiability": "6.8%",
"Economic Capital Ratio": "14%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "722,177",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "210",
"Labor and Related Expense": "0",
"Loans": "466,494",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "361,002",
"Other Compr. Net Income": "5,606",
"Other Expenses": "1,987",
"Other Liabilities": "6,161",
"Other Net Income": "12,325",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "827,496",
"Liabilities": "728,548",
"Expenses": "1,987",
"Revenues": "0",
"Stockholders Equity": "98,948",
"Net Income": "10,338",
"Comprehensive Net Income": "15,944",
"BaseVar": "787,981",
"ECR before LimitedLiability": "8.4%",
"Economic Capital Ratio": "16%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "900,461",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "153",
"Labor and Related Expense": "13,808",
"Loans": "500,331",
"Notes Receivable": "0",
"Occupancy": "1,775",
"Operating Expenses": "0",
"Other Assets": "517,220",
"Other Compr. Net Income": "4,667",
"Other Expenses": "8,464",
"Other Liabilities": "6,186",
"Other Net Income": "28,807",
"Other Revenues": "6,197",
"Professional Fees": "693",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,017,551",
"Liabilities": "906,800",
"Expenses": "24,740",
"Revenues": "6,197",
"Stockholders Equity": "110,751",
"Net Income": "10,264",
"Comprehensive Net Income": "14,931",
"BaseVar": "994,381",
"ECR before LimitedLiability": "7.3%",
"Economic Capital Ratio": "15%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "1,035,562",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "97",
"Labor and Related Expense": "14,537",
"Loans": "483,287",
"Notes Receivable": "0",
"Occupancy": "1,770",
"Operating Expenses": "0",
"Other Assets": "673,316",
"Other Compr. Net Income": "-5,101",
"Other Expenses": "9,436",
"Other Liabilities": "7,004",
"Other Net Income": "31,424",
"Other Revenues": "6,896",
"Professional Fees": "1,028",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,156,603",
"Liabilities": "1,042,663",
"Expenses": "26,771",
"Revenues": "6,896",
"Stockholders Equity": "113,940",
"Net Income": "11,549",
"Comprehensive Net Income": "6,448",
"BaseVar": "1,134,729",
"ECR before LimitedLiability": "5.8%",
"Economic Capital Ratio": "14%"
}
}
},
"top_rated": false,
"trend": -43.0,
"value": 0.13627089166394413,
"company_index": "https://www.realrate-archive.com/us_savings/2021/industry_indexes/0001070296.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0001070296.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0001070296.svg"
},
{
"company_id": "0001500375",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001500375.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001500375.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001500375.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001500375_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001500375_main_keyfigs.svg",
"name": "Home Federal Bancorp Inc of Louisiana",
"rank": 83,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001500375.svg",
"report_text": "The relative strengths and weaknesses of Home Federal Bancorp Inc of Louisiana 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 Federal Bancorp Inc of Louisiana compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 10% points.The greatest weakness of Home Federal Bancorp Inc of Louisiana is the variable Deposits, reducing the Economic Capital Ratio by 19% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 5.1% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001500375_2022_Home_Federal_Bancorp_Inc_of_Louisiana.pdf",
"shrinked_graph_json": {
"2016": {
"Cash and Cash Equivalents": "-1.52",
"Assets": "1.55",
"Liabilities": "-3.08",
"Stockholders Equity": "-1.34",
"ECR before LimitedLiability": "-1.18",
"Other Assets": "-4.30",
"Notes Receivable": "-1.37",
"Loans": "7.30",
"Deposits": "-10.7",
"Other Liabilities": "3.76",
"Debt": "3.73",
"Expenses": "5.37",
"Revenues": "-3.63",
"Net Income": "0.852",
"Selling and Marketing Expense": "0.994",
"General and Administrative Expense": "1.10",
"Other Expenses": "-1.16",
"Operating Expenses": "3.07",
"Other Revenues": "-3.63",
"Comprehensive Net Income": "0.933",
"Economic Capital Ratio": "-2.44"
},
"2017": {
"Notes Receivable": "-1.31",
"Assets": "0.783",
"Liabilities": "-2.77",
"Stockholders Equity": "-1.78",
"ECR before LimitedLiability": "-1.62",
"Securities": "-0.568",
"Cash and Cash Equivalents": "-1.56",
"Other Assets": "-3.10",
"Loans": "6.18",
"Other Liabilities": "4.68",
"Debt": "3.23",
"Deposits": "-10.5",
"Expenses": "3.92",
"Revenues": "-2.84",
"Net Income": "0.662",
"Selling and Marketing Expense": "0.524",
"Operating Expenses": "2.07",
"Labor and Related Expense": "0.589",
"Other Revenues": "-2.84",
"Comprehensive Net Income": "0.606",
"Economic Capital Ratio": "-2.32"
},
"2018": {
"Other Assets": "-3.20",
"Assets": "0.496",
"Liabilities": "-2.75",
"Stockholders Equity": "-2.03",
"ECR before LimitedLiability": "-2.27",
"Notes Receivable": "-1.16",
"Securities": "-0.467",
"Cash and Cash Equivalents": "-1.24",
"Loans": "6.07",
"Deposits": "-14.3",
"Other Liabilities": "5.95",
"Debt": "2.81",
"Expenses": "3.57",
"Labor and Related Expense": "0.521",
"Other Expenses": "0.509",
"Selling and Marketing Expense": "0.536",
"Operating Expenses": "1.26",
"Other Revenues": "-2.34",
"Revenues": "-2.34",
"Economic Capital Ratio": "-2.54",
"Other Net Income": "-0.443"
},
"2019": {
"Other Assets": "-2.08",
"Assets": "0.787",
"Liabilities": "-2.36",
"Stockholders Equity": "-1.37",
"ECR before LimitedLiability": "-1.48",
"Cash and Cash Equivalents": "-1.31",
"Notes Receivable": "-2.06",
"Loans": "6.61",
"Securities": "-0.445",
"Deposits": "-17.8",
"Debt": "4.14",
"Other Liabilities": "6.60",
"Expenses": "3.19",
"Revenues": "-2.31",
"Comprehensive Net Income": "0.386",
"Other Expenses": "0.441",
"Operating Expenses": "0.600",
"Selling and Marketing Expense": "0.682",
"Labor and Related Expense": "0.566",
"Other Revenues": "-2.31",
"Economic Capital Ratio": "-1.67"
},
"2020": {
"Notes Receivable": "13.0",
"Assets": "0.725",
"Liabilities": "-3.68",
"Expenses": "4.40",
"Stockholders Equity": "-2.67",
"ECR before LimitedLiability": "-3.61",
"Other Assets": "-2.19",
"Loans": "-11.4",
"Cash and Cash Equivalents": "-2.00",
"Other Liabilities": "5.94",
"Deposits": "-20.5",
"Debt": "3.45",
"General and Administrative Expense": "0.496",
"Selling and Marketing Expense": "0.638",
"Operating Expenses": "1.14",
"Labor and Related Expense": "0.810",
"Other Expenses": "0.511",
"Other Revenues": "-3.07",
"Revenues": "-3.07",
"Economic Capital Ratio": "-3.95",
"Other Net Income": "-0.857"
},
"2021": {
"Assets": "0.901",
"Liabilities": "-3.87",
"Stockholders Equity": "-2.69",
"ECR before LimitedLiability": "-4.67",
"Loans": "-10.4",
"Other Assets": "1.51",
"Notes Receivable": "10.4",
"Cash and Cash Equivalents": "-2.32",
"Other Liabilities": "5.53",
"Deposits": "-18.7",
"Debt": "3.50",
"Expenses": "4.51",
"Revenues": "-3.61",
"Net Income": "-0.799",
"Operating Expenses": "1.03",
"Labor and Related Expense": "1.02",
"General and Administrative Expense": "0.674",
"Other Revenues": "-3.61",
"Comprehensive Net Income": "-0.755",
"Other Net Income": "-0.957",
"Economic Capital Ratio": "-5.11"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001500375_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "287,822",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "290,827",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "90,874",
"Other Compr. Net Income": "-16",
"Other Expenses": "1,644",
"Other Liabilities": "50,487",
"Other Net Income": "5,021",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "381,701",
"Liabilities": "338,309",
"Expenses": "1,644",
"Revenues": "0",
"Stockholders Equity": "43,392",
"Net Income": "3,377",
"Comprehensive Net Income": "3,361",
"BaseVar": "363,346",
"ECR before LimitedLiability": "7.0%",
"Economic Capital Ratio": "15%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "329,045",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "312,772",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "113,834",
"Other Compr. Net Income": "-436",
"Other Expenses": "1,758",
"Other Liabilities": "51,315",
"Other Net Income": "5,410",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "426,606",
"Liabilities": "380,360",
"Expenses": "1,758",
"Revenues": "0",
"Stockholders Equity": "46,246",
"Net Income": "3,652",
"Comprehensive Net Income": "3,216",
"BaseVar": "407,285",
"ECR before LimitedLiability": "6.5%",
"Economic Capital Ratio": "14%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "360,260",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "317,493",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "104,157",
"Other Compr. Net Income": "-694",
"Other Expenses": "2,252",
"Other Liabilities": "14,353",
"Other Net Income": "5,820",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "421,650",
"Liabilities": "374,613",
"Expenses": "2,252",
"Revenues": "0",
"Stockholders Equity": "47,037",
"Net Income": "3,568",
"Comprehensive Net Income": "2,874",
"BaseVar": "402,514",
"ECR before LimitedLiability": "6.6%",
"Economic Capital Ratio": "14%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "388,164",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "324,134",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "118,319",
"Other Compr. Net Income": "1,066",
"Other Expenses": "1,283",
"Other Liabilities": "3,947",
"Other Net Income": "6,026",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "442,453",
"Liabilities": "392,111",
"Expenses": "1,283",
"Revenues": "0",
"Stockholders Equity": "50,342",
"Net Income": "4,743",
"Comprehensive Net Income": "5,809",
"BaseVar": "421,470",
"ECR before LimitedLiability": "7.4%",
"Economic Capital Ratio": "15%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "460,810",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "359,927",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "158,293",
"Other Compr. Net Income": "895",
"Other Expenses": "957",
"Other Liabilities": "6,875",
"Other Net Income": "4,807",
"Other Revenues": "0",
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{
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"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001504008.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001504008.svg",
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"name": "Bankunited Inc",
"rank": 84,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 Deposits, reducing the Economic Capital Ratio by 13% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 5.1% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001504008_2022_Bankunited_Inc.pdf",
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"Economic Capital Ratio": "-4.84"
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"Other Liabilities": "5,066,585",
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"Expenses": "577,987",
"Revenues": "47,280",
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"BaseVar": "32,133,790",
"ECR before LimitedLiability": "5.6%",
"Economic Capital Ratio": "14%"
}
},
"2020": {
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"General and Administrative Expense": "0",
"Interest Expense": "0",
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"Occupancy": "48,237",
"Operating Expenses": "58,108",
"Other Assets": "34,612,777",
"Other Compr. Net Income": "-17,325",
"Other Expenses": "173,486",
"Other Liabilities": "3,809,170",
"Other Net Income": "663,376",
"Other Revenues": "43,172",
"Professional Fees": "11,708",
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"output_variables": {
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"Expenses": "508,695",
"Revenues": "43,172",
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}
},
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0001504008.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0001504008.svg"
},
{
"company_id": "0001077771",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001077771.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001077771.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001077771.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001077771_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001077771_main_keyfigs.svg",
"name": "Umpqua Holdings CORP",
"rank": 85,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001077771.svg",
"report_text": "The relative strengths and weaknesses of Umpqua 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 Umpqua Holdings CORP compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 8.7% points.The greatest weakness of Umpqua Holdings CORP is the variable Deposits, reducing the Economic Capital Ratio by 16% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 5.1% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001077771_2022_Umpqua_Holdings_CORP.pdf",
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}
},
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{
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"rank": 86,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 Notes Receivable, increasing the Economic Capital Ratio by 8.2% points.The greatest weakness of Northrim 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 5.2% points below the market average of 19%.",
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{
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"name": "Salisbury Bancorp INC",
"rank": 87,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 9.1% points.The greatest weakness of Salisbury Bancorp 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 14%, being 5.2% points below the market average of 19%.",
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"report_text": "The relative strengths and weaknesses of Western New England 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 Western New England Bancorp Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 8.9% points.The greatest weakness of Western New England Bancorp 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 13%, being 5.3% points below the market average of 19%.",
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"Economic Capital Ratio": "14%"
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"Operating Expenses": "0",
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"Other Expenses": "2,941",
"Other Liabilities": "43,266",
"Other Net Income": "14,156",
"Other Revenues": "0",
"Professional Fees": "0",
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"Liabilities": "2,139,246",
"Expenses": "2,941",
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"Economic Capital Ratio": "13%"
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},
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"Other Net Income": "31,724",
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"Economic Capital Ratio": "13%"
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{
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"name": "Korth Direct Mortgage Inc",
"rank": 90,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 52% points.
The company's Economic Capital Ratio, given in the ranking table, is 13%, being 5.3% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001695963_2022_Korth_Direct_Mortgage_Inc.pdf",
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"Liabilities": "-2.08",
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"Liabilities": "87,764",
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"Revenues": "590",
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},
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"Other Expenses": "-594",
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"Other Net Income": "1,263",
"Other Revenues": "2,773",
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"Securities": "329",
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"Liabilities": "185,471",
"Expenses": "3,310",
"Revenues": "2,773",
"Stockholders Equity": "6,387",
"Net Income": "726",
"Comprehensive Net Income": "726",
"BaseVar": "192,337",
"ECR before LimitedLiability": "2.1%",
"Economic Capital Ratio": "10%"
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},
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},
{
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"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001126961.svg",
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"name": "Grandsouth Bancorporation",
"rank": 91,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001126961.svg",
"report_text": "The relative strengths and weaknesses of Grandsouth Bancorporation 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 Grandsouth Bancorporation compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Grandsouth Bancorporation 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 5.3% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001126961_2022_Grandsouth_Bancorporation.pdf",
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}
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{
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"name": "Bankfinancial CORP",
"rank": 92,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001303942.svg",
"report_text": "The relative strengths and weaknesses of Bankfinancial 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 Bankfinancial CORP compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 6.1% points.The greatest weakness of Bankfinancial CORP is the variable Deposits, reducing the Economic Capital Ratio by 16% points.
The company's Economic Capital Ratio, given in the ranking table, is 13%, being 5.5% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001303942_2022_Bankfinancial_CORP.pdf",
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"Liabilities": "-3.21",
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}
},
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"Operating Expenses": "0",
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"Other Compr. Net Income": "0",
"Other Expenses": "4,698",
"Other Liabilities": "75,867",
"Other Net Income": "12,200",
"Other Revenues": "0",
"Professional Fees": "0",
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"Selling and Marketing Expense": "0"
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"Liabilities": "1,415,257",
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"Revenues": "0",
"Stockholders Equity": "204,780",
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"Comprehensive Net Income": "7,502",
"BaseVar": "1,526,096",
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"Economic Capital Ratio": "15%"
}
},
"2017": {
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"Expenses": "7,190",
"Revenues": "0",
"Stockholders Equity": "197,634",
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"Comprehensive Net Income": "9,004",
"BaseVar": "1,538,433",
"ECR before LimitedLiability": "7.1%",
"Economic Capital Ratio": "15%"
}
},
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"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "22,987",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "6,817",
"Operating Expenses": "0",
"Other Assets": "1,398,942",
"Other Compr. Net Income": "0",
"Other Expenses": "16,808",
"Other Liabilities": "45,691",
"Other Net Income": "60,334",
"Other Revenues": "5,531",
"Professional Fees": "0",
"Securities": "88,179",
"Selling and Marketing Expense": "848"
},
"output_variables": {
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"Liabilities": "1,398,175",
"Expenses": "47,460",
"Revenues": "5,531",
"Stockholders Equity": "187,150",
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"Comprehensive Net Income": "18,405",
"BaseVar": "1,548,412",
"ECR before LimitedLiability": "7.5%",
"Economic Capital Ratio": "15%"
}
},
"2019": {
"input_variables": {
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"Debt": "0",
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"General and Administrative Expense": "0",
"Interest Expense": "0",
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"Loans": "0",
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"Operating Expenses": "0",
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"Other Expenses": "13,874",
"Other Liabilities": "28,886",
"Other Net Income": "49,609",
"Other Revenues": "3,980",
"Professional Fees": "0",
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"Selling and Marketing Expense": "657"
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"output_variables": {
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"Liabilities": "1,313,643",
"Expenses": "42,866",
"Revenues": "3,980",
"Stockholders Equity": "174,372",
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"Comprehensive Net Income": "10,723",
"BaseVar": "1,449,056",
"ECR before LimitedLiability": "7.0%",
"Economic Capital Ratio": "15%"
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"General and Administrative Expense": "0",
"Interest Expense": "0",
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"Occupancy": "7,361",
"Operating Expenses": "0",
"Other Assets": "66,939",
"Other Compr. Net Income": "-13",
"Other Expenses": "11,431",
"Other Liabilities": "30,368",
"Other Net Income": "47,438",
"Other Revenues": "3,760",
"Professional Fees": "1,356",
"Securities": "23,829",
"Selling and Marketing Expense": "564"
},
"output_variables": {
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"Liabilities": "1,423,912",
"Expenses": "42,035",
"Revenues": "3,760",
"Stockholders Equity": "172,930",
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"Comprehensive Net Income": "9,150",
"BaseVar": "1,557,000",
"ECR before LimitedLiability": "6.3%",
"Economic Capital Ratio": "14%"
}
},
"2021": {
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"Debt": "0",
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"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
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"Operating Expenses": "0",
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"Other Expenses": "11,051",
"Other Liabilities": "54,785",
"Other Net Income": "46,914",
"Other Revenues": "3,787",
"Professional Fees": "1,336",
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"Selling and Marketing Expense": "742"
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"Liabilities": "1,543,216",
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"Revenues": "3,787",
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{
"company_id": "0001168455",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001168455.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001168455.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001168455.png",
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"rank": 93,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001168455.svg",
"report_text": "The relative strengths and weaknesses of Plumas 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 Plumas Bancorp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 5.1% points.The greatest weakness of Plumas 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 13%, being 5.5% points below the market average of 19%.",
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"Comprehensive Net Income": "1.10",
"Economic Capital Ratio": "-4.15"
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"Liabilities": "-3.37",
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"Economic Capital Ratio": "-1.61"
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"Expenses": "2.87",
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"Economic Capital Ratio": "-5.50"
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"Other Expenses": "4,759",
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"Other Net Income": "12,233",
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"BaseVar": "642,939",
"ECR before LimitedLiability": "4.8%",
"Economic Capital Ratio": "13%"
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"BaseVar": "803,786",
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},
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"Other Compr. Net Income": "4,066",
"Other Expenses": "5,868",
"Other Liabilities": "33,362",
"Other Net Income": "21,380",
"Other Revenues": "0",
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},
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"Liabilities": "780,686",
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"Revenues": "0",
"Stockholders Equity": "84,505",
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},
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{
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"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0000070502.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0000070502.svg",
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"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0000070502_main_keyfigs.svg",
"name": "National Rural Utilities Cooperative Finance CORP DC",
"rank": 94,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0000070502.svg",
"report_text": "The relative strengths and weaknesses of National Rural Utilities Cooperative Finance CORP DC 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 National Rural Utilities Cooperative Finance CORP DC compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 13% points.The greatest weakness of National Rural Utilities Cooperative Finance CORP DC is the variable Debt, reducing the Economic Capital Ratio by 73% points.
The company's Economic Capital Ratio, given in the ranking table, is 13%, being 5.5% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0000070502_2022_National_Rural_Utilities_Cooperative_Finance_CORP_DC.pdf",
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"Notes Receivable": "-1.51",
"Comprehensive Net Income": "1.14",
"ECR before LimitedLiability": "-4.08",
"Securities": "-0.655",
"Cash and Cash Equivalents": "-1.50",
"Other Assets": "11.6",
"Loans": "-15.0",
"Economic Capital Ratio": "-4.78"
},
"2018": {
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"Assets": "-0.566",
"Liabilities": "-4.17",
"Stockholders Equity": "-4.33",
"Notes Receivable": "-1.27",
"Cash and Cash Equivalents": "-1.02",
"Loans": "-15.7",
"Deposits": "8.91",
"Other Liabilities": "4.72",
"Debt": "-74.8",
"Expenses": "4.25",
"Revenues": "-2.50",
"Net Income": "1.16",
"Labor and Related Expense": "0.561",
"Other Expenses": "1.03",
"Selling and Marketing Expense": "0.577",
"Operating Expenses": "1.36",
"Other Revenues": "-2.50",
"ECR before LimitedLiability": "-3.87",
"Comprehensive Net Income": "1.25",
"Economic Capital Ratio": "-4.14"
},
"2019": {
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"Stockholders Equity": "-4.52",
"Deposits": "6.90",
"Debt": "-67.5",
"Other Liabilities": "2.81",
"Expenses": "1.93",
"Net Income": "-1.22",
"Other Expenses": "0.832",
"Operating Expenses": "0.736",
"Selling and Marketing Expense": "0.837",
"Labor and Related Expense": "0.695",
"Other Revenues": "-2.79",
"Revenues": "-2.79",
"Other Assets": "10.2",
"ECR before LimitedLiability": "-6.10",
"Cash and Cash Equivalents": "-1.39",
"Notes Receivable": "-2.63",
"Loans": "-15.8",
"Comprehensive Net Income": "-1.30",
"Other Net Income": "-2.10",
"Economic Capital Ratio": "-6.29"
},
"2021": {
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"Liabilities": "-4.70",
"Stockholders Equity": "-4.50",
"ECR before LimitedLiability": "-5.10",
"Deposits": "8.93",
"Debt": "-72.7",
"Selling and Marketing Expense": "0.683",
"Expenses": "4.73",
"Net Income": "0.651",
"Other Expenses": "0.540",
"Operating Expenses": "1.06",
"Labor and Related Expense": "1.05",
"General and Administrative Expense": "0.692",
"Other Revenues": "-3.69",
"Revenues": "-3.69",
"Loans": "-10.6",
"Other Assets": "-9.95",
"Notes Receivable": "13.2",
"Cash and Cash Equivalents": "-2.04",
"Comprehensive Net Income": "0.799",
"Economic Capital Ratio": "-5.54"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0000070502_strength_weakness.svg",
"table_records": {
"2016": {
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"Debt": "22,598,473",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "132,996",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "24,061,032",
"Other Compr. Net Income": "-1,159",
"Other Expenses": "57",
"Other Liabilities": "721,353",
"Other Net Income": "-51,459",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "24,270,200",
"Liabilities": "23,452,822",
"Expenses": "57",
"Revenues": "0",
"Stockholders Equity": "817,378",
"Net Income": "-51,516",
"Comprehensive Net Income": "-52,675",
"BaseVar": "23,887,848",
"ECR before LimitedLiability": "1.5%",
"Economic Capital Ratio": "9.9%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "188,421",
"Debt": "23,459,793",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "137,476",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "25,017,271",
"Other Compr. Net Income": "9,924",
"Other Expenses": "1,704",
"Other Liabilities": "509,618",
"Other Net Income": "313,803",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "25,205,692",
"Liabilities": "24,106,887",
"Expenses": "1,704",
"Revenues": "0",
"Stockholders Equity": "1,098,805",
"Net Income": "312,099",
"Comprehensive Net Income": "322,023",
"BaseVar": "24,819,005",
"ECR before LimitedLiability": "3.5%",
"Economic Capital Ratio": "12%"
}
},
"2018": {
"input_variables": {
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"Debt": "24,633,262",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "149,284",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "26,451,380",
"Other Compr. Net Income": "-6,809",
"Other Expenses": "2,305",
"Other Liabilities": "401,805",
"Other Net Income": "459,669",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "25,184,351",
"Expenses": "2,305",
"Revenues": "0",
"Stockholders Equity": "1,505,853",
"Net Income": "457,364",
"Comprehensive Net Income": "450,555",
"BaseVar": "26,171,669",
"ECR before LimitedLiability": "4.6%",
"Economic Capital Ratio": "13%"
}
},
"2019": {
"input_variables": {
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"Debt": "25,161,668",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "158,997",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "26,938,168",
"Other Compr. Net Income": "2,082",
"Other Expenses": "211",
"Other Liabilities": "499,825",
"Other Net Income": "-150,999",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "27,124,372",
"Liabilities": "25,820,490",
"Expenses": "211",
"Revenues": "0",
"Stockholders Equity": "1,303,882",
"Net Income": "-151,210",
"Comprehensive Net Income": "-149,128",
"BaseVar": "26,549,077",
"ECR before LimitedLiability": "1.9%",
"Economic Capital Ratio": "10%"
}
},
"2021": {
"input_variables": {
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"Debt": "27,426,194",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "123,672",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "28,341,429",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "993,573",
"Other Compr. Net Income": "-426",
"Other Expenses": "998",
"Other Liabilities": "688,618",
"Other Net Income": "814,976",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "29,638,363",
"Liabilities": "28,238,484",
"Expenses": "998",
"Revenues": "0",
"Stockholders Equity": "1,399,879",
"Net Income": "813,978",
"Comprehensive Net Income": "813,552",
"BaseVar": "29,346,624",
"ECR before LimitedLiability": "5.2%",
"Economic Capital Ratio": "13%"
}
}
},
"top_rated": false,
"trend": null,
"value": 0.13193791947361636,
"company_index": "https://www.realrate-archive.com/us_savings/2021/industry_indexes/0000070502.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0000070502.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0000070502.svg"
},
{
"company_id": "0001258602",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001258602.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001258602.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001258602.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001258602_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001258602_main_keyfigs.svg",
"name": "Nelnet INC",
"rank": 95,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0001258602.svg",
"report_text": "The relative strengths and weaknesses of Nelnet 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 Nelnet INC compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Nelnet INC 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 5.6% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001258602_2022_Nelnet_INC.pdf",
"shrinked_graph_json": {
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"Stockholders Equity": "-3.07",
"ECR before LimitedLiability": "-2.77",
"Deposits": "8.81",
"Other Liabilities": "-51.8",
"Debt": "4.03",
"Expenses": "4.12",
"Net Income": "0.962",
"Selling and Marketing Expense": "1.09",
"General and Administrative Expense": "1.21",
"Other Expenses": "-0.447",
"Operating Expenses": "1.82",
"Other Revenues": "-2.61",
"Revenues": "-2.61",
"Cash and Cash Equivalents": "-1.60",
"Securities": "-0.568",
"Other Assets": "-9.09",
"Notes Receivable": "13.0",
"Loans": "-14.2",
"Comprehensive Net Income": "1.06",
"Economic Capital Ratio": "-4.04"
},
"2017": {
"Other Liabilities": "-50.4",
"Liabilities": "-2.58",
"Stockholders Equity": "-2.68",
"ECR before LimitedLiability": "-2.44",
"Debt": "3.40",
"Deposits": "9.30",
"Expenses": "2.30",
"Net Income": "0.523",
"Selling and Marketing Expense": "0.555",
"Other Expenses": "1.05",
"Labor and Related Expense": "-0.445",
"General and Administrative Expense": "0.503",
"Other Revenues": "-1.61",
"Revenues": "-1.61",
"Notes Receivable": "13.4",
"Securities": "-0.608",
"Cash and Cash Equivalents": "-1.56",
"Other Assets": "-8.44",
"Loans": "-14.8",
"Comprehensive Net Income": "0.596",
"Economic Capital Ratio": "-3.14"
},
"2018": {
"Liabilities": "-3.00",
"Stockholders Equity": "-3.28",
"Deposits": "7.87",
"Other Liabilities": "-50.1",
"Debt": "2.68",
"Expenses": "1.30",
"Net Income": "-2.06",
"Labor and Related Expense": "0.612",
"Other Expenses": "0.608",
"Selling and Marketing Expense": "0.630",
"Operating Expenses": "-1.14",
"Other Revenues": "-2.54",
"Revenues": "-2.54",
"Other Assets": "-8.16",
"ECR before LimitedLiability": "-5.44",
"Notes Receivable": "11.1",
"Cash and Cash Equivalents": "-1.30",
"Loans": "-16.4",
"Comprehensive Net Income": "-1.95",
"Other Net Income": "-0.714",
"Economic Capital Ratio": "-5.71"
},
"2019": {
"Liabilities": "-2.42",
"Stockholders Equity": "-2.35",
"Deposits": "7.36",
"Debt": "2.40",
"Other Liabilities": "-49.2",
"Other Revenues": "-2.56",
"Revenues": "-2.56",
"Net Income": "-3.14",
"Other Assets": "-7.55",
"Comprehensive Net Income": "-3.22",
"ECR before LimitedLiability": "-5.64",
"Cash and Cash Equivalents": "-1.44",
"Notes Receivable": "10.8",
"Loans": "-15.9",
"Securities": "-0.574",
"General and Administrative Expense": "0.439",
"Operating Expenses": "-2.24",
"Selling and Marketing Expense": "0.840",
"Labor and Related Expense": "0.697",
"Other Net Income": "-0.930",
"Economic Capital Ratio": "-5.83"
},
"2020": {
"Other Liabilities": "-44.4",
"Liabilities": "-2.38",
"Stockholders Equity": "-2.28",
"Deposits": "8.05",
"Debt": "3.73",
"Expenses": "0.569",
"Revenues": "-3.18",
"Net Income": "-2.56",
"General and Administrative Expense": "0.553",
"Selling and Marketing Expense": "0.712",
"Operating Expenses": "-1.81",
"Labor and Related Expense": "0.904",
"Other Revenues": "-3.18",
"Comprehensive Net Income": "-2.52",
"ECR before LimitedLiability": "-5.30",
"Notes Receivable": "12.2",
"Other Assets": "-8.65",
"Loans": "-12.2",
"Cash and Cash Equivalents": "-2.06",
"Securities": "-0.415",
"Economic Capital Ratio": "-5.64"
},
"2021": {
"Assets": "0.708",
"Liabilities": "-1.93",
"Stockholders Equity": "-1.12",
"ECR before LimitedLiability": "-5.14",
"Loans": "-10.8",
"Other Assets": "-7.18",
"Notes Receivable": "13.1",
"Cash and Cash Equivalents": "-2.24",
"Other Liabilities": "5.02",
"Deposits": "8.86",
"Debt": "-60.8",
"Other Revenues": "-3.77",
"Revenues": "-3.77",
"Net Income": "-3.22",
"Selling and Marketing Expense": "0.700",
"Comprehensive Net Income": "-3.05",
"Other Expenses": "2.01",
"Operating Expenses": "-1.80",
"Labor and Related Expense": "-0.980",
"General and Administrative Expense": "0.710",
"Economic Capital Ratio": "-5.57"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001258602_strength_weakness.svg",
"table_records": {
"2016": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "33,933",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "45,677",
"Labor and Related Expense": "255,924",
"Loans": "0",
"Notes Receivable": "24,903,724",
"Occupancy": "0",
"Operating Expenses": "441,515",
"Other Assets": "2,206,730",
"Other Compr. Net Income": "1,696",
"Other Expenses": "-148,544",
"Other Liabilities": "25,063,506",
"Other Net Income": "359,063",
"Other Revenues": "481,266",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "25,109,183",
"Expenses": "582,828",
"Revenues": "481,266",
"Stockholders Equity": "2,070,925",
"Net Income": "257,501",
"Comprehensive Net Income": "259,197",
"BaseVar": "26,857,072",
"ECR before LimitedLiability": "5.0%",
"Economic Capital Ratio": "13%"
}
},
"2017": {
"input_variables": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "39,541",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "50,039",
"Labor and Related Expense": "301,885",
"Loans": "0",
"Notes Receivable": "21,814,507",
"Occupancy": "0",
"Operating Expenses": "495,729",
"Other Assets": "2,083,176",
"Other Compr. Net Income": "11,232",
"Other Expenses": "-276,563",
"Other Liabilities": "21,749,009",
"Other Net Income": "290,788",
"Other Revenues": "431,625",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "23,964,435",
"Liabilities": "21,799,048",
"Expenses": "560,592",
"Revenues": "431,625",
"Stockholders Equity": "2,165,387",
"Net Income": "161,821",
"Comprehensive Net Income": "173,053",
"BaseVar": "23,528,860",
"ECR before LimitedLiability": "5.5%",
"Economic Capital Ratio": "13%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "121,347",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "61,679",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "22,377,142",
"Occupancy": "0",
"Operating Expenses": "701,106",
"Other Assets": "2,722,479",
"Other Compr. Net Income": "398",
"Other Expenses": "135,262",
"Other Liabilities": "22,844,510",
"Other Net Income": "302,804",
"Other Revenues": "54,446",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "25,220,968",
"Liabilities": "22,906,189",
"Expenses": "836,368",
"Revenues": "54,446",
"Stockholders Equity": "2,314,779",
"Net Income": "-479,118",
"Comprehensive Net Income": "-478,720",
"BaseVar": "24,660,586",
"ECR before LimitedLiability": "2.8%",
"Economic Capital Ratio": "11%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "133,906",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "47,285",
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"Occupancy": "0",
"Operating Expenses": "762,824",
"Other Assets": "2,905,693",
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"Other Expenses": "137,477",
"Other Liabilities": "21,270,591",
"Other Net Income": "179,561",
"Other Revenues": "65,179",
"Professional Fees": "0",
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},
"output_variables": {
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"Liabilities": "21,317,876",
"Expenses": "900,301",
"Revenues": "65,179",
"Stockholders Equity": "2,391,094",
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"Comprehensive Net Income": "-655,963",
"BaseVar": "23,086,144",
"ECR before LimitedLiability": "2.4%",
"Economic Capital Ratio": "11%"
}
},
"2020": {
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"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "28,701",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "20,185,656",
"Occupancy": "0",
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"Other Compr. Net Income": "5,947",
"Other Expenses": "230,601",
"Other Liabilities": "19,934,477",
"Other Net Income": "493,371",
"Other Revenues": "57,561",
"Professional Fees": "0",
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"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "20,017,811",
"Expenses": "1,011,706",
"Revenues": "57,561",
"Stockholders Equity": "2,628,349",
"Net Income": "-460,774",
"Comprehensive Net Income": "-454,827",
"BaseVar": "22,116,278",
"ECR before LimitedLiability": "4.0%",
"Economic Capital Ratio": "12%"
}
},
"2021": {
"input_variables": {
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"Debt": "17,631,089",
"Deposits": "344,315",
"Depreciation and Amortization": "73,741",
"General and Administrative Expense": "0",
"Interest Expense": "0",
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"Labor and Related Expense": "507,132",
"Loans": "0",
"Notes Receivable": "18,335,197",
"Occupancy": "0",
"Operating Expenses": "726,342",
"Other Assets": "3,217,281",
"Other Compr. Net Income": "10,205",
"Other Expenses": "-340,031",
"Other Liabilities": "745,233",
"Other Net Income": "528,870",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "18,725,203",
"Expenses": "967,184",
"Revenues": "0",
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"Comprehensive Net Income": "-428,109",
"BaseVar": "20,954,752",
"ECR before LimitedLiability": "5.2%",
"Economic Capital Ratio": "13%"
}
}
},
"top_rated": false,
"trend": -12.0,
"value": 0.13160515027718592,
"company_index": "https://www.realrate-archive.com/us_savings/2021/industry_indexes/0001258602.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0001258602.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0001258602.svg"
},
{
"company_id": "0001698022",
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"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001698022.svg",
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"name": "Farmers Merchants Bancshares Inc",
"rank": 96,
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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 7.0% points.The greatest weakness of Farmers Merchants Bancshares 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 13%, being 5.8% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001698022_2022_Farmers_Merchants_Bancshares_Inc.pdf",
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{
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"name": "First Guaranty Bancshares Inc",
"rank": 97,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 Notes Receivable, increasing the Economic Capital Ratio by 12% points.The greatest weakness of First Guaranty Bancshares 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 13%, being 5.9% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001408534_2022_First_Guaranty_Bancshares_Inc.pdf",
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"ECR before LimitedLiability": "4.5%",
"Economic Capital Ratio": "13%"
}
},
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"General and Administrative Expense": "0",
"Interest Expense": "0",
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"Other Expenses": "7,158",
"Other Liabilities": "53,259",
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{
"company_id": "0000806279",
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"name": "Codorus Valley Bancorp INC",
"rank": 98,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 6.0% points.The greatest weakness of Codorus Valley 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 13%, being 6.0% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0000806279_2022_Codorus_Valley_Bancorp_INC.pdf",
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"Operating Expenses": "3.21",
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"Comprehensive Net Income": "0.775",
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"Assets": "0.522",
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"Stockholders Equity": "-2.32",
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"Economic Capital Ratio": "-2.89"
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}
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"BaseVar": "1,733,694",
"ECR before LimitedLiability": "6.3%",
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}
},
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{
"company_id": "0001070524",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001070524.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001070524.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001070524.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001070524_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001070524_main_keyfigs.svg",
"name": "Greene County Bancorp INC",
"rank": 99,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 Notes Receivable, increasing the Economic Capital Ratio by 7.2% points.The greatest weakness of Greene County Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 19% points.
The company's Economic Capital Ratio, given in the ranking table, is 13%, being 6.1% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001070524_2022_Greene_County_Bancorp_INC.pdf",
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},
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"Other Compr. Net Income": "-372",
"Other Expenses": "4,095",
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"Other Net Income": "18,503",
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},
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"Comprehensive Net Income": "19,305",
"BaseVar": "1,625,082",
"ECR before LimitedLiability": "5.2%",
"Economic Capital Ratio": "13%"
}
},
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"Other Expenses": "3,673",
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{
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"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001114927.svg",
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"name": "First Northern Community Bancorp",
"rank": 100,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 Notes Receivable, increasing the Economic Capital Ratio by 6.2% points.The greatest weakness of First Northern Community Bancorp is the variable Deposits, reducing the Economic Capital Ratio by 19% points.
The company's Economic Capital Ratio, given in the ranking table, is 13%, being 6.2% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001114927_2022_First_Northern_Community_Bancorp.pdf",
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"Liabilities": "-3.39",
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"Labor and Related Expense": "0.575",
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"Economic Capital Ratio": "-1.96"
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"Expenses": "4.36",
"Stockholders Equity": "-2.96",
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"Revenues": "-3.09",
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"Other Net Income": "-0.806"
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}
},
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"Other Compr. Net Income": "-1,855",
"Other Expenses": "4,885",
"Other Liabilities": "10,769",
"Other Net Income": "12,936",
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"Professional Fees": "0",
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},
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"Expenses": "4,885",
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"Economic Capital Ratio": "13%"
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"BaseVar": "1,181,052",
"ECR before LimitedLiability": "4.9%",
"Economic Capital Ratio": "13%"
}
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"Interest Expense": "0",
"Interest Payable": "0",
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"Other Compr. Net Income": "-639",
"Other Expenses": "4,744",
"Other Liabilities": "12,772",
"Other Net Income": "17,295",
"Other Revenues": "0",
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},
"output_variables": {
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"Comprehensive Net Income": "11,912",
"BaseVar": "1,204,954",
"ECR before LimitedLiability": "5.7%",
"Economic Capital Ratio": "14%"
}
},
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"Other Net Income": "20,391",
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},
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{
"company_id": "0001391933",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001391933.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001391933.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001391933.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001391933_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001391933_main_keyfigs.svg",
"name": "Quaint OAK Bancorp INC",
"rank": 101,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 7.8% points.The greatest weakness of Quaint OAK 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 12%, being 6.5% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001391933_2022_Quaint_OAK_Bancorp_INC.pdf",
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"Comprehensive Net Income": "0.794",
"Economic Capital Ratio": "-3.38"
},
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"Notes Receivable": "-1.22",
"Securities": "-0.493",
"Cash and Cash Equivalents": "2.72",
"Loans": "5.79",
"Other Net Income": "-0.797",
"Economic Capital Ratio": "-3.54"
},
"2019": {
"Liabilities": "-3.19",
"Stockholders Equity": "-2.61",
"ECR before LimitedLiability": "-3.11",
"Deposits": "-9.38",
"Debt": "4.38",
"Other Liabilities": "2.30",
"General and Administrative Expense": "0.384",
"Expenses": "3.43",
"Other Expenses": "0.457",
"Operating Expenses": "0.646",
"Selling and Marketing Expense": "0.735",
"Labor and Related Expense": "0.610",
"Other Revenues": "-2.46",
"Revenues": "-2.46",
"Other Assets": "-6.27",
"Cash and Cash Equivalents": "0.431",
"Notes Receivable": "-2.24",
"Loans": "6.50",
"Securities": "-0.488",
"Economic Capital Ratio": "-3.30",
"Other Net Income": "-0.501"
},
"2020": {
"Notes Receivable": "-5.41",
"Assets": "-1.05",
"Liabilities": "-3.97",
"Stockholders Equity": "-4.62",
"Other Assets": "-6.64",
"Loans": "6.70",
"Other Liabilities": "2.24",
"Deposits": "-9.31",
"Debt": "3.17",
"Expenses": "2.31",
"Revenues": "-3.43",
"Net Income": "-0.626",
"General and Administrative Expense": "0.564",
"Selling and Marketing Expense": "0.726",
"Operating Expenses": "1.30",
"Labor and Related Expense": "-0.659",
"Other Revenues": "-3.43",
"ECR before LimitedLiability": "-5.87",
"Comprehensive Net Income": "-0.581",
"Other Net Income": "0.898",
"Economic Capital Ratio": "-6.21"
},
"2021": {
"Assets": "-1.24",
"Liabilities": "-3.23",
"Stockholders Equity": "-4.15",
"Loans": "7.76",
"Other Assets": "-4.85",
"Notes Receivable": "-6.19",
"Cash and Cash Equivalents": "-1.90",
"Other Liabilities": "3.77",
"Deposits": "-11.2",
"Debt": "3.75",
"Expenses": "1.03",
"Revenues": "-3.95",
"Net Income": "-1.16",
"Operating Expenses": "1.15",
"Labor and Related Expense": "-1.33",
"General and Administrative Expense": "0.750",
"Other Revenues": "-3.95",
"ECR before LimitedLiability": "-6.09",
"Comprehensive Net Income": "-1.09",
"Other Net Income": "2.24",
"Economic Capital Ratio": "-6.52"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001391933_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "9,300",
"Debt": "0",
"Deposits": "177,007",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "142",
"Labor and Related Expense": "0",
"Loans": "176,807",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "30,056",
"Other Compr. Net Income": "-26",
"Other Expenses": "736",
"Other Liabilities": "18,224",
"Other Net Income": "2,234",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "216,163",
"Liabilities": "195,373",
"Expenses": "736",
"Revenues": "0",
"Stockholders Equity": "20,790",
"Net Income": "1,498",
"Comprehensive Net Income": "1,472",
"BaseVar": "207,266",
"ECR before LimitedLiability": "5.8%",
"Economic Capital Ratio": "14%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "7,910",
"Debt": "0",
"Deposits": "186,221",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "167",
"Labor and Related Expense": "0",
"Loans": "201,667",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "30,019",
"Other Compr. Net Income": "25",
"Other Expenses": "1,205",
"Other Liabilities": "31,023",
"Other Net Income": "2,672",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "239,596",
"Liabilities": "217,411",
"Expenses": "1,205",
"Revenues": "0",
"Stockholders Equity": "22,185",
"Net Income": "1,467",
"Comprehensive Net Income": "1,492",
"BaseVar": "230,454",
"ECR before LimitedLiability": "5.5%",
"Economic Capital Ratio": "13%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "26,012",
"Debt": "0",
"Deposits": "211,911",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "221",
"Labor and Related Expense": "0",
"Loans": "216,898",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "28,494",
"Other Compr. Net Income": "13",
"Other Expenses": "667",
"Other Liabilities": "35,436",
"Other Net Income": "2,671",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "271,404",
"Liabilities": "247,568",
"Expenses": "667",
"Revenues": "0",
"Stockholders Equity": "23,836",
"Net Income": "2,004",
"Comprehensive Net Income": "2,017",
"BaseVar": "261,162",
"ECR before LimitedLiability": "5.4%",
"Economic Capital Ratio": "13%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "14,555",
"Debt": "0",
"Deposits": "227,458",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "314",
"Labor and Related Expense": "0",
"Loans": "246,692",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "41,293",
"Other Compr. Net Income": "22",
"Other Expenses": "950",
"Other Liabilities": "48,861",
"Other Net Income": "3,427",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "302,540",
"Liabilities": "276,633",
"Expenses": "950",
"Revenues": "0",
"Stockholders Equity": "25,907",
"Net Income": "2,477",
"Comprehensive Net Income": "2,499",
"BaseVar": "291,786",
"ECR before LimitedLiability": "5.3%",
"Economic Capital Ratio": "13%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "33,913",
"Debt": "0",
"Deposits": "354,845",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "362",
"Labor and Related Expense": "8,427",
"Loans": "359,122",
"Notes Receivable": "0",
"Occupancy": "913",
"Operating Expenses": "0",
"Other Assets": "91,040",
"Other Compr. Net Income": "98",
"Other Expenses": "3,534",
"Other Liabilities": "100,140",
"Other Net Income": "14,732",
"Other Revenues": "80",
"Professional Fees": "541",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "484,075",
"Liabilities": "455,347",
"Expenses": "13,415",
"Revenues": "80",
"Stockholders Equity": "28,728",
"Net Income": "1,397",
"Comprehensive Net Income": "1,495",
"BaseVar": "483,874",
"ECR before LimitedLiability": "3.4%",
"Economic Capital Ratio": "12%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "10,705",
"Debt": "0",
"Deposits": "447,166",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "174",
"Labor and Related Expense": "15,538",
"Loans": "403,966",
"Notes Receivable": "0",
"Occupancy": "1,621",
"Operating Expenses": "0",
"Other Assets": "139,444",
"Other Compr. Net Income": "-513",
"Other Expenses": "5,761",
"Other Liabilities": "69,866",
"Other Net Income": "27,245",
"Other Revenues": "83",
"Professional Fees": "659",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "554,115",
"Liabilities": "517,206",
"Expenses": "23,579",
"Revenues": "83",
"Stockholders Equity": "36,909",
"Net Income": "3,749",
"Comprehensive Net Income": "3,236",
"BaseVar": "561,370",
"ECR before LimitedLiability": "4.0%",
"Economic Capital Ratio": "12%"
}
}
},
"top_rated": false,
"trend": -16.0,
"value": 0.12209329995271895,
"company_index": "https://www.realrate-archive.com/us_savings/2021/industry_indexes/0001391933.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0001391933.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0001391933.svg"
},
{
"company_id": "0001527383",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001527383.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001527383.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001527383.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001527383_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001527383_main_keyfigs.svg",
"name": "Bankguam Holding Co",
"rank": 102,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 3.8% points.The greatest weakness of Bankguam Holding Co is the variable Deposits, reducing the Economic Capital Ratio by 18% points.
The company's Economic Capital Ratio, given in the ranking table, is 12%, being 7.1% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001527383_2022_Bankguam_Holding_Co.pdf",
"shrinked_graph_json": {
"2016": {
"Cash and Cash Equivalents": "-1.71",
"Assets": "0.790",
"Liabilities": "-4.37",
"Stockholders Equity": "-3.32",
"Other Assets": "0.799",
"Notes Receivable": "-1.54",
"Loans": "3.97",
"Deposits": "-20.0",
"Other Liabilities": "4.64",
"Debt": "3.96",
"Expenses": "4.04",
"Revenues": "-3.93",
"Net Income": "0.760",
"Selling and Marketing Expense": "1.10",
"General and Administrative Expense": "1.22",
"Other Expenses": "-1.15",
"Operating Expenses": "3.39",
"Other Revenues": "-3.93",
"ECR before LimitedLiability": "-3.31",
"Comprehensive Net Income": "0.863",
"Economic Capital Ratio": "-4.58"
},
"2017": {
"Other Liabilities": "4.56",
"Liabilities": "-3.87",
"Notes Receivable": "-1.47",
"Stockholders Equity": "-3.50",
"Debt": "3.46",
"Deposits": "-18.6",
"Expenses": "3.79",
"Revenues": "-3.07",
"Comprehensive Net Income": "0.367",
"Selling and Marketing Expense": "0.574",
"Other Expenses": "-0.376",
"Operating Expenses": "2.27",
"Labor and Related Expense": "0.645",
"General and Administrative Expense": "0.520",
"Other Revenues": "-3.07",
"ECR before LimitedLiability": "-3.59",
"Securities": "-0.637",
"Cash and Cash Equivalents": "-1.73",
"Other Assets": "0.904",
"Loans": "3.67",
"Economic Capital Ratio": "-4.30"
},
"2018": {
"Liabilities": "-3.82",
"Other Assets": "-2.54",
"Stockholders Equity": "-3.47",
"Deposits": "-17.1",
"Other Liabilities": "4.83",
"Debt": "2.96",
"Expenses": "4.22",
"Revenues": "-2.49",
"Comprehensive Net Income": "0.303",
"Labor and Related Expense": "0.557",
"Other Expenses": "0.889",
"Selling and Marketing Expense": "0.573",
"Operating Expenses": "1.35",
"Other Revenues": "-2.49",
"ECR before LimitedLiability": "-3.80",
"Notes Receivable": "-1.26",
"Securities": "-0.508",
"Cash and Cash Equivalents": "2.12",
"Loans": "2.98",
"Other Net Income": "-0.944",
"Economic Capital Ratio": "-4.07"
},
"2019": {
"Liabilities": "-3.19",
"Stockholders Equity": "-2.67",
"ECR before LimitedLiability": "-3.03",
"Deposits": "-17.0",
"Debt": "4.37",
"Other Liabilities": "5.15",
"General and Administrative Expense": "0.383",
"Expenses": "3.44",
"Other Expenses": "0.480",
"Operating Expenses": "0.644",
"Selling and Marketing Expense": "0.732",
"Labor and Related Expense": "0.608",
"Other Revenues": "-2.45",
"Revenues": "-2.45",
"Other Assets": "-1.97",
"Cash and Cash Equivalents": "1.25",
"Notes Receivable": "-2.23",
"Loans": "4.86",
"Securities": "-0.486",
"Economic Capital Ratio": "-3.22",
"Other Net Income": "-0.516"
},
"2020": {
"Other Liabilities": "4.94",
"Liabilities": "-4.35",
"Stockholders Equity": "-3.67",
"Deposits": "-20.2",
"Debt": "3.59",
"Expenses": "4.26",
"ECR before LimitedLiability": "-4.77",
"General and Administrative Expense": "0.523",
"Selling and Marketing Expense": "0.673",
"Operating Expenses": "1.20",
"Labor and Related Expense": "0.854",
"Other Expenses": "0.574",
"Other Revenues": "-3.21",
"Revenues": "-3.21",
"Notes Receivable": "-5.02",
"Other Assets": "-3.11",
"Loans": "4.78",
"Cash and Cash Equivalents": "3.04",
"Securities": "-0.391",
"Economic Capital Ratio": "-5.11",
"Other Net Income": "-1.12"
},
"2021": {
"Other Liabilities": "3.81",
"Liabilities": "-4.69",
"Stockholders Equity": "-4.09",
"Deposits": "-18.1",
"Debt": "3.18",
"Selling and Marketing Expense": "0.731",
"Expenses": "3.24",
"Net Income": "-1.06",
"Operating Expenses": "1.14",
"Labor and Related Expense": "1.12",
"General and Administrative Expense": "0.741",
"Other Revenues": "-3.92",
"Revenues": "-3.92",
"ECR before LimitedLiability": "-6.66",
"Loans": "3.22",
"Other Assets": "-1.44",
"Notes Receivable": "-6.17",
"Cash and Cash Equivalents": "3.45",
"Comprehensive Net Income": "-1.52",
"Other Net Income": "-1.30",
"Economic Capital Ratio": "-7.10"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001527383_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "400",
"Debt": "0",
"Deposits": "1,778,670",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "122",
"Labor and Related Expense": "0",
"Loans": "1,158,045",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "763,107",
"Other Compr. Net Income": "211",
"Other Expenses": "5,716",
"Other Liabilities": "10,558",
"Other Net Income": "19,269",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,921,552",
"Liabilities": "1,789,350",
"Expenses": "5,716",
"Revenues": "0",
"Stockholders Equity": "132,202",
"Net Income": "13,553",
"Comprehensive Net Income": "13,764",
"BaseVar": "1,868,049",
"ECR before LimitedLiability": "4.3%",
"Economic Capital Ratio": "12%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "400",
"Debt": "0",
"Deposits": "1,816,132",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "131",
"Labor and Related Expense": "0",
"Loans": "1,209,824",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "755,722",
"Other Compr. Net Income": "85",
"Other Expenses": "9,636",
"Other Liabilities": "11,536",
"Other Net Income": "18,180",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,965,946",
"Liabilities": "1,827,799",
"Expenses": "9,636",
"Revenues": "0",
"Stockholders Equity": "138,147",
"Net Income": "8,544",
"Comprehensive Net Income": "8,629",
"BaseVar": "1,910,823",
"ECR before LimitedLiability": "4.1%",
"Economic Capital Ratio": "12%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "155,495",
"Debt": "0",
"Deposits": "1,728,823",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "137",
"Labor and Related Expense": "0",
"Loans": "1,212,141",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "524,066",
"Other Compr. Net Income": "-1,081",
"Other Expenses": "2,913",
"Other Liabilities": "14,447",
"Other Net Income": "15,752",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,891,702",
"Liabilities": "1,743,407",
"Expenses": "2,913",
"Revenues": "0",
"Stockholders Equity": "148,295",
"Net Income": "12,839",
"Comprehensive Net Income": "11,758",
"BaseVar": "1,827,428",
"ECR before LimitedLiability": "4.7%",
"Economic Capital Ratio": "13%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "132,116",
"Debt": "0",
"Deposits": "1,729,906",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "118",
"Labor and Related Expense": "0",
"Loans": "1,275,272",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "545,674",
"Other Compr. Net Income": "3,441",
"Other Expenses": "5,601",
"Other Liabilities": "58,795",
"Other Net Income": "21,752",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,953,062",
"Liabilities": "1,788,819",
"Expenses": "5,601",
"Revenues": "0",
"Stockholders Equity": "164,243",
"Net Income": "16,151",
"Comprehensive Net Income": "19,592",
"BaseVar": "1,886,338",
"ECR before LimitedLiability": "5.4%",
"Economic Capital Ratio": "13%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "287,778",
"Debt": "0",
"Deposits": "2,118,844",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "77",
"Labor and Related Expense": "0",
"Loans": "1,392,722",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "671,861",
"Other Compr. Net Income": "4,438",
"Other Expenses": "3,464",
"Other Liabilities": "56,384",
"Other Net Income": "15,956",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "2,352,361",
"Liabilities": "2,175,305",
"Expenses": "3,464",
"Revenues": "0",
"Stockholders Equity": "177,056",
"Net Income": "12,492",
"Comprehensive Net Income": "16,930",
"BaseVar": "2,275,762",
"ECR before LimitedLiability": "4.7%",
"Economic Capital Ratio": "13%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "557,553",
"Debt": "0",
"Deposits": "2,533,231",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "46",
"Labor and Related Expense": "0",
"Loans": "1,283,690",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "950,345",
"Other Compr. Net Income": "-19,832",
"Other Expenses": "5,095",
"Other Liabilities": "77,562",
"Other Net Income": "26,094",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "2,791,588",
"Liabilities": "2,610,839",
"Expenses": "5,095",
"Revenues": "0",
"Stockholders Equity": "180,749",
"Net Income": "20,999",
"Comprehensive Net Income": "1,167",
"BaseVar": "2,726,724",
"ECR before LimitedLiability": "3.4%",
"Economic Capital Ratio": "12%"
}
}
},
"top_rated": false,
"trend": -24.0,
"value": 0.1163849514915829,
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},
{
"company_id": "0000845877",
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"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0000845877.svg",
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"name": "Federal Agricultural Mortgage CORP",
"rank": 103,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0000845877.svg",
"report_text": "The relative strengths and weaknesses of Federal Agricultural 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 Agricultural Mortgage CORP compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 7.6% points.The greatest weakness of Federal Agricultural Mortgage CORP is the variable Debt, reducing the Economic Capital Ratio by 67% points.
The company's Economic Capital Ratio, given in the ranking table, is 11%, being 7.4% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0000845877_2022_Federal_Agricultural_Mortgage_CORP.pdf",
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"Assets": "-0.631",
"Liabilities": "-4.69",
"Stockholders Equity": "-4.91",
"Notes Receivable": "-2.59",
"Loans": "-8.14",
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"Deposits": "7.11",
"Debt": "-59.6",
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"Expenses": "2.17",
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"Operating Expenses": "0.729",
"Selling and Marketing Expense": "0.829",
"Labor and Related Expense": "0.688",
"Other Revenues": "-2.76",
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"Operating Expenses": "1.31",
"Labor and Related Expense": "0.927",
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"Other Revenues": "-3.47",
"ECR before LimitedLiability": "-6.61",
"Other Assets": "4.26",
"Loans": "-12.3",
"Cash and Cash Equivalents": "-0.634",
"Other Net Income": "-1.32",
"Economic Capital Ratio": "-6.95"
},
"2021": {
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"Liabilities": "-5.27",
"Stockholders Equity": "-4.75",
"Deposits": "7.58",
"Debt": "-67.3",
"Selling and Marketing Expense": "0.737",
"Expenses": "2.98",
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"Operating Expenses": "1.15",
"Labor and Related Expense": "1.13",
"General and Administrative Expense": "0.747",
"Other Revenues": "-3.94",
"Revenues": "-3.94",
"ECR before LimitedLiability": "-6.94",
"Loans": "-11.1",
"Other Assets": "4.35",
"Notes Receivable": "3.85",
"Cash and Cash Equivalents": "-1.23",
"Comprehensive Net Income": "-1.06",
"Other Net Income": "-1.54",
"Economic Capital Ratio": "-7.38"
}
},
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"table_records": {
"2019": {
"input_variables": {
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"Debt": "19,098,648",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "106,959",
"Labor and Related Expense": "0",
"Loans": "6,981,440",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "14,123,553",
"Other Compr. Net Income": "-41,117",
"Other Expenses": "29,105",
"Other Liabilities": "1,704,491",
"Other Net Income": "138,651",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "20,910,098",
"Expenses": "29,105",
"Revenues": "0",
"Stockholders Equity": "799,276",
"Net Income": "109,546",
"Comprehensive Net Income": "68,429",
"BaseVar": "21,414,172",
"ECR before LimitedLiability": "2.2%",
"Economic Capital Ratio": "11%"
}
},
"2020": {
"input_variables": {
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"Interest Expense": "0",
"Interest Payable": "92,738",
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"Loans": "0",
"Notes Receivable": "8,535,146",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "14,786,414",
"Other Compr. Net Income": "2,238",
"Other Expenses": "28,785",
"Other Liabilities": "1,421,369",
"Other Net Income": "137,433",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "23,363,024",
"Expenses": "28,785",
"Revenues": "0",
"Stockholders Equity": "992,477",
"Net Income": "108,648",
"Comprehensive Net Income": "110,886",
"BaseVar": "23,943,490",
"ECR before LimitedLiability": "2.5%",
"Economic Capital Ratio": "11%"
}
},
"2021": {
"input_variables": {
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"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "83,992",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "9,248,678",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "14,988,028",
"Other Compr. Net Income": "17,776",
"Other Expenses": "35,353",
"Other Liabilities": "1,140,930",
"Other Net Income": "167,613",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "23,941,078",
"Expenses": "35,353",
"Revenues": "0",
"Stockholders Equity": "1,204,413",
"Net Income": "132,260",
"Comprehensive Net Income": "150,036",
"BaseVar": "24,653,656",
"ECR before LimitedLiability": "3.1%",
"Economic Capital Ratio": "11%"
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},
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0000845877.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0000845877.svg"
},
{
"company_id": "0000873860",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0000873860.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0000873860.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0000873860.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000873860_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0000873860_main_keyfigs.svg",
"name": "Onity Group INC",
"rank": 104,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/backtesting_correlation/regression_0000873860.svg",
"report_text": "The relative strengths and weaknesses of Onity 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 Onity Group INC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 10% points.The greatest weakness of Onity Group INC 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 11%, being 8.2% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0000873860_2022_Onity_Group_INC.pdf",
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"2016": {
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"Assets": "-6.23",
"Liabilities": "1.75",
"Stockholders Equity": "-4.13",
"Other Assets": "9.81",
"Notes Receivable": "-2.06",
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"Deposits": "7.61",
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"Debt": "1.89",
"Professional Fees": "-3.34",
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"Labor and Related Expense": "-3.70",
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"Economic Capital Ratio": "-6.85"
},
"2017": {
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}
},
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"Occupancy": "80,191",
"Operating Expenses": "110,333",
"Other Assets": "7,655,663",
"Other Compr. Net Income": "-74",
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"Other Net Income": "-370,270",
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"Securities": "0",
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"output_variables": {
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"Revenues": "1,387,163",
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"Economic Capital Ratio": "10%"
}
},
"2017": {
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},
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"Revenues": "1,194,576",
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}
},
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},
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},
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"value": 0.10581249949559751,
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0000873860.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0000873860.svg"
},
{
"company_id": "0000310522",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0000310522.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0000310522.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0000310522.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000310522_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0000310522_main_keyfigs.svg",
"name": "Federal National Mortgage Association Fannie MAE",
"rank": 105,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 9.2% points.The greatest weakness of Federal National Mortgage Association Fannie MAE 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 9.5%, being 9.2% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0000310522_2022_Federal_National_Mortgage_Association_Fannie_MAE.pdf",
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"Assets": "-0.609",
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"Revenues": "-4.53",
"Economic Capital Ratio": "-8.10",
"Other Net Income": "-0.822"
},
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"Assets": "-1.55",
"Liabilities": "-6.09",
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"Economic Capital Ratio": "-8.06",
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},
"2018": {
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},
"2019": {
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"Operating Expenses": "0.602",
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"Other Net Income": "-1.24",
"Economic Capital Ratio": "-7.52"
},
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"Assets": "-1.14",
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"Other Liabilities": "-50.6",
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"Operating Expenses": "0.619",
"Labor and Related Expense": "0.610",
"Other Revenues": "-3.73",
"ECR before LimitedLiability": "-8.43",
"Comprehensive Net Income": "-0.643",
"Other Net Income": "-1.61",
"Economic Capital Ratio": "-8.76"
},
"2021": {
"Other Liabilities": "-54.4",
"Liabilities": "-6.40",
"Securities": "0.820",
"Stockholders Equity": "-6.51",
"Deposits": "6.24",
"Debt": "1.21",
"Expenses": "1.38",
"Net Income": "-1.38",
"Operating Expenses": "1.07",
"Labor and Related Expense": "1.07",
"General and Administrative Expense": "0.807",
"Other Revenues": "-4.25",
"Revenues": "-4.25",
"Comprehensive Net Income": "-1.22",
"ECR before LimitedLiability": "-8.77",
"Loans": "9.18",
"Other Assets": "-11.7",
"Notes Receivable": "-6.79",
"Cash and Cash Equivalents": "-1.84",
"Other Net Income": "-1.68",
"Economic Capital Ratio": "-9.20"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0000310522_strength_weakness.svg",
"table_records": {
"2016": {
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"Debt": "0",
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"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": "97,113,000",
"Other Compr. Net Income": "-648,000",
"Other Expenses": "6,020,000",
"Other Liabilities": "3,281,897,000",
"Other Net Income": "18,333,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "48,925,000",
"Selling and Marketing Expense": "0"
},
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"Liabilities": "3,281,897,000",
"Expenses": "6,020,000",
"Revenues": "0",
"Stockholders Equity": "6,071,000",
"Net Income": "12,313,000",
"Comprehensive Net Income": "11,665,000",
"BaseVar": "3,297,433,000",
"ECR before LimitedLiability": "0.45%",
"Economic Capital Ratio": "8.9%"
}
},
"2017": {
"input_variables": {
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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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"Notes Receivable": "0",
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"Other Compr. Net Income": "206,000",
"Other Expenses": "15,984,000",
"Other Liabilities": "3,349,215,000",
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},
"output_variables": {
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"ECR before LimitedLiability": "0.025%",
"Economic Capital Ratio": "8.5%"
}
},
"2018": {
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"Deposits": "0",
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"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "3,249,395,000",
"Notes Receivable": "0",
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"Operating Expenses": "0",
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"Other Compr. Net Income": "-348,000",
"Other Expenses": "4,140,000",
"Other Liabilities": "3,412,078,000",
"Other Net Income": "20,099,000",
"Other Revenues": "0",
"Professional Fees": "0",
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"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "3,412,078,000",
"Expenses": "4,140,000",
"Revenues": "0",
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"Net Income": "15,959,000",
"Comprehensive Net Income": "15,611,000",
"BaseVar": "3,427,491,500",
"ECR before LimitedLiability": "0.55%",
"Economic Capital Ratio": "9.0%"
}
},
"2019": {
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"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
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"Other Compr. Net Income": "-191,000",
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"Other Liabilities": "3,488,711,000",
"Other Net Income": "17,577,000",
"Other Revenues": "0",
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},
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"Economic Capital Ratio": "9.1%"
}
},
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"General and Administrative Expense": "0",
"Interest Expense": "0",
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"Notes Receivable": "0",
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"Other Compr. Net Income": "-15,000",
"Other Expenses": "3,074,000",
"Other Liabilities": "3,950,771,000",
"Other Net Income": "14,879,000",
"Other Revenues": "0",
"Professional Fees": "0",
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"Selling and Marketing Expense": "0"
},
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"Revenues": "0",
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"BaseVar": "3,982,103,500",
"ECR before LimitedLiability": "0.61%",
"Economic Capital Ratio": "9.1%"
}
},
"2021": {
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"Debt": "0",
"Deposits": "0",
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"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "9,186,000",
"Labor and Related Expense": "0",
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"Notes Receivable": "0",
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"Operating Expenses": "0",
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"Other Expenses": "5,773,000",
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"Other Net Income": "27,949,000",
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"Selling and Marketing Expense": "0"
},
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"Economic Capital Ratio": "9.5%"
}
}
},
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"trend": -15.0,
"value": 0.09529085449441009,
"company_index": "https://www.realrate-archive.com/us_savings/2021/industry_indexes/0000310522.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2021/analytics/equity/0000310522.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2021/analytics/profit_loss/0000310522.svg"
},
{
"company_id": "0001026214",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2021/feature_distribution/feature_distribution_0001026214.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2021/graphs/IME_0001026214.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001026214.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001026214_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001026214_main_keyfigs.svg",
"name": "Federal HOME LOAN Mortgage CORP",
"rank": 106,
"regression_plot": "https://www.realrate-archive.com/us_savings/2021/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 Loans, increasing the Economic Capital Ratio by 9.0% points.The greatest weakness of Federal HOME LOAN Mortgage CORP is the variable Debt, reducing the Economic Capital Ratio by 76% points.
The company's Economic Capital Ratio, given in the ranking table, is 9.3%, being 9.4% points below the market average of 19%.",
"report_url": "https://www.realrate-archive.com/us_savings/2021/report/0001026214_2022_Federal_HOME_LOAN_Mortgage_CORP.pdf",
"shrinked_graph_json": {
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"Assets": "-0.602",
"Liabilities": "-6.46",
"Stockholders Equity": "-6.51",
"Securities": "0.634",
"Other Assets": "-11.7",
"Notes Receivable": "-1.85",
"Loans": "5.87",
"Deposits": "5.76",
"Other Liabilities": "2.03",
"Debt": "-74.4",
"Expenses": "1.12",
"ECR before LimitedLiability": "-6.80",
"Selling and Marketing Expense": "0.485",
"General and Administrative Expense": "0.489",
"Other Expenses": "-1.23",
"Operating Expenses": "0.668",
"Other Revenues": "-4.53",
"Revenues": "-4.53",
"Economic Capital Ratio": "-8.07",
"Other Net Income": "-0.804"
},
"2017": {
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"Assets": "-1.59",
"Liabilities": "-5.97",
"Stockholders Equity": "-6.88",
"Securities": "0.372",
"Cash and Cash Equivalents": "-1.89",
"Other Assets": "-11.4",
"Loans": "5.25",
"Other Liabilities": "1.96",
"Debt": "-76.5",
"Deposits": "5.77",
"Expenses": "0.592",
"ECR before LimitedLiability": "-7.12",
"Selling and Marketing Expense": "0.265",
"Other Expenses": "-0.475",
"Operating Expenses": "0.358",
"Labor and Related Expense": "0.267",
"Other Revenues": "-3.56",
"Revenues": "-3.56",
"Economic Capital Ratio": "-7.82",
"Other Net Income": "-0.401"
},
"2018": {
"Other Assets": "-10.7",
"Assets": "-1.70",
"Liabilities": "-6.12",
"Stockholders Equity": "-7.09",
"Notes Receivable": "-1.54",
"Securities": "0.557",
"Cash and Cash Equivalents": "-1.65",
"Loans": "4.94",
"Deposits": "6.12",
"Other Liabilities": "2.00",
"Debt": "-78.3",
"Expenses": "0.839",
"ECR before LimitedLiability": "-7.59",
"Labor and Related Expense": "0.522",
"Other Expenses": "0.528",
"Selling and Marketing Expense": "0.522",
"Operating Expenses": "0.542",
"Other Revenues": "-2.92",
"Revenues": "-2.92",
"Economic Capital Ratio": "-7.86",
"Other Net Income": "-1.40"
},
"2019": {
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"Assets": "-1.34",
"Liabilities": "-5.74",
"Stockholders Equity": "-6.47",
"Cash and Cash Equivalents": "-1.80",
"Notes Receivable": "-2.80",
"Loans": "5.30",
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"Deposits": "5.93",
"Debt": "-72.8",
"Other Liabilities": "2.02",
"Expenses": "0.792",
"ECR before LimitedLiability": "-7.38",
"Other Expenses": "0.557",
"Operating Expenses": "0.556",
"Selling and Marketing Expense": "0.558",
"Labor and Related Expense": "0.556",
"Other Revenues": "-2.94",
"Revenues": "-2.94",
"Economic Capital Ratio": "-7.57",
"Other Net Income": "-1.32"
},
"2020": {
"Notes Receivable": "-6.00",
"Assets": "-1.14",
"Liabilities": "-6.54",
"Stockholders Equity": "-6.99",
"Other Assets": "-11.1",
"Loans": "7.94",
"Cash and Cash Equivalents": "-2.59",
"Securities": "0.677",
"Other Liabilities": "2.45",
"Deposits": "5.62",
"Debt": "-75.7",
"Expenses": "0.974",
"Revenues": "-3.73",
"Net Income": "-0.689",
"Operating Expenses": "0.606",
"Labor and Related Expense": "0.597",
"Other Revenues": "-3.73",
"ECR before LimitedLiability": "-8.44",
"Comprehensive Net Income": "-0.652",
"Other Net Income": "-1.63",
"Economic Capital Ratio": "-8.78"
},
"2021": {
"Other Liabilities": "2.29",
"Liabilities": "-6.51",
"Securities": "0.849",
"Stockholders Equity": "-6.64",
"Deposits": "6.06",
"Debt": "-75.8",
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"Net Income": "-1.50",
"Operating Expenses": "0.841",
"Labor and Related Expense": "0.840",
"General and Administrative Expense": "0.813",
"Other Revenues": "-4.29",
"Revenues": "-4.29",
"Comprehensive Net Income": "-1.36",
"ECR before LimitedLiability": "-9.00",
"Loans": "8.95",
"Other Assets": "-11.5",
"Notes Receivable": "-6.86",
"Cash and Cash Equivalents": "-2.92",
"Other Net Income": "-1.84",
"Economic Capital Ratio": "-9.43"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2021/plot_over_time/0001026214_strength_weakness.svg",
"table_records": {
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"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "6,015,000",
"Labor and Related Expense": "0",
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"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
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"Other Compr. Net Income": "-697,000",
"Other Expenses": "3,824,000",
"Other Liabilities": "10,282,000",
"Other Net Income": "11,639,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "163,095,000",
"Selling and Marketing Expense": "0"
},
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"Liabilities": "2,018,301,000",
"Expenses": "3,824,000",
"Revenues": "0",
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"Net Income": "7,815,000",
"Comprehensive Net Income": "7,118,000",
"BaseVar": "2,028,918,500",
"ECR before LimitedLiability": "0.48%",
"Economic Capital Ratio": "8.9%"
}
},
"2017": {
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"Debt": "2,034,630,000",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "6,221,000",
"Labor and Related Expense": "0",
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"Notes Receivable": "0",
"Occupancy": "0",
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"Other Compr. Net Income": "-67,000",
"Other Expenses": "11,209,000",
"Other Liabilities": "9,237,000",
"Other Net Income": "16,834,000",
"Other Revenues": "0",
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"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Revenues": "0",
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"BaseVar": "2,063,987,000",
"ECR before LimitedLiability": "0.26%",
"Economic Capital Ratio": "8.7%"
}
},
"2018": {
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"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "6,652,000",
"Labor and Related Expense": "0",
"Loans": "1,885,356,000",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "73,822,000",
"Other Compr. Net Income": "-613,000",
"Other Expenses": "2,239,000",
"Other Liabilities": "6,981,000",
"Other Net Income": "11,474,000",
"Other Revenues": "0",
"Professional Fees": "0",
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},
"output_variables": {
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"Liabilities": "2,058,583,000",
"Expenses": "2,239,000",
"Revenues": "0",
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"Comprehensive Net Income": "8,622,000",
"BaseVar": "2,067,984,500",
"ECR before LimitedLiability": "0.53%",
"Economic Capital Ratio": "9.0%"
}
},
"2019": {
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"BaseVar": "2,204,790,500",
"ECR before LimitedLiability": "0.56%",
"Economic Capital Ratio": "9.0%"
}
},
"2020": {
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"Interest Expense": "0",
"Interest Payable": "6,210,000",
"Labor and Related Expense": "0",
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"Other Net Income": "9,229,000",
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},
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"BaseVar": "2,624,877,000",
"ECR before LimitedLiability": "0.60%",
"Economic Capital Ratio": "9.1%"
}
},
"2021": {
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"ECR before LimitedLiability": "0.85%",
"Economic Capital Ratio": "9.3%"
}
}
},
"top_rated": false,
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