{"company_details": [{"company_id": "0001518715", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001518715.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001518715.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001518715.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001518715_256x256.png", "name": "Mechanics Bancorp", "rank": 1, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001518715.svg", "report_text": "The relative strengths and weaknesses of Mechanics 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. <br/><br/>The greatest strength of Mechanics Bancorp compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 19% points.The greatest weakness of Mechanics Bancorp is the variable Other Liabilities, reducing the Economic Capital Ratio by 29% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 21%, being 9.0% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001518715_2013_Mechanics_Bancorp.pdf", "shrinked_graph_json": {"2012": {"Deposits": "3.32", "Liabilities": "4.43", "Stockholders Equity": "-0.555", "ECR before LimitedLiability": "9.25", "Other Liabilities": "-29.3", "Liabilities and Borrowings": "19.1", "Long-term Debt": "-1.15", "Loans and Leases Receivable": "-8.24", "Assets": "-3.83", "Cash Deposits and Cash Equivalents": "-3.64", "Property, Plant and Equipment": "-0.798", "Assets and Securities": "10.5", "Goodwill": "-0.679", "Expenses": "-1.34", "Net Income": "8.60", "Other Expenses": "-1.58", "Other Revenues": "-0.243", "Revenues": "-0.243", "Comprehensive Net Income": "9.18", "Other Compr. Net Income": "0.590", "Other Net Income": "10.1", "Economic Capital Ratio": "9.04"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001518715_strength_weakness.svg", "table_records": {"2012": {"input_variables": {"Assets and Securities": "505,139", "Cash Deposits and Cash Equivalents": "25,285", "Deposits": "1,976,835", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,308,974", "Long-term Debt": "61,857", "Occupancy": "0", "Other Assets": "776,600", "Other Compr. Net Income": "5,071", "Other Expenses": "21,546", "Other Liabilities": "328,776", "Other Net Income": "103,672", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "15,232"}, "output_variables": {"Liabilities": "2,367,468", "Assets": "2,631,230", "Expenses": "21,546", "Revenues": "0", "Stockholders Equity": "263,762", "Net Income": "82,126", "Comprehensive Net Income": "87,197", "BaseVar": "2,735,824", "ECR before LimitedLiability": "21%", "Economic Capital Ratio": "21%"}}}, "top_rated": true, "trend": null, "value": 0.20790290862123978, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001518715.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001518715.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001518715.svg"}, {"company_id": "0000810958", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000810958.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000810958.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000810958.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000810958_256x256.png", "name": "Citizens Northern CORP", "rank": 2, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000810958.svg", "report_text": "The relative strengths and weaknesses of Citizens Northern 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. <br/><br/>The greatest strength of Citizens Northern CORP compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 17% points.The greatest weakness of Citizens Northern CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 15% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 19%, being 7.2% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000810958_2013_Citizens_Northern_CORP.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "-7.83", "Liabilities": "2.45", "Stockholders Equity": "1.31", "ECR before LimitedLiability": "4.91", "Other Liabilities": "-19.7", "Liabilities and Borrowings": "16.8", "Deposits": "-0.755", "Other Assets": "9.01", "Assets": "-0.820", "Goodwill": "-0.257", "Assets and Securities": "-3.49", "Loans and Leases Receivable": "-3.17", "Cash Deposits and Cash Equivalents": "-2.24", "Expenses": "-0.357", "Revenues": "-0.667", "Net Income": "4.04", "Other Expenses": "-0.456", "Other Revenues": "-0.667", "Other Net Income": "5.06", "Comprehensive Net Income": "3.79", "Economic Capital Ratio": "4.66"}, "2012": {"Deposits": "-3.27", "Liabilities": "3.83", "Loans and Leases Receivable": "-4.52", "Stockholders Equity": "3.35", "ECR before LimitedLiability": "7.38", "Other Liabilities": "-14.6", "Liabilities and Borrowings": "17.4", "Long-term Debt": "-5.24", "Expenses": "-0.819", "Revenues": "-0.236", "Net Income": "3.69", "Labor Expense": "0.161", "Other Expenses": "-1.06", "Other Revenues": "-0.236", "Cash Deposits and Cash Equivalents": "-0.951", "Property, Plant and Equipment": "-0.131", "Other Assets": "8.77", "Assets and Securities": "-2.62", "Comprehensive Net Income": "3.80", "Other Net Income": "4.74", "Economic Capital Ratio": "7.17"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000810958_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "15,650", "Cash Deposits and Cash Equivalents": "42,957", "Deposits": "1,018,206", "Fees": "0", "Goodwill": "11,942", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "700,610", "Long-term Debt": "125,363", "Occupancy": "0", "Other Assets": "533,548", "Other Compr. Net Income": "0", "Other Expenses": "8,714", "Other Liabilities": "12,781", "Other Net Income": "32,082", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "19,028"}, "output_variables": {"Liabilities": "1,156,350", "Assets": "1,323,735", "Expenses": "8,714", "Revenues": "0", "Stockholders Equity": "167,385", "Net Income": "23,368", "Comprehensive Net Income": "23,368", "BaseVar": "1,314,087", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}, "2012": {"input_variables": {"Assets and Securities": "15,880", "Cash Deposits and Cash Equivalents": "59,836", "Deposits": "1,006,106", "Fees": "0", "Goodwill": "11,942", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "8,636", "Loans and Leases Receivable": "677,053", "Long-term Debt": "83,812", "Occupancy": "0", "Other Assets": "503,489", "Other Compr. Net Income": "843", "Other Expenses": "8,426", "Other Liabilities": "5,567", "Other Net Income": "31,131", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "18,707"}, "output_variables": {"Liabilities": "1,104,121", "Assets": "1,286,907", "Expenses": "8,426", "Revenues": "0", "Stockholders Equity": "182,786", "Net Income": "22,705", "Comprehensive Net Income": "23,548", "BaseVar": "1,268,840", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "19%"}}}, "top_rated": true, "trend": 3.0, "value": 0.1892280916278618, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000810958.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000810958.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000810958.svg"}, {"company_id": "0000716605", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000716605.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000716605.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000716605.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000716605_256x256.png", "name": "Penns Woods Bancorp INC", "rank": 3, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000716605.svg", "report_text": "The relative strengths and weaknesses of Penns Woods 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. <br/><br/>The greatest strength of Penns Woods Bancorp INC compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 18% points.The greatest weakness of Penns Woods Bancorp INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 202% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 18%, being 6.3% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000716605_2013_Penns_Woods_Bancorp_INC.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.17", "Liabilities": "1.64", "ECR before LimitedLiability": "6.69", "Other Liabilities": "-223", "Liabilities and Borrowings": "17.9", "Deposits": "19.0", "Other Assets": "8.45", "Assets": "-1.74", "Comprehensive Net Income": "7.37", "Goodwill": "-0.621", "Assets and Securities": "-3.81", "Loans and Leases Receivable": "-1.42", "Cash Deposits and Cash Equivalents": "-3.22", "Expenses": "1.24", "Net Income": "3.41", "Other Expenses": "1.14", "Other Revenues": "-0.668", "Revenues": "-0.668", "Other Net Income": "2.84", "Other Compr. Net Income": "3.99", "Economic Capital Ratio": "6.43"}, "2012": {"Deposits": "18.1", "Liabilities": "1.97", "Stockholders Equity": "0.527", "ECR before LimitedLiability": "6.53", "Other Liabilities": "-202", "Liabilities and Borrowings": "16.6", "Long-term Debt": "0.964", "Loans and Leases Receivable": "-0.679", "Assets": "-1.10", "Cash Deposits and Cash Equivalents": "-3.01", "Property, Plant and Equipment": "-0.489", "Other Assets": "7.08", "Assets and Securities": "-3.15", "Goodwill": "-0.417", "Expenses": "0.568", "Net Income": "3.01", "Other Expenses": "0.330", "Comprehensive Net Income": "5.80", "Other Compr. Net Income": "2.81", "Other Net Income": "2.68", "Economic Capital Ratio": "6.32"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000716605_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "5,081", "Cash Deposits and Cash Equivalents": "13,885", "Deposits": "0", "Fees": "0", "Goodwill": "3,032", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "10,417", "Loans and Leases Receivable": "428,805", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "305,443", "Other Compr. Net Income": "8,470", "Other Expenses": "1,913", "Other Liabilities": "673,076", "Other Net Income": "14,275", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "7,707"}, "output_variables": {"Liabilities": "683,493", "Assets": "763,953", "Expenses": "1,913", "Revenues": "0", "Stockholders Equity": "80,460", "Net Income": "12,362", "Comprehensive Net Income": "20,832", "BaseVar": "768,477", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "19%"}}, "2012": {"input_variables": {"Assets and Securities": "4,233", "Cash Deposits and Cash Equivalents": "15,142", "Deposits": "0", "Fees": "0", "Goodwill": "3,032", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "10,935", "Loans and Leases Receivable": "504,615", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "321,165", "Other Compr. Net Income": "6,576", "Other Expenses": "2,598", "Other Liabilities": "751,874", "Other Net Income": "16,448", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "8,348"}, "output_variables": {"Liabilities": "762,809", "Assets": "856,535", "Expenses": "2,598", "Revenues": "0", "Stockholders Equity": "93,726", "Net Income": "13,850", "Comprehensive Net Income": "20,426", "BaseVar": "856,176", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "18%"}}}, "top_rated": true, "trend": 0.0, "value": 0.1807103071608326, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000716605.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000716605.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000716605.svg"}, {"company_id": "0000737875", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000737875.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000737875.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000737875.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000737875_256x256.png", "name": "First Keystone CORP", "rank": 4, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000737875.svg", "report_text": "The relative strengths and weaknesses of First Keystone 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. <br/><br/>The greatest strength of First Keystone CORP compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 17% points.The greatest weakness of First Keystone CORP is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 42% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 17%, being 5.7% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000737875_2013_First_Keystone_CORP.pdf", "shrinked_graph_json": {"2012": {"Liabilities": "1.84", "Stockholders Equity": "2.06", "ECR before LimitedLiability": "5.87", "Other Liabilities": "17.4", "Liabilities and Borrowings": "-42.1", "Long-term Debt": "-4.11", "Loans and Leases Receivable": "-4.64", "Assets": "0.345", "Cash Deposits and Cash Equivalents": "-2.42", "Property, Plant and Equipment": "0.540", "Other Assets": "9.67", "Assets and Securities": "-3.28", "Goodwill": "1.04", "Expenses": "0.680", "Net Income": "1.65", "Other Expenses": "0.444", "Other Revenues": "-0.232", "Revenues": "-0.232", "Comprehensive Net Income": "3.76", "Other Compr. Net Income": "2.11", "Other Net Income": "1.20", "Economic Capital Ratio": "5.67"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000737875_strength_weakness.svg", "table_records": {"2012": {"input_variables": {"Assets and Securities": "2,118", "Cash Deposits and Cash Equivalents": "20,920", "Deposits": "608,834", "Fees": "0", "Goodwill": "19,133", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "533,115", "Loans and Leases Receivable": "427,124", "Long-term Debt": "44,520", "Occupancy": "0", "Other Assets": "331,308", "Other Compr. Net Income": "4,771", "Other Expenses": "2,187", "Other Liabilities": "-469,833", "Other Net Income": "12,357", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "19,363"}, "output_variables": {"Liabilities": "716,636", "Assets": "819,966", "Expenses": "2,187", "Revenues": "0", "Stockholders Equity": "103,330", "Net Income": "10,170", "Comprehensive Net Income": "14,941", "BaseVar": "803,358", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}}, "top_rated": true, "trend": null, "value": 0.17415213206111502, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000737875.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000737875.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000737875.svg"}, {"company_id": "0000861842", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000861842.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000861842.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000861842.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000861842_256x256.png", "name": "Cathay General Bancorp", "rank": 5, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000861842.svg", "report_text": "The relative strengths and weaknesses of Cathay General 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. <br/><br/>The greatest strength of Cathay General Bancorp compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 16% points.The greatest weakness of Cathay General Bancorp is the variable Other Liabilities, reducing the Economic Capital Ratio by 30% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 17%, being 5.6% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000861842_2013_Cathay_General_Bancorp.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "-0.335", "Liabilities": "1.61", "Stockholders Equity": "2.88", "ECR before LimitedLiability": "2.88", "Other Liabilities": "-37.4", "Liabilities and Borrowings": "14.9", "Deposits": "5.23", "Other Assets": "0.817", "Assets": "1.28", "Goodwill": "1.32", "Assets and Securities": "-2.87", "Loans and Leases Receivable": "6.45", "Cash Deposits and Cash Equivalents": "-3.69", "Property, Plant and Equipment": "-0.488", "Other Revenues": "-0.653", "Revenues": "-0.653", "Net Income": "0.964", "Comprehensive Net Income": "0.410", "Other Compr. Net Income": "-0.555", "Other Net Income": "1.35", "Economic Capital Ratio": "2.62"}, "2012": {"Deposits": "3.90", "Liabilities": "3.25", "Stockholders Equity": "4.38", "ECR before LimitedLiability": "5.81", "Other Liabilities": "-29.8", "Liabilities and Borrowings": "16.2", "Long-term Debt": "-0.529", "Loans and Leases Receivable": "7.46", "Assets": "1.26", "Cash Deposits and Cash Equivalents": "-3.25", "Property, Plant and Equipment": "-0.475", "Other Assets": "-1.25", "Assets and Securities": "-2.34", "Goodwill": "1.53", "Expenses": "-0.713", "Revenues": "-0.232", "Net Income": "1.17", "Other Expenses": "-0.949", "Other Revenues": "-0.232", "Comprehensive Net Income": "1.35", "Other Net Income": "2.12", "Economic Capital Ratio": "5.60"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000861842_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "211,310", "Cash Deposits and Cash Equivalents": "117,888", "Deposits": "7,229,131", "Fees": "0", "Goodwill": "316,340", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "46,864", "Loans and Leases Receivable": "6,844,483", "Long-term Debt": "171,136", "Occupancy": "0", "Other Assets": "3,048,882", "Other Compr. Net Income": "-8,315", "Other Expenses": "51,261", "Other Liabilities": "1,682,100", "Other Net Income": "152,016", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "105,961"}, "output_variables": {"Liabilities": "9,129,231", "Assets": "10,644,864", "Expenses": "51,261", "Revenues": "0", "Stockholders Equity": "1,515,633", "Net Income": "100,755", "Comprehensive Net Income": "92,440", "BaseVar": "10,271,087", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2012": {"input_variables": {"Assets and Securities": "171,298", "Cash Deposits and Cash Equivalents": "144,909", "Deposits": "7,383,225", "Fees": "0", "Goodwill": "316,340", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "54,040", "Loans and Leases Receivable": "7,235,587", "Long-term Debt": "171,136", "Occupancy": "0", "Other Assets": "2,723,342", "Other Compr. Net Income": "8,592", "Other Expenses": "66,128", "Other Liabilities": "1,456,184", "Other Net Income": "184,171", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "102,613"}, "output_variables": {"Liabilities": "9,064,585", "Assets": "10,694,089", "Expenses": "66,128", "Revenues": "0", "Stockholders Equity": "1,629,504", "Net Income": "118,043", "Comprehensive Net Income": "126,635", "BaseVar": "10,349,224", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}}, "top_rated": true, "trend": 5.0, "value": 0.1735360761455657, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000861842.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000861842.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000861842.svg"}, {"company_id": "0001478454", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001478454.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001478454.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001478454.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001478454_256x256.png", "name": "Eagle Bancorp Montana Inc", "rank": 6, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001478454.svg", "report_text": "The relative strengths and weaknesses of Eagle Bancorp Montana 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. <br/><br/>The greatest strength of Eagle Bancorp Montana Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 16% points.The greatest weakness of Eagle Bancorp Montana Inc is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 38% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 17%, being 5.0% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001478454_2013_Eagle_Bancorp_Montana_Inc.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.12", "Liabilities": "1.70", "Stockholders Equity": "4.41", "ECR before LimitedLiability": "4.29", "Other Liabilities": "13.7", "Liabilities and Borrowings": "-30.3", "Deposits": "8.08", "Other Assets": "6.70", "Assets": "2.62", "Goodwill": "-0.888", "Assets and Securities": "-3.88", "Loans and Leases Receivable": "0.931", "Cash Deposits and Cash Equivalents": "-2.35", "Property, Plant and Equipment": "2.47", "Expenses": "0.873", "Revenues": "-0.648", "Comprehensive Net Income": "0.401", "Other Expenses": "0.777", "Other Revenues": "-0.648", "Other Compr. Net Income": "0.240", "Economic Capital Ratio": "4.04"}, "2012": {"Deposits": "3.71", "Liabilities": "2.08", "Stockholders Equity": "5.58", "ECR before LimitedLiability": "5.25", "Other Liabilities": "16.4", "Liabilities and Borrowings": "-37.6", "Long-term Debt": "0.927", "Loans and Leases Receivable": "-2.37", "Assets": "3.39", "Cash Deposits and Cash Equivalents": "0.270", "Property, Plant and Equipment": "2.43", "Other Assets": "7.25", "Assets and Securities": "-3.21", "Goodwill": "-0.655", "Expenses": "0.722", "Revenues": "-0.227", "Net Income": "-0.463", "Other Expenses": "0.491", "Other Revenues": "-0.227", "Other Net Income": "-0.958", "Economic Capital Ratio": "5.04", "Other Compr. Net Income": "0.273"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001478454_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "1,508", "Cash Deposits and Cash Equivalents": "9,540", "Deposits": "209,186", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "190,134", "Loans and Leases Receivable": "185,471", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "118,423", "Other Compr. Net Income": "410", "Other Expenses": "1,056", "Other Liabilities": "-120,712", "Other Net Income": "3,466", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "16,151"}, "output_variables": {"Liabilities": "278,608", "Assets": "331,093", "Expenses": "1,056", "Revenues": "0", "Stockholders Equity": "52,485", "Net Income": "2,410", "Comprehensive Net Income": "2,820", "BaseVar": "313,802", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}, "2012": {"input_variables": {"Assets and Securities": "915", "Cash Deposits and Cash Equivalents": "19,814", "Deposits": "219,989", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "196,564", "Loans and Leases Receivable": "173,839", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "117,170", "Other Compr. Net Income": "339", "Other Expenses": "792", "Other Liabilities": "-142,904", "Other Net Income": "2,970", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "15,561"}, "output_variables": {"Liabilities": "273,649", "Assets": "327,299", "Expenses": "792", "Revenues": "0", "Stockholders Equity": "53,650", "Net Income": "2,178", "Comprehensive Net Income": "2,517", "BaseVar": "307,917", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}}, "top_rated": true, "trend": 1.0, "value": 0.16789546945635647, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001478454.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001478454.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001478454.svg"}, {"company_id": "0000887343", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000887343.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000887343.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000887343.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000887343_256x256.png", "name": "Columbia Banking System INC", "rank": 7, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000887343.svg", "report_text": "The relative strengths and weaknesses of Columbia Banking System 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. <br/><br/>The greatest strength of Columbia Banking System INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 16% points.The greatest weakness of Columbia Banking System INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 32% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 16%, being 4.6% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000887343_2013_Columbia_Banking_System_INC.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.14", "Liabilities": "2.52", "Assets": "1.85", "Stockholders Equity": "4.35", "ECR before LimitedLiability": "5.96", "Other Liabilities": "18.1", "Liabilities and Borrowings": "-29.6", "Deposits": "-6.14", "Goodwill": "0.893", "Assets and Securities": "-2.33", "Loans and Leases Receivable": "2.82", "Property, Plant and Equipment": "0.456", "Expenses": "0.677", "Net Income": "1.22", "Other Expenses": "0.581", "Other Revenues": "-0.654", "Revenues": "-0.654", "Other Net Income": "1.20", "Comprehensive Net Income": "2.03", "Other Compr. Net Income": "0.808", "Economic Capital Ratio": "5.71"}, "2012": {"Deposits": "-9.84", "Liabilities": "2.42", "Stockholders Equity": "4.76", "ECR before LimitedLiability": "4.76", "Other Liabilities": "16.3", "Liabilities and Borrowings": "-32.5", "Long-term Debt": "0.933", "Loans and Leases Receivable": "0.942", "Assets": "2.34", "Cash Deposits and Cash Equivalents": "3.59", "Property, Plant and Equipment": "0.628", "Other Assets": "-2.02", "Assets and Securities": "-1.79", "Goodwill": "1.10", "Expenses": "0.286", "Net Income": "0.578", "Other Revenues": "-0.230", "Revenues": "-0.230", "Other Net Income": "0.521", "Economic Capital Ratio": "4.56", "Other Compr. Net Income": "-0.538"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000887343_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "126,928", "Cash Deposits and Cash Equivalents": "294,289", "Deposits": "3,815,529", "Fees": "0", "Goodwill": "115,554", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,725,988", "Loans and Leases Receivable": "2,827,259", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,314,016", "Other Compr. Net Income": "12,852", "Other Expenses": "17,905", "Other Liabilities": "-2,514,910", "Other Net Income": "65,942", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "107,899"}, "output_variables": {"Liabilities": "4,026,607", "Assets": "4,785,945", "Expenses": "17,905", "Revenues": "0", "Stockholders Equity": "759,338", "Net Income": "48,037", "Comprehensive Net Income": "60,889", "BaseVar": "4,581,785", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "18%"}}, "2012": {"input_variables": {"Assets and Securities": "113,967", "Cash Deposits and Cash Equivalents": "513,926", "Deposits": "4,042,085", "Fees": "0", "Goodwill": "115,554", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,789,512", "Loans and Leases Receivable": "2,864,803", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,179,377", "Other Compr. Net Income": "-4,984", "Other Expenses": "17,562", "Other Liabilities": "-2,689,270", "Other Net Income": "63,705", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "118,708"}, "output_variables": {"Liabilities": "4,142,327", "Assets": "4,906,335", "Expenses": "17,562", "Revenues": "0", "Stockholders Equity": "764,008", "Net Income": "46,143", "Comprehensive Net Income": "41,159", "BaseVar": "4,680,877", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}}, "top_rated": true, "trend": -3.0, "value": 0.1630558205986064, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000887343.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000887343.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000887343.svg"}, {"company_id": "0001013272", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001013272.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001013272.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001013272.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001013272_256x256.png", "name": "Norwood Financial CORP", "rank": 8, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001013272.svg", "report_text": "The relative strengths and weaknesses of Norwood 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. <br/><br/>The greatest strength of Norwood Financial CORP compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 15% points.The greatest weakness of Norwood Financial CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 22% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 16%, being 4.2% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001013272_2013_Norwood_Financial_CORP.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.12", "Liabilities": "0.913", "Stockholders Equity": "1.96", "ECR before LimitedLiability": "2.80", "Other Liabilities": "-26.7", "Liabilities and Borrowings": "14.8", "Deposits": "-4.08", "Other Assets": "-1.41", "Assets": "1.03", "Assets and Securities": "-3.68", "Loans and Leases Receivable": "8.50", "Cash Deposits and Cash Equivalents": "-2.20", "Property, Plant and Equipment": "-0.399", "Expenses": "0.645", "Revenues": "-0.651", "Net Income": "1.54", "Other Expenses": "0.549", "Other Revenues": "-0.651", "Other Net Income": "1.55", "Comprehensive Net Income": "1.29", "Economic Capital Ratio": "2.55"}, "2012": {"Deposits": "-4.06", "Liabilities": "2.20", "Stockholders Equity": "3.08", "ECR before LimitedLiability": "4.40", "Other Liabilities": "-22.3", "Liabilities and Borrowings": "15.2", "Long-term Debt": "0.939", "Loans and Leases Receivable": "8.82", "Assets": "0.959", "Cash Deposits and Cash Equivalents": "-2.94", "Property, Plant and Equipment": "-0.385", "Other Assets": "-1.74", "Assets and Securities": "-3.04", "Goodwill": "0.397", "Other Revenues": "-0.231", "Revenues": "-0.231", "Net Income": "1.72", "Comprehensive Net Income": "1.28", "Other Compr. Net Income": "-0.439", "Other Net Income": "2.00", "Other Expenses": "-0.285", "Economic Capital Ratio": "4.19"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001013272_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "5,656", "Cash Deposits and Cash Equivalents": "21,423", "Deposits": "525,767", "Fees": "0", "Goodwill": "9,715", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,201", "Loans and Leases Receivable": "452,449", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "172,092", "Other Compr. Net Income": "0", "Other Expenses": "2,579", "Other Liabilities": "50,785", "Other Net Income": "9,935", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "7,479"}, "output_variables": {"Liabilities": "580,753", "Assets": "668,814", "Expenses": "2,579", "Revenues": "0", "Stockholders Equity": "88,061", "Net Income": "7,356", "Comprehensive Net Income": "7,356", "BaseVar": "647,496", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2012": {"input_variables": {"Assets and Securities": "4,313", "Cash Deposits and Cash Equivalents": "12,295", "Deposits": "524,425", "Fees": "0", "Goodwill": "9,715", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,027", "Loans and Leases Receivable": "471,208", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "167,442", "Other Compr. Net Income": "-518", "Other Expenses": "3,036", "Other Liabilities": "52,426", "Other Net Income": "11,439", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "7,326"}, "output_variables": {"Liabilities": "579,878", "Assets": "672,299", "Expenses": "3,036", "Revenues": "0", "Stockholders Equity": "92,421", "Net Income": "8,403", "Comprehensive Net Income": "7,885", "BaseVar": "653,301", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}}, "top_rated": true, "trend": 3.0, "value": 0.1593892266515841, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001013272.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001013272.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001013272.svg"}, {"company_id": "0001127371", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001127371.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001127371.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001127371.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001127371_256x256.png", "name": "Community West Bancshares", "rank": 9, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001127371.svg", "report_text": "The relative strengths and weaknesses of Community West Bancshares 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. <br/><br/>The greatest strength of Community West Bancshares compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 15% points.The greatest weakness of Community West Bancshares is the variable Other Liabilities, reducing the Economic Capital Ratio by 16% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 16%, being 3.9% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001127371_2013_Community_West_Bancshares.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "0.671", "Liabilities": "-0.323", "Stockholders Equity": "1.61", "ECR before LimitedLiability": "1.05", "Other Liabilities": "-20.7", "Liabilities and Borrowings": "13.3", "Deposits": "-9.93", "Other Assets": "9.99", "Assets": "1.76", "Goodwill": "1.17", "Assets and Securities": "-4.27", "Loans and Leases Receivable": "-4.64", "Cash Deposits and Cash Equivalents": "-0.648", "Property, Plant and Equipment": "-0.705", "Expenses": "1.25", "Revenues": "-0.640", "Net Income": "0.263", "Other Expenses": "1.16", "Other Revenues": "-0.640", "Other Net Income": "-0.358", "Economic Capital Ratio": "0.793"}, "2012": {"Deposits": "-11.0", "Liabilities": "1.03", "Stockholders Equity": "2.71", "ECR before LimitedLiability": "4.15", "Other Liabilities": "-16.0", "Liabilities and Borrowings": "15.0", "Long-term Debt": "0.926", "Loans and Leases Receivable": "-9.91", "Assets": "1.61", "Property, Plant and Equipment": "-0.658", "Other Assets": "13.5", "Assets and Securities": "-3.46", "Goodwill": "1.30", "Expenses": "0.953", "Revenues": "-0.229", "Comprehensive Net Income": "1.54", "Other Expenses": "0.721", "Other Revenues": "-0.229", "Other Net Income": "-0.556", "Other Compr. Net Income": "1.37", "Economic Capital Ratio": "3.94"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001127371_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "44,804", "Deposits": "712,986", "Fees": "0", "Goodwill": "23,577", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "415,999", "Long-term Debt": "4,000", "Occupancy": "0", "Other Assets": "358,771", "Other Compr. Net Income": "0", "Other Expenses": "1,861", "Other Liabilities": "24,555", "Other Net Income": "8,338", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "5,872"}, "output_variables": {"Liabilities": "741,541", "Assets": "849,023", "Expenses": "1,861", "Revenues": "0", "Stockholders Equity": "107,482", "Net Income": "6,477", "Comprehensive Net Income": "6,477", "BaseVar": "813,793", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2012": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "52,956", "Deposits": "751,432", "Fees": "0", "Goodwill": "23,577", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "385,185", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "422,258", "Other Compr. Net Income": "3,462", "Other Expenses": "1,685", "Other Liabilities": "21,131", "Other Net Income": "9,205", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "6,252"}, "output_variables": {"Liabilities": "772,563", "Assets": "890,228", "Expenses": "1,685", "Revenues": "0", "Stockholders Equity": "117,665", "Net Income": "7,520", "Comprehensive Net Income": "10,982", "BaseVar": "857,444", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}}, "top_rated": true, "trend": 15.0, "value": 0.15693523111769997, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001127371.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001127371.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001127371.svg"}, {"company_id": "0001325670", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001325670.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001325670.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001325670.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001325670_256x256.png", "name": "Primis Financial Corp", "rank": 10, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001325670.svg", "report_text": "The relative strengths and weaknesses of Primis 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. <br/><br/>The greatest strength of Primis Financial Corp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 15% points.The greatest weakness of Primis Financial Corp is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 50% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 15%, being 3.7% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001325670_2013_Primis_Financial_Corp.pdf", "shrinked_graph_json": {"2012": {"Deposits": "-3.02", "Liabilities": "1.81", "Stockholders Equity": "3.58", "ECR before LimitedLiability": "3.93", "Other Liabilities": "15.5", "Liabilities and Borrowings": "-50.4", "Long-term Debt": "0.928", "Loans and Leases Receivable": "10.4", "Assets": "1.77", "Cash Deposits and Cash Equivalents": "-0.299", "Property, Plant and Equipment": "-0.511", "Other Assets": "-5.43", "Assets and Securities": "-2.95", "Goodwill": "0.272", "Other Revenues": "-0.230", "Revenues": "-0.230", "Net Income": "0.421", "Other Net Income": "0.636", "Comprehensive Net Income": "0.392", "Other Expenses": "-0.219", "Economic Capital Ratio": "3.73"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001325670_strength_weakness.svg", "table_records": {"2012": {"input_variables": {"Assets and Securities": "5,354", "Cash Deposits and Cash Equivalents": "39,200", "Deposits": "550,977", "Fees": "0", "Goodwill": "9,160", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "507,331", "Loans and Leases Receivable": "523,085", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "140,461", "Other Compr. Net Income": "201", "Other Expenses": "3,115", "Other Liabilities": "-437,672", "Other Net Income": "9,684", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "6,552"}, "output_variables": {"Liabilities": "620,636", "Assets": "723,812", "Expenses": "3,115", "Revenues": "0", "Stockholders Equity": "103,176", "Net Income": "6,569", "Comprehensive Net Income": "6,770", "BaseVar": "695,819", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}}, "top_rated": true, "trend": null, "value": 0.15475370798542026, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001325670.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001325670.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001325670.svg"}, {"company_id": "0000913341", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000913341.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000913341.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000913341.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000913341_256x256.png", "name": "C F Financial CORP", "rank": 11, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000913341.svg", "report_text": "The relative strengths and weaknesses of C F 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. <br/><br/>The greatest strength of C F Financial CORP compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 14% points.The greatest weakness of C F Financial CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 17% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 15%, being 3.7% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000913341_2013_C_F_Financial_CORP.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "-12.4", "Liabilities": "0.645", "Stockholders Equity": "-0.593", "ECR before LimitedLiability": "1.44", "Other Liabilities": "-21.5", "Liabilities and Borrowings": "13.5", "Deposits": "5.43", "Other Assets": "-2.67", "Assets": "-1.07", "Assets and Securities": "-2.04", "Loans and Leases Receivable": "6.40", "Cash Deposits and Cash Equivalents": "-3.70", "Property, Plant and Equipment": "1.01", "Other Revenues": "-0.658", "Revenues": "-0.658", "Net Income": "2.55", "Comprehensive Net Income": "2.30", "Other Compr. Net Income": "-0.252", "Other Net Income": "3.37", "Other Expenses": "-0.287", "Economic Capital Ratio": "1.19"}, "2012": {"Deposits": "5.31", "Liabilities": "2.26", "ECR before LimitedLiability": "3.90", "Other Liabilities": "-17.2", "Liabilities and Borrowings": "14.5", "Long-term Debt": "-12.0", "Loans and Leases Receivable": "3.80", "Assets": "-1.80", "Comprehensive Net Income": "3.56", "Cash Deposits and Cash Equivalents": "-2.50", "Property, Plant and Equipment": "0.807", "Other Assets": "-2.61", "Assets and Securities": "-1.26", "Expenses": "-1.25", "Net Income": "3.19", "Other Expenses": "-1.49", "Other Revenues": "-0.236", "Revenues": "-0.236", "Other Compr. Net Income": "0.380", "Other Net Income": "4.64", "Economic Capital Ratio": "3.70"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000913341_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "30,671", "Cash Deposits and Cash Equivalents": "11,507", "Deposits": "646,416", "Fees": "0", "Goodwill": "10,724", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "23,356", "Loans and Leases Receivable": "616,984", "Long-term Debt": "132,987", "Occupancy": "0", "Other Assets": "229,776", "Other Compr. Net Income": "0", "Other Expenses": "5,735", "Other Liabilities": "29,275", "Other Net Income": "18,711", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "28,462"}, "output_variables": {"Liabilities": "832,034", "Assets": "928,124", "Expenses": "5,735", "Revenues": "0", "Stockholders Equity": "96,090", "Net Income": "12,976", "Comprehensive Net Income": "12,976", "BaseVar": "924,448", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2012": {"input_variables": {"Assets and Securities": "32,111", "Cash Deposits and Cash Equivalents": "25,620", "Deposits": "686,184", "Fees": "0", "Goodwill": "10,724", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "25,054", "Loans and Leases Receivable": "640,283", "Long-term Debt": "132,987", "Occupancy": "0", "Other Assets": "241,197", "Other Compr. Net Income": "1,332", "Other Expenses": "7,646", "Other Liabilities": "30,596", "Other Net Income": "24,028", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "27,083"}, "output_variables": {"Liabilities": "874,821", "Assets": "977,018", "Expenses": "7,646", "Revenues": "0", "Stockholders Equity": "102,197", "Net Income": "16,382", "Comprehensive Net Income": "17,714", "BaseVar": "985,825", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}}, "top_rated": true, "trend": 9.0, "value": 0.15444714385486374, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000913341.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000913341.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000913341.svg"}, {"company_id": "0000714562", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000714562.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000714562.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000714562.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000714562_256x256.png", "name": "First Financial CORP IN", "rank": 12, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000714562.svg", "report_text": "The relative strengths and weaknesses of First Financial CORP IN 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. <br/><br/>The greatest strength of First Financial CORP IN compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 15% points.The greatest weakness of First Financial CORP IN is the variable Loans and Leases Receivable, reducing the Economic Capital Ratio by 33% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 15%, being 3.6% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000714562_2013_First_Financial_CORP_IN.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.12", "Liabilities": "0.798", "Other Assets": "-0.509", "Stockholders Equity": "0.659", "ECR before LimitedLiability": "2.00", "Other Liabilities": "-27.6", "Liabilities and Borrowings": "13.9", "Deposits": "-1.51", "Expenses": "0.280", "Net Income": "2.09", "Other Expenses": "0.184", "Other Revenues": "-0.655", "Revenues": "-0.655", "Assets and Securities": "-2.90", "Loans and Leases Receivable": "4.97", "Cash Deposits and Cash Equivalents": "-1.29", "Property, Plant and Equipment": "-0.239", "Other Net Income": "2.46", "Comprehensive Net Income": "1.70", "Other Compr. Net Income": "-0.398", "Economic Capital Ratio": "1.74"}, "2012": {"Deposits": "-4.33", "Liabilities": "1.70", "Stockholders Equity": "2.30", "ECR before LimitedLiability": "3.84", "Other Liabilities": "-15.0", "Liabilities and Borrowings": "13.3", "Long-term Debt": "0.934", "Loans and Leases Receivable": "-33.0", "Assets": "0.670", "Cash Deposits and Cash Equivalents": "-2.11", "Other Assets": "15.4", "Assets and Securities": "-2.11", "Goodwill": "0.285", "Other Revenues": "-0.231", "Revenues": "-0.231", "Net Income": "1.25", "Comprehensive Net Income": "1.51", "Other Compr. Net Income": "0.265", "Other Net Income": "1.62", "Other Expenses": "-0.377", "Economic Capital Ratio": "3.63"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000714562_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "59,964", "Cash Deposits and Cash Equivalents": "134,280", "Deposits": "2,274,499", "Fees": "0", "Goodwill": "36,897", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "86,152", "Loans and Leases Receivable": "1,874,438", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "808,377", "Other Compr. Net Income": "-1,125", "Other Expenses": "14,397", "Other Liabilities": "246,449", "Other Net Income": "51,592", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "40,105"}, "output_variables": {"Liabilities": "2,607,100", "Assets": "2,954,061", "Expenses": "14,397", "Revenues": "0", "Stockholders Equity": "346,961", "Net Income": "37,195", "Comprehensive Net Income": "36,070", "BaseVar": "2,902,392", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2012": {"input_variables": {"Assets and Securities": "56,622", "Cash Deposits and Cash Equivalents": "87,230", "Deposits": "2,276,134", "Fees": "0", "Goodwill": "37,612", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "206,601", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "2,666,636", "Other Compr. Net Income": "3,022", "Other Expenses": "13,818", "Other Liabilities": "40,551", "Other Net Income": "46,630", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "47,308"}, "output_variables": {"Liabilities": "2,523,286", "Assets": "2,895,408", "Expenses": "13,818", "Revenues": "0", "Stockholders Equity": "372,122", "Net Income": "32,812", "Comprehensive Net Income": "35,834", "BaseVar": "2,824,545", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}}, "top_rated": true, "trend": 1.0, "value": 0.15378212875467465, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000714562.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000714562.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000714562.svg"}, {"company_id": "0001028918", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001028918.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001028918.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001028918.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001028918_256x256.png", "name": "Pacific Premier Bancorp INC", "rank": 13, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001028918.svg", "report_text": "The relative strengths and weaknesses of Pacific Premier 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. <br/><br/>The greatest strength of Pacific Premier Bancorp INC compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Pacific Premier Bancorp INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 27% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 15%, being 3.0% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001028918_2013_Pacific_Premier_Bancorp_INC.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.06", "Liabilities": "-0.268", "Stockholders Equity": "-1.66", "ECR before LimitedLiability": "-0.824", "Other Liabilities": "-22.1", "Liabilities and Borrowings": "11.5", "Deposits": "-8.78", "Other Assets": "-8.50", "Assets": "-1.29", "Goodwill": "-0.918", "Assets and Securities": "-4.12", "Loans and Leases Receivable": "9.98", "Property, Plant and Equipment": "-0.500", "Expenses": "-0.361", "Revenues": "-0.644", "Net Income": "1.37", "Other Expenses": "-0.456", "Other Revenues": "-0.644", "Other Net Income": "2.32", "Comprehensive Net Income": "1.13", "Economic Capital Ratio": "-1.08"}, "2012": {"Deposits": "-1.21", "Liabilities": "2.34", "Stockholders Equity": "0.951", "ECR before LimitedLiability": "3.25", "Other Liabilities": "-26.6", "Liabilities and Borrowings": "14.4", "Long-term Debt": "0.945", "Loans and Leases Receivable": "13.7", "Assets": "-1.10", "Cash Deposits and Cash Equivalents": "-0.726", "Property, Plant and Equipment": "-0.679", "Other Assets": "-11.6", "Assets and Securities": "-3.38", "Goodwill": "-0.687", "Expenses": "-1.54", "Revenues": "-0.235", "Net Income": "1.96", "Other Expenses": "-1.78", "Other Revenues": "-0.235", "Comprehensive Net Income": "2.08", "Other Net Income": "3.70", "Economic Capital Ratio": "3.05"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001028918_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "3,727", "Cash Deposits and Cash Equivalents": "60,235", "Deposits": "828,877", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "6,664", "Loans and Leases Receivable": "730,067", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "157,280", "Other Compr. Net Income": "0", "Other Expenses": "6,411", "Other Liabilities": "38,810", "Other Net Income": "16,983", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "9,819"}, "output_variables": {"Liabilities": "874,351", "Assets": "961,128", "Expenses": "6,411", "Revenues": "0", "Stockholders Equity": "86,777", "Net Income": "10,572", "Comprehensive Net Income": "10,572", "BaseVar": "960,200", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2012": {"input_variables": {"Assets and Securities": "3,276", "Cash Deposits and Cash Equivalents": "59,352", "Deposits": "904,768", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "974,213", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "128,376", "Other Compr. Net Income": "787", "Other Expenses": "9,989", "Other Liabilities": "134,507", "Other Net Income": "25,765", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "8,575"}, "output_variables": {"Liabilities": "1,039,275", "Assets": "1,173,792", "Expenses": "9,989", "Revenues": "0", "Stockholders Equity": "134,517", "Net Income": "15,776", "Comprehensive Net Income": "16,563", "BaseVar": "1,172,855", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}}, "top_rated": true, "trend": 27.0, "value": 0.14796525758438941, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001028918.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001028918.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001028918.svg"}, {"company_id": "0000732417", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000732417.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000732417.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000732417.jpeg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000732417_256x256.png", "name": "Hills Bancorporation", "rank": 14, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000732417.svg", "report_text": "The relative strengths and weaknesses of Hills 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. <br/><br/>The greatest strength of Hills Bancorporation compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 15% points.The greatest weakness of Hills Bancorporation is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 44% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 15%, being 3.0% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000732417_2013_Hills_Bancorporation.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.13", "Liabilities": "1.13", "Stockholders Equity": "0.588", "ECR before LimitedLiability": "2.79", "Other Liabilities": "15.1", "Liabilities and Borrowings": "-37.9", "Other Assets": "-10.3", "Assets": "-0.403", "Goodwill": "-0.824", "Assets and Securities": "-4.15", "Loans and Leases Receivable": "14.7", "Cash Deposits and Cash Equivalents": "-3.51", "Property, Plant and Equipment": "-0.138", "Expenses": "0.101", "Net Income": "2.35", "Other Revenues": "-0.659", "Revenues": "-0.659", "Other Net Income": "2.90", "Comprehensive Net Income": "2.51", "Other Compr. Net Income": "0.166", "Economic Capital Ratio": "2.53"}, "2012": {"Deposits": "-4.42", "Liabilities": "1.57", "Stockholders Equity": "1.70", "ECR before LimitedLiability": "3.21", "Other Liabilities": "14.7", "Liabilities and Borrowings": "-43.9", "Long-term Debt": "0.932", "Loans and Leases Receivable": "13.3", "Assets": "0.229", "Cash Deposits and Cash Equivalents": "-2.12", "Other Assets": "-9.18", "Assets and Securities": "-3.32", "Goodwill": "-0.590", "Other Revenues": "-0.231", "Revenues": "-0.231", "Net Income": "1.78", "Comprehensive Net Income": "1.45", "Other Compr. Net Income": "-0.326", "Other Net Income": "2.23", "Other Expenses": "-0.463", "Economic Capital Ratio": "3.00"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000732417_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "5,003", "Cash Deposits and Cash Equivalents": "29,291", "Deposits": "1,525,477", "Fees": "0", "Goodwill": "2,500", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,319,254", "Loans and Leases Receivable": "1,686,531", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "264,651", "Other Compr. Net Income": "2,193", "Other Expenses": "10,829", "Other Liabilities": "-1,062,689", "Other Net Income": "37,606", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "30,321"}, "output_variables": {"Liabilities": "1,782,042", "Assets": "2,018,297", "Expenses": "10,829", "Revenues": "0", "Stockholders Equity": "236,255", "Net Income": "26,777", "Comprehensive Net Income": "28,970", "BaseVar": "1,992,059", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2012": {"input_variables": {"Assets and Securities": "6,069", "Cash Deposits and Cash Equivalents": "63,582", "Deposits": "1,662,544", "Fees": "0", "Goodwill": "2,500", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,404,692", "Loans and Leases Receivable": "1,697,002", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "299,943", "Other Compr. Net Income": "-1,019", "Other Expenses": "10,542", "Other Liabilities": "-1,223,427", "Other Net Income": "37,375", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "30,624"}, "output_variables": {"Liabilities": "1,843,809", "Assets": "2,099,720", "Expenses": "10,542", "Revenues": "0", "Stockholders Equity": "255,911", "Net Income": "26,833", "Comprehensive Net Income": "25,814", "BaseVar": "2,060,583", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}}, "top_rated": true, "trend": -2.0, "value": 0.14748520543762608, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000732417.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000732417.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000732417.svg"}, {"company_id": "0000034782", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000034782.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000034782.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000034782.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000034782_256x256.png", "name": "1ST Source CORP", "rank": 15, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000034782.svg", "report_text": "The relative strengths and weaknesses of 1ST Source 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. <br/><br/>The greatest strength of 1ST Source CORP compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 14% points.The greatest weakness of 1ST Source CORP is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 49% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.6% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000034782_2013_1ST_Source_CORP.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.11", "Liabilities": "0.908", "Other Assets": "-0.666", "Stockholders Equity": "0.859", "ECR before LimitedLiability": "1.75", "Other Liabilities": "14.1", "Liabilities and Borrowings": "-46.5", "Deposits": "-4.82", "Other Revenues": "-0.655", "Revenues": "-0.655", "Net Income": "1.50", "Goodwill": "-0.915", "Assets and Securities": "-2.08", "Loans and Leases Receivable": "8.39", "Cash Deposits and Cash Equivalents": "-4.53", "Property, Plant and Equipment": "-0.568", "Comprehensive Net Income": "1.25", "Other Net Income": "2.24", "Other Expenses": "-0.195", "Other Compr. Net Income": "-0.251", "Economic Capital Ratio": "1.49"}, "2012": {"Deposits": "-4.98", "Liabilities": "1.50", "Stockholders Equity": "1.78", "ECR before LimitedLiability": "2.84", "Other Liabilities": "14.4", "Liabilities and Borrowings": "-49.1", "Long-term Debt": "0.927", "Loans and Leases Receivable": "8.81", "Assets": "0.362", "Cash Deposits and Cash Equivalents": "-4.27", "Property, Plant and Equipment": "-0.469", "Other Assets": "-1.83", "Assets and Securities": "-1.59", "Goodwill": "-0.678", "Expenses": "-0.502", "Revenues": "-0.231", "Net Income": "1.06", "Other Expenses": "-0.737", "Other Revenues": "-0.231", "Comprehensive Net Income": "1.01", "Other Net Income": "1.79", "Economic Capital Ratio": "2.63"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000034782_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "139,012", "Cash Deposits and Cash Equivalents": "0", "Deposits": "3,520,141", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,124,961", "Loans and Leases Receivable": "3,008,899", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,186,303", "Other Compr. Net Income": "0", "Other Expenses": "25,594", "Other Liabilities": "-2,794,949", "Other Net Income": "73,789", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "39,857"}, "output_variables": {"Liabilities": "3,850,153", "Assets": "4,374,071", "Expenses": "25,594", "Revenues": "0", "Stockholders Equity": "523,918", "Net Income": "48,195", "Comprehensive Net Income": "48,195", "BaseVar": "4,292,492", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2012": {"input_variables": {"Assets and Securities": "123,428", "Cash Deposits and Cash Equivalents": "0", "Deposits": "3,624,347", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,205,365", "Loans and Leases Receivable": "3,244,242", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,138,007", "Other Compr. Net Income": "1,028", "Other Expenses": "26,047", "Other Liabilities": "-2,837,674", "Other Net Income": "75,680", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "45,016"}, "output_variables": {"Liabilities": "3,992,038", "Assets": "4,550,693", "Expenses": "26,047", "Revenues": "0", "Stockholders Equity": "558,655", "Net Income": "49,633", "Comprehensive Net Income": "50,661", "BaseVar": "4,457,866", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}}, "top_rated": true, "trend": 0.0, "value": 0.1437982343926254, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000034782.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000034782.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000034782.svg"}, {"company_id": "0000739421", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000739421.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000739421.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000739421.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000739421_256x256.png", "name": "Citizens Financial Services INC", "rank": 16, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000739421.svg", "report_text": "The relative strengths and weaknesses of Citizens 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. <br/><br/>The greatest strength of Citizens Financial Services INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Citizens Financial Services INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 54% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.5% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000739421_2013_Citizens_Financial_Services_INC.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.10", "Liabilities": "-0.377", "Stockholders Equity": "-1.45", "ECR before LimitedLiability": "0.734", "Other Liabilities": "13.1", "Liabilities and Borrowings": "-49.4", "Deposits": "-6.61", "Other Assets": "6.77", "Assets": "-0.999", "Assets and Securities": "-3.64", "Loans and Leases Receivable": "-2.00", "Cash Deposits and Cash Equivalents": "-2.12", "Property, Plant and Equipment": "-0.271", "Expenses": "0.589", "Revenues": "-0.652", "Net Income": "2.74", "Other Expenses": "0.494", "Other Revenues": "-0.652", "Other Net Income": "2.80", "Comprehensive Net Income": "2.50", "Economic Capital Ratio": "0.480"}, "2012": {"Deposits": "-7.36", "Liabilities": "1.01", "ECR before LimitedLiability": "2.71", "Other Liabilities": "14.3", "Liabilities and Borrowings": "-53.5", "Long-term Debt": "0.932", "Loans and Leases Receivable": "-2.55", "Assets": "-0.934", "Comprehensive Net Income": "2.68", "Cash Deposits and Cash Equivalents": "-2.21", "Property, Plant and Equipment": "-0.254", "Other Assets": "6.77", "Assets and Securities": "-2.84", "Goodwill": "0.168", "Other Revenues": "-0.232", "Revenues": "-0.232", "Net Income": "2.95", "Other Compr. Net Income": "-0.277", "Other Net Income": "3.32", "Other Expenses": "-0.391", "Economic Capital Ratio": "2.50"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000739421_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "9,042", "Cash Deposits and Cash Equivalents": "30,432", "Deposits": "733,993", "Fees": "0", "Goodwill": "10,256", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "656,100", "Loans and Leases Receivable": "481,022", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "336,113", "Other Compr. Net Income": "0", "Other Expenses": "3,610", "Other Liabilities": "-592,994", "Other Net Income": "16,442", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "11,702"}, "output_variables": {"Liabilities": "797,099", "Assets": "878,567", "Expenses": "3,610", "Revenues": "0", "Stockholders Equity": "81,468", "Net Income": "12,832", "Comprehensive Net Income": "12,832", "BaseVar": "874,227", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2012": {"input_variables": {"Assets and Securities": "8,935", "Cash Deposits and Cash Equivalents": "26,333", "Deposits": "737,096", "Fees": "0", "Goodwill": "10,256", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "656,189", "Loans and Leases Receivable": "495,679", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "329,703", "Other Compr. Net Income": "-318", "Other Expenses": "4,331", "Other Liabilities": "-600,333", "Other Net Income": "18,546", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "11,521"}, "output_variables": {"Liabilities": "792,952", "Assets": "882,427", "Expenses": "4,331", "Revenues": "0", "Stockholders Equity": "89,475", "Net Income": "14,215", "Comprehensive Net Income": "13,897", "BaseVar": "879,788", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}}, "top_rated": true, "trend": 14.0, "value": 0.14250521920269293, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000739421.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000739421.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000739421.svg"}, {"company_id": "0001069157", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001069157.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001069157.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001069157.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001069157_256x256.png", "name": "EAST WEST Bancorp INC", "rank": 17, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001069157.svg", "report_text": "The relative strengths and weaknesses of EAST WEST 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. <br/><br/>The greatest strength of EAST WEST Bancorp INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 14% points.The greatest weakness of EAST WEST Bancorp INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 35% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.3% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001069157_2013_EAST_WEST_Bancorp_INC.pdf", "shrinked_graph_json": {"2012": {"Deposits": "-5.25", "Liabilities": "1.31", "Stockholders Equity": "0.251", "ECR before LimitedLiability": "2.50", "Other Liabilities": "14.0", "Liabilities and Borrowings": "-35.0", "Long-term Debt": "0.399", "Loans and Leases Receivable": "3.96", "Assets": "-0.872", "Property, Plant and Equipment": "-0.859", "Other Assets": "-2.25", "Assets and Securities": "-1.93", "Goodwill": "0.416", "Expenses": "-0.722", "Net Income": "1.60", "Other Expenses": "-0.959", "Other Revenues": "-0.233", "Revenues": "-0.233", "Comprehensive Net Income": "2.11", "Other Compr. Net Income": "0.514", "Other Net Income": "2.54", "Economic Capital Ratio": "2.29"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001069157_strength_weakness.svg", "table_records": {"2012": {"input_variables": {"Assets and Securities": "517,718", "Cash Deposits and Cash Equivalents": "1,323,106", "Deposits": "18,309,354", "Fees": "0", "Goodwill": "337,438", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "13,793,477", "Loans and Leases Receivable": "14,645,785", "Long-term Debt": "137,178", "Occupancy": "0", "Other Assets": "5,604,546", "Other Compr. Net Income": "38,609", "Other Expenses": "143,942", "Other Liabilities": "-12,086,021", "Other Net Income": "425,592", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "107,517"}, "output_variables": {"Liabilities": "20,153,988", "Assets": "22,536,110", "Expenses": "143,942", "Revenues": "0", "Stockholders Equity": "2,382,122", "Net Income": "281,650", "Comprehensive Net Income": "320,259", "BaseVar": "22,448,829", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}}, "top_rated": true, "trend": null, "value": 0.14044436443377267, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001069157.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001069157.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001069157.svg"}, {"company_id": "0000868671", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000868671.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000868671.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000868671.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000868671_256x256.png", "name": "Glacier Bancorp INC", "rank": 18, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000868671.svg", "report_text": "The relative strengths and weaknesses of Glacier 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. <br/><br/>The greatest strength of Glacier Bancorp INC compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Glacier Bancorp INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 57% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.2% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000868671_2013_Glacier_Bancorp_INC.pdf", "shrinked_graph_json": {"2012": {"Deposits": "14.0", "Liabilities": "0.307", "Stockholders Equity": "1.31", "ECR before LimitedLiability": "2.45", "Other Liabilities": "-56.6", "Liabilities and Borrowings": "-27.9", "Long-term Debt": "0.913", "Loans and Leases Receivable": "-11.0", "Assets": "0.946", "Cash Deposits and Cash Equivalents": "-2.53", "Property, Plant and Equipment": "0.327", "Other Assets": "13.4", "Assets and Securities": "-3.12", "Goodwill": "0.340", "Expenses": "0.738", "Net Income": "0.637", "Other Expenses": "0.507", "Other Revenues": "-0.228", "Revenues": "-0.228", "Comprehensive Net Income": "1.21", "Other Compr. Net Income": "0.579", "Economic Capital Ratio": "2.24"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000868671_strength_weakness.svg", "table_records": {"2012": {"input_variables": {"Assets and Securities": "41,969", "Cash Deposits and Cash Equivalents": "187,040", "Deposits": "0", "Fees": "0", "Goodwill": "106,100", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,237,944", "Loans and Leases Receivable": "3,266,571", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "3,986,771", "Other Compr. Net Income": "14,475", "Other Expenses": "19,077", "Other Liabilities": "2,608,547", "Other Net Income": "94,593", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "158,989"}, "output_variables": {"Liabilities": "6,846,491", "Assets": "7,747,440", "Expenses": "19,077", "Revenues": "0", "Stockholders Equity": "900,949", "Net Income": "75,516", "Comprehensive Net Income": "89,991", "BaseVar": "7,529,549", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}}, "top_rated": true, "trend": null, "value": 0.13988875273017976, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000868671.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000868671.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000868671.svg"}, {"company_id": "0000350852", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000350852.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000350852.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000350852.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000350852_256x256.png", "name": "Community Trust Bancorp INC KY", "rank": 19, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000350852.svg", "report_text": "The relative strengths and weaknesses of Community Trust Bancorp INC KY 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. <br/><br/>The greatest strength of Community Trust Bancorp INC KY compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Community Trust Bancorp INC KY is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 40% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.2% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000350852_2013_Community_Trust_Bancorp_INC_KY.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "-0.383", "Liabilities": "-0.307", "Stockholders Equity": "-0.604", "Economic Capital Ratio": "-0.135", "Other Liabilities": "12.4", "Liabilities and Borrowings": "-36.2", "Deposits": "-4.12", "Other Assets": "-6.61", "Assets": "-0.294", "Goodwill": "0.425", "Assets and Securities": "-3.69", "Loans and Leases Receivable": "8.64", "Cash Deposits and Cash Equivalents": "0.235", "Expenses": "0.353", "Net Income": "1.37", "Other Expenses": "0.259", "Other Revenues": "-0.646", "Revenues": "-0.646", "Other Net Income": "1.65", "Comprehensive Net Income": "1.13", "Other Compr. Net Income": "-0.248"}, "2012": {"Deposits": "-4.49", "Liabilities": "1.11", "Stockholders Equity": "0.670", "ECR before LimitedLiability": "2.44", "Other Liabilities": "14.0", "Liabilities and Borrowings": "-39.7", "Long-term Debt": "0.926", "Loans and Leases Receivable": "7.15", "Assets": "-0.327", "Cash Deposits and Cash Equivalents": "-0.202", "Other Assets": "-4.91", "Assets and Securities": "-2.93", "Goodwill": "0.648", "Expenses": "-0.420", "Revenues": "-0.231", "Net Income": "1.57", "Other Expenses": "-0.656", "Other Revenues": "-0.231", "Comprehensive Net Income": "1.69", "Other Net Income": "2.21", "Economic Capital Ratio": "2.23"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000350852_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "33,660", "Cash Deposits and Cash Equivalents": "238,481", "Deposits": "2,878,359", "Fees": "0", "Goodwill": "65,490", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,326,347", "Loans and Leases Receivable": "2,523,377", "Long-term Debt": "61,341", "Occupancy": "0", "Other Assets": "675,874", "Other Compr. Net Income": "0", "Other Expenses": "16,811", "Other Liabilities": "-2,041,734", "Other Net Income": "55,638", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "54,297"}, "output_variables": {"Liabilities": "3,224,313", "Assets": "3,591,179", "Expenses": "16,811", "Revenues": "0", "Stockholders Equity": "366,866", "Net Income": "38,827", "Comprehensive Net Income": "38,827", "BaseVar": "3,539,241", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2012": {"input_variables": {"Assets and Securities": "31,882", "Cash Deposits and Cash Equivalents": "207,560", "Deposits": "2,903,848", "Fees": "0", "Goodwill": "65,490", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,343,668", "Loans and Leases Receivable": "2,517,328", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "759,083", "Other Compr. Net Income": "2,482", "Other Expenses": "20,225", "Other Liabilities": "-2,012,196", "Other Net Income": "65,087", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "54,321"}, "output_variables": {"Liabilities": "3,235,320", "Assets": "3,635,664", "Expenses": "20,225", "Revenues": "0", "Stockholders Equity": "400,344", "Net Income": "44,862", "Comprehensive Net Income": "47,344", "BaseVar": "3,594,838", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}}, "top_rated": true, "trend": 13.0, "value": 0.13980439639415837, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000350852.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000350852.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000350852.svg"}, {"company_id": "0000946647", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000946647.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000946647.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000946647.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000946647_256x256.png", "name": "Premier Financial CORP", "rank": 20, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000946647.svg", "report_text": "The relative strengths and weaknesses of Premier 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. <br/><br/>The greatest strength of Premier Financial CORP compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Premier Financial CORP is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 45% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.2% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000946647_2013_Premier_Financial_CORP.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.09", "Liabilities": "0.347", "Stockholders Equity": "2.27", "ECR before LimitedLiability": "1.71", "Other Liabilities": "14.0", "Liabilities and Borrowings": "-40.2", "Deposits": "-3.43", "Other Assets": "14.0", "Assets": "1.80", "Goodwill": "1.33", "Assets and Securities": "4.39", "Loans and Leases Receivable": "-32.0", "Cash Deposits and Cash Equivalents": "1.74", "Property, Plant and Equipment": "0.222", "Expenses": "0.867", "Revenues": "-0.644", "Net Income": "0.220", "Other Expenses": "0.772", "Other Revenues": "-0.644", "Economic Capital Ratio": "1.45", "Other Compr. Net Income": "-0.247"}, "2012": {"Deposits": "-7.58", "Liabilities": "0.859", "Stockholders Equity": "2.15", "ECR before LimitedLiability": "2.41", "Other Liabilities": "14.0", "Liabilities and Borrowings": "-44.6", "Long-term Debt": "0.914", "Loans and Leases Receivable": "-33.1", "Assets": "1.25", "Cash Deposits and Cash Equivalents": "0.617", "Property, Plant and Equipment": "0.248", "Other Assets": "14.0", "Assets and Securities": "3.85", "Goodwill": "1.57", "Expenses": "0.176", "Net Income": "0.411", "Other Revenues": "-0.228", "Revenues": "-0.228", "Comprehensive Net Income": "0.326", "Other Net Income": "0.463", "Economic Capital Ratio": "2.20"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000946647_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "242,223", "Cash Deposits and Cash Equivalents": "174,931", "Deposits": "1,596,241", "Fees": "0", "Goodwill": "61,525", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,364,424", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,549,466", "Other Compr. Net Income": "0", "Other Expenses": "6,665", "Other Liabilities": "-1,170,602", "Other Net Income": "22,199", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "40,045"}, "output_variables": {"Liabilities": "1,790,063", "Assets": "2,068,190", "Expenses": "6,665", "Revenues": "0", "Stockholders Equity": "278,127", "Net Income": "15,534", "Comprehensive Net Income": "15,534", "BaseVar": "1,981,515", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2012": {"input_variables": {"Assets and Securities": "203,783", "Cash Deposits and Cash Equivalents": "136,832", "Deposits": "1,667,472", "Fees": "0", "Goodwill": "61,525", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,371,634", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,605,145", "Other Compr. Net Income": "277", "Other Expenses": "8,012", "Other Liabilities": "-1,250,286", "Other Net Income": "26,676", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "39,663"}, "output_variables": {"Liabilities": "1,788,820", "Assets": "2,046,948", "Expenses": "8,012", "Revenues": "0", "Stockholders Equity": "258,128", "Net Income": "18,664", "Comprehensive Net Income": "18,941", "BaseVar": "1,981,345", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}}, "top_rated": true, "trend": -3.0, "value": 0.1395357760590091, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000946647.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000946647.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000946647.svg"}, {"company_id": "0000035527", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000035527.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000035527.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000035527.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000035527_256x256.png", "name": "Fifth Third Bancorp", "rank": 21, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000035527.svg", "report_text": "The relative strengths and weaknesses of Fifth Third 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. <br/><br/>The greatest strength of Fifth Third Bancorp compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Fifth Third Bancorp is the variable Other Liabilities, reducing the Economic Capital Ratio by 21% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.1% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000035527_2013_Fifth_Third_Bancorp.pdf", "shrinked_graph_json": {"2012": {"Deposits": "1.22", "Liabilities": "1.24", "Loans and Leases Receivable": "6.96", "Stockholders Equity": "0.910", "ECR before LimitedLiability": "2.35", "Other Liabilities": "-21.4", "Liabilities and Borrowings": "13.3", "Long-term Debt": "-4.34", "Expenses": "-0.291", "Net Income": "1.79", "Other Expenses": "-0.526", "Other Revenues": "-0.231", "Revenues": "-0.231", "Cash Deposits and Cash Equivalents": "-2.88", "Property, Plant and Equipment": "0.332", "Other Assets": "-8.06", "Assets and Securities": "2.96", "Goodwill": "0.784", "Comprehensive Net Income": "1.36", "Other Net Income": "2.30", "Other Compr. Net Income": "-0.431", "Economic Capital Ratio": "2.15"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000035527_strength_weakness.svg", "table_records": {"2012": {"input_variables": {"Assets and Securities": "10,832,000", "Cash Deposits and Cash Equivalents": "2,441,000", "Deposits": "89,517,000", "Fees": "0", "Goodwill": "2,416,000", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,639,000", "Loans and Leases Receivable": "83,928,000", "Long-term Debt": "7,085,000", "Occupancy": "0", "Other Assets": "19,735,000", "Other Compr. Net Income": "-93,000", "Other Expenses": "636,000", "Other Liabilities": "8,889,000", "Other Net Income": "2,210,000", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "2,542,000"}, "output_variables": {"Liabilities": "108,130,000", "Assets": "121,894,000", "Expenses": "636,000", "Revenues": "0", "Stockholders Equity": "13,764,000", "Net Income": "1,574,000", "Comprehensive Net Income": "1,481,000", "BaseVar": "120,346,285", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}}, "top_rated": true, "trend": null, "value": 0.13894691902901282, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000035527.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000035527.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000035527.svg"}, {"company_id": "0000102212", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000102212.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000102212.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000102212.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000102212_256x256.png", "name": "Univest Financial Corp", "rank": 22, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000102212.svg", "report_text": "The relative strengths and weaknesses of Univest 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. <br/><br/>The greatest strength of Univest Financial Corp compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Univest Financial Corp is the variable Other Liabilities, reducing the Economic Capital Ratio by 20% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 14%, being 1.9% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000102212_2013_Univest_Financial_Corp.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "0.888", "Liabilities": "-0.336", "Stockholders Equity": "1.35", "ECR before LimitedLiability": "1.15", "Other Liabilities": "-26.8", "Liabilities and Borrowings": "13.3", "Deposits": "-5.10", "Other Assets": "-0.353", "Assets": "1.53", "Goodwill": "0.891", "Assets and Securities": "-4.27", "Loans and Leases Receivable": "6.22", "Cash Deposits and Cash Equivalents": "-0.964", "Expenses": "1.27", "Net Income": "0.609", "Other Expenses": "1.18", "Other Revenues": "-0.642", "Revenues": "-0.642", "Comprehensive Net Income": "0.364", "Other Compr. Net Income": "-0.246", "Economic Capital Ratio": "0.893"}, "2012": {"Deposits": "-7.36", "Liabilities": "0.255", "Stockholders Equity": "1.95", "ECR before LimitedLiability": "2.09", "Other Liabilities": "-20.5", "Liabilities and Borrowings": "13.3", "Long-term Debt": "0.905", "Loans and Leases Receivable": "4.11", "Assets": "1.59", "Cash Deposits and Cash Equivalents": "0.379", "Other Assets": "-0.364", "Assets and Securities": "-3.49", "Goodwill": "1.15", "Expenses": "0.745", "Revenues": "-0.227", "Net Income": "0.400", "Labor Expense": "0.155", "Other Expenses": "0.516", "Other Revenues": "-0.227", "Comprehensive Net Income": "0.264", "Economic Capital Ratio": "1.88"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000102212_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "107,377", "Deposits": "1,749,232", "Fees": "0", "Goodwill": "53,169", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,416,536", "Long-term Debt": "5,000", "Occupancy": "0", "Other Assets": "595,454", "Other Compr. Net Income": "0", "Other Expenses": "4,776", "Other Liabilities": "179,628", "Other Net Income": "23,658", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "34,303"}, "output_variables": {"Liabilities": "1,933,860", "Assets": "2,206,839", "Expenses": "4,776", "Revenues": "0", "Stockholders Equity": "272,979", "Net Income": "18,882", "Comprehensive Net Income": "18,882", "BaseVar": "2,121,957", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2012": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "146,112", "Deposits": "1,865,333", "Fees": "0", "Goodwill": "56,238", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,457,116", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "612,153", "Other Compr. Net Income": "0", "Other Expenses": "5,551", "Other Liabilities": "155,231", "Other Net Income": "26,423", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "33,222"}, "output_variables": {"Liabilities": "2,020,564", "Assets": "2,304,841", "Expenses": "5,551", "Revenues": "0", "Stockholders Equity": "284,277", "Net Income": "20,872", "Comprehensive Net Income": "20,872", "BaseVar": "2,220,735", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}}, "top_rated": false, "trend": 0.0, "value": 0.13631384061858282, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000102212.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000102212.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000102212.svg"}, {"company_id": "0000842517", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000842517.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000842517.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000842517.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000842517_256x256.png", "name": "Isabella BANK CORP", "rank": 23, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000842517.svg", "report_text": "The relative strengths and weaknesses of Isabella BANK 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. <br/><br/>The greatest strength of Isabella BANK CORP compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Isabella BANK CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 33% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 13%, being 1.6% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000842517_2013_Isabella_BANK_CORP.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.09", "Liabilities": "-0.739", "Stockholders Equity": "0.668", "ECR before LimitedLiability": "1.29", "Other Liabilities": "-37.8", "Liabilities and Borrowings": "13.5", "Deposits": "2.07", "Other Assets": "8.39", "Assets": "1.23", "Goodwill": "-0.900", "Assets and Securities": "-3.59", "Loans and Leases Receivable": "-0.473", "Cash Deposits and Cash Equivalents": "-2.95", "Expenses": "1.71", "Revenues": "-0.642", "Comprehensive Net Income": "1.19", "Other Expenses": "1.62", "Other Revenues": "-0.642", "Other Net Income": "-0.837", "Other Compr. Net Income": "0.953", "Economic Capital Ratio": "1.03"}, "2012": {"Deposits": "1.88", "Liabilities": "-0.188", "Stockholders Equity": "1.24", "ECR before LimitedLiability": "1.82", "Other Liabilities": "-33.1", "Liabilities and Borrowings": "13.1", "Long-term Debt": "0.901", "Loans and Leases Receivable": "-3.44", "Assets": "1.30", "Cash Deposits and Cash Equivalents": "-2.99", "Other Assets": "10.2", "Assets and Securities": "-2.86", "Goodwill": "-0.669", "Expenses": "1.03", "Revenues": "-0.226", "Comprehensive Net Income": "0.722", "Other Expenses": "0.806", "Other Revenues": "-0.226", "Other Net Income": "-0.627", "Other Compr. Net Income": "0.536", "Economic Capital Ratio": "1.62"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000842517_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "12,930", "Cash Deposits and Cash Equivalents": "28,590", "Deposits": "958,164", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "737,916", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "533,863", "Other Compr. Net Income": "4,198", "Other Expenses": "1,354", "Other Liabilities": "224,978", "Other Net Income": "11,564", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "24,626"}, "output_variables": {"Liabilities": "1,183,142", "Assets": "1,337,925", "Expenses": "1,354", "Revenues": "0", "Stockholders Equity": "154,783", "Net Income": "10,210", "Comprehensive Net Income": "14,408", "BaseVar": "1,291,599", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2012": {"input_variables": {"Assets and Securities": "12,784", "Cash Deposits and Cash Equivalents": "24,920", "Deposits": "1,017,667", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "760,817", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "606,331", "Other Compr. Net Income": "2,518", "Other Expenses": "2,363", "Other Liabilities": "248,483", "Other Net Income": "14,569", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "25,787"}, "output_variables": {"Liabilities": "1,266,150", "Assets": "1,430,639", "Expenses": "2,363", "Revenues": "0", "Stockholders Equity": "164,489", "Net Income": "12,206", "Comprehensive Net Income": "14,724", "BaseVar": "1,383,696", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": -2.0, "value": 0.13365524217088587, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000842517.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000842517.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000842517.svg"}, {"company_id": "0000880641", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000880641.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000880641.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000880641.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000880641_256x256.png", "name": "Eagle Financial Services INC", "rank": 24, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000880641.svg", "report_text": "The relative strengths and weaknesses of Eagle 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. <br/><br/>The greatest strength of Eagle Financial Services INC compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Eagle Financial Services INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 192% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 13%, being 1.6% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000880641_2013_Eagle_Financial_Services_INC.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.03", "Liabilities": "-1.40", "Stockholders Equity": "-0.462", "ECR before LimitedLiability": "-1.07", "Other Liabilities": "-207", "Liabilities and Borrowings": "11.2", "Deposits": "11.3", "Other Assets": "-4.76", "Assets": "0.753", "Goodwill": "-0.897", "Assets and Securities": "-3.15", "Loans and Leases Receivable": "9.03", "Cash Deposits and Cash Equivalents": "-1.73", "Property, Plant and Equipment": "0.736", "Expenses": "1.14", "Other Expenses": "1.05", "Other Revenues": "-0.628", "Revenues": "-0.628", "Other Net Income": "-0.324", "Economic Capital Ratio": "-1.32", "Other Compr. Net Income": "-0.240"}, "2012": {"Deposits": "13.3", "Liabilities": "0.458", "Loans and Leases Receivable": "7.23", "Stockholders Equity": "0.490", "ECR before LimitedLiability": "1.77", "Other Liabilities": "-192", "Liabilities and Borrowings": "12.8", "Long-term Debt": "0.912", "Other Revenues": "-0.229", "Revenues": "-0.229", "Net Income": "1.08", "Cash Deposits and Cash Equivalents": "1.67", "Property, Plant and Equipment": "0.858", "Other Assets": "-6.60", "Assets and Securities": "-2.57", "Goodwill": "-0.678", "Comprehensive Net Income": "1.28", "Other Net Income": "1.26", "Other Expenses": "-0.184", "Other Compr. Net Income": "0.194", "Economic Capital Ratio": "1.57"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000880641_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "9,168", "Cash Deposits and Cash Equivalents": "21,941", "Deposits": "0", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "12,000", "Loans and Leases Receivable": "401,681", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "120,032", "Other Compr. Net Income": "0", "Other Expenses": "1,371", "Other Liabilities": "497,932", "Other Net Income": "5,693", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "15,200"}, "output_variables": {"Liabilities": "509,932", "Assets": "568,022", "Expenses": "1,371", "Revenues": "0", "Stockholders Equity": "58,090", "Net Income": "4,322", "Comprehensive Net Income": "4,322", "BaseVar": "551,798", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2012": {"input_variables": {"Assets and Securities": "8,062", "Cash Deposits and Cash Equivalents": "48,690", "Deposits": "0", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "13,002", "Loans and Leases Receivable": "411,520", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "108,459", "Other Compr. Net Income": "517", "Other Expenses": "2,559", "Other Liabilities": "516,568", "Other Net Income": "9,109", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "16,545"}, "output_variables": {"Liabilities": "529,570", "Assets": "593,276", "Expenses": "2,559", "Revenues": "0", "Stockholders Equity": "63,706", "Net Income": "6,550", "Comprehensive Net Income": "7,067", "BaseVar": "583,539", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": 19.0, "value": 0.13315612209442293, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000880641.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000880641.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000880641.svg"}, {"company_id": "0000022356", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000022356.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000022356.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000022356.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000022356_256x256.png", "name": "Commerce Bancshares INC MO", "rank": 25, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000022356.svg", "report_text": "The relative strengths and weaknesses of Commerce Bancshares INC MO 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. <br/><br/>The greatest strength of Commerce Bancshares INC MO compared to the market average is the variable Assets and Securities, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Commerce Bancshares INC MO is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 23% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 13%, being 1.3% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000022356_2013_Commerce_Bancshares_INC_MO.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.11", "Liabilities": "0.430", "Stockholders Equity": "-0.425", "ECR before LimitedLiability": "1.04", "Other Liabilities": "12.6", "Liabilities and Borrowings": "-19.6", "Deposits": "-4.85", "Other Assets": "-15.7", "Assets": "-0.748", "Goodwill": "-0.475", "Assets and Securities": "13.4", "Loans and Leases Receivable": "-9.51", "Cash Deposits and Cash Equivalents": "-2.97", "Other Revenues": "-0.655", "Revenues": "-0.655", "Net Income": "2.03", "Comprehensive Net Income": "1.78", "Other Compr. Net Income": "-0.251", "Other Net Income": "2.75", "Other Expenses": "-0.182", "Economic Capital Ratio": "0.790"}, "2012": {"Deposits": "-6.66", "Liabilities": "0.623", "Stockholders Equity": "-0.369", "ECR before LimitedLiability": "1.49", "Other Liabilities": "12.9", "Liabilities and Borrowings": "-22.6", "Long-term Debt": "0.915", "Loans and Leases Receivable": "-11.0", "Assets": "-0.863", "Cash Deposits and Cash Equivalents": "-2.50", "Other Assets": "-14.3", "Assets and Securities": "13.0", "Goodwill": "-0.269", "Expenses": "-0.470", "Net Income": "1.49", "Other Expenses": "-0.705", "Other Revenues": "-0.231", "Revenues": "-0.231", "Comprehensive Net Income": "1.75", "Other Compr. Net Income": "0.266", "Other Net Income": "2.17", "Economic Capital Ratio": "1.28"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000022356_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "9,764,349", "Cash Deposits and Cash Equivalents": "465,828", "Deposits": "16,799,883", "Fees": "0", "Goodwill": "125,585", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "10,501,247", "Loans and Leases Receivable": "8,992,946", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "940,513", "Other Compr. Net Income": "0", "Other Expenses": "121,412", "Other Liabilities": "-8,822,124", "Other Net Income": "381,035", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "360,146"}, "output_variables": {"Liabilities": "18,479,006", "Assets": "20,649,367", "Expenses": "121,412", "Revenues": "0", "Stockholders Equity": "2,170,361", "Net Income": "259,623", "Comprehensive Net Income": "259,623", "BaseVar": "20,476,128", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2012": {"input_variables": {"Assets and Securities": "10,023,588", "Cash Deposits and Cash Equivalents": "573,066", "Deposits": "18,348,653", "Fees": "0", "Goodwill": "125,585", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "11,353,595", "Loans and Leases Receivable": "9,658,852", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,420,886", "Other Compr. Net Income": "23,696", "Other Expenses": "127,169", "Other Liabilities": "-9,714,233", "Other Net Income": "398,608", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "357,612"}, "output_variables": {"Liabilities": "19,988,015", "Assets": "22,159,589", "Expenses": "127,169", "Revenues": "0", "Stockholders Equity": "2,171,574", "Net Income": "271,439", "Comprehensive Net Income": "295,135", "BaseVar": "22,071,095", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": 0.0, "value": 0.13029614453227664, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000022356.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000022356.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000022356.svg"}, {"company_id": "0001007273", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001007273.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001007273.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001007273.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001007273_256x256.png", "name": "BANK OF South Carolina CORP", "rank": 26, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001007273.svg", "report_text": "The relative strengths and weaknesses of BANK OF South Carolina 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. <br/><br/>The greatest strength of BANK OF South Carolina CORP compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 13% points.The greatest weakness of BANK OF South Carolina CORP is the variable Deposits, reducing the Economic Capital Ratio by 14% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 13%, being 1.3% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001007273_2013_BANK_OF_South_Carolina_CORP.pdf", "shrinked_graph_json": {"2011": {"Other Assets": "-5.52", "Assets": "-0.896", "Other Liabilities": "-18.2", "Stockholders Equity": "-1.19", "ECR before LimitedLiability": "1.08", "Goodwill": "-0.917", "Assets and Securities": "-4.35", "Loans and Leases Receivable": "4.12", "Cash Deposits and Cash Equivalents": "6.49", "Property, Plant and Equipment": "-0.671", "Expenses": "0.616", "Net Income": "0.886", "Other Revenues": "-0.653", "Revenues": "-0.653", "Liabilities and Borrowings": "13.3", "Deposits": "-13.3", "Long-term Debt": "1.10", "Other Net Income": "0.921", "Comprehensive Net Income": "2.60", "Other Compr. Net Income": "1.74", "Economic Capital Ratio": "0.829"}, "2012": {"Deposits": "-13.9", "Liabilities": "0.476", "Stockholders Equity": "0.208", "ECR before LimitedLiability": "1.47", "Other Liabilities": "-13.5", "Liabilities and Borrowings": "12.8", "Long-term Debt": "0.910", "Loans and Leases Receivable": "4.74", "Assets": "-0.213", "Cash Deposits and Cash Equivalents": "2.63", "Property, Plant and Equipment": "-0.641", "Other Assets": "-2.68", "Assets and Securities": "-3.55", "Goodwill": "-0.680", "Other Revenues": "-0.229", "Revenues": "-0.229", "Net Income": "1.15", "Other Net Income": "1.56", "Comprehensive Net Income": "1.23", "Other Expenses": "-0.413", "Economic Capital Ratio": "1.27"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001007273_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "52,063", "Deposits": "301,128", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "210,602", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "68,751", "Other Compr. Net Income": "1,763", "Other Expenses": "1,348", "Other Liabilities": "907", "Other Net Income": "4,537", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "2,612"}, "output_variables": {"Liabilities": "302,035", "Assets": "334,029", "Expenses": "1,348", "Revenues": "0", "Stockholders Equity": "31,994", "Net Income": "3,189", "Comprehensive Net Income": "4,953", "BaseVar": "331,914", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2012": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "31,042", "Deposits": "291,074", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "213,696", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "78,186", "Other Compr. Net Income": "186", "Other Expenses": "1,604", "Other Liabilities": "406", "Other Net Income": "5,271", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "2,487"}, "output_variables": {"Liabilities": "291,480", "Assets": "325,411", "Expenses": "1,604", "Revenues": "0", "Stockholders Equity": "33,930", "Net Income": "3,667", "Comprehensive Net Income": "3,853", "BaseVar": "321,262", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": -3.0, "value": 0.13016525967359924, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001007273.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001007273.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001007273.svg"}, {"company_id": "0000714712", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000714712.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000714712.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000714712.jpeg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000714712_256x256.png", "name": "Juniata Valley Financial CORP", "rank": 27, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000714712.svg", "report_text": "The relative strengths and weaknesses of Juniata Valley 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. <br/><br/>The greatest strength of Juniata Valley Financial CORP compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Juniata Valley Financial CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 16% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 13%, being 1.2% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000714712_2013_Juniata_Valley_Financial_CORP.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.09", "Liabilities": "-0.289", "ECR before LimitedLiability": "0.767", "Other Liabilities": "-20.3", "Liabilities and Borrowings": "13.0", "Deposits": "-10.9", "Other Assets": "1.99", "Assets": "0.429", "Comprehensive Net Income": "1.04", "Goodwill": "-0.573", "Assets and Securities": "-4.14", "Loans and Leases Receivable": "5.52", "Cash Deposits and Cash Equivalents": "-2.26", "Expenses": "0.805", "Net Income": "1.28", "Other Expenses": "0.710", "Other Revenues": "-0.646", "Revenues": "-0.646", "Other Net Income": "1.12", "Other Compr. Net Income": "-0.248", "Economic Capital Ratio": "0.513"}, "2012": {"Deposits": "-12.0", "Liabilities": "-0.217", "Stockholders Equity": "0.977", "ECR before LimitedLiability": "1.45", "Other Liabilities": "-15.9", "Liabilities and Borrowings": "12.7", "Long-term Debt": "0.898", "Loans and Leases Receivable": "2.23", "Assets": "1.08", "Cash Deposits and Cash Equivalents": "-1.95", "Other Assets": "4.65", "Assets and Securities": "-3.37", "Goodwill": "-0.335", "Expenses": "0.835", "Revenues": "-0.226", "Comprehensive Net Income": "0.595", "Other Expenses": "0.607", "Other Revenues": "-0.226", "Other Net Income": "-0.591", "Other Compr. Net Income": "0.573", "Economic Capital Ratio": "1.24"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000714712_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "1,096", "Cash Deposits and Cash Equivalents": "14,174", "Deposits": "386,665", "Fees": "0", "Goodwill": "2,046", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "286,750", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "136,657", "Other Compr. Net Income": "0", "Other Expenses": "1,542", "Other Liabilities": "11,048", "Other Net Income": "6,222", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "6,710"}, "output_variables": {"Liabilities": "397,713", "Assets": "447,433", "Expenses": "1,542", "Revenues": "0", "Stockholders Equity": "49,720", "Net Income": "4,680", "Comprehensive Net Income": "4,680", "BaseVar": "436,665", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2012": {"input_variables": {"Assets and Securities": "847", "Cash Deposits and Cash Equivalents": "14,397", "Deposits": "386,751", "Fees": "0", "Goodwill": "2,046", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "274,219", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "150,888", "Other Compr. Net Income": "837", "Other Expenses": "978", "Other Liabilities": "11,821", "Other Net Income": "4,626", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "6,472"}, "output_variables": {"Liabilities": "398,572", "Assets": "448,869", "Expenses": "978", "Revenues": "0", "Stockholders Equity": "50,297", "Net Income": "3,648", "Comprehensive Net Income": "4,485", "BaseVar": "435,411", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": 2.0, "value": 0.12994078252792465, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000714712.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000714712.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000714712.svg"}, {"company_id": "0000007789", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000007789.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000007789.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000000000.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000000000_256x256.png", "name": "Associated BANC CORP", "rank": 28, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000007789.svg", "report_text": "The relative strengths and weaknesses of Associated BANC 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. <br/><br/>The greatest strength of Associated BANC CORP compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Associated BANC CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 21% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 13%, being 1.2% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000007789_2013_Associated_BANC_CORP.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "-3.78", "Liabilities": "-0.365", "Stockholders Equity": "1.99", "ECR before LimitedLiability": "0.929", "Other Liabilities": "-30.8", "Liabilities and Borrowings": "13.1", "Deposits": "3.60", "Other Assets": "-1.77", "Assets": "2.15", "Goodwill": "2.28", "Assets and Securities": "-0.741", "Loans and Leases Receivable": "5.26", "Cash Deposits and Cash Equivalents": "-2.46", "Property, Plant and Equipment": "-0.456", "Expenses": "1.32", "Revenues": "-0.638", "Comprehensive Net Income": "-0.452", "Other Expenses": "1.23", "Other Revenues": "-0.638", "Other Net Income": "-0.898", "Economic Capital Ratio": "0.675"}, "2012": {"Deposits": "0.846", "Liabilities": "0.463", "Stockholders Equity": "2.06", "ECR before LimitedLiability": "1.41", "Other Liabilities": "-20.7", "Liabilities and Borrowings": "12.1", "Long-term Debt": "-2.97", "Loans and Leases Receivable": "4.82", "Assets": "1.53", "Cash Deposits and Cash Equivalents": "-2.07", "Property, Plant and Equipment": "-0.385", "Other Assets": "-2.60", "Assets and Securities": "-0.550", "Goodwill": "2.28", "Expenses": "0.436", "Comprehensive Net Income": "-0.568", "Other Revenues": "-0.226", "Revenues": "-0.226", "Other Net Income": "-0.365", "Other Compr. Net Income": "-0.414", "Economic Capital Ratio": "1.20"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000007789_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "1,063,433", "Cash Deposits and Cash Equivalents": "609,520", "Deposits": "15,090,655", "Fees": "0", "Goodwill": "929,168", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "276,212", "Loans and Leases Receivable": "13,652,920", "Long-term Debt": "1,177,071", "Occupancy": "0", "Other Assets": "5,445,440", "Other Compr. Net Income": "0", "Other Expenses": "43,728", "Other Liabilities": "2,514,485", "Other Net Income": "183,427", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "223,736"}, "output_variables": {"Liabilities": "19,058,423", "Assets": "21,924,217", "Expenses": "43,728", "Revenues": "0", "Stockholders Equity": "2,865,794", "Net Income": "139,699", "Comprehensive Net Income": "139,699", "BaseVar": "20,903,606", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2012": {"input_variables": {"Assets and Securities": "953,552", "Cash Deposits and Cash Equivalents": "710,738", "Deposits": "16,939,865", "Fees": "0", "Goodwill": "929,168", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "943,298", "Loans and Leases Receivable": "15,113,613", "Long-term Debt": "1,015,346", "Occupancy": "0", "Other Assets": "5,526,706", "Other Compr. Net Income": "-16,999", "Other Expenses": "75,486", "Other Liabilities": "1,652,827", "Other Net Income": "254,459", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "253,958"}, "output_variables": {"Liabilities": "20,551,336", "Assets": "23,487,735", "Expenses": "75,486", "Revenues": "0", "Stockholders Equity": "2,936,399", "Net Income": "178,973", "Comprehensive Net Income": "161,974", "BaseVar": "22,649,239", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": -1.0, "value": 0.12950543352817218, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000007789.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000007789.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000007789.svg"}, {"company_id": "0000803164", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000803164.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000803164.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000803164.jpg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000803164_256x256.png", "name": "Choiceone Financial Services INC", "rank": 29, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000803164.svg", "report_text": "The relative strengths and weaknesses of Choiceone 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. <br/><br/>The greatest strength of Choiceone Financial Services INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Choiceone Financial Services INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 40% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 13%, being 1.2% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000803164_2013_Choiceone_Financial_Services_INC.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.06", "Liabilities": "-0.884", "Stockholders Equity": "0.774", "Economic Capital Ratio": "-0.279", "Other Liabilities": "12.3", "Liabilities and Borrowings": "-39.7", "Deposits": "-6.95", "Other Assets": "-0.453", "Assets": "1.46", "Goodwill": "1.15", "Assets and Securities": "-3.59", "Loans and Leases Receivable": "5.51", "Cash Deposits and Cash Equivalents": "-2.00", "Property, Plant and Equipment": "0.585", "Expenses": "1.26", "Revenues": "-0.635", "Comprehensive Net Income": "-0.201", "Other Expenses": "1.17", "Other Revenues": "-0.635", "Other Net Income": "-0.597", "Other Compr. Net Income": "-0.243"}, "2012": {"Loans and Leases Receivable": "1.66", "Assets": "1.43", "Expenses": "0.656", "Revenues": "-0.226", "Stockholders Equity": "1.56", "Deposits": "-9.53", "ECR before LimitedLiability": "1.39", "Cash Deposits and Cash Equivalents": "-1.55", "Property, Plant and Equipment": "0.581", "Other Assets": "2.32", "Assets and Securities": "-2.86", "Goodwill": "1.34", "Labor Expense": "0.154", "Other Expenses": "0.427", "Other Revenues": "-0.226", "Other Liabilities": "12.9", "Liabilities and Borrowings": "-40.2", "Long-term Debt": "0.896", "Other Net Income": "-0.301", "Economic Capital Ratio": "1.18", "Other Compr. Net Income": "-0.180"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000803164_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "4,840", "Cash Deposits and Cash Equivalents": "17,125", "Deposits": "403,365", "Fees": "0", "Goodwill": "13,728", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "329,431", "Loans and Leases Receivable": "314,914", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "133,227", "Other Compr. Net Income": "0", "Other Expenses": "1,060", "Other Liabilities": "-294,786", "Other Net Income": "4,573", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "12,080"}, "output_variables": {"Liabilities": "438,010", "Assets": "495,914", "Expenses": "1,060", "Revenues": "0", "Stockholders Equity": "57,904", "Net Income": "3,513", "Comprehensive Net Income": "3,513", "BaseVar": "477,186", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2012": {"input_variables": {"Assets and Securities": "4,585", "Cash Deposits and Cash Equivalents": "19,034", "Deposits": "424,199", "Fees": "0", "Goodwill": "13,728", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "326,554", "Loans and Leases Receivable": "305,616", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "153,829", "Other Compr. Net Income": "-59", "Other Expenses": "1,343", "Other Liabilities": "-302,346", "Other Net Income": "5,605", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "12,121"}, "output_variables": {"Liabilities": "448,407", "Assets": "508,913", "Expenses": "1,343", "Revenues": "0", "Stockholders Equity": "60,506", "Net Income": "4,262", "Comprehensive Net Income": "4,203", "BaseVar": "491,378", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": 4.0, "value": 0.12932998957341443, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000803164.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000803164.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000803164.svg"}, {"company_id": "0000719220", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000719220.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000719220.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000719220.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000719220_256x256.png", "name": "S T Bancorp INC", "rank": 30, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000719220.svg", "report_text": "The relative strengths and weaknesses of S T 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. <br/><br/>The greatest strength of S T Bancorp INC compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 12% points.The greatest weakness of S T Bancorp INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 18% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 13%, being 0.94% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000719220_2013_S_T_Bancorp_INC.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "0.425", "Liabilities": "0.271", "Stockholders Equity": "0.866", "ECR before LimitedLiability": "1.86", "Other Liabilities": "-23.1", "Liabilities and Borrowings": "13.9", "Deposits": "-5.82", "Other Assets": "-11.7", "Assets": "0.563", "Goodwill": "2.08", "Assets and Securities": "-2.16", "Loans and Leases Receivable": "12.0", "Property, Plant and Equipment": "-0.554", "Expenses": "0.770", "Revenues": "-0.650", "Net Income": "1.69", "Other Expenses": "0.675", "Other Revenues": "-0.650", "Other Net Income": "1.57", "Comprehensive Net Income": "1.44", "Economic Capital Ratio": "1.60"}, "2012": {"Deposits": "-6.99", "Liabilities": "-0.404", "Stockholders Equity": "1.59", "ECR before LimitedLiability": "1.15", "Other Liabilities": "-18.4", "Liabilities and Borrowings": "12.3", "Long-term Debt": "0.236", "Loans and Leases Receivable": "10.3", "Assets": "1.81", "Cash Deposits and Cash Equivalents": "1.23", "Property, Plant and Equipment": "-0.546", "Other Assets": "-10.2", "Assets and Securities": "-1.56", "Goodwill": "2.21", "Expenses": "1.04", "Revenues": "-0.224", "Comprehensive Net Income": "-0.256", "Other Expenses": "0.811", "Other Revenues": "-0.224", "Other Net Income": "-0.987", "Economic Capital Ratio": "0.944"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000719220_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "124,377", "Cash Deposits and Cash Equivalents": "270,526", "Deposits": "3,335,859", "Fees": "0", "Goodwill": "165,273", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "65,746", "Loans and Leases Receivable": "3,080,918", "Long-term Debt": "31,874", "Occupancy": "0", "Other Assets": "441,145", "Other Compr. Net Income": "0", "Other Expenses": "14,622", "Other Liabilities": "195,989", "Other Net Income": "61,886", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "37,755"}, "output_variables": {"Liabilities": "3,629,468", "Assets": "4,119,994", "Expenses": "14,622", "Revenues": "0", "Stockholders Equity": "490,526", "Net Income": "47,264", "Comprehensive Net Income": "47,264", "BaseVar": "4,013,593", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2012": {"input_variables": {"Assets and Securities": "120,395", "Cash Deposits and Cash Equivalents": "337,711", "Deposits": "3,638,428", "Fees": "0", "Goodwill": "175,733", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "88,550", "Loans and Leases Receivable": "3,300,138", "Long-term Debt": "34,101", "Occupancy": "0", "Other Assets": "554,049", "Other Compr. Net Income": "526", "Other Expenses": "7,261", "Other Liabilities": "228,201", "Other Net Income": "41,461", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "38,676"}, "output_variables": {"Liabilities": "3,989,280", "Assets": "4,526,702", "Expenses": "7,261", "Revenues": "0", "Stockholders Equity": "537,422", "Net Income": "34,200", "Comprehensive Net Income": "34,726", "BaseVar": "4,347,376", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": -16.0, "value": 0.12693842075986303, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000719220.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000719220.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000719220.svg"}, {"company_id": "0001412665", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001412665.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001412665.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001412665.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001412665_256x256.png", "name": "Midwestone Financial Group Inc", "rank": 31, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001412665.svg", "report_text": "The relative strengths and weaknesses of Midwestone 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. <br/><br/>The greatest strength of Midwestone Financial Group Inc compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Midwestone Financial Group Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 26% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 12%, being 0.68% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001412665_2013_Midwestone_Financial_Group_Inc.pdf", "shrinked_graph_json": {"2012": {"Deposits": "-3.09", "Liabilities": "-0.409", "Stockholders Equity": "-0.347", "ECR before LimitedLiability": "0.890", "Other Liabilities": "-25.9", "Liabilities and Borrowings": "12.2", "Long-term Debt": "0.895", "Expenses": "0.549", "Net Income": "0.435", "Labor Expense": "0.154", "Other Expenses": "0.320", "Other Revenues": "-0.227", "Revenues": "-0.227", "Loans and Leases Receivable": "-1.51", "Cash Deposits and Cash Equivalents": "-2.41", "Other Assets": "6.87", "Assets and Securities": "-2.73", "Goodwill": "-0.675", "Comprehensive Net Income": "1.27", "Other Compr. Net Income": "0.845", "Economic Capital Ratio": "0.684"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001412665_strength_weakness.svg", "table_records": {"2012": {"input_variables": {"Assets and Securities": "20,382", "Cash Deposits and Cash Equivalents": "47,191", "Deposits": "1,399,733", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "9,717", "Loans and Leases Receivable": "1,019,327", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "680,310", "Other Compr. Net Income": "4,696", "Other Expenses": "5,342", "Other Liabilities": "209,437", "Other Net Income": "22,093", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "25,609"}, "output_variables": {"Liabilities": "1,618,887", "Assets": "1,792,819", "Expenses": "5,342", "Revenues": "0", "Stockholders Equity": "173,932", "Net Income": "16,751", "Comprehensive Net Income": "21,447", "BaseVar": "1,764,171", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": null, "value": 0.1243318530139765, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001412665.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001412665.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001412665.svg"}, {"company_id": "0001315399", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001315399.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001315399.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001315399.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001315399_256x256.png", "name": "Parke Bancorp INC", "rank": 32, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001315399.svg", "report_text": "The relative strengths and weaknesses of Parke 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. <br/><br/>The greatest strength of Parke Bancorp INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Parke Bancorp INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 64% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 12%, being 0.68% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001315399_2013_Parke_Bancorp_INC.pdf", "shrinked_graph_json": {"2011": {"Other Assets": "-16.1", "Assets": "-1.02", "Other Liabilities": "11.9", "Stockholders Equity": "-1.04", "ECR before LimitedLiability": "-0.426", "Goodwill": "-0.920", "Assets and Securities": "-0.873", "Loans and Leases Receivable": "10.5", "Cash Deposits and Cash Equivalents": "5.17", "Property, Plant and Equipment": "-0.864", "Expenses": "-0.491", "Revenues": "-0.648", "Net Income": "1.17", "Other Expenses": "-0.587", "Other Revenues": "-0.648", "Liabilities and Borrowings": "-54.4", "Deposits": "-3.53", "Long-term Debt": "1.08", "Other Net Income": "2.26", "Comprehensive Net Income": "0.927", "Economic Capital Ratio": "-0.680"}, "2012": {"Deposits": "-7.24", "Liabilities": "0.796", "Loans and Leases Receivable": "11.2", "Stockholders Equity": "0.543", "ECR before LimitedLiability": "0.887", "Other Liabilities": "12.4", "Liabilities and Borrowings": "-63.9", "Long-term Debt": "0.902", "Expenses": "-0.398", "Net Income": "0.852", "Other Expenses": "-0.631", "Other Revenues": "-0.229", "Revenues": "-0.229", "Cash Deposits and Cash Equivalents": "2.93", "Property, Plant and Equipment": "-0.823", "Other Assets": "-14.9", "Goodwill": "-0.681", "Comprehensive Net Income": "0.289", "Other Net Income": "1.47", "Other Compr. Net Income": "-0.568", "Economic Capital Ratio": "0.680"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001315399_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "38,814", "Cash Deposits and Cash Equivalents": "110,228", "Deposits": "634,855", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "617,691", "Loans and Leases Receivable": "605,794", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "31,780", "Other Compr. Net Income": "0", "Other Expenses": "5,524", "Other Liabilities": "-539,081", "Other Net Income": "13,728", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "4,122"}, "output_variables": {"Liabilities": "713,465", "Assets": "790,738", "Expenses": "5,524", "Revenues": "0", "Stockholders Equity": "77,273", "Net Income": "8,204", "Comprehensive Net Income": "8,204", "BaseVar": "787,044", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2012": {"input_variables": {"Assets and Securities": "36,601", "Cash Deposits and Cash Equivalents": "76,866", "Deposits": "637,207", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "622,204", "Loans and Leases Receivable": "610,776", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "42,245", "Other Compr. Net Income": "-875", "Other Expenses": "4,242", "Other Liabilities": "-572,477", "Other Net Income": "12,311", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "3,989"}, "output_variables": {"Liabilities": "686,934", "Assets": "770,477", "Expenses": "4,242", "Revenues": "0", "Stockholders Equity": "83,543", "Net Income": "8,069", "Comprehensive Net Income": "7,194", "BaseVar": "760,337", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": 4.0, "value": 0.12429686933482854, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001315399.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001315399.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001315399.svg"}, {"company_id": "0001050441", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001050441.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001050441.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001050441.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001050441_256x256.png", "name": "Eagle Bancorp INC", "rank": 33, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001050441.svg", "report_text": "The relative strengths and weaknesses of Eagle 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. <br/><br/>The greatest strength of Eagle Bancorp INC compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Eagle Bancorp INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 201% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 12%, being 0.63% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001050441_2013_Eagle_Bancorp_INC.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "-0.397", "Liabilities": "-0.918", "Stockholders Equity": "-1.23", "ECR before LimitedLiability": "-1.35", "Other Liabilities": "-18.3", "Liabilities and Borrowings": "10.9", "Deposits": "-8.01", "Other Assets": "-6.01", "Assets": "-0.342", "Goodwill": "-0.904", "Assets and Securities": "-3.77", "Loans and Leases Receivable": "8.78", "Cash Deposits and Cash Equivalents": "0.800", "Property, Plant and Equipment": "-0.908", "Expenses": "0.283", "Net Income": "0.556", "Other Revenues": "-0.631", "Revenues": "-0.631", "Other Net Income": "0.892", "Comprehensive Net Income": "0.318", "Economic Capital Ratio": "-1.61"}, "2012": {"Deposits": "12.4", "Liabilities": "0.547", "ECR before LimitedLiability": "0.834", "Other Liabilities": "-201", "Liabilities and Borrowings": "12.2", "Long-term Debt": "0.902", "Loans and Leases Receivable": "8.26", "Assets": "-0.419", "Cash Deposits and Cash Equivalents": "2.73", "Property, Plant and Equipment": "-0.876", "Other Assets": "-7.45", "Assets and Securities": "-3.16", "Goodwill": "-0.681", "Expenses": "-0.626", "Net Income": "0.794", "Other Expenses": "-0.859", "Other Revenues": "-0.229", "Revenues": "-0.229", "Comprehensive Net Income": "0.722", "Other Net Income": "1.63", "Economic Capital Ratio": "0.628"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001050441_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "23,256", "Cash Deposits and Cash Equivalents": "210,626", "Deposits": "2,392,095", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "99,892", "Loans and Leases Receivable": "2,026,603", "Long-term Debt": "49,300", "Occupancy": "0", "Other Assets": "558,450", "Other Compr. Net Income": "0", "Other Expenses": "13,731", "Other Liabilities": "23,257", "Other Net Income": "38,289", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "12,320"}, "output_variables": {"Liabilities": "2,564,544", "Assets": "2,831,255", "Expenses": "13,731", "Revenues": "0", "Stockholders Equity": "266,711", "Net Income": "24,558", "Comprehensive Net Income": "24,558", "BaseVar": "2,792,316", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2012": {"input_variables": {"Assets and Securities": "19,459", "Cash Deposits and Cash Equivalents": "331,482", "Deposits": "0", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "2,455,603", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "587,636", "Other Compr. Net Income": "590", "Other Expenses": "20,883", "Other Liabilities": "3,059,465", "Other Net Income": "56,172", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "15,261"}, "output_variables": {"Liabilities": "3,059,465", "Assets": "3,409,441", "Expenses": "20,883", "Revenues": "0", "Stockholders Equity": "349,976", "Net Income": "35,289", "Comprehensive Net Income": "35,879", "BaseVar": "3,375,379", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": 14.0, "value": 0.12377351894681608, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001050441.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001050441.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001050441.svg"}, {"company_id": "0000721994", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000721994.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000721994.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000721994.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000721994_256x256.png", "name": "Lakeland Financial CORP", "rank": 34, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000721994.svg", "report_text": "The relative strengths and weaknesses of Lakeland 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. <br/><br/>The greatest strength of Lakeland Financial CORP compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Lakeland Financial CORP is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 48% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 12%, being 0.61% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000721994_2013_Lakeland_Financial_CORP.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.06", "Liabilities": "-0.570", "Stockholders Equity": "-1.25", "ECR before LimitedLiability": "-0.606", "Other Liabilities": "11.7", "Liabilities and Borrowings": "-44.3", "Deposits": "-6.82", "Other Assets": "-7.26", "Assets": "-0.657", "Goodwill": "-0.788", "Assets and Securities": "-3.26", "Loans and Leases Receivable": "10.1", "Cash Deposits and Cash Equivalents": "-1.99", "Property, Plant and Equipment": "-0.360", "Other Revenues": "-0.642", "Revenues": "-0.642", "Net Income": "1.26", "Comprehensive Net Income": "1.02", "Other Compr. Net Income": "-0.246", "Other Net Income": "1.68", "Economic Capital Ratio": "-0.860"}, "2012": {"Deposits": "-8.23", "Liabilities": "0.317", "Stockholders Equity": "-0.406", "ECR before LimitedLiability": "0.818", "Other Liabilities": "12.4", "Liabilities and Borrowings": "-47.9", "Long-term Debt": "0.901", "Loans and Leases Receivable": "8.10", "Assets": "-0.643", "Cash Deposits and Cash Equivalents": "1.15", "Property, Plant and Equipment": "-0.373", "Other Assets": "-7.09", "Assets and Securities": "-2.64", "Goodwill": "-0.562", "Expenses": "-0.423", "Revenues": "-0.229", "Net Income": "1.23", "Other Expenses": "-0.656", "Other Revenues": "-0.229", "Comprehensive Net Income": "1.16", "Other Net Income": "1.86", "Economic Capital Ratio": "0.612"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000721994_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "45,075", "Cash Deposits and Cash Equivalents": "104,584", "Deposits": "2,412,696", "Fees": "0", "Goodwill": "4,970", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,058,209", "Loans and Leases Receivable": "2,180,309", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "520,014", "Other Compr. Net Income": "0", "Other Expenses": "14,718", "Other Liabilities": "-1,854,506", "Other Net Income": "45,380", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "34,736"}, "output_variables": {"Liabilities": "2,616,399", "Assets": "2,889,688", "Expenses": "14,718", "Revenues": "0", "Stockholders Equity": "273,289", "Net Income": "30,662", "Comprehensive Net Income": "30,662", "BaseVar": "2,862,121", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2012": {"input_variables": {"Assets and Securities": "39,899", "Cash Deposits and Cash Equivalents": "232,237", "Deposits": "2,581,756", "Fees": "0", "Goodwill": "4,970", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,175,220", "Loans and Leases Receivable": "2,206,075", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "546,123", "Other Compr. Net Income": "550", "Other Expenses": "17,182", "Other Liabilities": "-1,990,660", "Other Net Income": "52,576", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "34,840"}, "output_variables": {"Liabilities": "2,766,316", "Assets": "3,064,144", "Expenses": "17,182", "Revenues": "0", "Stockholders Equity": "297,828", "Net Income": "35,394", "Comprehensive Net Income": "35,944", "BaseVar": "3,042,839", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": 5.0, "value": 0.1236155031115289, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000721994.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000721994.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000721994.svg"}, {"company_id": "0000835324", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000835324.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000835324.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000835324.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000835324_256x256.png", "name": "Stock Yards Bancorp Inc", "rank": 35, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000835324.svg", "report_text": "The relative strengths and weaknesses of Stock Yards 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. <br/><br/>The greatest strength of Stock Yards Bancorp Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Stock Yards Bancorp Inc is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 40% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 12%, being 0.56% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000835324_2013_Stock_Yards_Bancorp_Inc.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.08", "Liabilities": "-0.751", "Stockholders Equity": "-1.51", "Economic Capital Ratio": "-0.376", "Other Liabilities": "12.2", "Liabilities and Borrowings": "-36.8", "Deposits": "-2.43", "Other Assets": "-5.67", "Assets": "-0.749", "Goodwill": "-0.915", "Assets and Securities": "-2.61", "Loans and Leases Receivable": "10.0", "Cash Deposits and Cash Equivalents": "-3.43", "Expenses": "0.620", "Net Income": "1.59", "Other Expenses": "0.526", "Other Revenues": "-0.645", "Revenues": "-0.645", "Other Net Income": "1.61", "Comprehensive Net Income": "1.76", "Other Compr. Net Income": "0.176"}, "2012": {"Loans and Leases Receivable": "8.37", "Assets": "-0.445", "Stockholders Equity": "-0.523", "Deposits": "-7.15", "ECR before LimitedLiability": "0.767", "Cash Deposits and Cash Equivalents": "-2.90", "Other Assets": "-4.42", "Assets and Securities": "-1.85", "Goodwill": "-0.679", "Other Revenues": "-0.228", "Revenues": "-0.228", "Net Income": "1.40", "Other Liabilities": "12.3", "Liabilities and Borrowings": "-40.4", "Long-term Debt": "0.897", "Comprehensive Net Income": "1.26", "Other Net Income": "1.63", "Labor Expense": "0.155", "Other Expenses": "-0.236", "Other Compr. Net Income": "-0.144", "Economic Capital Ratio": "0.560"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000835324_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "50,844", "Cash Deposits and Cash Equivalents": "32,901", "Deposits": "1,617,739", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,346,962", "Loans and Leases Receivable": "1,515,100", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "417,641", "Other Compr. Net Income": "2,323", "Other Expenses": "8,191", "Other Liabilities": "-1,099,290", "Other Net Income": "31,795", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "36,611"}, "output_variables": {"Liabilities": "1,865,411", "Assets": "2,053,097", "Expenses": "8,191", "Revenues": "0", "Stockholders Equity": "187,686", "Net Income": "23,604", "Comprehensive Net Income": "25,927", "BaseVar": "2,036,045", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2012": {"input_variables": {"Assets and Securities": "51,407", "Cash Deposits and Cash Equivalents": "42,610", "Deposits": "1,781,693", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,408,483", "Loans and Leases Receivable": "1,552,713", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "465,000", "Other Compr. Net Income": "-41", "Other Expenses": "9,634", "Other Liabilities": "-1,246,989", "Other Net Income": "35,435", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "36,532"}, "output_variables": {"Liabilities": "1,943,187", "Assets": "2,148,262", "Expenses": "9,634", "Revenues": "0", "Stockholders Equity": "205,075", "Net Income": "25,801", "Comprehensive Net Income": "25,760", "BaseVar": "2,127,599", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": -1.0, "value": 0.12309972875424002, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000835324.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000835324.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000835324.svg"}, {"company_id": "0001431567", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001431567.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001431567.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001431567.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001431567_256x256.png", "name": "Oak Valley Bancorp", "rank": 36, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001431567.svg", "report_text": "The relative strengths and weaknesses of Oak Valley 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. <br/><br/>The greatest strength of Oak Valley Bancorp compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Oak Valley Bancorp is the variable Deposits, reducing the Economic Capital Ratio by 14% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 12%, being 0.56% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001431567_2013_Oak_Valley_Bancorp.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.09", "Liabilities": "0.273", "Stockholders Equity": "0.491", "ECR before LimitedLiability": "0.769", "Other Liabilities": "-18.3", "Liabilities and Borrowings": "13.0", "Deposits": "-11.9", "Other Assets": "-9.25", "Assets": "0.220", "Goodwill": "-0.914", "Assets and Securities": "-1.92", "Loans and Leases Receivable": "4.84", "Cash Deposits and Cash Equivalents": "7.07", "Property, Plant and Equipment": "0.393", "Other Revenues": "-0.649", "Revenues": "-0.649", "Net Income": "0.944", "Comprehensive Net Income": "0.697", "Other Compr. Net Income": "-0.249", "Other Net Income": "1.44", "Economic Capital Ratio": "0.515"}, "2012": {"Loans and Leases Receivable": "-0.585", "Assets": "0.336", "Stockholders Equity": "0.398", "Deposits": "-13.9", "ECR before LimitedLiability": "0.765", "Cash Deposits and Cash Equivalents": "10.1", "Property, Plant and Equipment": "0.274", "Other Assets": "-8.28", "Assets and Securities": "-1.38", "Goodwill": "-0.675", "Other Revenues": "-0.226", "Revenues": "-0.226", "Net Income": "0.226", "Other Net Income": "0.390", "Other Liabilities": "-13.2", "Liabilities and Borrowings": "12.1", "Long-term Debt": "0.893", "Comprehensive Net Income": "0.407", "Other Expenses": "-0.168", "Other Compr. Net Income": "0.181", "Economic Capital Ratio": "0.559"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001431567_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "20,690", "Cash Deposits and Cash Equivalents": "101,085", "Deposits": "536,204", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,566", "Loans and Leases Receivable": "386,958", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "89,939", "Other Compr. Net Income": "0", "Other Expenses": "3,176", "Other Liabilities": "3,000", "Other Net Income": "9,037", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "13,499"}, "output_variables": {"Liabilities": "541,770", "Assets": "612,172", "Expenses": "3,176", "Revenues": "0", "Stockholders Equity": "70,402", "Net Income": "5,861", "Comprehensive Net Income": "5,861", "BaseVar": "599,138", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2012": {"input_variables": {"Assets and Securities": "19,786", "Cash Deposits and Cash Equivalents": "141,335", "Deposits": "586,993", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,619", "Loans and Leases Receivable": "382,411", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "103,866", "Other Compr. Net Income": "555", "Other Expenses": "2,814", "Other Liabilities": "0", "Other Net Income": "8,595", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "13,182"}, "output_variables": {"Liabilities": "590,612", "Assets": "660,581", "Expenses": "2,814", "Revenues": "0", "Stockholders Equity": "69,969", "Net Income": "5,781", "Comprehensive Net Income": "6,336", "BaseVar": "647,311", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": -8.0, "value": 0.12308347167594413, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001431567.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001431567.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001431567.svg"}, {"company_id": "0000706863", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000706863.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000706863.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000706863.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000706863_256x256.png", "name": "Union Bankshares INC", "rank": 37, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000706863.svg", "report_text": "The relative strengths and weaknesses of Union 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. <br/><br/>The greatest strength of Union Bankshares INC compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Union Bankshares INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 17% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 12%, being 0.53% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000706863_2013_Union_Bankshares_INC.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "0.954", "Liabilities": "-2.51", "Stockholders Equity": "-2.83", "ECR before LimitedLiability": "-2.79", "Other Liabilities": "-24.6", "Liabilities and Borrowings": "9.52", "Deposits": "-8.72", "Other Assets": "-8.60", "Assets": "-0.450", "Goodwill": "-0.587", "Assets and Securities": "-3.08", "Loans and Leases Receivable": "8.90", "Cash Deposits and Cash Equivalents": "-1.35", "Expenses": "1.20", "Net Income": "0.771", "Other Expenses": "1.12", "Other Revenues": "-0.599", "Revenues": "-0.599", "Comprehensive Net Income": "0.553", "Other Compr. Net Income": "-0.228", "Economic Capital Ratio": "-3.05"}, "2012": {"Deposits": "-11.6", "Liabilities": "-0.759", "Stockholders Equity": "-1.99", "ECR before LimitedLiability": "0.737", "Other Liabilities": "-17.2", "Liabilities and Borrowings": "12.1", "Long-term Debt": "0.898", "Loans and Leases Receivable": "10.1", "Assets": "-1.17", "Cash Deposits and Cash Equivalents": "1.45", "Other Assets": "-10.9", "Assets and Securities": "-2.40", "Goodwill": "-0.400", "Expenses": "0.606", "Net Income": "1.30", "Other Expenses": "0.376", "Other Revenues": "-0.228", "Revenues": "-0.228", "Comprehensive Net Income": "2.61", "Other Compr. Net Income": "1.35", "Other Net Income": "0.928", "Economic Capital Ratio": "0.531"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000706863_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "9,285", "Cash Deposits and Cash Equivalents": "24,381", "Deposits": "473,439", "Fees": "0", "Goodwill": "2,223", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "420,270", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "87,429", "Other Compr. Net Income": "0", "Other Expenses": "1,119", "Other Liabilities": "38,973", "Other Net Income": "6,338", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "9,163"}, "output_variables": {"Liabilities": "512,412", "Assets": "552,751", "Expenses": "1,119", "Revenues": "0", "Stockholders Equity": "40,339", "Net Income": "5,219", "Comprehensive Net Income": "5,219", "BaseVar": "546,116", "ECR before LimitedLiability": "9.4%", "Economic Capital Ratio": "9.5%"}}, "2012": {"input_variables": {"Assets and Securities": "9,492", "Cash Deposits and Cash Equivalents": "46,510", "Deposits": "509,993", "Fees": "0", "Goodwill": "2,223", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "439,627", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "69,115", "Other Compr. Net Income": "2,336", "Other Expenses": "1,663", "Other Liabilities": "22,217", "Other Net Income": "8,507", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "10,289"}, "output_variables": {"Liabilities": "532,210", "Assets": "577,256", "Expenses": "1,663", "Revenues": "0", "Stockholders Equity": "45,046", "Net Income": "6,844", "Comprehensive Net Income": "9,180", "BaseVar": "577,431", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": 28.0, "value": 0.12280328677921541, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000706863.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000706863.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000706863.svg"}, {"company_id": "0000715072", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000715072.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000715072.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000715072.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000715072_256x256.png", "name": "Renasant CORP", "rank": 38, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000715072.svg", "report_text": "The relative strengths and weaknesses of Renasant 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. <br/><br/>The greatest strength of Renasant CORP compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Renasant CORP is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 49% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 12%, being 0.46% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000715072_2013_Renasant_CORP.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "-4.08", "Liabilities": "-1.06", "Stockholders Equity": "0.715", "ECR before LimitedLiability": "-0.468", "Other Liabilities": "11.9", "Liabilities and Borrowings": "-44.1", "Deposits": "-6.89", "Other Assets": "11.9", "Assets": "1.55", "Goodwill": "2.33", "Assets and Securities": "-1.47", "Loans and Leases Receivable": "-32.3", "Cash Deposits and Cash Equivalents": "-0.878", "Expenses": "1.24", "Revenues": "-0.631", "Net Income": "-0.326", "Other Expenses": "1.15", "Other Revenues": "-0.631", "Other Net Income": "-0.958", "Comprehensive Net Income": "-0.569", "Economic Capital Ratio": "-0.722"}, "2012": {"Deposits": "-9.52", "Liabilities": "-0.544", "Stockholders Equity": "1.63", "ECR before LimitedLiability": "0.669", "Other Liabilities": "12.2", "Liabilities and Borrowings": "-49.4", "Long-term Debt": "-2.49", "Loans and Leases Receivable": "6.03", "Assets": "1.98", "Cash Deposits and Cash Equivalents": "-1.94", "Other Assets": "-4.76", "Assets and Securities": "-0.354", "Goodwill": "2.60", "Expenses": "1.01", "Revenues": "-0.223", "Net Income": "-0.607", "Other Expenses": "0.791", "Other Revenues": "-0.223", "Comprehensive Net Income": "-0.774", "Other Net Income": "-1.41", "Economic Capital Ratio": "0.463"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000715072_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "163,871", "Cash Deposits and Cash Equivalents": "209,017", "Deposits": "3,412,237", "Fees": "0", "Goodwill": "184,879", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,928,187", "Loans and Leases Receivable": "0", "Long-term Debt": "243,224", "Occupancy": "0", "Other Assets": "3,589,743", "Other Compr. Net Income": "0", "Other Expenses": "9,043", "Other Liabilities": "-2,868,842", "Other Net Income": "34,675", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "54,498"}, "output_variables": {"Liabilities": "3,714,806", "Assets": "4,202,008", "Expenses": "9,043", "Revenues": "0", "Stockholders Equity": "487,202", "Net Income": "25,632", "Comprehensive Net Income": "25,632", "BaseVar": "4,037,755", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2012": {"input_variables": {"Assets and Securities": "179,287", "Cash Deposits and Cash Equivalents": "132,420", "Deposits": "3,461,221", "Fees": "0", "Goodwill": "184,859", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,947,488", "Loans and Leases Receivable": "2,765,906", "Long-term Debt": "159,452", "Occupancy": "0", "Other Assets": "849,392", "Other Compr. Net Income": "-354", "Other Expenses": "6,828", "Other Liabilities": "-2,887,753", "Other Net Income": "33,465", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "66,752"}, "output_variables": {"Liabilities": "3,680,408", "Assets": "4,178,616", "Expenses": "6,828", "Revenues": "0", "Stockholders Equity": "498,208", "Net Income": "26,637", "Comprehensive Net Income": "26,283", "BaseVar": "4,003,286", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": -1.0, "value": 0.12212215135462075, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000715072.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000715072.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000715072.svg"}, {"company_id": "0001166928", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001166928.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001166928.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001166928.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001166928_256x256.png", "name": "WEST Bancorporation INC", "rank": 39, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001166928.svg", "report_text": "The relative strengths and weaknesses of WEST Bancorporation 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. <br/><br/>The greatest strength of WEST Bancorporation INC compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 12% points.The greatest weakness of WEST Bancorporation INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 22% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 12%, being 0.32% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001166928_2013_WEST_Bancorporation_INC.pdf", "shrinked_graph_json": {"2012": {"Loans and Leases Receivable": "2.57", "Assets": "-0.575", "Stockholders Equity": "-0.737", "Deposits": "-2.76", "ECR before LimitedLiability": "0.529", "Cash Deposits and Cash Equivalents": "4.13", "Property, Plant and Equipment": "-0.917", "Other Assets": "-2.56", "Assets and Securities": "-3.21", "Goodwill": "-0.678", "Other Revenues": "-0.227", "Revenues": "-0.227", "Net Income": "1.04", "Other Net Income": "1.33", "Other Liabilities": "-22.3", "Liabilities and Borrowings": "11.6", "Long-term Debt": "0.893", "Comprehensive Net Income": "1.23", "Other Expenses": "-0.302", "Other Compr. Net Income": "0.192", "Economic Capital Ratio": "0.323"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001166928_strength_weakness.svg", "table_records": {"2012": {"input_variables": {"Assets and Securities": "7,077", "Cash Deposits and Cash Equivalents": "171,474", "Deposits": "1,134,576", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "55,596", "Loans and Leases Receivable": "911,872", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "352,143", "Other Compr. Net Income": "1,272", "Other Expenses": "6,764", "Other Liabilities": "123,416", "Other Net Income": "22,775", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "5,609"}, "output_variables": {"Liabilities": "1,313,588", "Assets": "1,448,175", "Expenses": "6,764", "Revenues": "0", "Stockholders Equity": "134,587", "Net Income": "16,011", "Comprehensive Net Income": "17,283", "BaseVar": "1,436,803", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": null, "value": 0.12072230225577192, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001166928.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001166928.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001166928.svg"}, {"company_id": "0000883948", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000883948.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000883948.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000883948.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000883948_256x256.png", "name": "Atlantic Union Bankshares Corp", "rank": 40, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000883948.svg", "report_text": "The relative strengths and weaknesses of Atlantic Union Bankshares 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. <br/><br/>The greatest strength of Atlantic Union Bankshares Corp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Atlantic Union Bankshares Corp is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 41% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 12%, being 0.29% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000883948_2013_Atlantic_Union_Bankshares_Corp.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "-2.40", "Liabilities": "-0.979", "ECR before LimitedLiability": "-0.521", "Other Liabilities": "11.8", "Liabilities and Borrowings": "-41.7", "Deposits": "-6.21", "Other Assets": "-5.77", "Assets": "0.820", "Net Income": "0.284", "Goodwill": "0.215", "Assets and Securities": "-2.24", "Loans and Leases Receivable": "9.56", "Cash Deposits and Cash Equivalents": "-2.74", "Property, Plant and Equipment": "0.483", "Expenses": "0.986", "Revenues": "-0.634", "Other Expenses": "0.895", "Other Revenues": "-0.634", "Other Net Income": "-0.0789", "Economic Capital Ratio": "-0.775", "Other Compr. Net Income": "-0.243"}, "2012": {"Deposits": "-5.96", "Liabilities": "-0.277", "Stockholders Equity": "0.473", "ECR before LimitedLiability": "0.492", "Other Liabilities": "12.0", "Liabilities and Borrowings": "-41.1", "Long-term Debt": "-2.02", "Loans and Leases Receivable": "8.51", "Assets": "0.674", "Cash Deposits and Cash Equivalents": "-2.83", "Property, Plant and Equipment": "0.345", "Other Assets": "-5.25", "Assets and Securities": "-1.52", "Goodwill": "0.395", "Expenses": "0.340", "Revenues": "-0.225", "Net Income": "0.200", "Labor Expense": "0.153", "Other Expenses": "0.112", "Other Revenues": "-0.225", "Economic Capital Ratio": "0.285"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000883948_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "112,699", "Cash Deposits and Cash Equivalents": "96,659", "Deposits": "3,175,105", "Fees": "0", "Goodwill": "59,400", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,672,227", "Loans and Leases Receivable": "2,779,113", "Long-term Debt": "155,381", "Occupancy": "0", "Other Assets": "768,627", "Other Compr. Net Income": "0", "Other Expenses": "11,264", "Other Liabilities": "-2,517,265", "Other Net Income": "41,709", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "90,589"}, "output_variables": {"Liabilities": "3,485,448", "Assets": "3,907,087", "Expenses": "11,264", "Revenues": "0", "Stockholders Equity": "421,639", "Net Income": "30,445", "Comprehensive Net Income": "30,445", "BaseVar": "3,792,413", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2012": {"input_variables": {"Assets and Securities": "113,844", "Cash Deposits and Cash Equivalents": "82,902", "Deposits": "3,297,767", "Fees": "0", "Goodwill": "59,400", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,684,706", "Loans and Leases Receivable": "2,931,931", "Long-term Debt": "136,815", "Occupancy": "0", "Other Assets": "822,379", "Other Compr. Net Income": "434", "Other Expenses": "14,333", "Other Liabilities": "-2,459,286", "Other Net Income": "49,744", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "85,409"}, "output_variables": {"Liabilities": "3,660,002", "Assets": "4,095,865", "Expenses": "14,333", "Revenues": "0", "Stockholders Equity": "435,863", "Net Income": "35,411", "Comprehensive Net Income": "35,845", "BaseVar": "3,995,021", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": -2.0, "value": 0.12034681657148365, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000883948.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000883948.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000883948.svg"}, {"company_id": "0000709337", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000709337.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000709337.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000709337.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000709337_256x256.png", "name": "Farmers National BANC CORP OH", "rank": 41, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000709337.svg", "report_text": "The relative strengths and weaknesses of Farmers National BANC CORP OH 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. <br/><br/>The greatest strength of Farmers National BANC CORP OH compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Farmers National BANC CORP OH is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 47% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 12%, being 0.10% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000709337_2013_Farmers_National_BANC_CORP_OH.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "0.180", "Liabilities": "-0.358", "Stockholders Equity": "-0.149", "ECR before LimitedLiability": "1.56", "Other Liabilities": "13.9", "Liabilities and Borrowings": "-44.1", "Deposits": "-3.24", "Other Assets": "7.82", "Assets": "0.162", "Goodwill": "-0.654", "Assets and Securities": "-3.33", "Loans and Leases Receivable": "-2.88", "Cash Deposits and Cash Equivalents": "-1.01", "Expenses": "1.22", "Net Income": "0.585", "Other Expenses": "1.13", "Other Revenues": "-0.649", "Revenues": "-0.649", "Comprehensive Net Income": "2.16", "Other Compr. Net Income": "1.58", "Economic Capital Ratio": "1.31"}, "2012": {"Deposits": "-6.21", "Liabilities": "-0.486", "Stockholders Equity": "0.456", "ECR before LimitedLiability": "0.308", "Other Liabilities": "11.9", "Liabilities and Borrowings": "-47.3", "Long-term Debt": "0.105", "Loans and Leases Receivable": "-5.38", "Assets": "0.835", "Cash Deposits and Cash Equivalents": "-1.89", "Other Assets": "9.62", "Assets and Securities": "-2.56", "Goodwill": "-0.431", "Expenses": "0.640", "Revenues": "-0.224", "Net Income": "0.232", "Labor Expense": "0.152", "Other Expenses": "0.415", "Other Revenues": "-0.224", "Other Net Income": "-0.187", "Economic Capital Ratio": "0.101", "Other Compr. Net Income": "-0.268"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000709337_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "14,840", "Cash Deposits and Cash Equivalents": "52,422", "Deposits": "840,125", "Fees": "0", "Goodwill": "3,709", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "747,958", "Loans and Leases Receivable": "561,986", "Long-term Debt": "11,263", "Occupancy": "0", "Other Assets": "418,453", "Other Compr. Net Income": "5,144", "Other Expenses": "2,540", "Other Liabilities": "-645,920", "Other Net Income": "11,758", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "16,461"}, "output_variables": {"Liabilities": "953,426", "Assets": "1,067,871", "Expenses": "2,540", "Revenues": "0", "Stockholders Equity": "114,445", "Net Income": "9,218", "Comprehensive Net Income": "14,362", "BaseVar": "1,045,936", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2012": {"input_variables": {"Assets and Securities": "15,259", "Cash Deposits and Cash Equivalents": "37,759", "Deposits": "919,009", "Fees": "0", "Goodwill": "3,709", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "796,578", "Loans and Leases Receivable": "578,963", "Long-term Debt": "10,423", "Occupancy": "0", "Other Assets": "485,576", "Other Compr. Net Income": "-404", "Other Expenses": "3,055", "Other Liabilities": "-707,107", "Other Net Income": "12,987", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "18,429"}, "output_variables": {"Liabilities": "1,018,903", "Assets": "1,139,695", "Expenses": "3,055", "Revenues": "0", "Stockholders Equity": "120,792", "Net Income": "9,932", "Comprehensive Net Income": "9,528", "BaseVar": "1,109,148", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": -22.0, "value": 0.11850781456250978, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000709337.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000709337.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000709337.svg"}, {"company_id": "0000743367", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000743367.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000743367.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000743367.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000743367_256x256.png", "name": "BAR Harbor Bankshares", "rank": 42, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000743367.svg", "report_text": "The relative strengths and weaknesses of BAR Harbor Bankshares 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. <br/><br/>The greatest strength of BAR Harbor Bankshares compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 12% points.The greatest weakness of BAR Harbor Bankshares is the variable Other Liabilities, reducing the Economic Capital Ratio by 48% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 12%, being 0.087% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000743367_2013_BAR_Harbor_Bankshares.pdf", "shrinked_graph_json": {"2011": {"Other Assets": "4.74", "Assets": "-0.690", "Other Liabilities": "-53.3", "Stockholders Equity": "-0.728", "ECR before LimitedLiability": "1.72", "Goodwill": "-0.718", "Assets and Securities": "-3.54", "Loans and Leases Receivable": "3.32", "Cash Deposits and Cash Equivalents": "-4.01", "Expenses": "0.695", "Revenues": "-0.655", "Net Income": "0.866", "Other Expenses": "0.599", "Other Revenues": "-0.655", "Liabilities and Borrowings": "13.9", "Deposits": "9.71", "Long-term Debt": "1.11", "Other Net Income": "0.824", "Comprehensive Net Income": "2.79", "Other Compr. Net Income": "1.94", "Economic Capital Ratio": "1.47"}, "2012": {"Deposits": "8.80", "Liabilities": "-0.382", "Stockholders Equity": "-0.236", "ECR before LimitedLiability": "0.294", "Other Liabilities": "-47.7", "Liabilities and Borrowings": "11.7", "Long-term Debt": "0.882", "Loans and Leases Receivable": "2.22", "Assets": "0.109", "Cash Deposits and Cash Equivalents": "-3.47", "Property, Plant and Equipment": "-0.111", "Other Assets": "4.51", "Assets and Securities": "-2.83", "Goodwill": "-0.397", "Expenses": "0.240", "Revenues": "-0.225", "Net Income": "0.518", "Labor Expense": "0.153", "Other Revenues": "-0.225", "Comprehensive Net Income": "0.575", "Other Net Income": "0.502", "Economic Capital Ratio": "0.0873"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000743367_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "13,391", "Cash Deposits and Cash Equivalents": "8,720", "Deposits": "722,890", "Fees": "0", "Goodwill": "3,158", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "6,043", "Loans and Leases Receivable": "720,782", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "405,325", "Other Compr. Net Income": "6,740", "Other Expenses": "4,462", "Other Liabilities": "320,283", "Other Net Income": "15,505", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "16,090"}, "output_variables": {"Liabilities": "1,049,216", "Assets": "1,167,466", "Expenses": "4,462", "Revenues": "0", "Stockholders Equity": "118,250", "Net Income": "11,043", "Comprehensive Net Income": "17,783", "BaseVar": "1,156,814", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2012": {"input_variables": {"Assets and Securities": "12,984", "Cash Deposits and Cash Equivalents": "14,992", "Deposits": "795,012", "Fees": "0", "Goodwill": "4,935", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "8,310", "Loans and Leases Receivable": "806,907", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "443,862", "Other Compr. Net Income": "673", "Other Expenses": "4,944", "Other Liabilities": "371,567", "Other Net Income": "17,410", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "19,255"}, "output_variables": {"Liabilities": "1,174,889", "Assets": "1,302,935", "Expenses": "4,944", "Revenues": "0", "Stockholders Equity": "128,046", "Net Income": "12,466", "Comprehensive Net Income": "13,139", "BaseVar": "1,280,706", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": -26.0, "value": 0.1183686160691349, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000743367.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000743367.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000743367.svg"}, {"company_id": "0000700565", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000700565.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000700565.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000700565.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000700565_256x256.png", "name": "First MID Bancshares INC", "rank": 43, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000700565.svg", "report_text": "The relative strengths and weaknesses of First MID 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. <br/><br/>The greatest strength of First MID Bancshares INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 12% points.The greatest weakness of First MID Bancshares INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 50% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 12%, being 0.058% points above the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000700565_2013_First_MID_Bancshares_INC.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.01", "Liabilities": "-1.21", "Other Assets": "3.86", "Stockholders Equity": "-1.21", "ECR before LimitedLiability": "-1.78", "Other Liabilities": "-31.0", "Liabilities and Borrowings": "10.5", "Deposits": "-2.28", "Expenses": "0.451", "Net Income": "0.165", "Other Expenses": "0.361", "Other Revenues": "-0.623", "Revenues": "-0.623", "Goodwill": "0.338", "Assets and Securities": "-3.63", "Loans and Leases Receivable": "-0.214", "Cash Deposits and Cash Equivalents": "-1.03", "Property, Plant and Equipment": "0.261", "Other Net Income": "0.327", "Economic Capital Ratio": "-2.03", "Other Compr. Net Income": "-0.238"}, "2012": {"Loans and Leases Receivable": "-1.58", "Assets": "-0.226", "Stockholders Equity": "-0.191", "Deposits": "-5.28", "ECR before LimitedLiability": "0.264", "Cash Deposits and Cash Equivalents": "-0.537", "Property, Plant and Equipment": "0.178", "Other Assets": "3.97", "Assets and Securities": "-2.90", "Goodwill": "0.517", "Expenses": "-0.326", "Revenues": "-0.226", "Net Income": "0.251", "Other Expenses": "-0.557", "Other Revenues": "-0.226", "Other Liabilities": "11.8", "Liabilities and Borrowings": "-49.5", "Long-term Debt": "0.886", "Comprehensive Net Income": "0.445", "Other Net Income": "0.797", "Other Compr. Net Income": "0.195", "Economic Capital Ratio": "0.0576"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000700565_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "14,640", "Cash Deposits and Cash Equivalents": "73,102", "Deposits": "1,170,734", "Fees": "0", "Goodwill": "25,753", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "7,745", "Loans and Leases Receivable": "847,908", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "508,836", "Other Compr. Net Income": "0", "Other Expenses": "6,529", "Other Liabilities": "181,510", "Other Net Income": "17,901", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "30,717"}, "output_variables": {"Liabilities": "1,359,989", "Assets": "1,500,956", "Expenses": "6,529", "Revenues": "0", "Stockholders Equity": "140,967", "Net Income": "11,372", "Comprehensive Net Income": "11,372", "BaseVar": "1,474,813", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "11%"}}, "2012": {"input_variables": {"Assets and Securities": "14,511", "Cash Deposits and Cash Equivalents": "82,712", "Deposits": "1,274,065", "Fees": "0", "Goodwill": "25,753", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,136,546", "Loans and Leases Receivable": "899,077", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "526,309", "Other Compr. Net Income": "1,396", "Other Expenses": "8,410", "Other Liabilities": "-989,266", "Other Net Income": "22,435", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "29,670"}, "output_variables": {"Liabilities": "1,421,345", "Assets": "1,578,032", "Expenses": "8,410", "Revenues": "0", "Stockholders Equity": "156,687", "Net Income": "14,025", "Comprehensive Net Income": "15,421", "BaseVar": "1,558,206", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": 10.0, "value": 0.11807169232465682, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000700565.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000700565.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000700565.svg"}, {"company_id": "0000314489", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000314489.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000314489.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000314489.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000314489_256x256.png", "name": "First Busey CORP NV", "rank": 44, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000314489.svg", "report_text": "The relative strengths and weaknesses of First Busey CORP NV 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. <br/><br/>The greatest strength of First Busey CORP NV compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 12% points.The greatest weakness of First Busey CORP NV is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 43% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 12%, being 0.074% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000314489_2013_First_Busey_CORP_NV.pdf", "shrinked_graph_json": {"2011": {"Other Assets": "0.296", "Assets": "0.748", "Other Liabilities": "13.3", "Stockholders Equity": "0.983", "ECR before LimitedLiability": "0.933", "Goodwill": "-0.460", "Assets and Securities": "-3.03", "Loans and Leases Receivable": "1.47", "Cash Deposits and Cash Equivalents": "2.26", "Property, Plant and Equipment": "0.280", "Expenses": "0.437", "Revenues": "-0.647", "Net Income": "0.665", "Other Expenses": "0.342", "Other Revenues": "-0.647", "Liabilities and Borrowings": "-40.8", "Deposits": "-6.21", "Long-term Debt": "0.596", "Other Net Income": "0.872", "Comprehensive Net Income": "0.418", "Economic Capital Ratio": "0.678"}, "2012": {"Deposits": "-8.45", "Liabilities": "-0.491", "Stockholders Equity": "1.07", "Economic Capital Ratio": "-0.0741", "Other Liabilities": "11.7", "Liabilities and Borrowings": "-42.6", "Long-term Debt": "0.708", "Loans and Leases Receivable": "-2.17", "Assets": "1.41", "Cash Deposits and Cash Equivalents": "2.79", "Property, Plant and Equipment": "0.268", "Other Assets": "3.10", "Assets and Securities": "-2.44", "Goodwill": "-0.245", "Expenses": "0.545", "Revenues": "-0.222", "Net Income": "-0.699", "Labor Expense": "0.151", "Other Expenses": "0.321", "Other Revenues": "-0.222", "Comprehensive Net Income": "-0.790", "Other Net Income": "-1.03"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000314489_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "61,810", "Cash Deposits and Cash Equivalents": "315,053", "Deposits": "2,763,454", "Fees": "0", "Goodwill": "20,686", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,287,453", "Loans and Leases Receivable": "1,977,589", "Long-term Debt": "19,417", "Occupancy": "0", "Other Assets": "957,586", "Other Compr. Net Income": "0", "Other Expenses": "14,970", "Other Liabilities": "-2,077,469", "Other Net Income": "44,843", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "69,398"}, "output_variables": {"Liabilities": "2,992,855", "Assets": "3,402,122", "Expenses": "14,970", "Revenues": "0", "Stockholders Equity": "409,267", "Net Income": "29,873", "Comprehensive Net Income": "29,873", "BaseVar": "3,306,049", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2012": {"input_variables": {"Assets and Securities": "53,442", "Cash Deposits and Cash Equivalents": "351,255", "Deposits": "2,980,292", "Fees": "0", "Goodwill": "20,686", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,397,192", "Loans and Leases Receivable": "1,985,095", "Long-term Debt": "7,000", "Occupancy": "0", "Other Assets": "1,136,511", "Other Compr. Net Income": "418", "Other Expenses": "10,497", "Other Liabilities": "-2,175,225", "Other Net Income": "32,854", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "71,067"}, "output_variables": {"Liabilities": "3,209,259", "Assets": "3,618,056", "Expenses": "10,497", "Revenues": "0", "Stockholders Equity": "408,797", "Net Income": "22,357", "Comprehensive Net Income": "22,775", "BaseVar": "3,493,098", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": -18.0, "value": 0.11675488383768391, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000314489.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000314489.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000314489.svg"}, {"company_id": "0000923139", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000923139.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000923139.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000923139.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000923139_256x256.png", "name": "Flushing Financial CORP", "rank": 45, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000923139.svg", "report_text": "The relative strengths and weaknesses of Flushing 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. <br/><br/>The greatest strength of Flushing Financial CORP compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Flushing Financial CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 196% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 12%, being 0.090% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000923139_2013_Flushing_Financial_CORP.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.04", "Liabilities": "-0.664", "Stockholders Equity": "-0.988", "ECR before LimitedLiability": "-1.26", "Other Liabilities": "-215", "Liabilities and Borrowings": "11.0", "Deposits": "11.1", "Other Assets": "-4.41", "Assets": "-0.340", "Goodwill": "-0.633", "Assets and Securities": "-3.56", "Loans and Leases Receivable": "9.54", "Cash Deposits and Cash Equivalents": "-3.63", "Property, Plant and Equipment": "-0.813", "Other Revenues": "-0.634", "Revenues": "-0.634", "Net Income": "0.402", "Comprehensive Net Income": "0.162", "Other Compr. Net Income": "-0.242", "Other Net Income": "0.966", "Economic Capital Ratio": "-1.51"}, "2012": {"Expenses": "-0.172", "Net Income": "-0.180", "Labor Expense": "0.153", "Other Expenses": "-0.401", "Other Revenues": "-0.225", "Revenues": "-0.225", "Other Liabilities": "-196", "Stockholders Equity": "-0.165", "ECR before LimitedLiability": "0.116", "Comprehensive Net Income": "0.298", "Goodwill": "-0.410", "Long-term Debt": "0.881", "Deposits": "11.7", "Loans and Leases Receivable": "8.29", "Cash Deposits and Cash Equivalents": "-3.66", "Property, Plant and Equipment": "-0.824", "Other Assets": "-1.79", "Liabilities and Borrowings": "11.5", "Assets and Securities": "-2.79", "Other Compr. Net Income": "0.476", "Other Net Income": "0.216", "Economic Capital Ratio": "-0.0900"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000923139_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "48,016", "Cash Deposits and Cash Equivalents": "55,721", "Deposits": "0", "Fees": "0", "Goodwill": "16,127", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "39,654", "Loans and Leases Receivable": "3,198,537", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "945,131", "Other Compr. Net Income": "0", "Other Expenses": "23,469", "Other Liabilities": "3,831,384", "Other Net Income": "58,817", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "24,417"}, "output_variables": {"Liabilities": "3,871,038", "Assets": "4,287,949", "Expenses": "23,469", "Revenues": "0", "Stockholders Equity": "416,911", "Net Income": "35,348", "Comprehensive Net Income": "35,348", "BaseVar": "4,228,843", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2012": {"input_variables": {"Assets and Securities": "47,502", "Cash Deposits and Cash Equivalents": "40,425", "Deposits": "0", "Fees": "0", "Goodwill": "16,127", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "45,453", "Loans and Leases Receivable": "3,203,017", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,121,845", "Other Compr. Net Income": "7,324", "Other Expenses": "21,847", "Other Liabilities": "3,963,598", "Other Net Income": "56,178", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "22,500"}, "output_variables": {"Liabilities": "4,009,051", "Assets": "4,451,416", "Expenses": "21,847", "Revenues": "0", "Stockholders Equity": "442,365", "Net Income": "34,331", "Comprehensive Net Income": "41,655", "BaseVar": "4,385,142", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": 1.0, "value": 0.11659545015597751, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000923139.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000923139.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000923139.svg"}, {"company_id": "0000750574", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000750574.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000750574.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000750574.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000750574_256x256.png", "name": "Auburn National Bancorporation INC", "rank": 46, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000750574.svg", "report_text": "The relative strengths and weaknesses of Auburn National Bancorporation 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. <br/><br/>The greatest strength of Auburn National Bancorporation INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Auburn National Bancorporation INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 45% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 11%, being 0.39% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000750574_2013_Auburn_National_Bancorporation_INC.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "-8.62", "Liabilities": "-2.88", "Stockholders Equity": "-1.82", "ECR before LimitedLiability": "-2.71", "Other Liabilities": "9.61", "Liabilities and Borrowings": "-38.4", "Deposits": "-4.59", "Other Assets": "7.71", "Assets": "0.734", "Goodwill": "-0.861", "Assets and Securities": "-2.33", "Loans and Leases Receivable": "-6.57", "Cash Deposits and Cash Equivalents": "0.625", "Property, Plant and Equipment": "-0.319", "Expenses": "1.80", "Other Expenses": "1.72", "Other Revenues": "-0.594", "Revenues": "-0.594", "Other Net Income": "-1.32", "Economic Capital Ratio": "-2.96", "Other Compr. Net Income": "-0.226"}, "2012": {"Deposits": "-8.72", "Liabilities": "-1.19", "Stockholders Equity": "-0.671", "Economic Capital Ratio": "-0.391", "Other Liabilities": "11.4", "Liabilities and Borrowings": "-45.2", "Long-term Debt": "-4.56", "Loans and Leases Receivable": "-5.09", "Assets": "0.394", "Cash Deposits and Cash Equivalents": "1.60", "Other Assets": "6.34", "Assets and Securities": "-2.43", "Goodwill": "-0.667", "Expenses": "0.933", "Net Income": "0.279", "Other Expenses": "0.713", "Other Revenues": "-0.222", "Revenues": "-0.222", "Comprehensive Net Income": "0.606", "Other Compr. Net Income": "0.329", "Other Net Income": "-0.444"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000750574_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "20,644", "Cash Deposits and Cash Equivalents": "55,428", "Deposits": "619,552", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "519,213", "Loans and Leases Receivable": "363,344", "Long-term Debt": "85,313", "Occupancy": "0", "Other Assets": "327,457", "Other Compr. Net Income": "0", "Other Expenses": "57", "Other Liabilities": "-513,276", "Other Net Income": "5,595", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "9,345"}, "output_variables": {"Liabilities": "710,802", "Assets": "776,218", "Expenses": "57", "Revenues": "0", "Stockholders Equity": "65,416", "Net Income": "5,538", "Comprehensive Net Income": "5,538", "BaseVar": "753,768", "ECR before LimitedLiability": "9.5%", "Economic Capital Ratio": "9.6%"}}, "2012": {"input_variables": {"Assets and Securities": "11,529", "Cash Deposits and Cash Equivalents": "61,949", "Deposits": "636,817", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "524,453", "Loans and Leases Receivable": "391,470", "Long-term Debt": "47,217", "Occupancy": "0", "Other Assets": "284,357", "Other Compr. Net Income": "952", "Other Expenses": "1,419", "Other Liabilities": "-518,803", "Other Net Income": "8,182", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "10,528"}, "output_variables": {"Liabilities": "689,684", "Assets": "759,833", "Expenses": "1,419", "Revenues": "0", "Stockholders Equity": "70,149", "Net Income": "6,763", "Comprehensive Net Income": "7,715", "BaseVar": "743,912", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}}, "top_rated": false, "trend": 17.0, "value": 0.11358138815771536, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000750574.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000750574.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000750574.svg"}, {"company_id": "0001042729", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001042729.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001042729.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001042729.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001042729_256x256.png", "name": "Mercantile BANK CORP", "rank": 47, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001042729.svg", "report_text": "The relative strengths and weaknesses of Mercantile BANK 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. <br/><br/>The greatest strength of Mercantile BANK CORP compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Mercantile BANK CORP is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 42% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 11%, being 0.42% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001042729_2013_Mercantile_BANK_CORP.pdf", "shrinked_graph_json": {"2012": {"Loans and Leases Receivable": "7.89", "Assets": "0.252", "Stockholders Equity": "0.156", "Deposits": "-4.82", "ECR before LimitedLiability": "-0.217", "Cash Deposits and Cash Equivalents": "2.58", "Other Assets": "-7.88", "Assets and Securities": "-2.77", "Goodwill": "-0.671", "Expenses": "0.174", "Revenues": "-0.223", "Net Income": "0.241", "Labor Expense": "0.152", "Other Revenues": "-0.223", "Other Liabilities": "11.3", "Liabilities and Borrowings": "-41.9", "Long-term Debt": "0.871", "Comprehensive Net Income": "-0.332", "Other Net Income": "0.289", "Other Compr. Net Income": "-0.575", "Economic Capital Ratio": "-0.424"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001042729_strength_weakness.svg", "table_records": {"2012": {"input_variables": {"Assets and Securities": "15,310", "Cash Deposits and Cash Equivalents": "136,003", "Deposits": "1,135,204", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "946,407", "Loans and Leases Receivable": "1,012,512", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "233,182", "Other Compr. Net Income": "-1,678", "Other Expenses": "5,636", "Other Liabilities": "-805,275", "Other Net Income": "18,171", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "25,919"}, "output_variables": {"Liabilities": "1,276,336", "Assets": "1,422,926", "Expenses": "5,636", "Revenues": "0", "Stockholders Equity": "146,590", "Net Income": "12,535", "Comprehensive Net Income": "10,857", "BaseVar": "1,395,886", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}}, "top_rated": false, "trend": null, "value": 0.11325696149294723, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001042729.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001042729.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001042729.svg"}, {"company_id": "0000706129", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000706129.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000706129.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000706129.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000706129_256x256.png", "name": "Horizon Bancorp INC IN", "rank": 48, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000706129.svg", "report_text": "The relative strengths and weaknesses of Horizon Bancorp INC IN 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. <br/><br/>The greatest strength of Horizon Bancorp INC IN compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Horizon Bancorp INC IN is the variable Loans and Leases Receivable, reducing the Economic Capital Ratio by 34% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 11%, being 0.51% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000706129_2013_Horizon_Bancorp_INC_IN.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "0.956", "Liabilities": "-2.23", "Stockholders Equity": "-2.39", "ECR before LimitedLiability": "-2.77", "Other Liabilities": "7.34", "Liabilities and Borrowings": "-26.5", "Deposits": "6.27", "Other Assets": "9.56", "Assets": "-0.280", "Goodwill": "-0.602", "Assets and Securities": "-3.45", "Loans and Leases Receivable": "-32.9", "Cash Deposits and Cash Equivalents": "-3.54", "Property, Plant and Equipment": "0.380", "Expenses": "0.982", "Revenues": "-0.600", "Net Income": "0.387", "Other Expenses": "0.900", "Other Revenues": "-0.600", "Economic Capital Ratio": "-3.02", "Other Compr. Net Income": "-0.228"}, "2012": {"Deposits": "3.96", "Liabilities": "-0.557", "Stockholders Equity": "-1.29", "ECR before LimitedLiability": "-0.308", "Other Liabilities": "10.8", "Liabilities and Borrowings": "-32.0", "Long-term Debt": "0.872", "Loans and Leases Receivable": "-33.8", "Assets": "-0.706", "Cash Deposits and Cash Equivalents": "-3.13", "Property, Plant and Equipment": "0.458", "Other Assets": "11.2", "Assets and Securities": "-2.54", "Other Revenues": "-0.224", "Revenues": "-0.224", "Net Income": "0.839", "Comprehensive Net Income": "0.952", "Other Net Income": "1.09", "Labor Expense": "0.152", "Other Expenses": "-0.258", "Economic Capital Ratio": "-0.515"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000706129_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "18,051", "Cash Deposits and Cash Equivalents": "20,447", "Deposits": "1,009,865", "Fees": "0", "Goodwill": "5,910", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "893,641", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,468,089", "Other Compr. Net Income": "0", "Other Expenses": "4,186", "Other Liabilities": "-477,809", "Other Net Income": "16,983", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "34,665"}, "output_variables": {"Liabilities": "1,425,697", "Assets": "1,547,162", "Expenses": "4,186", "Revenues": "0", "Stockholders Equity": "121,465", "Net Income": "12,797", "Comprehensive Net Income": "12,797", "BaseVar": "1,524,851", "ECR before LimitedLiability": "9.4%", "Economic Capital Ratio": "9.6%"}}, "2012": {"input_variables": {"Assets and Securities": "26,279", "Cash Deposits and Cash Equivalents": "30,735", "Deposits": "1,294,153", "Fees": "0", "Goodwill": "19,748", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,101,404", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,729,281", "Other Compr. Net Income": "1,259", "Other Expenses": "8,446", "Other Liabilities": "-706,298", "Other Net Income": "27,989", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "42,184"}, "output_variables": {"Liabilities": "1,689,259", "Assets": "1,848,227", "Expenses": "8,446", "Revenues": "0", "Stockholders Equity": "158,968", "Net Income": "19,543", "Comprehensive Net Income": "20,802", "BaseVar": "1,837,158", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}}, "top_rated": false, "trend": 16.0, "value": 0.11234777663284364, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000706129.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000706129.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000706129.svg"}, {"company_id": "0000737468", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000737468.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000737468.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000737468.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000737468_256x256.png", "name": "Washington Trust Bancorp INC", "rank": 49, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000737468.svg", "report_text": "The relative strengths and weaknesses of Washington Trust 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. <br/><br/>The greatest strength of Washington Trust Bancorp INC compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Washington Trust Bancorp INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 29% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 11%, being 0.63% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000737468_2013_Washington_Trust_Bancorp_INC.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.04", "Liabilities": "-1.07", "Other Assets": "-3.46", "Stockholders Equity": "-1.42", "ECR before LimitedLiability": "-1.17", "Other Liabilities": "-39.6", "Liabilities and Borrowings": "11.1", "Deposits": "4.52", "Expenses": "0.516", "Net Income": "0.926", "Other Expenses": "0.424", "Other Revenues": "-0.633", "Revenues": "-0.633", "Goodwill": "0.468", "Assets and Securities": "-2.87", "Loans and Leases Receivable": "7.58", "Cash Deposits and Cash Equivalents": "-2.64", "Property, Plant and Equipment": "-0.609", "Other Net Income": "1.03", "Comprehensive Net Income": "0.690", "Economic Capital Ratio": "-1.43"}, "2012": {"Deposits": "6.21", "Liabilities": "7.45", "Assets": "-9.41", "Stockholders Equity": "-1.49", "Economic Capital Ratio": "-0.629", "Other Liabilities": "-29.3", "Liabilities and Borrowings": "11.1", "Long-term Debt": "0.979", "Loans and Leases Receivable": "4.53", "Cash Deposits and Cash Equivalents": "-3.16", "Other Assets": "-17.4", "Assets and Securities": "6.70", "Expenses": "-10.7", "Revenues": "6.26", "Net Income": "2.56", "Occupancy": "-0.702", "Labor Expense": "-7.20", "Other Expenses": "-0.715", "Other Noninterest Expense": "-1.02", "Other Revenues": "6.26", "Other Net Income": "4.84", "Other Compr. Net Income": "-3.14"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000737468_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "63,937", "Cash Deposits and Cash Equivalents": "82,238", "Deposits": "2,126,315", "Fees": "0", "Goodwill": "58,114", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "82,991", "Loans and Leases Receivable": "2,117,357", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "716,424", "Other Compr. Net Income": "0", "Other Expenses": "12,922", "Other Liabilities": "573,441", "Other Net Income": "42,646", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "26,028"}, "output_variables": {"Liabilities": "2,782,747", "Assets": "3,064,098", "Expenses": "12,922", "Revenues": "0", "Stockholders Equity": "281,351", "Net Income": "29,724", "Comprehensive Net Income": "29,724", "BaseVar": "3,024,278", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2012": {"input_variables": {"Assets and Securities": "498,464", "Cash Deposits and Cash Equivalents": "73,474", "Deposits": "2,312,631", "Fees": "3,970", "Goodwill": "58,114", "IT and Equipment Expense": "4,640", "Labor Expense": "59,786", "Liabilities and Borrowings": "69,438", "Loans and Leases Receivable": "2,263,130", "Long-term Debt": "0", "Occupancy": "6,039", "Other Assets": "151,470", "Other Compr. Net Income": "-24,402", "Other Expenses": "19,281", "Other Liabilities": "394,163", "Other Net Income": "87,996", "Other Noninterest Expense": "8,622", "Other Revenues": "65,214", "Property, Plant and Equipment": "27,232"}, "output_variables": {"Liabilities": "2,776,232", "Assets": "3,071,884", "Expenses": "102,338", "Revenues": "65,214", "Stockholders Equity": "295,652", "Net Income": "50,872", "Comprehensive Net Income": "26,470", "BaseVar": "3,432,167", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}}, "top_rated": false, "trend": -4.0, "value": 0.11120500607382917, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000737468.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000737468.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000737468.svg"}, {"company_id": "0001093672", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001093672.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001093672.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001093672.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001093672_256x256.png", "name": "Peoples Bancorp OF North Carolina INC", "rank": 50, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001093672.svg", "report_text": "The relative strengths and weaknesses of Peoples Bancorp OF North Carolina 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. <br/><br/>The greatest strength of Peoples Bancorp OF North Carolina INC compared to the market average is the variable Assets and Securities, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Peoples Bancorp OF North Carolina INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 27% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 11%, being 0.76% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001093672_2013_Peoples_Bancorp_OF_North_Carolina_INC.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.01", "Liabilities": "-1.98", "Stockholders Equity": "-0.892", "ECR before LimitedLiability": "-1.64", "Other Liabilities": "-31.7", "Liabilities and Borrowings": "10.7", "Deposits": "-2.71", "Other Assets": "-16.0", "Assets": "0.842", "Goodwill": "-0.887", "Assets and Securities": "10.6", "Loans and Leases Receivable": "3.52", "Cash Deposits and Cash Equivalents": "-2.52", "Expenses": "1.48", "Revenues": "-0.618", "Net Income": "-0.808", "Other Expenses": "1.39", "Other Revenues": "-0.618", "Other Net Income": "-1.73", "Economic Capital Ratio": "-1.89", "Other Compr. Net Income": "0.676"}, "2012": {"Deposits": "-2.96", "Liabilities": "-1.36", "Stockholders Equity": "-0.290", "ECR before LimitedLiability": "-0.553", "Other Liabilities": "-27.3", "Liabilities and Borrowings": "10.9", "Long-term Debt": "0.851", "Loans and Leases Receivable": "1.09", "Assets": "0.879", "Cash Deposits and Cash Equivalents": "-0.773", "Other Assets": "-15.6", "Assets and Securities": "10.9", "Goodwill": "-0.661", "Expenses": "1.02", "Revenues": "-0.219", "Net Income": "-0.879", "Other Expenses": "0.807", "Other Revenues": "-0.219", "Other Net Income": "-1.72", "Economic Capital Ratio": "-0.759", "Other Compr. Net Income": "0.780"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001093672_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "327,100", "Cash Deposits and Cash Equivalents": "29,236", "Deposits": "827,111", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "653,893", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "39,938", "Other Compr. Net Income": "2,689", "Other Expenses": "1,463", "Other Liabilities": "136,925", "Other Net Income": "6,622", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "16,896"}, "output_variables": {"Liabilities": "964,036", "Assets": "1,067,063", "Expenses": "1,463", "Revenues": "0", "Stockholders Equity": "103,027", "Net Income": "5,159", "Comprehensive Net Income": "7,848", "BaseVar": "1,035,104", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2012": {"input_variables": {"Assets and Securities": "303,422", "Cash Deposits and Cash Equivalents": "48,843", "Deposits": "781,525", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "605,551", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "39,826", "Other Compr. Net Income": "2,536", "Other Expenses": "1,587", "Other Liabilities": "134,244", "Other Net Income": "7,380", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "15,874"}, "output_variables": {"Liabilities": "915,769", "Assets": "1,013,516", "Expenses": "1,587", "Revenues": "0", "Stockholders Equity": "97,747", "Net Income": "5,793", "Comprehensive Net Income": "8,329", "BaseVar": "985,520", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}}, "top_rated": false, "trend": 2.0, "value": 0.10990362757110271, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001093672.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001093672.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001093672.svg"}, {"company_id": "0000736772", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000736772.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000736772.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000736772.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000736772_256x256.png", "name": "CNB Financial CORP PA", "rank": 51, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000736772.svg", "report_text": "The relative strengths and weaknesses of CNB Financial CORP PA 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. <br/><br/>The greatest strength of CNB Financial CORP PA compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 11% points.The greatest weakness of CNB Financial CORP PA is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 53% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 11%, being 0.78% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000736772_2013_CNB_Financial_CORP_PA.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.000", "Liabilities": "-1.73", "Stockholders Equity": "-2.15", "ECR before LimitedLiability": "-2.06", "Other Liabilities": "10.3", "Liabilities and Borrowings": "-50.8", "Deposits": "-7.74", "Other Assets": "8.07", "Assets": "-0.497", "Goodwill": "-0.408", "Assets and Securities": "-3.55", "Loans and Leases Receivable": "-3.48", "Cash Deposits and Cash Equivalents": "-2.76", "Expenses": "0.769", "Revenues": "-0.618", "Net Income": "0.796", "Other Expenses": "0.682", "Other Revenues": "-0.618", "Other Net Income": "0.633", "Comprehensive Net Income": "0.568", "Economic Capital Ratio": "-2.31"}, "2012": {"Deposits": "-7.59", "Liabilities": "-0.979", "Stockholders Equity": "-1.59", "ECR before LimitedLiability": "-0.573", "Other Liabilities": "11.0", "Liabilities and Borrowings": "-53.2", "Long-term Debt": "0.861", "Loans and Leases Receivable": "-5.63", "Assets": "-0.622", "Cash Deposits and Cash Equivalents": "-3.02", "Other Assets": "8.97", "Assets and Securities": "-2.84", "Goodwill": "-0.225", "Expenses": "0.315", "Net Income": "0.509", "Other Revenues": "-0.222", "Revenues": "-0.222", "Comprehensive Net Income": "1.01", "Other Compr. Net Income": "0.514", "Other Net Income": "0.415", "Economic Capital Ratio": "-0.779"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000736772_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "17,523", "Cash Deposits and Cash Equivalents": "39,703", "Deposits": "1,353,851", "Fees": "0", "Goodwill": "10,821", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,222,510", "Loans and Leases Receivable": "837,268", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "672,888", "Other Compr. Net Income": "0", "Other Expenses": "5,529", "Other Liabilities": "-1,106,043", "Other Net Income": "20,633", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "24,004"}, "output_variables": {"Liabilities": "1,470,318", "Assets": "1,602,207", "Expenses": "5,529", "Revenues": "0", "Stockholders Equity": "131,889", "Net Income": "15,104", "Comprehensive Net Income": "15,104", "BaseVar": "1,583,747", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2012": {"input_variables": {"Assets and Securities": "17,439", "Cash Deposits and Cash Equivalents": "31,881", "Deposits": "1,485,003", "Fees": "0", "Goodwill": "10,946", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,334,050", "Loans and Leases Receivable": "913,764", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "774,977", "Other Compr. Net Income": "3,163", "Other Expenses": "6,411", "Other Liabilities": "-1,191,338", "Other Net Income": "23,547", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "24,072"}, "output_variables": {"Liabilities": "1,627,715", "Assets": "1,773,079", "Expenses": "6,411", "Revenues": "0", "Stockholders Equity": "145,364", "Net Income": "17,136", "Comprehensive Net Income": "20,299", "BaseVar": "1,760,512", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}}, "top_rated": false, "trend": 6.0, "value": 0.10970504862402308, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000736772.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000736772.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000736772.svg"}, {"company_id": "0000836147", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000836147.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000836147.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000836147.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000836147_256x256.png", "name": "Middlefield BANC CORP", "rank": 52, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000836147.svg", "report_text": "The relative strengths and weaknesses of Middlefield BANC 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. <br/><br/>The greatest strength of Middlefield BANC CORP compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 8.9% points.The greatest weakness of Middlefield BANC CORP is the variable Deposits, reducing the Economic Capital Ratio by 13% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 11%, being 1.0% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000836147_2013_Middlefield_BANC_CORP.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "0.867", "Liabilities": "-3.16", "Other Assets": "2.62", "Stockholders Equity": "-2.70", "Other Liabilities": "-9.53", "Liabilities and Borrowings": "7.89", "Deposits": "-12.2", "Expenses": "1.41", "Net Income": "-0.254", "Other Expenses": "1.34", "Other Revenues": "-0.558", "Revenues": "-0.558", "ECR before LimitedLiability": "-3.90", "Comprehensive Net Income": "-0.469", "Goodwill": "-0.354", "Assets and Securities": "-4.13", "Loans and Leases Receivable": "2.25", "Cash Deposits and Cash Equivalents": "-0.675", "Property, Plant and Equipment": "-0.269", "Other Net Income": "-1.26", "Economic Capital Ratio": "-4.15"}, "2012": {"Deposits": "-12.6", "Liabilities": "-1.38", "Stockholders Equity": "-1.48", "ECR before LimitedLiability": "-0.807", "Other Liabilities": "-5.04", "Liabilities and Borrowings": "8.90", "Long-term Debt": "0.849", "Loans and Leases Receivable": "0.475", "Assets": "-0.186", "Cash Deposits and Cash Equivalents": "0.565", "Property, Plant and Equipment": "-0.245", "Other Assets": "2.61", "Assets and Securities": "-3.52", "Expenses": "0.709", "Net Income": "0.418", "Other Expenses": "0.491", "Other Revenues": "-0.219", "Revenues": "-0.219", "Comprehensive Net Income": "0.741", "Other Compr. Net Income": "0.327", "Economic Capital Ratio": "-1.01"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000836147_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "34,390", "Deposits": "580,962", "Fees": "0", "Goodwill": "4,559", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "72,684", "Loans and Leases Receivable": "395,061", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "212,277", "Other Compr. Net Income": "0", "Other Expenses": "596", "Other Liabilities": "-46,348", "Other Net Income": "4,726", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "8,264"}, "output_variables": {"Liabilities": "607,298", "Assets": "654,551", "Expenses": "596", "Revenues": "0", "Stockholders Equity": "47,253", "Net Income": "4,130", "Comprehensive Net Income": "4,130", "BaseVar": "640,584", "ECR before LimitedLiability": "8.1%", "Economic Capital Ratio": "8.4%"}}, "2012": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "45,346", "Deposits": "593,335", "Fees": "0", "Goodwill": "4,559", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "76,885", "Loans and Leases Receivable": "400,654", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "211,059", "Other Compr. Net Income": "850", "Other Expenses": "1,662", "Other Liabilities": "-55,369", "Other Net Income": "7,943", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "8,670"}, "output_variables": {"Liabilities": "614,851", "Assets": "670,288", "Expenses": "1,662", "Revenues": "0", "Stockholders Equity": "55,437", "Net Income": "6,281", "Comprehensive Net Income": "7,131", "BaseVar": "661,545", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}}, "top_rated": false, "trend": 19.0, "value": 0.10735790143116637, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000836147.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000836147.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000836147.svg"}, {"company_id": "0000920112", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000920112.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000920112.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000920112.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000920112_256x256.png", "name": "Heartland Financial USA INC", "rank": 53, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000920112.svg", "report_text": "The relative strengths and weaknesses of Heartland Financial USA 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. <br/><br/>The greatest strength of Heartland Financial USA INC compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Heartland Financial USA INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 29% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 11%, being 1.1% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000920112_2013_Heartland_Financial_USA_INC.pdf", "shrinked_graph_json": {"2012": {"Deposits": "-1.58", "Liabilities": "-1.13", "Stockholders Equity": "-1.65", "ECR before LimitedLiability": "-0.856", "Other Liabilities": "-29.2", "Liabilities and Borrowings": "10.6", "Long-term Debt": "0.851", "Loans and Leases Receivable": "-2.51", "Assets": "-0.543", "Cash Deposits and Cash Equivalents": "-1.89", "Property, Plant and Equipment": "0.658", "Other Assets": "5.06", "Assets and Securities": "-2.32", "Goodwill": "-0.226", "Expenses": "0.358", "Net Income": "0.623", "Other Revenues": "-0.220", "Revenues": "-0.220", "Comprehensive Net Income": "0.808", "Other Net Income": "0.485", "Economic Capital Ratio": "-1.06"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000920112_strength_weakness.svg", "table_records": {"2012": {"input_variables": {"Assets and Securities": "85,212", "Cash Deposits and Cash Equivalents": "168,054", "Deposits": "3,845,660", "Fees": "0", "Goodwill": "30,627", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "2,790,087", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,788,279", "Other Compr. Net Income": "4,435", "Other Expenses": "17,384", "Other Liabilities": "740,354", "Other Net Income": "67,235", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "128,294"}, "output_variables": {"Liabilities": "4,586,014", "Assets": "4,990,553", "Expenses": "17,384", "Revenues": "0", "Stockholders Equity": "404,539", "Net Income": "49,851", "Comprehensive Net Income": "54,286", "BaseVar": "4,949,917", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}}, "top_rated": false, "trend": null, "value": 0.10687246669657265, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000920112.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000920112.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000920112.svg"}, {"company_id": "0000860413", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000860413.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000860413.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000860413.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000860413_256x256.png", "name": "First Interstate Bancsystem INC", "rank": 54, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000860413.svg", "report_text": "The relative strengths and weaknesses of First Interstate Bancsystem 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. <br/><br/>The greatest strength of First Interstate Bancsystem INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 11% points.The greatest weakness of First Interstate Bancsystem INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 35% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 11%, being 1.1% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000860413_2013_First_Interstate_Bancsystem_INC.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.02", "Liabilities": "-1.31", "ECR before LimitedLiability": "-1.38", "Other Liabilities": "10.9", "Liabilities and Borrowings": "-33.3", "Deposits": "-4.65", "Other Assets": "-16.8", "Assets": "0.919", "Comprehensive Net Income": "-0.589", "Goodwill": "0.925", "Assets and Securities": "10.9", "Loans and Leases Receivable": "-0.289", "Property, Plant and Equipment": "0.625", "Expenses": "0.937", "Net Income": "-0.349", "Other Expenses": "0.848", "Other Revenues": "-0.624", "Revenues": "-0.624", "Other Net Income": "-0.682", "Other Compr. Net Income": "-0.238", "Economic Capital Ratio": "-1.64"}, "2012": {"Deposits": "-5.80", "Liabilities": "-0.689", "Stockholders Equity": "-0.283", "ECR before LimitedLiability": "-0.875", "Other Liabilities": "10.7", "Liabilities and Borrowings": "-35.0", "Long-term Debt": "0.847", "Loans and Leases Receivable": "-3.81", "Assets": "0.330", "Cash Deposits and Cash Equivalents": "3.05", "Property, Plant and Equipment": "0.577", "Other Assets": "-16.8", "Assets and Securities": "10.6", "Goodwill": "1.04", "Other Revenues": "-0.219", "Revenues": "-0.219", "Net Income": "-0.223", "Comprehensive Net Income": "-0.501", "Other Compr. Net Income": "-0.276", "Other Net Income": "-0.199", "Economic Capital Ratio": "-1.08"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000860413_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "2,237,822", "Cash Deposits and Cash Equivalents": "472,447", "Deposits": "5,826,971", "Fees": "0", "Goodwill": "183,673", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,555,262", "Loans and Leases Receivable": "4,073,968", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "172,846", "Other Compr. Net Income": "0", "Other Expenses": "21,615", "Other Liabilities": "-3,827,726", "Other Net Income": "66,161", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "184,771"}, "output_variables": {"Liabilities": "6,554,507", "Assets": "7,325,527", "Expenses": "21,615", "Revenues": "0", "Stockholders Equity": "771,020", "Net Income": "44,546", "Comprehensive Net Income": "44,546", "BaseVar": "7,099,330", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2012": {"input_variables": {"Assets and Securities": "2,266,434", "Cash Deposits and Cash Equivalents": "801,332", "Deposits": "6,240,411", "Fees": "0", "Goodwill": "183,673", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,745,102", "Loans and Leases Receivable": "4,123,401", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "159,356", "Other Compr. Net Income": "-3,043", "Other Expenses": "30,038", "Other Liabilities": "-4,014,938", "Other Net Income": "88,262", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "187,565"}, "output_variables": {"Liabilities": "6,970,575", "Assets": "7,721,761", "Expenses": "30,038", "Revenues": "0", "Stockholders Equity": "751,186", "Net Income": "58,224", "Comprehensive Net Income": "55,181", "BaseVar": "7,566,406", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}}, "top_rated": false, "trend": -5.0, "value": 0.10667729701313482, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000860413.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000860413.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000860413.svg"}, {"company_id": "0000750558", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000750558.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000750558.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000750558.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000750558_256x256.png", "name": "QNB CORP", "rank": 55, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000750558.svg", "report_text": "The relative strengths and weaknesses of QNB 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. <br/><br/>The greatest strength of QNB CORP compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 10% points.The greatest weakness of QNB CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 13% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 11%, being 1.2% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000750558_2013_QNB_CORP.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "-0.883", "Liabilities": "-1.83", "Other Assets": "8.27", "Stockholders Equity": "-2.22", "ECR before LimitedLiability": "-1.83", "Other Liabilities": "-17.3", "Liabilities and Borrowings": "10.4", "Deposits": "-9.60", "Expenses": "0.984", "Net Income": "1.08", "Other Expenses": "0.896", "Other Revenues": "-0.621", "Revenues": "-0.621", "Goodwill": "-0.894", "Assets and Securities": "-3.91", "Loans and Leases Receivable": "-1.28", "Cash Deposits and Cash Equivalents": "-3.66", "Property, Plant and Equipment": "-0.583", "Other Net Income": "0.707", "Comprehensive Net Income": "0.851", "Economic Capital Ratio": "-2.09"}, "2012": {"Deposits": "-11.3", "Liabilities": "-1.25", "Loans and Leases Receivable": "-5.83", "Stockholders Equity": "-1.34", "ECR before LimitedLiability": "-0.992", "Other Liabilities": "-13.0", "Liabilities and Borrowings": "10.3", "Long-term Debt": "0.387", "Expenses": "0.579", "Net Income": "0.631", "Other Expenses": "0.361", "Other Revenues": "-0.218", "Revenues": "-0.218", "Cash Deposits and Cash Equivalents": "-3.08", "Property, Plant and Equipment": "-0.472", "Other Assets": "9.25", "Assets and Securities": "-2.81", "Goodwill": "-0.662", "Comprehensive Net Income": "0.422", "Other Net Income": "0.270", "Economic Capital Ratio": "-1.20"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000750558_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "5,104", "Cash Deposits and Cash Equivalents": "10,555", "Deposits": "750,712", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "26,163", "Loans and Leases Receivable": "480,695", "Long-term Debt": "20,299", "Occupancy": "0", "Other Assets": "364,846", "Other Compr. Net Income": "0", "Other Expenses": "2,476", "Other Liabilities": "789", "Other Net Income": "11,356", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "7,604"}, "output_variables": {"Liabilities": "797,963", "Assets": "868,804", "Expenses": "2,476", "Revenues": "0", "Stockholders Equity": "70,841", "Net Income": "8,880", "Comprehensive Net Income": "8,880", "BaseVar": "858,489", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2012": {"input_variables": {"Assets and Securities": "9,102", "Cash Deposits and Cash Equivalents": "15,453", "Deposits": "801,638", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "34,839", "Loans and Leases Receivable": "467,961", "Long-term Debt": "5,287", "Occupancy": "0", "Other Assets": "418,385", "Other Compr. Net Income": "-209", "Other Expenses": "2,609", "Other Liabilities": "487", "Other Net Income": "11,784", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "8,973"}, "output_variables": {"Liabilities": "842,251", "Assets": "919,874", "Expenses": "2,609", "Revenues": "0", "Stockholders Equity": "77,623", "Net Income": "9,175", "Comprehensive Net Income": "8,966", "BaseVar": "907,565", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "11%"}}}, "top_rated": false, "trend": 0.0, "value": 0.10550868981046349, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000750558.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000750558.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000750558.svg"}, {"company_id": "0000764038", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000764038.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000764038.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000764038.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000764038_256x256.png", "name": "Southstate Bank Corp", "rank": 56, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000764038.svg", "report_text": "The relative strengths and weaknesses of Southstate Bank 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. <br/><br/>The greatest strength of Southstate Bank Corp compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Southstate Bank Corp is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 47% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 11%, being 1.2% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000764038_2013_Southstate_Bank_Corp.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "0.989", "Liabilities": "-1.72", "Stockholders Equity": "-0.785", "ECR before LimitedLiability": "-2.09", "Other Liabilities": "10.2", "Liabilities and Borrowings": "-47.7", "Deposits": "-8.11", "Other Assets": "10.2", "Assets": "0.724", "Goodwill": "-0.882", "Assets and Securities": "3.26", "Loans and Leases Receivable": "-32.7", "Cash Deposits and Cash Equivalents": "-1.32", "Property, Plant and Equipment": "0.536", "Expenses": "0.980", "Revenues": "-0.612", "Comprehensive Net Income": "-0.686", "Other Expenses": "0.894", "Other Revenues": "-0.612", "Other Net Income": "-0.851", "Economic Capital Ratio": "-2.34"}, "2012": {"Deposits": "-8.99", "Liabilities": "-1.09", "ECR before LimitedLiability": "-1.00", "Other Liabilities": "10.5", "Liabilities and Borrowings": "-46.7", "Long-term Debt": "0.838", "Loans and Leases Receivable": "-33.6", "Assets": "0.825", "Cash Deposits and Cash Equivalents": "1.08", "Property, Plant and Equipment": "0.456", "Other Assets": "10.5", "Assets and Securities": "6.27", "Goodwill": "-0.658", "Expenses": "0.522", "Net Income": "-0.825", "Other Expenses": "0.305", "Other Revenues": "-0.217", "Revenues": "-0.217", "Comprehensive Net Income": "-0.732", "Other Net Income": "-1.14", "Economic Capital Ratio": "-1.21"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000764038_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "423,758", "Cash Deposits and Cash Equivalents": "171,425", "Deposits": "3,254,472", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,856,323", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "3,207,124", "Other Compr. Net Income": "0", "Other Expenses": "10,762", "Other Liabilities": "-2,596,018", "Other Net Income": "33,357", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "94,250"}, "output_variables": {"Liabilities": "3,514,777", "Assets": "3,896,557", "Expenses": "10,762", "Revenues": "0", "Stockholders Equity": "381,780", "Net Income": "22,595", "Comprehensive Net Income": "22,595", "BaseVar": "3,785,743", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2012": {"input_variables": {"Assets and Securities": "769,508", "Cash Deposits and Cash Equivalents": "380,730", "Deposits": "4,298,360", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,592,037", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "3,870,625", "Other Compr. Net Income": "3,125", "Other Expenses": "15,128", "Other Liabilities": "-3,261,500", "Other Net Income": "45,160", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "115,583"}, "output_variables": {"Liabilities": "4,628,897", "Assets": "5,136,446", "Expenses": "15,128", "Revenues": "0", "Stockholders Equity": "507,549", "Net Income": "30,032", "Comprehensive Net Income": "33,157", "BaseVar": "4,997,766", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "11%"}}}, "top_rated": false, "trend": 2.0, "value": 0.10542568262103708, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000764038.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000764038.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000764038.svg"}, {"company_id": "0001057706", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001057706.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001057706.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001057706.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001057706_256x256.png", "name": "First Bancorp PR", "rank": 57, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001057706.svg", "report_text": "The relative strengths and weaknesses of First Bancorp PR 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. <br/><br/>The greatest strength of First Bancorp PR compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 10% points.The greatest weakness of First Bancorp PR is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 48% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 10%, being 1.3% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001057706_2013_First_Bancorp_PR.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "0.759", "Liabilities": "-1.55", "Stockholders Equity": "0.217", "Other Liabilities": "7.18", "Liabilities and Borrowings": "-44.4", "Deposits": "-1.51", "Other Assets": "-6.04", "Assets": "1.43", "Goodwill": "-0.741", "Assets and Securities": "-2.64", "Loans and Leases Receivable": "7.16", "Cash Deposits and Cash Equivalents": "-2.98", "Expenses": "1.30", "Revenues": "-0.498", "Net Income": "-4.52", "Other Expenses": "1.23", "Other Revenues": "-0.498", "ECR before LimitedLiability": "-5.14", "Other Net Income": "-5.69", "Comprehensive Net Income": "-4.72", "Economic Capital Ratio": "-5.40"}, "2012": {"Deposits": "-2.83", "Liabilities": "-1.63", "Assets": "2.41", "Stockholders Equity": "1.17", "ECR before LimitedLiability": "-1.07", "Other Liabilities": "10.5", "Liabilities and Borrowings": "-47.8", "Long-term Debt": "0.822", "Loans and Leases Receivable": "8.89", "Other Assets": "-6.37", "Assets and Securities": "-2.13", "Goodwill": "-0.646", "Expenses": "1.37", "Revenues": "-0.213", "Net Income": "-2.11", "Labor Expense": "0.145", "Other Expenses": "1.16", "Other Revenues": "-0.213", "Comprehensive Net Income": "-1.97", "Other Net Income": "-3.35", "Economic Capital Ratio": "-1.27"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001057706_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "237,951", "Cash Deposits and Cash Equivalents": "207,852", "Deposits": "9,907,754", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "9,354,348", "Loans and Leases Receivable": "10,065,475", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "2,421,055", "Other Compr. Net Income": "1,480", "Other Expenses": "9,322", "Other Liabilities": "-7,578,971", "Other Net Income": "-72,910", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "194,942"}, "output_variables": {"Liabilities": "11,683,131", "Assets": "13,127,275", "Expenses": "9,322", "Revenues": "0", "Stockholders Equity": "1,444,144", "Net Income": "-82,232", "Comprehensive Net Income": "-80,752", "BaseVar": "12,557,140", "ECR before LimitedLiability": "6.6%", "Economic Capital Ratio": "7.2%"}}, "2012": {"input_variables": {"Assets and Securities": "236,194", "Cash Deposits and Cash Equivalents": "730,016", "Deposits": "9,864,546", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "9,136,932", "Loans and Leases Receivable": "9,618,700", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "2,333,468", "Other Compr. Net Income": "9,234", "Other Expenses": "5,932", "Other Liabilities": "-7,386,760", "Other Net Income": "35,714", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "181,363"}, "output_variables": {"Liabilities": "11,614,718", "Assets": "13,099,741", "Expenses": "5,932", "Revenues": "0", "Stockholders Equity": "1,485,023", "Net Income": "29,782", "Comprehensive Net Income": "39,016", "BaseVar": "12,449,577", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}}, "top_rated": false, "trend": 18.0, "value": 0.1047640573779045, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001057706.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001057706.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001057706.svg"}, {"company_id": "0000932781", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000932781.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000932781.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000932781.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000932781_256x256.png", "name": "First Community CORP SC", "rank": 58, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000932781.svg", "report_text": "The relative strengths and weaknesses of First Community CORP SC 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. <br/><br/>The greatest strength of First Community CORP SC compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 10% points.The greatest weakness of First Community CORP SC is the variable Other Liabilities, reducing the Economic Capital Ratio by 25% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 10%, being 1.3% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000932781_2013_First_Community_CORP_SC.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.03", "Liabilities": "-1.81", "Other Assets": "7.54", "Stockholders Equity": "-2.32", "ECR before LimitedLiability": "-1.41", "Other Liabilities": "-31.7", "Liabilities and Borrowings": "10.9", "Deposits": "-2.01", "Expenses": "1.14", "Comprehensive Net Income": "1.35", "Other Expenses": "1.05", "Other Revenues": "-0.628", "Revenues": "-0.628", "Goodwill": "-0.831", "Assets and Securities": "-4.29", "Loans and Leases Receivable": "-2.43", "Cash Deposits and Cash Equivalents": "-2.61", "Property, Plant and Equipment": "0.891", "Other Net Income": "-1.12", "Other Compr. Net Income": "1.88", "Economic Capital Ratio": "-1.66"}, "2012": {"Deposits": "-3.90", "Liabilities": "-1.31", "Stockholders Equity": "-0.857", "ECR before LimitedLiability": "-1.07", "Other Liabilities": "-24.9", "Liabilities and Borrowings": "10.4", "Long-term Debt": "0.837", "Loans and Leases Receivable": "-3.14", "Assets": "0.328", "Cash Deposits and Cash Equivalents": "-2.08", "Property, Plant and Equipment": "0.876", "Other Assets": "7.58", "Assets and Securities": "-3.45", "Goodwill": "-0.590", "Expenses": "0.621", "Revenues": "-0.217", "Net Income": "-0.571", "Other Expenses": "0.405", "Other Revenues": "-0.217", "Other Net Income": "-0.990", "Economic Capital Ratio": "-1.28", "Other Compr. Net Income": "0.482"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000932781_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "381", "Cash Deposits and Cash Equivalents": "16,111", "Deposits": "464,585", "Fees": "0", "Goodwill": "571", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "6,015", "Loans and Leases Receivable": "319,612", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "239,729", "Other Compr. Net Income": "3,570", "Other Expenses": "1,457", "Other Liabilities": "75,391", "Other Net Income": "4,781", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "17,483"}, "output_variables": {"Liabilities": "545,991", "Assets": "593,887", "Expenses": "1,457", "Revenues": "0", "Stockholders Equity": "47,896", "Net Income": "3,324", "Comprehensive Net Income": "6,894", "BaseVar": "587,741", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2012": {"input_variables": {"Assets and Securities": "412", "Cash Deposits and Cash Equivalents": "18,296", "Deposits": "474,977", "Fees": "0", "Goodwill": "571", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "6,057", "Loans and Leases Receivable": "327,490", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "238,898", "Other Compr. Net Income": "1,029", "Other Expenses": "1,620", "Other Liabilities": "67,708", "Other Net Income": "5,588", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "17,258"}, "output_variables": {"Liabilities": "548,742", "Assets": "602,925", "Expenses": "1,620", "Revenues": "0", "Stockholders Equity": "54,183", "Net Income": "3,968", "Comprehensive Net Income": "4,997", "BaseVar": "590,784", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}}, "top_rated": false, "trend": -8.0, "value": 0.10472437934615524, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000932781.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000932781.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000932781.svg"}, {"company_id": "0000776901", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000776901.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000776901.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000776901.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000776901_256x256.png", "name": "Independent BANK CORP", "rank": 59, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000776901.svg", "report_text": "The relative strengths and weaknesses of Independent BANK 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. <br/><br/>The greatest strength of Independent BANK CORP compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 10% points.The greatest weakness of Independent BANK CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 24% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 10%, being 1.4% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000776901_2013_Independent_BANK_CORP.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.04", "Liabilities": "-1.25", "Other Assets": "-16.4", "Stockholders Equity": "-1.18", "ECR before LimitedLiability": "-1.17", "Other Liabilities": "-24.4", "Liabilities and Borrowings": "10.8", "Deposits": "-2.36", "Expenses": "0.784", "Net Income": "0.740", "Other Expenses": "0.693", "Other Revenues": "-0.631", "Revenues": "-0.631", "Goodwill": "0.991", "Assets and Securities": "4.68", "Loans and Leases Receivable": "9.91", "Cash Deposits and Cash Equivalents": "-1.10", "Property, Plant and Equipment": "-0.515", "Other Net Income": "0.578", "Comprehensive Net Income": "0.503", "Economic Capital Ratio": "-1.42"}, "2012": {"Deposits": "-4.29", "Liabilities": "-1.37", "Stockholders Equity": "-0.667", "ECR before LimitedLiability": "-1.22", "Other Liabilities": "-23.7", "Liabilities and Borrowings": "10.2", "Long-term Debt": "0.829", "Loans and Leases Receivable": "9.52", "Assets": "0.552", "Cash Deposits and Cash Equivalents": "-1.56", "Property, Plant and Equipment": "-0.472", "Other Assets": "-15.8", "Assets and Securities": "4.21", "Goodwill": "1.19", "Expenses": "0.661", "Revenues": "-0.216", "Net Income": "-0.260", "Other Expenses": "0.448", "Other Revenues": "-0.216", "Comprehensive Net Income": "-0.393", "Other Net Income": "-0.721", "Economic Capital Ratio": "-1.43"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000776901_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "648,217", "Cash Deposits and Cash Equivalents": "237,504", "Deposits": "3,876,829", "Fees": "0", "Goodwill": "130,074", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "302,796", "Loans and Leases Receivable": "3,746,130", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "160,063", "Other Compr. Net Income": "0", "Other Expenses": "17,148", "Other Liabilities": "321,558", "Other Net Income": "62,584", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "48,252"}, "output_variables": {"Liabilities": "4,501,183", "Assets": "4,970,240", "Expenses": "17,148", "Revenues": "0", "Stockholders Equity": "469,057", "Net Income": "45,436", "Comprehensive Net Income": "45,436", "BaseVar": "4,880,425", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2012": {"input_variables": {"Assets and Securities": "657,598", "Cash Deposits and Cash Equivalents": "215,474", "Deposits": "4,546,677", "Fees": "0", "Goodwill": "150,391", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "89,933", "Loans and Leases Receivable": "4,467,177", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "211,118", "Other Compr. Net Income": "-40", "Other Expenses": "14,673", "Other Liabilities": "591,055", "Other Net Income": "57,300", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "55,227"}, "output_variables": {"Liabilities": "5,227,665", "Assets": "5,756,985", "Expenses": "14,673", "Revenues": "0", "Stockholders Equity": "529,320", "Net Income": "42,627", "Comprehensive Net Income": "42,587", "BaseVar": "5,623,029", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}}, "top_rated": false, "trend": -15.0, "value": 0.10320940600547394, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000776901.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000776901.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000776901.svg"}, {"company_id": "0000890066", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000890066.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000890066.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000890066.jpg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000890066_256x256.png", "name": "GLEN Burnie Bancorp", "rank": 60, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000890066.svg", "report_text": "The relative strengths and weaknesses of GLEN Burnie 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. <br/><br/>The greatest strength of GLEN Burnie Bancorp compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 10% points.The greatest weakness of GLEN Burnie Bancorp is the variable Other Liabilities, reducing the Economic Capital Ratio by 13% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 10%, being 1.5% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000890066_2013_GLEN_Burnie_Bancorp.pdf", "shrinked_graph_json": {"2012": {"Deposits": "-10.5", "Liabilities": "-1.69", "Stockholders Equity": "-1.09", "ECR before LimitedLiability": "-1.26", "Other Liabilities": "-12.8", "Liabilities and Borrowings": "10.2", "Long-term Debt": "-3.53", "Loans and Leases Receivable": "3.79", "Assets": "0.435", "Cash Deposits and Cash Equivalents": "-0.794", "Property, Plant and Equipment": "-0.443", "Other Assets": "1.36", "Assets and Securities": "-3.25", "Goodwill": "-0.654", "Expenses": "0.942", "Revenues": "-0.215", "Net Income": "-0.454", "Other Expenses": "0.731", "Other Revenues": "-0.215", "Other Net Income": "-1.22", "Economic Capital Ratio": "-1.47", "Other Compr. Net Income": "0.438"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000890066_strength_weakness.svg", "table_records": {"2012": {"input_variables": {"Assets and Securities": "1,317", "Cash Deposits and Cash Equivalents": "18,629", "Deposits": "332,289", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,533", "Loans and Leases Receivable": "249,632", "Long-term Debt": "20,000", "Occupancy": "0", "Other Assets": "113,988", "Other Compr. Net Income": "617", "Other Expenses": "674", "Other Liabilities": "28", "Other Net Income": "3,339", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "3,873"}, "output_variables": {"Liabilities": "353,851", "Assets": "387,438", "Expenses": "674", "Revenues": "0", "Stockholders Equity": "33,588", "Net Income": "2,665", "Comprehensive Net Income": "3,282", "BaseVar": "379,047", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}}, "top_rated": false, "trend": null, "value": 0.10279646607479724, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000890066.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000890066.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000890066.svg"}, {"company_id": "0000767405", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000767405.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000767405.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000767405.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000767405_256x256.png", "name": "SB Financial Group INC", "rank": 61, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000767405.svg", "report_text": "The relative strengths and weaknesses of SB 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. <br/><br/>The greatest strength of SB Financial Group INC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 10.0% points.The greatest weakness of SB Financial Group INC is the variable Loans and Leases Receivable, reducing the Economic Capital Ratio by 34% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 10.0%, being 1.8% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000767405_2013_SB_Financial_Group_INC.pdf", "shrinked_graph_json": {"2012": {"Deposits": "-7.00", "Liabilities": "-1.48", "Loans and Leases Receivable": "-33.8", "Stockholders Equity": "-1.37", "ECR before LimitedLiability": "-1.58", "Other Liabilities": "-21.6", "Liabilities and Borrowings": "9.90", "Long-term Debt": "0.817", "Expenses": "0.497", "Revenues": "-0.214", "Net Income": "-0.229", "Labor Expense": "0.145", "Other Expenses": "0.285", "Other Revenues": "-0.214", "Cash Deposits and Cash Equivalents": "-2.11", "Property, Plant and Equipment": "0.243", "Other Assets": "9.96", "Assets and Securities": "-3.13", "Goodwill": "1.13", "Other Net Income": "-0.523", "Economic Capital Ratio": "-1.79"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000767405_strength_weakness.svg", "table_records": {"2012": {"input_variables": {"Assets and Securities": "3,249", "Cash Deposits and Cash Equivalents": "19,144", "Deposits": "527,001", "Fees": "0", "Goodwill": "16,353", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,156", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "586,855", "Other Compr. Net Income": "487", "Other Expenses": "1,929", "Other Liabilities": "53,793", "Other Net Income": "6,743", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "12,633"}, "output_variables": {"Liabilities": "584,950", "Assets": "638,234", "Expenses": "1,929", "Revenues": "0", "Stockholders Equity": "53,284", "Net Income": "4,814", "Comprehensive Net Income": "5,301", "BaseVar": "628,216", "ECR before LimitedLiability": "9.9%", "Economic Capital Ratio": "10.0%"}}}, "top_rated": false, "trend": null, "value": 0.09963324389202068, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000767405.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000767405.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000767405.svg"}, {"company_id": "0001018399", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001018399.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001018399.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001018399.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001018399_256x256.png", "name": "Enterprise Bancorp INC MA", "rank": 62, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001018399.svg", "report_text": "The relative strengths and weaknesses of Enterprise Bancorp INC MA 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. <br/><br/>The greatest strength of Enterprise Bancorp INC MA compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 9.8% points.The greatest weakness of Enterprise Bancorp INC MA is the variable Other Liabilities, reducing the Economic Capital Ratio by 15% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 9.9%, being 1.9% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001018399_2013_Enterprise_Bancorp_INC_MA.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "0.971", "Liabilities": "-1.84", "Stockholders Equity": "-1.83", "ECR before LimitedLiability": "-2.53", "Other Liabilities": "-19.1", "Liabilities and Borrowings": "9.78", "Deposits": "-13.0", "Other Assets": "-10.6", "Assets": "-0.108", "Goodwill": "-0.608", "Assets and Securities": "-4.29", "Loans and Leases Receivable": "9.78", "Cash Deposits and Cash Equivalents": "-2.62", "Property, Plant and Equipment": "0.106", "Expenses": "0.739", "Revenues": "-0.606", "Comprehensive Net Income": "-0.151", "Other Expenses": "0.654", "Other Revenues": "-0.606", "Other Compr. Net Income": "-0.231", "Economic Capital Ratio": "-2.79"}, "2012": {"Deposits": "-12.6", "Liabilities": "-1.29", "Stockholders Equity": "-1.36", "ECR before LimitedLiability": "-1.67", "Other Liabilities": "-15.1", "Liabilities and Borrowings": "9.81", "Long-term Debt": "0.815", "Loans and Leases Receivable": "9.58", "Assets": "-0.143", "Cash Deposits and Cash Equivalents": "-1.99", "Other Assets": "-9.05", "Assets and Securities": "-3.50", "Goodwill": "-0.411", "Expenses": "0.225", "Revenues": "-0.213", "Net Income": "-0.275", "Labor Expense": "0.145", "Other Revenues": "-0.213", "Comprehensive Net Income": "-0.211", "Other Net Income": "-0.289", "Economic Capital Ratio": "-1.88"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001018399_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "39,131", "Deposits": "1,333,158", "Fees": "0", "Goodwill": "5,656", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,227,329", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "189,737", "Other Compr. Net Income": "0", "Other Expenses": "5,161", "Other Liabilities": "28,557", "Other Net Income": "16,105", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "27,310"}, "output_variables": {"Liabilities": "1,361,715", "Assets": "1,489,163", "Expenses": "5,161", "Revenues": "0", "Stockholders Equity": "127,448", "Net Income": "10,944", "Comprehensive Net Income": "10,944", "BaseVar": "1,464,037", "ECR before LimitedLiability": "9.7%", "Economic Capital Ratio": "9.8%"}}, "2012": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "52,735", "Deposits": "1,475,027", "Fees": "0", "Goodwill": "5,656", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "13,182", "Loans and Leases Receivable": "1,335,401", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "244,728", "Other Compr. Net Income": "903", "Other Expenses": "6,348", "Other Liabilities": "37,968", "Other Net Income": "18,723", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "27,206"}, "output_variables": {"Liabilities": "1,526,177", "Assets": "1,665,726", "Expenses": "6,348", "Revenues": "0", "Stockholders Equity": "139,549", "Net Income": "12,375", "Comprehensive Net Income": "13,278", "BaseVar": "1,643,094", "ECR before LimitedLiability": "9.8%", "Economic Capital Ratio": "9.9%"}}}, "top_rated": false, "trend": -1.0, "value": 0.09868411900349074, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001018399.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001018399.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001018399.svg"}, {"company_id": "0001488813", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001488813.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001488813.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001488813.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001488813_256x256.png", "name": "Customers Bancorp Inc", "rank": 63, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001488813.svg", "report_text": "The relative strengths and weaknesses of Customers 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. <br/><br/>The greatest strength of Customers Bancorp Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 9.9% points.The greatest weakness of Customers Bancorp Inc is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 67% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 9.9%, being 1.9% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001488813_2013_Customers_Bancorp_Inc.pdf", "shrinked_graph_json": {"2012": {"Deposits": "-1.23", "Liabilities": "-1.28", "Stockholders Equity": "-1.33", "ECR before LimitedLiability": "-1.69", "Other Liabilities": "9.86", "Liabilities and Borrowings": "-67.3", "Long-term Debt": "0.814", "Loans and Leases Receivable": "-12.6", "Assets": "-0.119", "Property, Plant and Equipment": "-0.941", "Other Assets": "9.82", "Assets and Securities": "-2.88", "Goodwill": "-0.569", "Expenses": "0.217", "Revenues": "-0.213", "Net Income": "-0.270", "Labor Expense": "0.145", "Other Revenues": "-0.213", "Comprehensive Net Income": "-0.253", "Other Net Income": "-0.275", "Economic Capital Ratio": "-1.89"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001488813_strength_weakness.svg", "table_records": {"2012": {"input_variables": {"Assets and Securities": "27,434", "Cash Deposits and Cash Equivalents": "186,016", "Deposits": "2,440,818", "Fees": "0", "Goodwill": "3,689", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,692,131", "Loans and Leases Receivable": "1,298,630", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,675,793", "Other Compr. Net Income": "1,309", "Other Expenses": "12,272", "Other Liabilities": "-2,201,190", "Other Net Income": "36,090", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "9,672"}, "output_variables": {"Liabilities": "2,931,759", "Assets": "3,201,234", "Expenses": "12,272", "Revenues": "0", "Stockholders Equity": "269,475", "Net Income": "23,818", "Comprehensive Net Income": "25,127", "BaseVar": "3,156,649", "ECR before LimitedLiability": "9.7%", "Economic Capital Ratio": "9.9%"}}}, "top_rated": false, "trend": null, "value": 0.09857313651626137, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001488813.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001488813.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001488813.svg"}, {"company_id": "0000920427", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000920427.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000920427.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000920427.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000920427_256x256.png", "name": "Unity Bancorp INC NJ", "rank": 64, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000920427.svg", "report_text": "The relative strengths and weaknesses of Unity Bancorp INC NJ 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. <br/><br/>The greatest strength of Unity Bancorp INC NJ compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 9.8% points.The greatest weakness of Unity Bancorp INC NJ is the variable Other Liabilities, reducing the Economic Capital Ratio by 25% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 9.8%, being 1.9% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000920427_2013_Unity_Bancorp_INC_NJ.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "0.918", "Liabilities": "-2.69", "Stockholders Equity": "-1.25", "ECR before LimitedLiability": "-3.16", "Other Liabilities": "-29.4", "Liabilities and Borrowings": "9.15", "Deposits": "-4.54", "Other Assets": "-15.9", "Assets": "1.06", "Goodwill": "-0.846", "Assets and Securities": "4.49", "Loans and Leases Receivable": "7.65", "Cash Deposits and Cash Equivalents": "2.51", "Expenses": "1.48", "Revenues": "-0.581", "Net Income": "-1.36", "Other Expenses": "1.40", "Other Revenues": "-0.581", "Other Net Income": "-2.42", "Comprehensive Net Income": "-1.15", "Economic Capital Ratio": "-3.42"}, "2012": {"Deposits": "-4.69", "Liabilities": "-1.46", "Stockholders Equity": "-0.424", "ECR before LimitedLiability": "-1.71", "Other Liabilities": "-24.9", "Liabilities and Borrowings": "9.79", "Long-term Debt": "0.807", "Loans and Leases Receivable": "7.20", "Assets": "0.842", "Cash Deposits and Cash Equivalents": "3.57", "Other Assets": "-16.0", "Assets and Securities": "5.42", "Goodwill": "-0.645", "Expenses": "0.584", "Revenues": "-0.211", "Net Income": "-1.05", "Other Expenses": "0.376", "Other Revenues": "-0.211", "Comprehensive Net Income": "-1.09", "Other Net Income": "-1.45", "Economic Capital Ratio": "-1.92"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000920427_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "109,795", "Cash Deposits and Cash Equivalents": "82,574", "Deposits": "643,971", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "576,244", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "30,883", "Other Compr. Net Income": "998", "Other Expenses": "769", "Other Liabilities": "93,317", "Other Net Income": "3,315", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "11,350"}, "output_variables": {"Liabilities": "737,288", "Assets": "810,846", "Expenses": "769", "Revenues": "0", "Stockholders Equity": "73,558", "Net Income": "2,546", "Comprehensive Net Income": "3,544", "BaseVar": "783,291", "ECR before LimitedLiability": "9.0%", "Economic Capital Ratio": "9.2%"}}, "2012": {"input_variables": {"Assets and Securities": "113,284", "Cash Deposits and Cash Equivalents": "94,192", "Deposits": "648,760", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "572,278", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "27,914", "Other Compr. Net Income": "212", "Other Expenses": "2,226", "Other Liabilities": "93,460", "Other Net Income": "6,470", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "12,062"}, "output_variables": {"Liabilities": "742,220", "Assets": "819,730", "Expenses": "2,226", "Revenues": "0", "Stockholders Equity": "77,510", "Net Income": "4,244", "Comprehensive Net Income": "4,456", "BaseVar": "797,143", "ECR before LimitedLiability": "9.7%", "Economic Capital Ratio": "9.8%"}}}, "top_rated": false, "trend": 2.0, "value": 0.09831554211735277, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000920427.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000920427.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000920427.svg"}, {"company_id": "0000356171", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000356171.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000356171.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000356171.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000356171_256x256.png", "name": "Trico Bancshares", "rank": 65, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000356171.svg", "report_text": "The relative strengths and weaknesses of Trico Bancshares 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. <br/><br/>The greatest strength of Trico Bancshares compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 9.7% points.The greatest weakness of Trico Bancshares is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 36% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 9.7%, being 2.0% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000356171_2013_Trico_Bancshares.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "0.968", "Liabilities": "-1.63", "Stockholders Equity": "-1.93", "ECR before LimitedLiability": "-2.63", "Other Liabilities": "9.70", "Liabilities and Borrowings": "-40.0", "Deposits": "-8.95", "Other Assets": "-10.4", "Assets": "-0.366", "Goodwill": "-0.449", "Assets and Securities": "-3.09", "Loans and Leases Receivable": "1.27", "Cash Deposits and Cash Equivalents": "8.96", "Property, Plant and Equipment": "-0.639", "Expenses": "0.432", "Other Expenses": "0.345", "Other Revenues": "-0.606", "Revenues": "-0.606", "Other Net Income": "0.205", "Economic Capital Ratio": "-2.88", "Other Compr. Net Income": "-0.231"}, "2012": {"Deposits": "-11.6", "Liabilities": "-0.793", "Stockholders Equity": "-1.06", "ECR before LimitedLiability": "-1.81", "Other Liabilities": "9.73", "Liabilities and Borrowings": "-36.4", "Long-term Debt": "0.812", "Loans and Leases Receivable": "-0.602", "Assets": "-0.285", "Cash Deposits and Cash Equivalents": "9.62", "Property, Plant and Equipment": "-0.424", "Other Assets": "-12.2", "Assets and Securities": "-2.45", "Goodwill": "-0.232", "Other Revenues": "-0.213", "Revenues": "-0.213", "Net Income": "-0.333", "Comprehensive Net Income": "-0.689", "Other Compr. Net Income": "-0.352", "Other Expenses": "-0.393", "Economic Capital Ratio": "-2.02"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000356171_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "43,384", "Cash Deposits and Cash Equivalents": "637,275", "Deposits": "2,190,536", "Fees": "0", "Goodwill": "15,519", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,752,228", "Loans and Leases Receivable": "1,505,118", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "334,408", "Other Compr. Net Income": "0", "Other Expenses": "11,192", "Other Liabilities": "-1,603,608", "Other Net Income": "29,782", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "19,893"}, "output_variables": {"Liabilities": "2,339,156", "Assets": "2,555,597", "Expenses": "11,192", "Revenues": "0", "Stockholders Equity": "216,441", "Net Income": "18,590", "Comprehensive Net Income": "18,590", "BaseVar": "2,521,744", "ECR before LimitedLiability": "9.6%", "Economic Capital Ratio": "9.7%"}}, "2012": {"input_variables": {"Assets and Securities": "38,607", "Cash Deposits and Cash Equivalents": "748,899", "Deposits": "2,289,702", "Fees": "0", "Goodwill": "15,519", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,649,188", "Loans and Leases Receivable": "1,522,175", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "257,084", "Other Compr. Net Income": "-1,652", "Other Expenses": "12,937", "Other Liabilities": "-1,558,980", "Other Net Income": "31,931", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "26,985"}, "output_variables": {"Liabilities": "2,379,910", "Assets": "2,609,269", "Expenses": "12,937", "Revenues": "0", "Stockholders Equity": "229,359", "Net Income": "18,994", "Comprehensive Net Income": "17,342", "BaseVar": "2,579,023", "ECR before LimitedLiability": "9.6%", "Economic Capital Ratio": "9.7%"}}}, "top_rated": false, "trend": -3.0, "value": 0.09729545875584966, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000356171.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000356171.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000356171.svg"}, {"company_id": "0000723646", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000723646.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000723646.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000723646.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000723646_256x256.png", "name": "Franklin Financial Services CORP PA", "rank": 66, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000723646.svg", "report_text": "The relative strengths and weaknesses of Franklin Financial Services CORP PA 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. <br/><br/>The greatest strength of Franklin Financial Services CORP PA compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 9.6% points.The greatest weakness of Franklin Financial Services CORP PA is the variable Other Liabilities, reducing the Economic Capital Ratio by 18% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 9.7%, being 2.0% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000723646_2013_Franklin_Financial_Services_CORP_PA.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "0.967", "Liabilities": "-2.63", "Stockholders Equity": "-1.54", "ECR before LimitedLiability": "-2.41", "Other Liabilities": "-28.2", "Liabilities and Borrowings": "9.89", "Deposits": "-4.46", "Other Assets": "-8.63", "Assets": "0.788", "Goodwill": "-0.223", "Assets and Securities": "-2.65", "Loans and Leases Receivable": "9.50", "Cash Deposits and Cash Equivalents": "-1.98", "Expenses": "1.73", "Revenues": "-0.602", "Net Income": "-0.141", "Other Expenses": "1.65", "Other Revenues": "-0.602", "Other Net Income": "-1.39", "Comprehensive Net Income": "-0.187", "Economic Capital Ratio": "-2.66"}, "2012": {"Deposits": "-10.5", "Liabilities": "-2.21", "Assets": "1.10", "Stockholders Equity": "-0.799", "ECR before LimitedLiability": "-1.84", "Other Liabilities": "-18.0", "Liabilities and Borrowings": "9.64", "Long-term Debt": "0.795", "Loans and Leases Receivable": "7.75", "Cash Deposits and Cash Equivalents": "1.17", "Other Assets": "-7.52", "Assets and Securities": "-2.69", "Expenses": "1.31", "Net Income": "-1.01", "Other Expenses": "1.11", "Other Revenues": "-0.209", "Revenues": "-0.209", "Comprehensive Net Income": "-0.761", "Other Compr. Net Income": "0.243", "Other Net Income": "-2.22", "Economic Capital Ratio": "-2.05"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000723646_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "22,206", "Cash Deposits and Cash Equivalents": "34,144", "Deposits": "787,986", "Fees": "0", "Goodwill": "9,016", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "13,641", "Loans and Leases Receivable": "756,687", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "152,154", "Other Compr. Net Income": "511", "Other Expenses": "411", "Other Liabilities": "101,439", "Other Net Income": "6,980", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "16,041"}, "output_variables": {"Liabilities": "903,066", "Assets": "990,248", "Expenses": "411", "Revenues": "0", "Stockholders Equity": "87,182", "Net Income": "6,569", "Comprehensive Net Income": "7,080", "BaseVar": "960,999", "ECR before LimitedLiability": "9.8%", "Economic Capital Ratio": "9.9%"}}, "2012": {"input_variables": {"Assets and Securities": "10,674", "Cash Deposits and Cash Equivalents": "77,834", "Deposits": "874,440", "Fees": "0", "Goodwill": "9,016", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "6,670", "Loans and Leases Receivable": "743,200", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "169,602", "Other Compr. Net Income": "1,081", "Other Expenses": "512", "Other Liabilities": "54,619", "Other Net Income": "5,877", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "17,037"}, "output_variables": {"Liabilities": "935,729", "Assets": "1,027,363", "Expenses": "512", "Revenues": "0", "Stockholders Equity": "91,634", "Net Income": "5,365", "Comprehensive Net Income": "6,446", "BaseVar": "995,104", "ECR before LimitedLiability": "9.6%", "Economic Capital Ratio": "9.7%"}}}, "top_rated": false, "trend": -7.0, "value": 0.09701162013270424, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000723646.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000723646.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000723646.svg"}, {"company_id": "0001449794", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001449794.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001449794.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001449794.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001449794_256x256.png", "name": "Embassy Bancorp Inc", "rank": 67, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001449794.svg", "report_text": "The relative strengths and weaknesses of Embassy 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. <br/><br/>The greatest strength of Embassy Bancorp Inc compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 9.5% points.The greatest weakness of Embassy Bancorp Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 13% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 9.7%, being 2.1% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001449794_2013_Embassy_Bancorp_Inc.pdf", "shrinked_graph_json": {"2012": {"Deposits": "-9.75", "Liabilities": "-1.49", "Stockholders Equity": "-1.84", "ECR before LimitedLiability": "-1.87", "Other Liabilities": "-12.8", "Liabilities and Borrowings": "9.46", "Long-term Debt": "-0.721", "Loans and Leases Receivable": "8.89", "Assets": "-0.408", "Cash Deposits and Cash Equivalents": "-0.936", "Property, Plant and Equipment": "-0.922", "Other Assets": "-7.60", "Assets and Securities": "-3.26", "Goodwill": "-0.648", "Expenses": "0.349", "Revenues": "-0.212", "Net Income": "0.241", "Labor Expense": "0.144", "Other Revenues": "-0.212", "Economic Capital Ratio": "-2.07", "Other Compr. Net Income": "-0.185"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001449794_strength_weakness.svg", "table_records": {"2012": {"input_variables": {"Assets and Securities": "2,054", "Cash Deposits and Cash Equivalents": "29,940", "Deposits": "553,020", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "27,049", "Loans and Leases Receivable": "500,072", "Long-term Debt": "12,586", "Occupancy": "0", "Other Assets": "108,848", "Other Compr. Net Income": "-106", "Other Expenses": "2,225", "Other Liabilities": "327", "Other Net Income": "7,968", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "2,095"}, "output_variables": {"Liabilities": "592,982", "Assets": "643,009", "Expenses": "2,225", "Revenues": "0", "Stockholders Equity": "50,027", "Net Income": "5,743", "Comprehensive Net Income": "5,637", "BaseVar": "636,688", "ECR before LimitedLiability": "9.5%", "Economic Capital Ratio": "9.7%"}}}, "top_rated": false, "trend": null, "value": 0.09675238694246094, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001449794.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001449794.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001449794.svg"}, {"company_id": "0001030469", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001030469.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001030469.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001030469.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001030469_256x256.png", "name": "OFG Bancorp", "rank": 68, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001030469.svg", "report_text": "The relative strengths and weaknesses of OFG 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. <br/><br/>The greatest strength of OFG Bancorp compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 9.5% points.The greatest weakness of OFG Bancorp is the variable Other Liabilities, reducing the Economic Capital Ratio by 48% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 9.5%, being 2.2% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001030469_2013_OFG_Bancorp.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "0.991", "Liabilities": "-2.30", "ECR before LimitedLiability": "-1.83", "Other Liabilities": "-99.5", "Liabilities and Borrowings": "10.5", "Deposits": "10.5", "Other Assets": "-13.7", "Assets": "1.70", "Goodwill": "-0.877", "Assets and Securities": "10.5", "Loans and Leases Receivable": "-19.8", "Cash Deposits and Cash Equivalents": "2.03", "Property, Plant and Equipment": "-0.954", "Expenses": "1.87", "Net Income": "-0.659", "Other Expenses": "1.78", "Other Revenues": "-0.610", "Revenues": "-0.610", "Other Net Income": "-2.03", "Comprehensive Net Income": "-0.887", "Economic Capital Ratio": "-2.08"}, "2012": {"Deposits": "7.66", "Liabilities": "1.41", "Assets": "-2.09", "Stockholders Equity": "-0.785", "ECR before LimitedLiability": "-2.02", "Other Liabilities": "-47.6", "Liabilities and Borrowings": "9.51", "Long-term Debt": "0.824", "Loans and Leases Receivable": "-3.08", "Cash Deposits and Cash Equivalents": "2.18", "Other Assets": "-14.5", "Assets and Securities": "9.24", "Expenses": "-3.55", "Revenues": "0.682", "Net Income": "-2.08", "Labor Expense": "-1.64", "Fees": "-0.840", "Other Revenues": "0.682", "Comprehensive Net Income": "-1.47", "Other Net Income": "0.662", "Economic Capital Ratio": "-2.22"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001030469_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "3,915,148", "Cash Deposits and Cash Equivalents": "605,477", "Deposits": "2,395,267", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,669,953", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "481,568", "Other Compr. Net Income": "144", "Other Expenses": "866", "Other Liabilities": "3,602,844", "Other Net Income": "35,316", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "21,520"}, "output_variables": {"Liabilities": "5,998,111", "Assets": "6,693,666", "Expenses": "866", "Revenues": "0", "Stockholders Equity": "695,555", "Net Income": "34,450", "Comprehensive Net Income": "34,594", "BaseVar": "6,411,820", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2012": {"input_variables": {"Assets and Securities": "2,356,949", "Cash Deposits and Cash Equivalents": "868,695", "Deposits": "5,689,559", "Fees": "22,274", "Goodwill": "64,021", "IT and Equipment Expense": "0", "Labor Expense": "45,778", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "5,182,025", "Long-term Debt": "0", "Occupancy": "17,530", "Other Assets": "636,681", "Other Compr. Net Income": "18,749", "Other Expenses": "42,039", "Other Liabilities": "2,640,203", "Other Net Income": "131,628", "Other Noninterest Expense": "3,458", "Other Revenues": "24,006", "Property, Plant and Equipment": "84,997"}, "output_variables": {"Liabilities": "8,329,762", "Assets": "9,193,368", "Expenses": "131,079", "Revenues": "24,006", "Stockholders Equity": "863,606", "Net Income": "24,555", "Comprehensive Net Income": "43,304", "BaseVar": "9,315,979", "ECR before LimitedLiability": "9.4%", "Economic Capital Ratio": "9.5%"}}}, "top_rated": false, "trend": -14.0, "value": 0.09527843937070071, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001030469.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001030469.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001030469.svg"}, {"company_id": "0001025835", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001025835.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001025835.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001025835.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001025835_256x256.png", "name": "Enterprise Financial Services CORP", "rank": 69, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001025835.svg", "report_text": "The relative strengths and weaknesses of Enterprise Financial Services 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. <br/><br/>The greatest strength of Enterprise Financial Services CORP compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 8.9% points.The greatest weakness of Enterprise Financial Services CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 18% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 9.5%, being 2.3% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001025835_2013_Enterprise_Financial_Services_CORP.pdf", "shrinked_graph_json": {"2012": {"Deposits": "-3.64", "Liabilities": "-1.52", "Stockholders Equity": "-2.42", "ECR before LimitedLiability": "-2.06", "Other Liabilities": "-18.2", "Liabilities and Borrowings": "8.92", "Long-term Debt": "0.800", "Loans and Leases Receivable": "4.88", "Assets": "-0.899", "Cash Deposits and Cash Equivalents": "-1.77", "Property, Plant and Equipment": "-0.704", "Other Assets": "-13.6", "Assets and Securities": "7.55", "Expenses": "0.140", "Revenues": "-0.211", "Comprehensive Net Income": "0.377", "Labor Expense": "0.143", "Other Revenues": "-0.211", "Other Net Income": "0.143", "Other Compr. Net Income": "0.305", "Economic Capital Ratio": "-2.27"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001025835_strength_weakness.svg", "table_records": {"2012": {"input_variables": {"Assets and Securities": "640,212", "Cash Deposits and Cash Equivalents": "116,370", "Deposits": "2,658,851", "Fees": "0", "Goodwill": "30,334", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "253,127", "Loans and Leases Receivable": "2,261,280", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "256,469", "Other Compr. Net Income": "4,188", "Other Expenses": "13,618", "Other Liabilities": "178,063", "Other Net Income": "41,914", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "21,121"}, "output_variables": {"Liabilities": "3,090,041", "Assets": "3,325,786", "Expenses": "13,618", "Revenues": "0", "Stockholders Equity": "235,745", "Net Income": "28,296", "Comprehensive Net Income": "32,484", "BaseVar": "3,316,305", "ECR before LimitedLiability": "9.3%", "Economic Capital Ratio": "9.5%"}}}, "top_rated": false, "trend": null, "value": 0.09482672235996599, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001025835.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001025835.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001025835.svg"}, {"company_id": "0001277902", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001277902.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001277902.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000000000.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000000000_256x256.png", "name": "MVB Financial CORP", "rank": 70, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001277902.svg", "report_text": "The relative strengths and weaknesses of MVB 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. <br/><br/>The greatest strength of MVB Financial CORP compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 9.1% points.The greatest weakness of MVB Financial CORP is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 32% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 9.4%, being 2.3% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001277902_2013_MVB_Financial_CORP.pdf", "shrinked_graph_json": {"2012": {"Deposits": "4.34", "Liabilities": "-1.45", "Stockholders Equity": "-0.551", "ECR before LimitedLiability": "-2.10", "Other Liabilities": "9.12", "Liabilities and Borrowings": "-32.2", "Long-term Debt": "0.363", "Loans and Leases Receivable": "1.68", "Assets": "0.711", "Cash Deposits and Cash Equivalents": "-1.70", "Other Assets": "2.75", "Assets and Securities": "-3.45", "Goodwill": "1.02", "Expenses": "0.717", "Net Income": "-0.837", "Other Expenses": "0.514", "Other Revenues": "-0.208", "Revenues": "-0.208", "Comprehensive Net Income": "-1.34", "Other Compr. Net Income": "-0.489", "Other Net Income": "-1.38", "Economic Capital Ratio": "-2.30"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001277902_strength_weakness.svg", "table_records": {"2012": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "25,340", "Deposits": "486,519", "Fees": "0", "Goodwill": "17,622", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "431,899", "Loans and Leases Receivable": "442,367", "Long-term Debt": "4,124", "Occupancy": "0", "Other Assets": "230,086", "Other Compr. Net Income": "-753", "Other Expenses": "1,666", "Other Liabilities": "-263,322", "Other Net Income": "5,834", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "11,354"}, "output_variables": {"Liabilities": "659,220", "Assets": "726,769", "Expenses": "1,666", "Revenues": "0", "Stockholders Equity": "67,549", "Net Income": "4,168", "Comprehensive Net Income": "3,415", "BaseVar": "707,974", "ECR before LimitedLiability": "9.3%", "Economic Capital Ratio": "9.4%"}}}, "top_rated": false, "trend": null, "value": 0.09446067682252215, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001277902.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001277902.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001277902.svg"}, {"company_id": "0001521951", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001521951.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001521951.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001521951.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001521951_256x256.png", "name": "First Business Financial Services INC", "rank": 71, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001521951.svg", "report_text": "The relative strengths and weaknesses of First Business 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. <br/><br/>The greatest strength of First Business Financial Services INC compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 9.3% points.The greatest weakness of First Business Financial Services INC is the variable Other Assets, reducing the Economic Capital Ratio by 17% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 9.3%, being 2.4% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001521951_2013_First_Business_Financial_Services_INC.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "0.809", "Liabilities": "-3.04", "Stockholders Equity": "-4.06", "Other Liabilities": "-20.9", "Liabilities and Borrowings": "7.65", "Deposits": "-11.0", "Other Assets": "-17.2", "Assets": "-1.01", "Goodwill": "-0.783", "Assets and Securities": "5.42", "Loans and Leases Receivable": "6.17", "Cash Deposits and Cash Equivalents": "2.54", "Property, Plant and Equipment": "-1.02", "Expenses": "0.790", "ECR before LimitedLiability": "-4.67", "Labor Expense": "0.0528", "Other Expenses": "0.720", "Other Revenues": "-0.529", "Revenues": "-0.529", "Other Net Income": "-0.333", "Economic Capital Ratio": "-4.92"}, "2012": {"Deposits": "-12.9", "Liabilities": "-1.42", "Loans and Leases Receivable": "7.40", "Stockholders Equity": "-1.54", "ECR before LimitedLiability": "-2.21", "Other Liabilities": "-14.6", "Liabilities and Borrowings": "9.29", "Long-term Debt": "0.788", "Expenses": "0.199", "Net Income": "-0.322", "Other Revenues": "-0.208", "Revenues": "-0.208", "Cash Deposits and Cash Equivalents": "0.679", "Property, Plant and Equipment": "-1.08", "Other Assets": "-16.9", "Assets and Securities": "7.19", "Goodwill": "-0.640", "Comprehensive Net Income": "-0.537", "Other Net Income": "-0.315", "Other Compr. Net Income": "-0.212", "Economic Capital Ratio": "-2.41"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001521951_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "187,123", "Cash Deposits and Cash Equivalents": "130,093", "Deposits": "1,051,312", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "11,032", "Loans and Leases Receivable": "836,687", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "22,263", "Other Compr. Net Income": "699", "Other Expenses": "3,449", "Other Liabilities": "50,607", "Other Net Income": "11,874", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "999"}, "output_variables": {"Liabilities": "1,112,951", "Assets": "1,177,165", "Expenses": "3,449", "Revenues": "0", "Stockholders Equity": "64,214", "Net Income": "8,425", "Comprehensive Net Income": "9,124", "BaseVar": "1,174,138", "ECR before LimitedLiability": "7.2%", "Economic Capital Ratio": "7.7%"}}, "2012": {"input_variables": {"Assets and Securities": "218,004", "Cash Deposits and Cash Equivalents": "85,586", "Deposits": "1,092,254", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "11,595", "Loans and Leases Receivable": "896,560", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "24,990", "Other Compr. Net Income": "-308", "Other Expenses": "4,750", "Other Liabilities": "22,720", "Other Net Income": "13,676", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "968"}, "output_variables": {"Liabilities": "1,126,569", "Assets": "1,226,108", "Expenses": "4,750", "Revenues": "0", "Stockholders Equity": "99,539", "Net Income": "8,926", "Comprehensive Net Income": "8,618", "BaseVar": "1,210,341", "ECR before LimitedLiability": "9.2%", "Economic Capital Ratio": "9.3%"}}}, "top_rated": false, "trend": 3.0, "value": 0.09337505875982055, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001521951.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001521951.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001521951.svg"}, {"company_id": "0000798941", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000798941.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000798941.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000798941.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000798941_256x256.png", "name": "First Citizens Bancshares INC DE", "rank": 72, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000798941.svg", "report_text": "The relative strengths and weaknesses of First Citizens Bancshares INC 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. <br/><br/>The greatest strength of First Citizens Bancshares INC DE compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 9.3% points.The greatest weakness of First Citizens Bancshares INC DE is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 36% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 9.3%, being 2.4% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000798941_2013_First_Citizens_Bancshares_INC_DE.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "-1.69", "Liabilities": "-0.656", "Stockholders Equity": "-1.68", "ECR before LimitedLiability": "-2.05", "Other Liabilities": "10.3", "Liabilities and Borrowings": "-34.2", "Deposits": "-7.00", "Other Assets": "-3.42", "Assets": "-0.976", "Goodwill": "-0.547", "Assets and Securities": "-1.90", "Loans and Leases Receivable": "4.96", "Cash Deposits and Cash Equivalents": "-2.55", "Property, Plant and Equipment": "1.66", "Other Revenues": "-0.625", "Revenues": "-0.625", "Net Income": "0.753", "Other Net Income": "1.29", "Labor Expense": "0.0634", "Economic Capital Ratio": "-2.31", "Other Compr. Net Income": "-0.762"}, "2012": {"Deposits": "-9.56", "Liabilities": "-1.50", "Stockholders Equity": "-0.991", "ECR before LimitedLiability": "-2.21", "Other Liabilities": "9.33", "Liabilities and Borrowings": "-36.4", "Long-term Debt": "-0.830", "Loans and Leases Receivable": "1.80", "Assets": "0.360", "Cash Deposits and Cash Equivalents": "-2.06", "Property, Plant and Equipment": "1.66", "Other Assets": "-0.225", "Assets and Securities": "-0.739", "Goodwill": "-0.300", "Expenses": "0.546", "Net Income": "-0.641", "Other Expenses": "0.342", "Comprehensive Net Income": "-1.03", "Other Compr. Net Income": "-0.379", "Other Net Income": "-1.00", "Economic Capital Ratio": "-2.42"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000798941_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "721,405", "Cash Deposits and Cash Equivalents": "590,801", "Deposits": "17,577,274", "Fees": "0", "Goodwill": "102,625", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "13,385,838", "Loans and Leases Receivable": "13,673,645", "Long-term Debt": "687,599", "Occupancy": "0", "Other Assets": "4,938,541", "Other Compr. Net Income": "-30,045", "Other Expenses": "115,103", "Other Liabilities": "-12,630,346", "Other Net Income": "310,131", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "854,476"}, "output_variables": {"Liabilities": "19,020,365", "Assets": "20,881,493", "Expenses": "115,103", "Revenues": "0", "Stockholders Equity": "1,861,128", "Net Income": "195,028", "Comprehensive Net Income": "164,983", "BaseVar": "20,777,260", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2012": {"input_variables": {"Assets and Securities": "810,790", "Cash Deposits and Cash Equivalents": "639,730", "Deposits": "18,086,025", "Fees": "0", "Goodwill": "102,625", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "13,418,878", "Loans and Leases Receivable": "13,066,332", "Long-term Debt": "444,921", "Occupancy": "0", "Other Assets": "5,781,407", "Other Compr. Net Income": "-15,532", "Other Expenses": "59,822", "Other Liabilities": "-12,530,179", "Other Net Income": "194,170", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "882,768"}, "output_variables": {"Liabilities": "19,419,645", "Assets": "21,283,652", "Expenses": "59,822", "Revenues": "0", "Stockholders Equity": "1,864,007", "Net Income": "134,348", "Comprehensive Net Income": "118,816", "BaseVar": "20,840,835", "ECR before LimitedLiability": "9.2%", "Economic Capital Ratio": "9.3%"}}}, "top_rated": false, "trend": -16.0, "value": 0.09334545886773064, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000798941.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000798941.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000798941.svg"}, {"company_id": "0000073124", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000073124.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000073124.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000073124.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000073124_256x256.png", "name": "Northern Trust CORP", "rank": 73, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000073124.svg", "report_text": "The relative strengths and weaknesses of Northern Trust 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. <br/><br/>The greatest strength of Northern Trust CORP compared to the market average is the variable Assets and Securities, increasing the Economic Capital Ratio by 9.3% points.The greatest weakness of Northern Trust CORP is the variable Loans and Leases Receivable, reducing the Economic Capital Ratio by 34% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 9.3%, being 2.5% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000073124_2013_Northern_Trust_CORP.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "0.848", "Liabilities": "-2.63", "Other Assets": "0.808", "Stockholders Equity": "-2.81", "Other Liabilities": "-23.5", "Liabilities and Borrowings": "8.10", "Deposits": "-5.66", "Expenses": "0.854", "Net Income": "-0.358", "Other Expenses": "0.781", "Other Revenues": "-0.549", "Revenues": "-0.549", "ECR before LimitedLiability": "-4.20", "Comprehensive Net Income": "-0.705", "Goodwill": "-0.460", "Assets and Securities": "8.12", "Loans and Leases Receivable": "-33.0", "Cash Deposits and Cash Equivalents": "8.12", "Property, Plant and Equipment": "-0.774", "Other Net Income": "-0.725", "Economic Capital Ratio": "-4.45"}, "2012": {"Deposits": "-7.59", "Liabilities": "-1.77", "Loans and Leases Receivable": "-33.9", "Stockholders Equity": "-1.83", "ECR before LimitedLiability": "-2.28", "Other Liabilities": "-18.5", "Liabilities and Borrowings": "9.15", "Long-term Debt": "0.782", "Expenses": "0.446", "Net Income": "-0.398", "Other Expenses": "0.241", "Other Revenues": "-0.207", "Revenues": "-0.207", "Cash Deposits and Cash Equivalents": "9.24", "Property, Plant and Equipment": "-0.795", "Other Assets": "2.73", "Assets and Securities": "9.26", "Goodwill": "-0.255", "Comprehensive Net Income": "-0.301", "Other Net Income": "-0.651", "Economic Capital Ratio": "-2.49"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000073124_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "35,189,500", "Cash Deposits and Cash Equivalents": "34,460,300", "Deposits": "82,677,500", "Fees": "0", "Goodwill": "532,000", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,877,900", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "29,547,400", "Other Compr. Net Income": "-40,300", "Other Expenses": "280,100", "Other Liabilities": "6,551,000", "Other Net Income": "883,700", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "494,500"}, "output_variables": {"Liabilities": "93,106,400", "Assets": "100,223,700", "Expenses": "280,100", "Revenues": "0", "Stockholders Equity": "7,117,300", "Net Income": "603,600", "Comprehensive Net Income": "563,300", "BaseVar": "98,850,492", "ECR before LimitedLiability": "7.8%", "Economic Capital Ratio": "8.1%"}}, "2012": {"input_variables": {"Assets and Securities": "35,024,500", "Cash Deposits and Cash Equivalents": "30,175,900", "Deposits": "81,407,800", "Fees": "0", "Goodwill": "537,800", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,944,600", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "31,255,700", "Other Compr. Net Income": "62,600", "Other Expenses": "305,000", "Other Liabilities": "5,584,400", "Other Net Income": "992,300", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "469,900"}, "output_variables": {"Liabilities": "89,936,800", "Assets": "97,463,800", "Expenses": "305,000", "Revenues": "0", "Stockholders Equity": "7,527,000", "Net Income": "687,300", "Comprehensive Net Income": "749,900", "BaseVar": "96,168,518", "ECR before LimitedLiability": "9.1%", "Economic Capital Ratio": "9.3%"}}}, "top_rated": false, "trend": 0.0, "value": 0.09261189181702434, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000073124.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000073124.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000073124.svg"}, {"company_id": "0000705432", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000705432.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000705432.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000705432.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000705432_256x256.png", "name": "Southside Bancshares INC", "rank": 74, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000705432.svg", "report_text": "The relative strengths and weaknesses of Southside 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. <br/><br/>The greatest strength of Southside Bancshares INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 9.2% points.The greatest weakness of Southside Bancshares INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 26% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 9.2%, being 2.5% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000705432_2013_Southside_Bancshares_INC.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "-7.52", "Liabilities": "-1.63", "Stockholders Equity": "-2.54", "ECR before LimitedLiability": "-1.36", "Other Liabilities": "10.7", "Liabilities and Borrowings": "-24.6", "Deposits": "4.27", "Other Assets": "11.0", "Assets": "-0.942", "Goodwill": "-0.424", "Assets and Securities": "-3.37", "Loans and Leases Receivable": "-16.5", "Cash Deposits and Cash Equivalents": "-3.63", "Expenses": "0.907", "Revenues": "-0.631", "Net Income": "1.78", "Other Expenses": "0.817", "Other Revenues": "-0.631", "Other Net Income": "1.51", "Comprehensive Net Income": "1.56", "Economic Capital Ratio": "-1.61"}, "2012": {"Deposits": "1.94", "Liabilities": "-0.970", "Assets": "-0.727", "Stockholders Equity": "-1.71", "ECR before LimitedLiability": "-2.31", "Other Liabilities": "9.23", "Liabilities and Borrowings": "-26.4", "Long-term Debt": "-10.9", "Loans and Leases Receivable": "-14.2", "Cash Deposits and Cash Equivalents": "-0.945", "Other Assets": "9.22", "Assets and Securities": "-2.50", "Expenses": "0.714", "Net Income": "0.812", "Other Expenses": "0.511", "Other Revenues": "-0.209", "Revenues": "-0.209", "Comprehensive Net Income": "-0.540", "Other Compr. Net Income": "-1.41", "Other Net Income": "0.307", "Economic Capital Ratio": "-2.52"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000705432_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "45,859", "Cash Deposits and Cash Equivalents": "43,238", "Deposits": "2,321,671", "Fees": "0", "Goodwill": "22,034", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,852,773", "Loans and Leases Receivable": "1,068,690", "Long-term Debt": "321,035", "Occupancy": "0", "Other Assets": "2,073,401", "Other Compr. Net Income": "0", "Other Expenses": "10,394", "Other Liabilities": "-1,450,589", "Other Net Income": "50,885", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "50,595"}, "output_variables": {"Liabilities": "3,044,890", "Assets": "3,303,817", "Expenses": "10,394", "Revenues": "0", "Stockholders Equity": "258,927", "Net Income": "40,491", "Comprehensive Net Income": "40,491", "BaseVar": "3,285,575", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2012": {"input_variables": {"Assets and Securities": "44,724", "Cash Deposits and Cash Equivalents": "150,630", "Deposits": "2,351,897", "Fees": "0", "Goodwill": "22,034", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,793,888", "Loans and Leases Receivable": "1,242,392", "Long-term Debt": "429,408", "Occupancy": "0", "Other Assets": "1,727,548", "Other Compr. Net Income": "-11,783", "Other Expenses": "7,608", "Other Liabilities": "-1,595,553", "Other Net Income": "42,303", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "50,075"}, "output_variables": {"Liabilities": "2,979,640", "Assets": "3,237,403", "Expenses": "7,608", "Revenues": "0", "Stockholders Equity": "257,763", "Net Income": "34,695", "Comprehensive Net Income": "22,912", "BaseVar": "3,220,496", "ECR before LimitedLiability": "9.1%", "Economic Capital Ratio": "9.2%"}}}, "top_rated": false, "trend": -26.0, "value": 0.09234033249673516, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000705432.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000705432.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000705432.svg"}, {"company_id": "0000879635", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000879635.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000879635.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000879635.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000879635_256x256.png", "name": "MID PENN Bancorp INC", "rank": 75, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000879635.svg", "report_text": "The relative strengths and weaknesses of MID PENN 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. <br/><br/>The greatest strength of MID PENN Bancorp INC compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 8.9% points.The greatest weakness of MID PENN Bancorp INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 16% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 9.0%, being 2.8% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000879635_2013_MID_PENN_Bancorp_INC.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "0.885", "Liabilities": "-2.85", "Other Assets": "-2.40", "Stockholders Equity": "-2.55", "Other Liabilities": "-20.1", "Liabilities and Borrowings": "8.62", "Deposits": "-12.0", "Expenses": "1.21", "Net Income": "-0.249", "Other Expenses": "1.13", "Other Revenues": "-0.567", "Revenues": "-0.567", "ECR before LimitedLiability": "-3.70", "Comprehensive Net Income": "-0.467", "Goodwill": "-0.734", "Assets and Securities": "-3.72", "Loans and Leases Receivable": "5.88", "Property, Plant and Equipment": "0.121", "Other Net Income": "-0.990", "Other Compr. Net Income": "-0.215", "Economic Capital Ratio": "-3.95"}, "2012": {"Deposits": "-12.7", "Liabilities": "-2.29", "Loans and Leases Receivable": "5.26", "Stockholders Equity": "-2.02", "ECR before LimitedLiability": "-2.57", "Other Liabilities": "-15.8", "Liabilities and Borrowings": "8.94", "Long-term Debt": "0.762", "Expenses": "0.869", "Net Income": "-0.392", "Other Expenses": "0.675", "Other Revenues": "-0.202", "Revenues": "-0.202", "Cash Deposits and Cash Equivalents": "-0.279", "Property, Plant and Equipment": "0.154", "Other Assets": "-2.47", "Assets and Securities": "-3.03", "Goodwill": "-0.526", "Comprehensive Net Income": "-0.332", "Other Net Income": "-1.11", "Economic Capital Ratio": "-2.78"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000879635_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "4,565", "Cash Deposits and Cash Equivalents": "45,318", "Deposits": "634,055", "Fees": "0", "Goodwill": "1,016", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,111", "Loans and Leases Receivable": "475,945", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "175,215", "Other Compr. Net Income": "0", "Other Expenses": "1,223", "Other Liabilities": "23,765", "Other Net Income": "5,766", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "13,324"}, "output_variables": {"Liabilities": "661,931", "Assets": "715,383", "Expenses": "1,223", "Revenues": "0", "Stockholders Equity": "53,452", "Net Income": "4,543", "Comprehensive Net Income": "4,543", "BaseVar": "701,342", "ECR before LimitedLiability": "8.4%", "Economic Capital Ratio": "8.6%"}}, "2012": {"input_variables": {"Assets and Securities": "3,833", "Cash Deposits and Cash Equivalents": "39,036", "Deposits": "625,461", "Fees": "0", "Goodwill": "1,016", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,389", "Loans and Leases Receivable": "478,711", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "169,481", "Other Compr. Net Income": "377", "Other Expenses": "1,244", "Other Liabilities": "23,130", "Other Net Income": "6,195", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "13,123"}, "output_variables": {"Liabilities": "652,980", "Assets": "705,200", "Expenses": "1,244", "Revenues": "0", "Stockholders Equity": "52,220", "Net Income": "4,951", "Comprehensive Net Income": "5,328", "BaseVar": "693,276", "ECR before LimitedLiability": "8.8%", "Economic Capital Ratio": "9.0%"}}}, "top_rated": false, "trend": -5.0, "value": 0.08973202734254977, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000879635.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000879635.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000879635.svg"}, {"company_id": "0000731653", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000731653.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000731653.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000731653.jpg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000731653_256x256.png", "name": "United Bancorp INC OH", "rank": 76, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000731653.svg", "report_text": "The relative strengths and weaknesses of United Bancorp INC OH 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. <br/><br/>The greatest strength of United Bancorp INC OH compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 8.8% points.The greatest weakness of United Bancorp INC OH is the variable Other Liabilities, reducing the Economic Capital Ratio by 25% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 8.9%, being 2.9% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000731653_2013_United_Bancorp_INC_OH.pdf", "shrinked_graph_json": {"2012": {"Deposits": "-5.19", "Liabilities": "-2.23", "Stockholders Equity": "-1.22", "ECR before LimitedLiability": "-2.68", "Other Liabilities": "-24.8", "Liabilities and Borrowings": "8.84", "Long-term Debt": "0.752", "Loans and Leases Receivable": "5.09", "Assets": "0.735", "Cash Deposits and Cash Equivalents": "6.62", "Property, Plant and Equipment": "0.499", "Other Assets": "-9.81", "Assets and Securities": "-3.14", "Goodwill": "-0.618", "Expenses": "1.01", "Net Income": "-0.900", "Other Expenses": "0.825", "Comprehensive Net Income": "-1.16", "Other Compr. Net Income": "-0.249", "Other Net Income": "-1.81", "Economic Capital Ratio": "-2.89"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000731653_strength_weakness.svg", "table_records": {"2012": {"input_variables": {"Assets and Securities": "1,544", "Cash Deposits and Cash Equivalents": "75,108", "Deposits": "350,416", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "293,774", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "57,543", "Other Compr. Net Income": "-167", "Other Expenses": "546", "Other Liabilities": "51,312", "Other Net Income": "2,944", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "10,385"}, "output_variables": {"Liabilities": "401,728", "Assets": "438,354", "Expenses": "546", "Revenues": "0", "Stockholders Equity": "36,626", "Net Income": "2,398", "Comprehensive Net Income": "2,231", "BaseVar": "426,678", "ECR before LimitedLiability": "8.6%", "Economic Capital Ratio": "8.9%"}}}, "top_rated": false, "trend": null, "value": 0.08860850060236423, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000731653.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000731653.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000731653.svg"}, {"company_id": "0000763563", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000763563.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000763563.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000763563.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000763563_256x256.png", "name": "Chemung Financial CORP", "rank": 77, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000763563.svg", "report_text": "The relative strengths and weaknesses of Chemung 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. <br/><br/>The greatest strength of Chemung Financial CORP compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 8.4% points.The greatest weakness of Chemung Financial CORP is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 33% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 8.4%, being 3.3% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000763563_2013_Chemung_Financial_CORP.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.05", "Liabilities": "-0.512", "Other Assets": "-2.21", "Stockholders Equity": "-0.449", "ECR before LimitedLiability": "-1.04", "Other Liabilities": "11.3", "Liabilities and Borrowings": "-32.1", "Deposits": "-6.17", "Expenses": "0.538", "Net Income": "0.573", "Other Expenses": "0.446", "Other Revenues": "-0.635", "Revenues": "-0.635", "Goodwill": "0.413", "Assets and Securities": "-2.85", "Loans and Leases Receivable": "5.29", "Cash Deposits and Cash Equivalents": "-1.42", "Property, Plant and Equipment": "0.260", "Other Net Income": "0.662", "Economic Capital Ratio": "-1.30", "Other Compr. Net Income": "-0.718"}, "2012": {"Deposits": "-6.97", "Liabilities": "1.06", "Stockholders Equity": "0.161", "ECR before LimitedLiability": "-3.14", "Other Liabilities": "8.41", "Liabilities and Borrowings": "-32.7", "Long-term Debt": "0.748", "Loans and Leases Receivable": "6.21", "Assets": "-0.873", "Cash Deposits and Cash Equivalents": "-1.93", "Property, Plant and Equipment": "0.254", "Other Assets": "-5.09", "Assets and Securities": "-2.41", "Goodwill": "0.526", "Other Revenues": "-0.201", "Revenues": "-0.201", "Net Income": "0.174", "Comprehensive Net Income": "-3.48", "Other Compr. Net Income": "-3.68", "Other Net Income": "0.309", "Economic Capital Ratio": "-3.34"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000763563_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "25,454", "Cash Deposits and Cash Equivalents": "52,902", "Deposits": "998,493", "Fees": "0", "Goodwill": "21,984", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "749,102", "Loans and Leases Receivable": "787,256", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "303,902", "Other Compr. Net Income": "-1,544", "Other Expenses": "5,033", "Other Liabilities": "-657,265", "Other Net Income": "15,571", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "24,762"}, "output_variables": {"Liabilities": "1,090,330", "Assets": "1,216,260", "Expenses": "5,033", "Revenues": "0", "Stockholders Equity": "125,929", "Net Income": "10,538", "Comprehensive Net Income": "8,994", "BaseVar": "1,193,493", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2012": {"input_variables": {"Assets and Securities": "18,468", "Cash Deposits and Cash Equivalents": "40,241", "Deposits": "1,044,734", "Fees": "0", "Goodwill": "21,824", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "756,046", "Loans and Leases Receivable": "883,084", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "259,057", "Other Compr. Net Income": "-12,388", "Other Expenses": "5,384", "Other Liabilities": "-683,735", "Other Net Income": "16,407", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "25,484"}, "output_variables": {"Liabilities": "1,117,045", "Assets": "1,248,160", "Expenses": "5,384", "Revenues": "0", "Stockholders Equity": "131,115", "Net Income": "11,022", "Comprehensive Net Income": "-1,366", "BaseVar": "1,244,637", "ECR before LimitedLiability": "8.1%", "Economic Capital Ratio": "8.4%"}}}, "top_rated": false, "trend": -35.0, "value": 0.0840564379956941, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000763563.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000763563.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000763563.svg"}, {"company_id": "0001275101", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001275101.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001275101.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001275101.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001275101_256x256.png", "name": "BANK OF THE James Financial Group INC", "rank": 78, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001275101.svg", "report_text": "The relative strengths and weaknesses of BANK OF THE James 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. <br/><br/>The greatest strength of BANK OF THE James Financial Group INC compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 8.0% points.The greatest weakness of BANK OF THE James Financial Group INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 15% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 8.0%, being 3.7% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001275101_2013_BANK_OF_THE_James_Financial_Group_INC.pdf", "shrinked_graph_json": {"2012": {"Deposits": "-14.2", "Liabilities": "-2.80", "Loans and Leases Receivable": "6.48", "Stockholders Equity": "-2.44", "Other Liabilities": "-14.9", "Liabilities and Borrowings": "8.03", "Long-term Debt": "0.699", "Expenses": "0.953", "Net Income": "-1.08", "Other Expenses": "0.779", "Other Revenues": "-0.189", "Revenues": "-0.189", "ECR before LimitedLiability": "-3.50", "Comprehensive Net Income": "-0.735", "Cash Deposits and Cash Equivalents": "1.93", "Other Assets": "-7.91", "Assets and Securities": "-3.06", "Goodwill": "-0.589", "Other Compr. Net Income": "0.322", "Other Net Income": "-1.98", "Economic Capital Ratio": "-3.70"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001275101_strength_weakness.svg", "table_records": {"2012": {"input_variables": {"Assets and Securities": "1,467", "Cash Deposits and Cash Equivalents": "40,998", "Deposits": "399,015", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "683", "Loans and Leases Receivable": "319,922", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "70,654", "Other Compr. Net Income": "622", "Other Expenses": "543", "Other Liabilities": "12,070", "Other Net Income": "2,675", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "8,340"}, "output_variables": {"Liabilities": "411,768", "Assets": "441,381", "Expenses": "543", "Revenues": "0", "Stockholders Equity": "29,613", "Net Income": "2,132", "Comprehensive Net Income": "2,754", "BaseVar": "433,544", "ECR before LimitedLiability": "7.7%", "Economic Capital Ratio": "8.0%"}}}, "top_rated": false, "trend": null, "value": 0.08044671435566376, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001275101.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001275101.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001275101.svg"}, {"company_id": "0000906465", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000906465.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000906465.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000906465.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000906465_256x256.png", "name": "QCR Holdings INC", "rank": 79, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000906465.svg", "report_text": "The relative strengths and weaknesses of QCR 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. <br/><br/>The greatest strength of QCR Holdings INC compared to the market average is the variable Assets and Securities, increasing the Economic Capital Ratio by 8.0% points.The greatest weakness of QCR Holdings INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 23% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 8.0%, being 3.7% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000906465_2013_QCR_Holdings_INC.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "0.845", "Liabilities": "-2.93", "Other Assets": "-15.3", "Stockholders Equity": "-2.58", "Other Liabilities": "1.26", "Liabilities and Borrowings": "-19.2", "Deposits": "6.45", "Expenses": "1.08", "Net Income": "-0.629", "Other Expenses": "1.01", "Other Revenues": "-0.547", "Revenues": "-0.547", "Comprehensive Net Income": "-0.846", "ECR before LimitedLiability": "-4.18", "Goodwill": "-0.697", "Assets and Securities": "8.12", "Loans and Leases Receivable": "2.03", "Cash Deposits and Cash Equivalents": "-1.47", "Other Net Income": "-1.28", "Other Compr. Net Income": "-0.207", "Economic Capital Ratio": "-4.43"}, "2012": {"Deposits": "5.37", "Liabilities": "-2.53", "Loans and Leases Receivable": "0.910", "Stockholders Equity": "-2.46", "Other Liabilities": "5.82", "Liabilities and Borrowings": "-22.6", "Long-term Debt": "0.701", "Expenses": "0.689", "Revenues": "-0.189", "Net Income": "-0.619", "Labor Expense": "0.127", "Other Expenses": "0.509", "Other Revenues": "-0.189", "ECR before LimitedLiability": "-3.50", "Cash Deposits and Cash Equivalents": "-1.27", "Other Assets": "-15.4", "Assets and Securities": "8.04", "Goodwill": "-0.491", "Comprehensive Net Income": "-0.746", "Other Net Income": "-1.18", "Economic Capital Ratio": "-3.71"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000906465_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "573,174", "Cash Deposits and Cash Equivalents": "79,887", "Deposits": "1,205,458", "Fees": "0", "Goodwill": "3,223", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,010,622", "Loans and Leases Receivable": "1,181,956", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "96,629", "Other Compr. Net Income": "0", "Other Expenses": "3,868", "Other Liabilities": "-393,903", "Other Net Income": "13,998", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "31,741"}, "output_variables": {"Liabilities": "1,822,177", "Assets": "1,966,610", "Expenses": "3,868", "Revenues": "0", "Stockholders Equity": "144,433", "Net Income": "10,130", "Comprehensive Net Income": "10,130", "BaseVar": "1,926,821", "ECR before LimitedLiability": "7.8%", "Economic Capital Ratio": "8.1%"}}, "2012": {"input_variables": {"Assets and Securities": "615,972", "Cash Deposits and Cash Equivalents": "83,928", "Deposits": "1,374,114", "Fees": "0", "Goodwill": "3,223", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,093,119", "Loans and Leases Receivable": "1,267,462", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "91,883", "Other Compr. Net Income": "-48", "Other Expenses": "4,535", "Other Liabilities": "-513,936", "Other Net Income": "17,641", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "31,262"}, "output_variables": {"Liabilities": "1,953,297", "Assets": "2,093,730", "Expenses": "4,535", "Revenues": "0", "Stockholders Equity": "140,434", "Net Income": "13,106", "Comprehensive Net Income": "13,058", "BaseVar": "2,063,849", "ECR before LimitedLiability": "7.7%", "Economic Capital Ratio": "8.0%"}}}, "top_rated": false, "trend": -7.0, "value": 0.0804257087510295, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000906465.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000906465.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000906465.svg"}, {"company_id": "0000036270", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000036270.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000036270.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000036270.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000036270_256x256.png", "name": "M T BANK CORP", "rank": 80, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000036270.svg", "report_text": "The relative strengths and weaknesses of M T BANK 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. <br/><br/>The greatest strength of M T BANK CORP compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 8.0% points.The greatest weakness of M T BANK CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 157% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 8.0%, being 3.7% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000036270_2013_M_T_BANK_CORP.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "-6.80", "Liabilities": "0.533", "Stockholders Equity": "0.828", "ECR before LimitedLiability": "1.68", "Other Liabilities": "-17.9", "Liabilities and Borrowings": "13.6", "Deposits": "-1.15", "Other Assets": "-12.1", "Assets": "0.308", "Goodwill": "2.46", "Assets and Securities": "0.480", "Loans and Leases Receivable": "12.1", "Cash Deposits and Cash Equivalents": "-3.06", "Property, Plant and Equipment": "-0.684", "Expenses": "0.341", "Net Income": "1.51", "Other Revenues": "-0.652", "Revenues": "-0.652", "Other Net Income": "1.82", "Comprehensive Net Income": "1.26", "Economic Capital Ratio": "1.42"}, "2012": {"Deposits": "8.01", "Liabilities": "-0.730", "Stockholders Equity": "1.57", "Other Liabilities": "-157", "Liabilities and Borrowings": "7.95", "Long-term Debt": "-3.67", "Loans and Leases Receivable": "7.98", "Assets": "2.06", "ECR before LimitedLiability": "-3.53", "Cash Deposits and Cash Equivalents": "-2.19", "Property, Plant and Equipment": "-0.563", "Other Assets": "-13.2", "Assets and Securities": "0.763", "Goodwill": "1.99", "Expenses": "-0.661", "Revenues": "-0.187", "Net Income": "-5.14", "Other Expenses": "-0.861", "Other Revenues": "-0.187", "Comprehensive Net Income": "-5.27", "Other Net Income": "-4.15", "Economic Capital Ratio": "-3.74"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000036270_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "5,173,607", "Cash Deposits and Cash Equivalents": "1,604,507", "Deposits": "59,394,649", "Fees": "0", "Goodwill": "3,524,625", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,522,180", "Loans and Leases Receivable": "59,187,715", "Long-term Debt": "6,686,226", "Occupancy": "0", "Other Assets": "7,852,398", "Other Compr. Net Income": "0", "Other Expenses": "365,121", "Other Liabilities": "50,023", "Other Net Income": "1,224,600", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "581,435"}, "output_variables": {"Liabilities": "68,653,078", "Assets": "77,924,287", "Expenses": "365,121", "Revenues": "0", "Stockholders Equity": "9,271,209", "Net Income": "859,479", "Comprehensive Net Income": "859,479", "BaseVar": "76,174,026", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2012": {"input_variables": {"Assets and Securities": "4,937,745", "Cash Deposits and Cash Equivalents": "2,113,560", "Deposits": "0", "Fees": "0", "Goodwill": "3,524,625", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,587,199", "Loans and Leases Receivable": "65,645,097", "Long-term Debt": "4,607,758", "Occupancy": "0", "Other Assets": "6,193,124", "Other Compr. Net Income": "0", "Other Expenses": "523,028", "Other Liabilities": "65,611,253", "Other Net Income": "0", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "594,652"}, "output_variables": {"Liabilities": "72,806,210", "Assets": "83,008,803", "Expenses": "523,028", "Revenues": "0", "Stockholders Equity": "10,202,593", "Net Income": "-523,028", "Comprehensive Net Income": "-523,028", "BaseVar": "78,856,802", "ECR before LimitedLiability": "7.6%", "Economic Capital Ratio": "8.0%"}}}, "top_rated": false, "trend": -62.0, "value": 0.08009766146064512, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000036270.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000036270.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000036270.svg"}, {"company_id": "0000857855", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000857855.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000857855.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000857855.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000857855_256x256.png", "name": "United Community Banks INC", "rank": 81, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000857855.svg", "report_text": "The relative strengths and weaknesses of United Community Banks 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. <br/><br/>The greatest strength of United Community Banks INC compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 8.0% points.The greatest weakness of United Community Banks INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 15% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 8.0%, being 3.8% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000857855_2013_United_Community_Banks_INC.pdf", "shrinked_graph_json": {"2011": {"Liabilities": "0.387", "Stockholders Equity": "-0.862", "Other Liabilities": "-11.9", "Liabilities and Borrowings": "0.825", "Deposits": "-2.23", "Other Assets": "0.573", "Assets": "-1.30", "Goodwill": "-0.342", "Assets and Securities": "-1.10", "Loans and Leases Receivable": "-0.684", "Cash Deposits and Cash Equivalents": "-0.316", "Other Noninterest Expense": "-0.308", "Expenses": "-5.95", "Revenues": "0.263", "Net Income": "-8.77", "Labor Expense": "-1.42", "Other Expenses": "-1.25", "Other Revenues": "0.263", "ECR before LimitedLiability": "-11.5", "Other Net Income": "-1.32", "Comprehensive Net Income": "-9.01", "Economic Capital Ratio": "-11.8"}, "2012": {"Deposits": "-5.10", "Liabilities": "3.71", "Stockholders Equity": "-1.76", "ECR before LimitedLiability": "-3.55", "Other Liabilities": "-15.0", "Liabilities and Borrowings": "7.99", "Loans and Leases Receivable": "-2.97", "Assets": "-6.14", "Cash Deposits and Cash Equivalents": "-1.86", "Other Assets": "1.98", "Assets and Securities": "-3.27", "Expenses": "-8.27", "Net Income": "-1.30", "Labor Expense": "-4.83", "Other Expenses": "-0.974", "Other Revenues": "6.79", "Revenues": "6.79", "Comprehensive Net Income": "-2.49", "Other Compr. Net Income": "-1.11", "Other Net Income": "-4.62", "Economic Capital Ratio": "-3.75"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000857855_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "150,514", "Cash Deposits and Cash Equivalents": "378,416", "Deposits": "6,097,983", "Fees": "9,727", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "100,095", "Liabilities and Borrowings": "46,524", "Loans and Leases Receivable": "3,995,146", "Long-term Debt": "120,225", "Occupancy": "15,645", "Other Assets": "2,284,256", "Other Compr. Net Income": "0", "Other Expenses": "113,879", "Other Liabilities": "143,202", "Other Net Income": "0", "Other Noninterest Expense": "18,270", "Other Revenues": "30,870", "Property, Plant and Equipment": "175,088"}, "output_variables": {"Liabilities": "6,407,934", "Assets": "6,983,420", "Expenses": "257,616", "Revenues": "30,870", "Stockholders Equity": "575,486", "Net Income": "-226,746", "Comprehensive Net Income": "-226,746", "BaseVar": "7,219,279", "ECR before LimitedLiability": "-5.7%", "Economic Capital Ratio": "0.82%"}}, "2012": {"input_variables": {"Assets and Securities": "34,954", "Cash Deposits and Cash Equivalents": "251,149", "Deposits": "5,952,140", "Fees": "8,792", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "96,026", "Liabilities and Borrowings": "51,210", "Loans and Leases Receivable": "4,067,871", "Long-term Debt": "124,805", "Occupancy": "14,304", "Other Assets": "2,279,365", "Other Compr. Net Income": "-20,331", "Other Expenses": "48,751", "Other Liabilities": "92,699", "Other Net Income": "0", "Other Noninterest Expense": "19,951", "Other Revenues": "221,680", "Property, Plant and Equipment": "168,920"}, "output_variables": {"Liabilities": "6,220,854", "Assets": "6,802,259", "Expenses": "187,824", "Revenues": "221,680", "Stockholders Equity": "581,405", "Net Income": "33,856", "Comprehensive Net Income": "13,525", "BaseVar": "7,291,707", "ECR before LimitedLiability": "7.6%", "Economic Capital Ratio": "8.0%"}}}, "top_rated": false, "trend": -3.0, "value": 0.07995230409609731, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000857855.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000857855.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000857855.svg"}, {"company_id": "0000719402", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000719402.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000719402.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000719402.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000719402_256x256.png", "name": "First National CORP VA", "rank": 82, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000719402.svg", "report_text": "The relative strengths and weaknesses of First National CORP VA 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. <br/><br/>The greatest strength of First National CORP VA compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 7.8% points.The greatest weakness of First National CORP VA is the variable Other Liabilities, reducing the Economic Capital Ratio by 14% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 7.8%, being 3.9% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000719402_2013_First_National_CORP_VA.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "0.301", "Liabilities": "-0.291", "Stockholders Equity": "-1.45", "Other Liabilities": "-13.7", "Liabilities and Borrowings": "1.95", "Deposits": "-5.00", "Other Assets": "-4.23", "Assets": "-0.291", "Goodwill": "-0.216", "Assets and Securities": "-1.70", "Loans and Leases Receivable": "1.94", "Cash Deposits and Cash Equivalents": "-0.173", "Property, Plant and Equipment": "0.489", "Other Revenues": "-0.151", "Revenues": "-0.151", "Net Income": "-6.54", "Other Net Income": "-5.57", "ECR before LimitedLiability": "-10.4", "Comprehensive Net Income": "-6.76", "Other Expenses": "-0.145", "Economic Capital Ratio": "-10.6"}, "2012": {"Deposits": "-11.7", "Liabilities": "-1.54", "Stockholders Equity": "-1.15", "Other Liabilities": "-14.0", "Liabilities and Borrowings": "7.82", "Long-term Debt": "0.690", "Loans and Leases Receivable": "5.72", "Assets": "0.258", "ECR before LimitedLiability": "-3.69", "Property, Plant and Equipment": "1.11", "Other Assets": "-4.96", "Assets and Securities": "-2.69", "Goodwill": "-0.584", "Expenses": "0.776", "Net Income": "-0.930", "Other Expenses": "0.601", "Other Revenues": "-0.187", "Revenues": "-0.187", "Comprehensive Net Income": "-2.25", "Other Compr. Net Income": "-1.24", "Other Net Income": "-1.61", "Economic Capital Ratio": "-3.90"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000719402_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "7,731", "Cash Deposits and Cash Equivalents": "29,524", "Deposits": "469,172", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "23,517", "Loans and Leases Receivable": "379,503", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "102,708", "Other Compr. Net Income": "0", "Other Expenses": "3,835", "Other Liabilities": "9,279", "Other Net Income": "-7,126", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "19,598"}, "output_variables": {"Liabilities": "501,968", "Assets": "539,064", "Expenses": "3,835", "Revenues": "0", "Stockholders Equity": "37,096", "Net Income": "-10,961", "Comprehensive Net Income": "-10,961", "BaseVar": "540,410", "ECR before LimitedLiability": "-2.2%", "Economic Capital Ratio": "2.0%"}}, "2012": {"input_variables": {"Assets and Securities": "4,565", "Cash Deposits and Cash Equivalents": "31,028", "Deposits": "466,917", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "11,612", "Loans and Leases Receivable": "370,519", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "107,996", "Other Compr. Net Income": "-1,850", "Other Expenses": "965", "Other Liabilities": "9,279", "Other Net Income": "3,765", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "18,589"}, "output_variables": {"Liabilities": "487,808", "Assets": "532,697", "Expenses": "965", "Revenues": "0", "Stockholders Equity": "44,889", "Net Income": "2,800", "Comprehensive Net Income": "950", "BaseVar": "522,195", "ECR before LimitedLiability": "7.4%", "Economic Capital Ratio": "7.8%"}}}, "top_rated": false, "trend": -6.0, "value": 0.07848185675211711, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000719402.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000719402.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000719402.svg"}, {"company_id": "0001163389", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001163389.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001163389.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001163389.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001163389_256x256.png", "name": "NEW Peoples Bankshares INC", "rank": 83, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001163389.svg", "report_text": "The relative strengths and weaknesses of NEW Peoples 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. <br/><br/>The greatest strength of NEW Peoples Bankshares INC compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 3.3% points.The greatest weakness of NEW Peoples Bankshares INC is the variable Deposits, reducing the Economic Capital Ratio by 12% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 3.3%, being 8.4% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001163389_2013_NEW_Peoples_Bankshares_INC.pdf", "shrinked_graph_json": {"2012": {"Deposits": "-11.6", "Liabilities": "-2.43", "Stockholders Equity": "-2.59", "Other Liabilities": "-4.94", "Liabilities and Borrowings": "3.33", "Long-term Debt": "0.748", "Loans and Leases Receivable": "3.05", "Assets": "-0.277", "Cash Deposits and Cash Equivalents": "2.19", "Property, Plant and Equipment": "1.16", "Other Assets": "-9.39", "Assets and Securities": "-2.46", "Goodwill": "-0.578", "Expenses": "0.362", "Net Income": "-4.58", "Other Revenues": "-0.186", "Revenues": "-0.186", "ECR before LimitedLiability": "-8.19", "Comprehensive Net Income": "-4.62", "Other Net Income": "-4.73", "Economic Capital Ratio": "-8.40"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001163389_strength_weakness.svg", "table_records": {"2012": {"input_variables": {"Assets and Securities": "2,799", "Cash Deposits and Cash Equivalents": "94,109", "Deposits": "652,850", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "68,665", "Loans and Leases Receivable": "505,553", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "85,364", "Other Compr. Net Income": "158", "Other Expenses": "2,405", "Other Liabilities": "-42,366", "Other Net Income": "-3,919", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "31,190"}, "output_variables": {"Liabilities": "679,149", "Assets": "719,015", "Expenses": "2,405", "Revenues": "0", "Stockholders Equity": "39,866", "Net Income": "-6,324", "Comprehensive Net Income": "-6,166", "BaseVar": "710,847", "ECR before LimitedLiability": "1.2%", "Economic Capital Ratio": "3.3%"}}}, "top_rated": false, "trend": null, "value": 0.03348486550090826, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001163389.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001163389.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001163389.svg"}, {"company_id": "0001290476", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0001290476.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0001290476.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001290476.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001290476_256x256.png", "name": "Village Bank Trust Financial Corp", "rank": 84, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0001290476.svg", "report_text": "The relative strengths and weaknesses of Village Bank Trust 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. <br/><br/>The greatest strength of Village Bank Trust Financial Corp compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 1.5% points.The greatest weakness of Village Bank Trust Financial Corp is the variable Other Liabilities, reducing the Economic Capital Ratio by 15% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 1.5%, being 10% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0001290476_2013_Village_Bank_Trust_Financial_Corp.pdf", "shrinked_graph_json": {"2012": {"Deposits": "-3.49", "Liabilities": "-0.613", "Stockholders Equity": "-1.41", "Other Liabilities": "-14.6", "Liabilities and Borrowings": "1.46", "Long-term Debt": "0.282", "Loans and Leases Receivable": "1.33", "Assets": "-0.651", "Cash Deposits and Cash Equivalents": "-0.720", "Property, Plant and Equipment": "0.862", "Other Assets": "-1.36", "Assets and Securities": "-0.719", "Goodwill": "-0.253", "Expenses": "-0.403", "Revenues": "-0.0780", "Net Income": "-6.02", "Other Expenses": "-0.468", "Other Revenues": "-0.0780", "ECR before LimitedLiability": "-10.1", "Comprehensive Net Income": "-6.13", "Other Net Income": "-4.92", "Economic Capital Ratio": "-10.3"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0001290476_strength_weakness.svg", "table_records": {"2012": {"input_variables": {"Assets and Securities": "8,453", "Cash Deposits and Cash Equivalents": "13,945", "Deposits": "436,323", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "6,272", "Loans and Leases Receivable": "344,890", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "116,983", "Other Compr. Net Income": "0", "Other Expenses": "4,055", "Other Liabilities": "42,527", "Other Net Income": "-6,344", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "25,815"}, "output_variables": {"Liabilities": "485,123", "Assets": "510,087", "Expenses": "4,055", "Revenues": "0", "Stockholders Equity": "24,965", "Net Income": "-10,399", "Comprehensive Net Income": "-10,399", "BaseVar": "516,479", "ECR before LimitedLiability": "-3.7%", "Economic Capital Ratio": "1.5%"}}}, "top_rated": false, "trend": null, "value": 0.014634526377683253, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0001290476.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0001290476.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0001290476.svg"}, {"company_id": "0000826154", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution_0000826154.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2012/graphs/IME_0000826154.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000826154.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000826154_256x256.png", "name": "Orrstown Financial Services INC", "rank": 85, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_0000826154.svg", "report_text": "The relative strengths and weaknesses of Orrstown 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. <br/><br/>The greatest strength of Orrstown Financial Services INC compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 0.54% points.The greatest weakness of Orrstown Financial Services INC is the variable Comprehensive Net Income, reducing the Economic Capital Ratio by 8.7% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 0.54%, being 11% points below the market average of 12%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2012/report/0000826154_2013_Orrstown_Financial_Services_INC.pdf", "shrinked_graph_json": {"2012": {"Deposits": "-3.16", "Liabilities": "0.102", "Stockholders Equity": "-0.823", "Other Liabilities": "-6.88", "Liabilities and Borrowings": "0.543", "Long-term Debt": "-0.411", "Loans and Leases Receivable": "-1.37", "Assets": "-1.02", "Cash Deposits and Cash Equivalents": "0.517", "Property, Plant and Equipment": "0.0860", "Other Assets": "-0.236", "Assets and Securities": "-0.725", "Goodwill": "-0.202", "Expenses": "-0.172", "Net Income": "-7.93", "Other Expenses": "-0.239", "ECR before LimitedLiability": "-11.0", "Comprehensive Net Income": "-8.66", "Other Compr. Net Income": "-0.212", "Other Net Income": "-7.16", "Economic Capital Ratio": "-11.2"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2012/plot_over_time/0000826154_strength_weakness.svg", "table_records": {"2012": {"input_variables": {"Assets and Securities": "25,939", "Cash Deposits and Cash Equivalents": "150,688", "Deposits": "1,085,039", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "688,435", "Long-term Debt": "37,470", "Occupancy": "0", "Other Assets": "340,824", "Other Compr. Net Income": "-2,261", "Other Expenses": "7,955", "Other Liabilities": "22,465", "Other Net Income": "-30,499", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "26,782"}, "output_variables": {"Liabilities": "1,144,974", "Assets": "1,232,668", "Expenses": "7,955", "Revenues": "0", "Stockholders Equity": "87,694", "Net Income": "-38,454", "Comprehensive Net Income": "-40,715", "BaseVar": "1,262,719", "ECR before LimitedLiability": "-6.8%", "Economic Capital Ratio": "0.54%"}}}, "top_rated": false, "trend": null, "value": 0.00542911379092382, "company_index": "https://www.realrate-archive.com/us_state_banks/2012/industry_indexes/0000826154.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2012/analytics/equity/0000826154.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2012/analytics/profit_loss/0000826154.svg"}], "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2012/feature_distribution/feature_distribution.svg", "final_var_label": "Economic Capital Ratio", "industry_box": [["Revenues", "311 M"], ["Assets", "578 B"], ["Expenses", "2.91 B"], ["Stockholders Equity", "60.5 B"]], "industry_id": "us_state_banks", "industry_label": "State Banks", "num_companies": 85, "num_top_companies": 21, "ecr_records": {"2011": {"0001265131": {"rank": 1, "ecr": "80"}, "0001068851": {"rank": 2, "ecr": "19"}, "0000716605": {"rank": 3, "ecr": "19"}, "0000887343": {"rank": 4, "ecr": "18"}, "0000810958": {"rank": 5, "ecr": "17"}, "0001331520": {"rank": 6, "ecr": "17"}, "0001478454": {"rank": 7, "ecr": "17"}, "0000354647": {"rank": 8, "ecr": "16"}, "0000859070": {"rank": 9, "ecr": "15"}, "0000861842": {"rank": 10, "ecr": "15"}, "0001013272": {"rank": 11, "ecr": "15"}, "0000732417": {"rank": 12, "ecr": "15"}, "0000714562": {"rank": 13, "ecr": "14"}, "0000719220": {"rank": 14, "ecr": "14"}, "0000034782": {"rank": 15, "ecr": "14"}, "0000743367": {"rank": 16, "ecr": "14"}, "0000946647": {"rank": 17, "ecr": "14"}, "0000036270": {"rank": 18, "ecr": "14"}, "0000709337": {"rank": 19, "ecr": "14"}, "0000913341": {"rank": 20, "ecr": "14"}, "0000842517": {"rank": 21, "ecr": "14"}, "0000102212": {"rank": 22, "ecr": "13"}, "0001007273": {"rank": 23, "ecr": "13"}, "0001127371": {"rank": 24, "ecr": "13"}, "0000022356": {"rank": 25, "ecr": "13"}, "0000314489": {"rank": 26, "ecr": "13"}, "0000007789": {"rank": 27, "ecr": "13"}, "0001431567": {"rank": 28, "ecr": "13"}, "0000714712": {"rank": 29, "ecr": "13"}, "0000739421": {"rank": 30, "ecr": "13"}, "0000729986": {"rank": 31, "ecr": "13"}, "0000350852": {"rank": 32, "ecr": "12"}, "0000803164": {"rank": 33, "ecr": "12"}, "0000835324": {"rank": 34, "ecr": "12"}, "0000318300": {"rank": 35, "ecr": "12"}, "0001315399": {"rank": 36, "ecr": "12"}, "0000715072": {"rank": 37, "ecr": "12"}, "0000883948": {"rank": 38, "ecr": "12"}, "0000721994": {"rank": 39, "ecr": "12"}, "0001028918": {"rank": 40, "ecr": "11"}, "0000750577": {"rank": 41, "ecr": "11"}, "0000763563": {"rank": 42, "ecr": "11"}, "0000880641": {"rank": 43, "ecr": "11"}, "0000776901": {"rank": 44, "ecr": "11"}, "0000737468": {"rank": 45, "ecr": "11"}, "0000923139": {"rank": 46, "ecr": "11"}, "0001050441": {"rank": 47, "ecr": "11"}, "0000705432": {"rank": 48, "ecr": "11"}, "0000860413": {"rank": 49, "ecr": "11"}, "0000932781": {"rank": 50, "ecr": "11"}, "0000351569": {"rank": 51, "ecr": "11"}, "0001093672": {"rank": 52, "ecr": "11"}, "0000700565": {"rank": 53, "ecr": "11"}, "0001030469": {"rank": 54, "ecr": "10"}, "0000750558": {"rank": 55, "ecr": "10"}, "0000798941": {"rank": 56, "ecr": "10"}, "0000736772": {"rank": 57, "ecr": "10"}, "0000764038": {"rank": 58, "ecr": "10"}, "0000723646": {"rank": 59, "ecr": "9.9"}, "0000811589": {"rank": 60, "ecr": "9.8"}, "0001018399": {"rank": 61, "ecr": "9.8"}, "0000356171": {"rank": 62, "ecr": "9.7"}, "0000750574": {"rank": 63, "ecr": "9.6"}, "0000706129": {"rank": 64, "ecr": "9.6"}, "0000706863": {"rank": 65, "ecr": "9.5"}, "0000920427": {"rank": 66, "ecr": "9.2"}, "0000898171": {"rank": 67, "ecr": "9.1"}, "0000944745": {"rank": 68, "ecr": "9.0"}, "0000726601": {"rank": 69, "ecr": "8.7"}, "0000879635": {"rank": 70, "ecr": "8.6"}, "0000836147": {"rank": 71, "ecr": "8.4"}, "0000906465": {"rank": 72, "ecr": "8.1"}, "0000073124": {"rank": 73, "ecr": "8.1"}, "0001521951": {"rank": 74, "ecr": "7.7"}, "0001057706": {"rank": 75, "ecr": "7.2"}, "0000719402": {"rank": 76, "ecr": "2.0"}, "0000834285": {"rank": 77, "ecr": "1.4"}, "0000857855": {"rank": 78, "ecr": "0.82"}}, "2012": {"0001518715": {"rank": 1, "ecr": "21"}, "0000810958": {"rank": 2, "ecr": "19"}, "0000716605": {"rank": 3, "ecr": "18"}, "0000737875": {"rank": 4, "ecr": "17"}, "0000861842": {"rank": 5, "ecr": "17"}, "0001478454": {"rank": 6, "ecr": "17"}, "0000887343": {"rank": 7, "ecr": "16"}, "0001013272": {"rank": 8, "ecr": "16"}, "0001127371": {"rank": 9, "ecr": "16"}, "0001325670": {"rank": 10, "ecr": "15"}, "0000913341": {"rank": 11, "ecr": "15"}, "0000714562": {"rank": 12, "ecr": "15"}, "0001028918": {"rank": 13, "ecr": "15"}, "0000732417": {"rank": 14, "ecr": "15"}, "0000034782": {"rank": 15, "ecr": "14"}, "0000739421": {"rank": 16, "ecr": "14"}, "0001069157": {"rank": 17, "ecr": "14"}, "0000868671": {"rank": 18, "ecr": "14"}, "0000350852": {"rank": 19, "ecr": "14"}, "0000946647": {"rank": 20, "ecr": "14"}, "0000035527": {"rank": 21, "ecr": "14"}, "0000102212": {"rank": 22, "ecr": "14"}, "0000842517": {"rank": 23, "ecr": "13"}, "0000880641": {"rank": 24, "ecr": "13"}, "0000022356": {"rank": 25, "ecr": "13"}, "0001007273": {"rank": 26, "ecr": "13"}, "0000714712": {"rank": 27, "ecr": "13"}, "0000007789": {"rank": 28, "ecr": "13"}, "0000803164": {"rank": 29, "ecr": "13"}, "0000719220": {"rank": 30, "ecr": "13"}, "0001412665": {"rank": 31, "ecr": "12"}, "0001315399": {"rank": 32, "ecr": "12"}, "0001050441": {"rank": 33, "ecr": "12"}, "0000721994": {"rank": 34, "ecr": "12"}, "0000835324": {"rank": 35, "ecr": "12"}, "0001431567": {"rank": 36, "ecr": "12"}, "0000706863": {"rank": 37, "ecr": "12"}, "0000715072": {"rank": 38, "ecr": "12"}, "0001166928": {"rank": 39, "ecr": "12"}, "0000883948": {"rank": 40, "ecr": "12"}, "0000709337": {"rank": 41, "ecr": "12"}, "0000743367": {"rank": 42, "ecr": "12"}, "0000700565": {"rank": 43, "ecr": "12"}, "0000314489": {"rank": 44, "ecr": "12"}, "0000923139": {"rank": 45, "ecr": "12"}, "0000750574": {"rank": 46, "ecr": "11"}, "0001042729": {"rank": 47, "ecr": "11"}, "0000706129": {"rank": 48, "ecr": "11"}, "0000737468": {"rank": 49, "ecr": "11"}, "0001093672": {"rank": 50, "ecr": "11"}, "0000736772": {"rank": 51, "ecr": "11"}, "0000836147": {"rank": 52, "ecr": "11"}, "0000920112": {"rank": 53, "ecr": "11"}, "0000860413": {"rank": 54, "ecr": "11"}, "0000750558": {"rank": 55, "ecr": "11"}, "0000764038": {"rank": 56, "ecr": "11"}, "0001057706": {"rank": 57, "ecr": "10"}, "0000932781": {"rank": 58, "ecr": "10"}, "0000776901": {"rank": 59, "ecr": "10"}, "0000890066": {"rank": 60, "ecr": "10"}, "0000767405": {"rank": 61, "ecr": "10.0"}, "0001018399": {"rank": 62, "ecr": "9.9"}, "0001488813": {"rank": 63, "ecr": "9.9"}, "0000920427": {"rank": 64, "ecr": "9.8"}, "0000356171": {"rank": 65, "ecr": "9.7"}, "0000723646": {"rank": 66, "ecr": "9.7"}, "0001449794": {"rank": 67, "ecr": "9.7"}, "0001030469": {"rank": 68, "ecr": "9.5"}, "0001025835": {"rank": 69, "ecr": "9.5"}, "0001277902": {"rank": 70, "ecr": "9.4"}, "0001521951": {"rank": 71, "ecr": "9.3"}, "0000798941": {"rank": 72, "ecr": "9.3"}, "0000073124": {"rank": 73, "ecr": "9.3"}, "0000705432": {"rank": 74, "ecr": "9.2"}, "0000879635": {"rank": 75, "ecr": "9.0"}, "0000731653": {"rank": 76, "ecr": "8.9"}, "0000763563": {"rank": 77, "ecr": "8.4"}, "0001275101": {"rank": 78, "ecr": "8.0"}, "0000906465": {"rank": 79, "ecr": "8.0"}, "0000036270": {"rank": 80, "ecr": "8.0"}, "0000857855": {"rank": 81, "ecr": "8.0"}, "0000719402": {"rank": 82, "ecr": "7.8"}, "0001163389": {"rank": 83, "ecr": "3.3"}, "0001290476": {"rank": 84, "ecr": "1.5"}, "0000826154": {"rank": 85, "ecr": "0.54"}}}, "rating_box": [["Top rated", "21 of 85"], ["Best, worst rating", "20.8 %, 0.543 %"], ["New companies", "21"]], "regression_plot": "https://www.realrate-archive.com/us_state_banks/2012/backtesting_correlation/regression_2012.svg", "scentences": ["Union Bankshares INC climbed 28 positions from 65 to 37 due to its excellent Liabilities and Borrowings.", "M T BANK CORP lost 62 positions from 18 to 80 due to its bad Comprehensive Net Income.", "Mechanics Bancorp entered the 2013 ranking at rank 1, making it the best newcomer."], "url_segment": "2013-us-state-banks", "year": 2013, "feature_importance": "https://www.realrate-archive.com/us_state_banks/2012/feature_importance/feature_importance.svg", "obs_ecr": {"0000007789": {"2011": {"obs_EconomicCapitalRatio": 0.09454329016514694}, "2012": {"obs_EconomicCapitalRatio": 0.1035686673838514}, "2013": {"obs_EconomicCapitalRatio": 0.12427997586965539}, "2014": {"obs_EconomicCapitalRatio": 0.11129118237565663}}, "0000022356": {"2011": {"obs_EconomicCapitalRatio": 0.15668093524445043}, "2012": {"obs_EconomicCapitalRatio": 0.1398338961038028}, "2013": {"obs_EconomicCapitalRatio": 0.17786095171091668}, "2014": {"obs_EconomicCapitalRatio": 0.16641854566797604}, "2015": {"obs_EconomicCapitalRatio": 0.16208435206744393}, "2016": {"obs_EconomicCapitalRatio": 0.21906796678423335}, "2017": {"obs_EconomicCapitalRatio": 0.23279631704218728}, "2018": {"obs_EconomicCapitalRatio": 0.23451839803575264}, "2019": {"obs_EconomicCapitalRatio": 0.28390521919042166}, "2020": {"obs_EconomicCapitalRatio": 0.22340115029310265}, "2021": {"obs_EconomicCapitalRatio": 0.2158683653677053}, "2022": {"obs_EconomicCapitalRatio": 0.24683540374239496}, "2023": {"obs_EconomicCapitalRatio": 0.22226275268029452}, "2024": {"obs_EconomicCapitalRatio": 0.2585687803656395}, "2025": {"obs_EconomicCapitalRatio": 0.22389924646407494}}, "0000034782": {"2011": {"obs_EconomicCapitalRatio": 0.14938473226143373}, "2012": {"obs_EconomicCapitalRatio": 0.12604700746304745}, "2013": {"obs_EconomicCapitalRatio": 0.17579756095182397}, "2014": {"obs_EconomicCapitalRatio": 0.18184019362812653}, "2015": {"obs_EconomicCapitalRatio": 0.16940915818074798}, "2016": {"obs_EconomicCapitalRatio": 0.22376538408579943}, "2017": {"obs_EconomicCapitalRatio": 0.23489303933778546}, "2018": {"obs_EconomicCapitalRatio": 0.1753317572545487}, "2019": {"obs_EconomicCapitalRatio": 0.2171870224535316}, "2020": {"obs_EconomicCapitalRatio": 0.1487100360564915}, "2021": {"obs_EconomicCapitalRatio": 0.15815374454620804}, "2022": {"obs_EconomicCapitalRatio": 0.1672549379687329}, "2023": {"obs_EconomicCapitalRatio": 0.16411122149081275}, "2024": {"obs_EconomicCapitalRatio": 0.16759314705953957}, "2025": {"obs_EconomicCapitalRatio": 0.184909079672271}}, "0000036270": {"2011": {"obs_EconomicCapitalRatio": 0.13041926042067875}, "2012": {"obs_EconomicCapitalRatio": 0.16349169895965143}, "2013": {"obs_EconomicCapitalRatio": 0.18923532001620688}, "2016": {"obs_EconomicCapitalRatio": 0.21026046390855985}, "2017": {"obs_EconomicCapitalRatio": 0.23491269527463823}, "2018": {"obs_EconomicCapitalRatio": 0.17632881596225228}, "2019": {"obs_EconomicCapitalRatio": 0.19964048071937282}, "2020": {"obs_EconomicCapitalRatio": 0.119496271491166}, "2021": {"obs_EconomicCapitalRatio": 0.13388769976817988}, "2022": {"obs_EconomicCapitalRatio": 0.13222433040320505}, "2024": {"obs_EconomicCapitalRatio": 0.15518400726585116}, "2025": {"obs_EconomicCapitalRatio": 0.1569395571889481}}, "0000073124": {"2011": {"obs_EconomicCapitalRatio": 0.09882696261355291}, "2012": {"obs_EconomicCapitalRatio": 0.12781994747854716}, "2013": {"obs_EconomicCapitalRatio": 0.1479777981865378}, "2014": {"obs_EconomicCapitalRatio": 0.15159839779223375}, "2015": {"obs_EconomicCapitalRatio": 0.14906336635612796}, "2016": 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