{"company_details": [{"company_id": "0001767837", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001767837.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001767837.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001767837.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001767837_256x256.png", "name": "Richmond Mutual Bancorporation Inc", "rank": 1, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001767837.svg", "report_text": "The relative strengths and weaknesses of Richmond Mutual 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 Richmond Mutual Bancorporation Inc compared to the market average is the variable Other Net Income, increasing the Economic Capital Ratio by 48% points.The greatest weakness of Richmond Mutual Bancorporation Inc is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 20% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 62%, being 47% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001767837_2020_Richmond_Mutual_Bancorporation_Inc.pdf", "shrinked_graph_json": {"2019": {"Long-term Debt": "0.978", "Liabilities": "29.2", "Assets": "-10.7", "Stockholders Equity": "3.79", "ECR before LimitedLiability": "47.1", "Deposits": "32.6", "Other Liabilities": "12.4", "Liabilities and Borrowings": "-20.4", "Loans and Leases Receivable": "-5.73", "Other Assets": "2.91", "Goodwill": "-1.07", "Assets and Securities": "-6.61", "Other Noninterest Expense": "0.591", "Expenses": "-9.33", "Net Income": "38.7", "Other Net Income": "47.6", "Other Expenses": "-7.85", "Occupancy": "0.469", "Labor Expense": "-3.12", "Comprehensive Net Income": "39.0", "Economic Capital Ratio": "47.0"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001767837_strength_weakness.svg", "table_records": {"2019": {"input_variables": {"Assets and Securities": "10,873", "Cash Deposits and Cash Equivalents": "49,685", "Deposits": "617,219", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "14,551", "Liabilities and Borrowings": "565,660", "Loans and Leases Receivable": "687,258", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "224,139", "Other Compr. Net Income": "3,718", "Other Expenses": "24,913", "Other Liabilities": "-384,625", "Other Net Income": "145,178", "Other Noninterest Expense": "0", "Other Revenues": "3,860", "Property, Plant and Equipment": "14,087"}, "output_variables": {"Liabilities": "798,255", "Assets": "986,042", "Expenses": "39,463", "Revenues": "3,860", "Stockholders Equity": "187,787", "Net Income": "109,575", "Comprehensive Net Income": "113,292", "BaseVar": "1,241,026", "ECR before LimitedLiability": "62%", "Economic Capital Ratio": "62%"}}}, "top_rated": true, "trend": null, "value": 0.6230439646344559, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001767837.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001767837.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001767837.svg"}, {"company_id": "0000854560", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000854560.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0000854560.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000854560.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000854560_256x256.png", "name": "Great Southern Bancorp INC", "rank": 2, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0000854560.svg", "report_text": "The relative strengths and weaknesses of Great Southern Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Great Southern Bancorp INC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 38% points.The greatest weakness of Great Southern Bancorp INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 45% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 38%, being 23% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000854560_2020_Great_Southern_Bancorp_INC.pdf", "shrinked_graph_json": {"2017": {"Other Liabilities": "-24.5", "Liabilities": "-2.64", "ECR before LimitedLiability": "-4.84", "Liabilities and Borrowings": "7.51", "Long-term Debt": "0.564", "Deposits": "-6.74", "Loans and Leases Receivable": "-35.9", "Assets": "2.01", "Cash Deposits and Cash Equivalents": "2.44", "Assets and Securities": "-4.15", "Other Assets": "7.51", "Property, Plant and Equipment": "0.997", "Goodwill": "-0.808", "Expenses": "0.860", "Net Income": "-4.43", "Labor Expense": "0.413", "Other Revenues": "-0.433", "Revenues": "-0.433", "Comprehensive Net Income": "-4.43", "Other Net Income": "-5.03", "Economic Capital Ratio": "-4.89"}, "2019": {"Liabilities": "15.8", "Stockholders Equity": "-1.61", "ECR before LimitedLiability": "22.9", "Deposits": "11.4", "Other Liabilities": "-45.4", "Liabilities and Borrowings": "32.5", "Loans and Leases Receivable": "-34.1", "Assets": "-10.5", "Other Assets": "38.1", "Goodwill": "-1.15", "Assets and Securities": "-8.33", "Expenses": "-8.13", "Revenues": "1.35", "Net Income": "21.1", "Other Expenses": "-4.98", "Occupancy": "-1.59", "Labor Expense": "-2.28", "Other Revenues": "1.35", "Comprehensive Net Income": "21.7", "Other Net Income": "27.8", "Economic Capital Ratio": "22.8"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0000854560_strength_weakness.svg", "table_records": {"2017": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "368,906", "Deposits": "3,597,144", "Fees": "0", "Goodwill": "10,850", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "3,896,747", "Other Compr. Net Income": "-317", "Other Expenses": "18,758", "Other Liabilities": "345,715", "Other Net Income": "0", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "138,018"}, "output_variables": {"Liabilities": "3,942,859", "Assets": "4,414,521", "Expenses": "18,758", "Revenues": "0", "Stockholders Equity": "471,662", "Net Income": "-18,758", "Comprehensive Net Income": "-19,075", "BaseVar": "4,213,311", "ECR before LimitedLiability": "7.0%", "Economic Capital Ratio": "7.5%"}}, "2019": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "341,011", "Deposits": "3,960,106", "Fees": "4,639", "Goodwill": "8,098", "IT and Equipment Expense": "0", "Labor Expense": "63,224", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "26,217", "Other Assets": "4,524,055", "Other Compr. Net Income": "22,619", "Other Expenses": "92,109", "Other Liabilities": "451,900", "Other Net Income": "499,297", "Other Noninterest Expense": "0", "Other Revenues": "30,957", "Property, Plant and Equipment": "141,908"}, "output_variables": {"Liabilities": "4,412,006", "Assets": "5,015,072", "Expenses": "186,189", "Revenues": "30,957", "Stockholders Equity": "603,066", "Net Income": "344,065", "Comprehensive Net Income": "366,684", "BaseVar": "6,054,937", "ECR before LimitedLiability": "38%", "Economic Capital Ratio": "38%"}}}, "top_rated": true, "trend": null, "value": 0.3809077934859561, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000854560.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000854560.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000854560.svg"}, {"company_id": "0000906465", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000906465.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 3, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 Other Liabilities, increasing the Economic Capital Ratio by 27% points.The greatest weakness of QCR Holdings INC 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 35%, being 19% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000906465_2020_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"}, "2013": {"Long-term Debt": "0.570", "Liabilities": "-1.89", "Stockholders Equity": "-2.47", "Liabilities and Borrowings": "-22.2", "Other Liabilities": "5.21", "Deposits": "3.07", "Goodwill": "-0.511", "Assets": "-0.540", "Loans and Leases Receivable": "1.45", "Cash Deposits and Cash Equivalents": "-0.775", "Assets and Securities": "5.61", "Other Assets": "-15.9", "Expenses": "0.734", "Net Income": "-0.695", "Other Expenses": "0.447", "Labor Expense": "0.181", "ECR before LimitedLiability": "-4.70", "Other Net Income": "-1.38", "Other Compr. Net Income": "-0.904", "Comprehensive Net Income": "-1.67", "Economic Capital Ratio": "-4.84"}, "2014": {"Deposits": "4.95", "Liabilities": "-3.41", "Stockholders Equity": "-3.89", "Other Liabilities": "6.56", "Liabilities and Borrowings": "-25.5", "Long-term Debt": "1.04", "Cash Deposits and Cash Equivalents": "-0.853", "Assets": "-0.628", "ECR before LimitedLiability": "-4.23", "Other Assets": "-14.6", "Assets and Securities": "8.51", "Goodwill": "-0.700", "Loans and Leases Receivable": "1.81", "Expenses": "1.26", "Revenues": "-0.257", "Net Income": "-1.10", "Other Expenses": "0.840", "Labor Expense": "0.280", "Other Revenues": "-0.257", "Other Net Income": "-2.26", "Economic Capital Ratio": "-4.27", "Other Compr. Net Income": "0.929"}, "2015": {"Liabilities": "-2.29", "Stockholders Equity": "-1.22", "ECR before LimitedLiability": "-2.14", "Long-term Debt": "1.03", "Other Liabilities": "9.03", "Liabilities and Borrowings": "-24.7", "Loans and Leases Receivable": "4.55", "Assets": "0.789", "Assets and Securities": "8.66", "Cash Deposits and Cash Equivalents": "-0.670", "Goodwill": "-0.710", "Other Assets": "-14.8", "Expenses": "1.25", "Revenues": "-0.299", "Net Income": "-0.890", "Other Expenses": "0.817", "Labor Expense": "0.255", "Other Revenues": "-0.299", "Comprehensive Net Income": "-0.644", "Other Net Income": "-1.94", "Economic Capital Ratio": "-2.18"}, "2016": {"Liabilities and Borrowings": "-30.8", "Liabilities": "-2.27", "Assets": "0.588", "Stockholders Equity": "-1.44", "ECR before LimitedLiability": "-1.55", "Deposits": "-5.81", "Other Liabilities": "10.2", "Long-term Debt": "0.783", "Assets and Securities": "7.33", "Other Assets": "-13.3", "Goodwill": "-0.693", "Loans and Leases Receivable": "5.77", "Other Expenses": "0.567", "Expenses": "1.22", "Revenues": "-0.481", "Net Income": "-0.422", "Labor Expense": "0.421", "Other Revenues": "-0.481", "Other Net Income": "-1.21", "Economic Capital Ratio": "-1.60", "Other Compr. Net Income": "0.526"}, "2017": {"Other Liabilities": "10.7", "Liabilities": "-2.82", "Stockholders Equity": "-1.55", "ECR before LimitedLiability": "-1.63", "Liabilities and Borrowings": "-37.2", "Long-term Debt": "0.722", "Deposits": "-6.13", "Loans and Leases Receivable": "6.11", "Assets": "0.931", "Cash Deposits and Cash Equivalents": "-0.556", "Assets and Securities": "6.98", "Other Assets": "-12.5", "Goodwill": "-0.612", "Expenses": "2.14", "Revenues": "-0.525", "Comprehensive Net Income": "0.231", "Other Expenses": "1.38", "Labor Expense": "0.515", "Other Revenues": "-0.525", "Other Net Income": "-1.65", "Economic Capital Ratio": "-1.68"}, "2018": {"Other Liabilities": "24.1", "Liabilities": "8.25", "Assets": "-7.76", "Stockholders Equity": "-2.57", "ECR before LimitedLiability": "13.5", "Long-term Debt": "0.829", "Liabilities and Borrowings": "-36.1", "Deposits": "5.16", "Assets and Securities": "1.29", "Other Assets": "-10.4", "Loans and Leases Receivable": "2.54", "Labor Expense": "-2.90", "Expenses": "-4.29", "Revenues": "17.4", "Net Income": "14.3", "Other Expenses": "-1.40", "IT and Equipment Expense": "-0.650", "Other Revenues": "17.4", "Comprehensive Net Income": "14.6", "Other Net Income": "0.981", "Economic Capital Ratio": "13.4"}, "2019": {"Long-term Debt": "0.774", "Liabilities": "13.4", "Assets": "-10.0", "Stockholders Equity": "-2.38", "ECR before LimitedLiability": "19.4", "Deposits": "9.55", "Other Liabilities": "26.6", "Liabilities and Borrowings": "-32.7", "Loans and Leases Receivable": "-1.90", "Other Assets": "-8.10", "Expenses": "-7.18", "Revenues": "24.7", "Net Income": "20.1", "Other Expenses": "-2.29", "Labor Expense": "-4.66", "IT and Equipment Expense": "-0.850", "Other Revenues": "24.7", "Comprehensive Net Income": "19.3", "Other Net Income": "2.41", "Other Compr. Net Income": "-0.716", "Economic Capital Ratio": "19.4"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "721,084", "Cash Deposits and Cash Equivalents": "74,996", "Deposits": "1,646,991", "Fees": "0", "Goodwill": "3,223", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,283,877", "Loans and Leases Receivable": "1,438,832", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "120,064", "Other Compr. Net Income": "-18,351", "Other Expenses": "4,618", "Other Liabilities": "-683,492", "Other Net Income": "19,556", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "36,755"}, "output_variables": {"Liabilities": "2,247,376", "Assets": "2,394,953", "Expenses": "4,618", "Revenues": "0", "Stockholders Equity": "147,577", "Net Income": "14,938", "Comprehensive Net Income": "-3,412", "BaseVar": "2,398,347", "ECR before LimitedLiability": "4.4%", "Economic Capital Ratio": "5.6%"}}, "2014": {"input_variables": {"Assets and Securities": "674,714", "Cash Deposits and Cash Equivalents": "73,570", "Deposits": "1,679,668", "Fees": "0", "Goodwill": "3,223", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,356,612", "Loans and Leases Receivable": "1,606,929", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "130,502", "Other Compr. Net Income": "-18,317", "Other Expenses": "2,733", "Other Liabilities": "-655,401", "Other Net Income": "17,447", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "36,021"}, "output_variables": {"Liabilities": "2,380,880", "Assets": "2,524,958", "Expenses": "2,733", "Revenues": "0", "Stockholders Equity": "144,079", "Net Income": "14,714", "Comprehensive Net Income": "-3,603", "BaseVar": "2,522,793", "ECR before LimitedLiability": "4.0%", "Economic Capital Ratio": "5.4%"}}, "2015": {"input_variables": {"Assets and Securities": "603,894", "Cash Deposits and Cash Equivalents": "78,056", "Deposits": "1,880,666", "Fees": "0", "Goodwill": "3,223", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,417,859", "Loans and Leases Receivable": "1,771,882", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "98,794", "Other Compr. Net Income": "5,899", "Other Expenses": "3,727", "Other Liabilities": "-931,212", "Other Net Income": "21,403", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "37,350"}, "output_variables": {"Liabilities": "2,367,313", "Assets": "2,593,198", "Expenses": "3,727", "Revenues": "0", "Stockholders Equity": "225,886", "Net Income": "17,676", "Comprehensive Net Income": "23,575", "BaseVar": "2,536,574", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "11%"}}, "2016": {"input_variables": {"Assets and Securities": "611,525", "Cash Deposits and Cash Equivalents": "134,519", "Deposits": "2,669,261", "Fees": "0", "Goodwill": "13,111", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,007,536", "Loans and Leases Receivable": "2,374,730", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "107,415", "Other Compr. Net Income": "-270", "Other Expenses": "10,763", "Other Liabilities": "-1,660,895", "Other Net Income": "47,873", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "60,644"}, "output_variables": {"Liabilities": "3,015,903", "Assets": "3,301,944", "Expenses": "10,763", "Revenues": "0", "Stockholders Equity": "286,041", "Net Income": "37,109", "Comprehensive Net Income": "36,839", "BaseVar": "3,265,838", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2017": {"input_variables": {"Assets and Securities": "698,200", "Cash Deposits and Cash Equivalents": "131,487", "Deposits": "3,266,655", "Fees": "0", "Goodwill": "28,334", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,596,350", "Loans and Leases Receivable": "2,930,130", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "131,676", "Other Compr. Net Income": "458", "Other Expenses": "5,973", "Other Liabilities": "-2,233,628", "Other Net Income": "42,644", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "62,838"}, "output_variables": {"Liabilities": "3,629,378", "Assets": "3,982,665", "Expenses": "5,973", "Revenues": "0", "Stockholders Equity": "353,287", "Net Income": "36,671", "Comprehensive Net Income": "37,129", "BaseVar": "3,895,091", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2018": {"input_variables": {"Assets and Securities": "737,971", "Cash Deposits and Cash Equivalents": "218,721", "Deposits": "3,977,031", "Fees": "0", "Goodwill": "77,832", "IT and Equipment Expense": "12,884", "Labor Expense": "68,994", "Liabilities and Borrowings": "3,352,534", "Loans and Leases Receivable": "3,692,907", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "146,698", "Other Compr. Net Income": "-1,285", "Other Expenses": "5,053", "Other Liabilities": "-2,852,993", "Other Net Income": "570,614", "Other Noninterest Expense": "6,403", "Other Revenues": "240,688", "Property, Plant and Equipment": "75,582"}, "output_variables": {"Liabilities": "4,476,572", "Assets": "4,949,710", "Expenses": "93,333", "Revenues": "240,688", "Stockholders Equity": "473,138", "Net Income": "717,969", "Comprehensive Net Income": "716,684", "BaseVar": "6,357,385", "ECR before LimitedLiability": "63%", "Economic Capital Ratio": "63%"}}, "2019": {"input_variables": {"Assets and Securities": "759,143", "Cash Deposits and Cash Equivalents": "224,145", "Deposits": "3,911,051", "Fees": "0", "Goodwill": "74,748", "IT and Equipment Expense": "15,569", "Labor Expense": "103,602", "Liabilities and Borrowings": "3,312,517", "Loans and Leases Receivable": "3,654,204", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "122,951", "Other Compr. Net Income": "935", "Other Expenses": "63,159", "Other Liabilities": "-2,849,869", "Other Net Income": "186,310", "Other Noninterest Expense": "6,873", "Other Revenues": "383,678", "Property, Plant and Equipment": "73,859"}, "output_variables": {"Liabilities": "4,373,699", "Assets": "4,909,050", "Expenses": "189,204", "Revenues": "383,678", "Stockholders Equity": "535,351", "Net Income": "380,784", "Comprehensive Net Income": "381,719", "BaseVar": "6,021,004", "ECR before LimitedLiability": "39%", "Economic Capital Ratio": "39%"}}}, "top_rated": true, "trend": -2.0, "value": 0.3462818029443651, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000906465.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000906465.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000906465.svg"}, {"company_id": "0000036029", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000036029.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0000036029.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000036029.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000036029_256x256.png", "name": "First Financial Bankshares INC", "rank": 4, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0000036029.svg", "report_text": "The relative strengths and weaknesses of First Financial 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 First Financial Bankshares INC compared to the market average is the variable Assets and Securities, increasing the Economic Capital Ratio by 21% points.The greatest weakness of First Financial Bankshares INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 24% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 23%, being 8.0% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000036029_2020_First_Financial_Bankshares_INC.pdf", "shrinked_graph_json": {"2013": {"Long-term Debt": "0.907", "Liabilities": "1.73", "Stockholders Equity": "0.662", "ECR before LimitedLiability": "1.70", "Liabilities and Borrowings": "-25.2", "Other Liabilities": "12.0", "Deposits": "-4.64", "Goodwill": "-0.833", "Assets": "-0.909", "Loans and Leases Receivable": "-33.1", "Cash Deposits and Cash Equivalents": "-0.424", "Assets and Securities": "-3.57", "Other Assets": "12.0", "Other Revenues": "-0.161", "Revenues": "-0.161", "Net Income": "2.25", "Other Compr. Net Income": "-1.41", "Comprehensive Net Income": "0.890", "Other Net Income": "2.40", "Other Expenses": "-0.444", "Labor Expense": "0.277", "Economic Capital Ratio": "1.55"}, "2014": {"Deposits": "-5.60", "Liabilities": "1.87", "Assets": "-0.975", "Stockholders Equity": "0.585", "ECR before LimitedLiability": "4.94", "Other Liabilities": "17.7", "Liabilities and Borrowings": "-29.7", "Long-term Debt": "1.36", "Other Assets": "17.9", "Assets and Securities": "-3.61", "Goodwill": "-0.852", "Loans and Leases Receivable": "-33.3", "Other Revenues": "-0.303", "Revenues": "-0.303", "Net Income": "2.35", "Other Net Income": "2.53", "Other Compr. Net Income": "1.79", "Comprehensive Net Income": "4.14", "Other Expenses": "-0.418", "Labor Expense": "0.335", "Economic Capital Ratio": "4.90"}, "2015": {"Deposits": "-4.04", "Liabilities": "1.39", "Loans and Leases Receivable": "-34.1", "Stockholders Equity": "1.34", "ECR before LimitedLiability": "3.97", "Long-term Debt": "1.23", "Other Liabilities": "14.9", "Liabilities and Borrowings": "-23.2", "Other Revenues": "-0.332", "Revenues": "-0.332", "Net Income": "2.28", "Assets and Securities": "-3.13", "Property, Plant and Equipment": "0.190", "Goodwill": "-0.840", "Other Assets": "15.7", "Other Compr. Net Income": "0.290", "Comprehensive Net Income": "2.57", "Other Expenses": "-0.335", "Labor Expense": "0.287", "Other Net Income": "2.43", "Economic Capital Ratio": "3.93"}, "2016": {"Liabilities and Borrowings": "-25.8", "Liabilities": "1.54", "Assets and Securities": "14.4", "Stockholders Equity": "1.38", "ECR before LimitedLiability": "2.64", "Deposits": "-5.16", "Other Liabilities": "14.3", "Long-term Debt": "0.888", "Expenses": "0.645", "Net Income": "2.20", "Labor Expense": "0.461", "Other Revenues": "-0.520", "Revenues": "-0.520", "Other Assets": "-13.8", "Goodwill": "-1.02", "Loans and Leases Receivable": "-9.93", "Cash Deposits and Cash Equivalents": "-0.381", "Comprehensive Net Income": "1.19", "Other Net Income": "2.08", "Other Compr. Net Income": "-1.02", "Economic Capital Ratio": "2.60"}, "2017": {"Other Liabilities": "16.9", "Liabilities": "0.932", "Stockholders Equity": "1.49", "ECR before LimitedLiability": "4.98", "Liabilities and Borrowings": "-25.6", "Long-term Debt": "0.814", "Deposits": "-6.37", "Loans and Leases Receivable": "-11.2", "Assets": "0.581", "Cash Deposits and Cash Equivalents": "0.761", "Assets and Securities": "17.3", "Other Assets": "-12.9", "Goodwill": "-1.14", "Expenses": "1.45", "Revenues": "-0.559", "Net Income": "3.04", "Other Expenses": "0.568", "Other Revenues": "-0.559", "Comprehensive Net Income": "3.52", "Other Net Income": "2.15", "Economic Capital Ratio": "4.93"}, "2018": {"Other Liabilities": "13.2", "Liabilities": "5.50", "Stockholders Equity": "1.41", "ECR before LimitedLiability": "1.32", "Liabilities and Borrowings": "-19.3", "Assets": "-3.57", "Assets and Securities": "14.1", "Other Assets": "-11.1", "Loans and Leases Receivable": "-10.9", "Goodwill": "-1.33", "Cash Deposits and Cash Equivalents": "-1.11", "Labor Expense": "-2.99", "Expenses": "-5.67", "Revenues": "-0.863", "Comprehensive Net Income": "-0.885", "Other Noninterest Expense": "-1.12", "Other Expenses": "-1.06", "Other Revenues": "-0.863", "Other Compr. Net Income": "-0.960", "Other Net Income": "6.22", "Economic Capital Ratio": "1.23"}, "2019": {"Long-term Debt": "0.618", "Liabilities": "0.794", "Stockholders Equity": "2.80", "ECR before LimitedLiability": "8.02", "Deposits": "-5.30", "Other Liabilities": "21.0", "Liabilities and Borrowings": "-24.5", "Loans and Leases Receivable": "-9.33", "Assets": "1.82", "Other Assets": "-7.37", "Goodwill": "-1.17", "Cash Deposits and Cash Equivalents": "-0.889", "Assets and Securities": "21.4", "Expenses": "3.60", "Net Income": "3.30", "Labor Expense": "2.16", "Other Revenues": "-0.861", "Revenues": "-0.861", "Comprehensive Net Income": "5.46", "Other Compr. Net Income": "2.17", "Economic Capital Ratio": "7.99"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0000036029_strength_weakness.svg", "table_records": {"2013": {"input_variables": {"Assets and Securities": "71,334", "Cash Deposits and Cash Equivalents": "212,012", "Deposits": "4,135,075", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,800,171", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "4,843,357", "Other Compr. Net Income": "-40,945", "Other Expenses": "25,700", "Other Liabilities": "-2,300,685", "Other Net Income": "104,568", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "95,505"}, "output_variables": {"Liabilities": "4,634,561", "Assets": "5,222,208", "Expenses": "25,700", "Revenues": "0", "Stockholders Equity": "587,647", "Net Income": "78,868", "Comprehensive Net Income": "37,923", "BaseVar": "5,239,136", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2014": {"input_variables": {"Assets and Securities": "59,906", "Cash Deposits and Cash Equivalents": "253,471", "Deposits": "4,750,255", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,220,253", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "5,431,825", "Other Compr. Net Income": "37,125", "Other Expenses": "29,033", "Other Liabilities": "-2,803,843", "Other Net Income": "118,592", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "103,000"}, "output_variables": {"Liabilities": "5,166,665", "Assets": "5,848,202", "Expenses": "29,033", "Revenues": "0", "Stockholders Equity": "681,537", "Net Income": "89,559", "Comprehensive Net Income": "126,684", "BaseVar": "5,842,755", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "18%"}}, "2015": {"input_variables": {"Assets and Securities": "85,635", "Cash Deposits and Cash Equivalents": "272,886", "Deposits": "5,190,169", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,487,899", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "6,190,837", "Other Compr. Net Income": "-94", "Other Expenses": "31,437", "Other Liabilities": "-2,817,984", "Other Net Income": "131,818", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "115,712"}, "output_variables": {"Liabilities": "5,860,084", "Assets": "6,665,070", "Expenses": "31,437", "Revenues": "0", "Stockholders Equity": "804,986", "Net Income": "100,381", "Comprehensive Net Income": "100,287", "BaseVar": "6,559,055", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}, "2016": {"input_variables": {"Assets and Securities": "2,946,903", "Cash Deposits and Cash Equivalents": "256,486", "Deposits": "5,478,539", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,796,657", "Loans and Leases Receivable": "3,311,528", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "172,329", "Other Compr. Net Income": "-18,210", "Other Expenses": "31,108", "Other Liabilities": "-3,303,150", "Other Net Income": "136,657", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "122,685"}, "output_variables": {"Liabilities": "5,972,046", "Assets": "6,809,931", "Expenses": "31,108", "Revenues": "0", "Stockholders Equity": "837,885", "Net Income": "105,550", "Comprehensive Net Income": "87,339", "BaseVar": "6,728,534", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2017": {"input_variables": {"Assets and Securities": "3,163,198", "Cash Deposits and Cash Equivalents": "372,347", "Deposits": "5,962,961", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,946,708", "Loans and Leases Receivable": "3,437,413", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "157,731", "Other Compr. Net Income": "-7,009", "Other Expenses": "26,117", "Other Liabilities": "-3,577,722", "Other Net Income": "149,250", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "124,026"}, "output_variables": {"Liabilities": "6,331,947", "Assets": "7,254,715", "Expenses": "26,117", "Revenues": "0", "Stockholders Equity": "922,768", "Net Income": "123,133", "Comprehensive Net Income": "116,125", "BaseVar": "7,124,342", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}, "2018": {"input_variables": {"Assets and Securities": "3,249,539", "Cash Deposits and Cash Equivalents": "248,647", "Deposits": "6,180,389", "Fees": "2,333", "Goodwill": "0", "IT and Equipment Expense": "13,841", "Labor Expense": "105,189", "Liabilities and Borrowings": "4,079,519", "Loans and Leases Receivable": "3,902,434", "Long-term Debt": "0", "Occupancy": "11,173", "Other Assets": "197,813", "Other Compr. Net Income": "-12,640", "Other Expenses": "52,061", "Other Liabilities": "-3,581,349", "Other Net Income": "373,124", "Other Noninterest Expense": "32,969", "Other Revenues": "0", "Property, Plant and Equipment": "133,421"}, "output_variables": {"Liabilities": "6,678,559", "Assets": "7,731,854", "Expenses": "217,566", "Revenues": "0", "Stockholders Equity": "1,053,295", "Net Income": "155,559", "Comprehensive Net Income": "142,919", "BaseVar": "8,300,251", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "18%"}}, "2019": {"input_variables": {"Assets and Securities": "3,504,236", "Cash Deposits and Cash Equivalents": "282,604", "Deposits": "6,603,806", "Fees": "2,290", "Goodwill": "0", "IT and Equipment Expense": "13,584", "Labor Expense": "103,235", "Liabilities and Borrowings": "4,572,240", "Loans and Leases Receivable": "4,142,470", "Long-term Debt": "0", "Occupancy": "10,965", "Other Assets": "201,895", "Other Compr. Net Income": "-480", "Other Expenses": "38,659", "Other Liabilities": "-4,141,016", "Other Net Income": "226,388", "Other Noninterest Expense": "32,356", "Other Revenues": "0", "Property, Plant and Equipment": "131,022"}, "output_variables": {"Liabilities": "7,035,030", "Assets": "8,262,227", "Expenses": "201,089", "Revenues": "0", "Stockholders Equity": "1,227,197", "Net Income": "25,299", "Comprehensive Net Income": "24,819", "BaseVar": "8,425,371", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}}, "top_rated": true, "trend": 43.0, "value": 0.23245065282143396, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000036029.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000036029.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000036029.svg"}, {"company_id": "0000354647", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000354647.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0000354647.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000354647.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000354647_256x256.png", "name": "CVB Financial CORP", "rank": 5, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0000354647.svg", "report_text": "The relative strengths and weaknesses of CVB 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 CVB Financial CORP compared to the market average is the variable Assets and Securities, increasing the Economic Capital Ratio by 7.6% points.The greatest weakness of CVB Financial CORP is the variable Other Assets, reducing the Economic Capital Ratio by 7.5% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 22%, being 6.6% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000354647_2020_CVB_Financial_CORP.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.15", "Liabilities": "1.53", "ECR before LimitedLiability": "3.60", "Other Liabilities": "3.95", "Liabilities and Borrowings": "-9.18", "Deposits": "4.83", "Other Assets": "15.9", "Assets": "-1.32", "Comprehensive Net Income": "3.87", "Goodwill": "-0.302", "Assets and Securities": "-3.86", "Loans and Leases Receivable": "-32.3", "Cash Deposits and Cash Equivalents": "-0.788", "Property, Plant and Equipment": "-0.835", "Other Revenues": "-0.665", "Revenues": "-0.665", "Net Income": "2.06", "Other Compr. Net Income": "1.83", "Other Net Income": "2.84", "Other Expenses": "-0.224", "Economic Capital Ratio": "3.34"}, "2018": {"Other Liabilities": "-26.9", "Liabilities": "4.67", "Stockholders Equity": "3.88", "ECR before LimitedLiability": "4.20", "Long-term Debt": "0.728", "Liabilities and Borrowings": "16.3", "Deposits": "0.349", "Property, Plant and Equipment": "-0.664", "Assets": "-0.401", "Assets and Securities": "8.03", "Other Assets": "-9.98", "Loans and Leases Receivable": "2.52", "Goodwill": "3.09", "Cash Deposits and Cash Equivalents": "-2.22", "Labor Expense": "-1.21", "Expenses": "-3.01", "Other Expenses": "-1.69", "Other Revenues": "-0.703", "Revenues": "-0.703", "Economic Capital Ratio": "4.11", "Other Net Income": "3.79"}, "2019": {"Long-term Debt": "0.649", "Liabilities": "6.85", "Stockholders Equity": "4.81", "ECR before LimitedLiability": "6.60", "Other Liabilities": "3.21", "Liabilities and Borrowings": "2.55", "Assets": "-1.22", "Other Assets": "-7.47", "Goodwill": "3.07", "Property, Plant and Equipment": "-0.629", "Cash Deposits and Cash Equivalents": "-2.31", "Assets and Securities": "7.60", "Expenses": "-4.47", "Revenues": "-0.708", "Net Income": "1.02", "Other Expenses": "-2.23", "Labor Expense": "-1.93", "Other Revenues": "-0.708", "Comprehensive Net Income": "1.15", "Other Net Income": "6.19", "Economic Capital Ratio": "6.57"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0000354647_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "44,673", "Cash Deposits and Cash Equivalents": "345,343", "Deposits": "4,604,548", "Fees": "0", "Goodwill": "55,097", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,654,877", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "6,001,522", "Other Compr. Net Income": "35,284", "Other Expenses": "39,071", "Other Liabilities": "-1,491,324", "Other Net Income": "120,804", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "36,280"}, "output_variables": {"Liabilities": "5,768,101", "Assets": "6,482,915", "Expenses": "39,071", "Revenues": "0", "Stockholders Equity": "714,814", "Net Income": "81,733", "Comprehensive Net Income": "117,017", "BaseVar": "6,479,722", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}, "2018": {"input_variables": {"Assets and Securities": "2,546,332", "Cash Deposits and Cash Equivalents": "171,618", "Deposits": "8,827,490", "Fees": "6,477", "Goodwill": "666,539", "IT and Equipment Expense": "0", "Labor Expense": "100,601", "Liabilities and Borrowings": "362,411", "Loans and Leases Receivable": "7,700,998", "Long-term Debt": "0", "Occupancy": "20,841", "Other Assets": "385,473", "Other Compr. Net Income": "-20,092", "Other Expenses": "94,477", "Other Liabilities": "488,062", "Other Net Income": "357,679", "Other Noninterest Expense": "16,627", "Other Revenues": "4,018", "Property, Plant and Equipment": "58,193"}, "output_variables": {"Liabilities": "9,677,963", "Assets": "11,529,153", "Expenses": "239,023", "Revenues": "4,018", "Stockholders Equity": "1,851,190", "Net Income": "122,674", "Comprehensive Net Income": "102,582", "BaseVar": "11,730,332", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}, "2019": {"input_variables": {"Assets and Securities": "2,524,846", "Cash Deposits and Cash Equivalents": "185,518", "Deposits": "8,704,928", "Fees": "7,752", "Goodwill": "663,707", "IT and Equipment Expense": "0", "Labor Expense": "119,475", "Liabilities and Borrowings": "3,565,736", "Loans and Leases Receivable": "7,495,917", "Long-term Debt": "0", "Occupancy": "21,289", "Other Assets": "358,484", "Other Compr. Net Income": "30,898", "Other Expenses": "116,208", "Other Liabilities": "-2,982,312", "Other Net Income": "440,857", "Other Noninterest Expense": "17,263", "Other Revenues": "5,798", "Property, Plant and Equipment": "53,978"}, "output_variables": {"Liabilities": "9,288,352", "Assets": "11,282,450", "Expenses": "281,987", "Revenues": "5,798", "Stockholders Equity": "1,994,098", "Net Income": "164,668", "Comprehensive Net Income": "195,566", "BaseVar": "11,663,966", "ECR before LimitedLiability": "22%", "Economic Capital Ratio": "22%"}}}, "top_rated": true, "trend": 9.0, "value": 0.21830554968455665, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000354647.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000354647.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000354647.svg"}, {"company_id": "0001747068", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001747068.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001747068.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001747068.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001747068_256x256.png", "name": "Metrocity Bankshares Inc", "rank": 6, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001747068.svg", "report_text": "The relative strengths and weaknesses of Metrocity 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 Metrocity Bankshares Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 21% points.The greatest weakness of Metrocity Bankshares Inc is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 34% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 22%, being 6.4% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001747068_2020_Metrocity_Bankshares_Inc.pdf", "shrinked_graph_json": {"2019": {"Liabilities": "1.63", "Stockholders Equity": "1.21", "ECR before LimitedLiability": "6.40", "Deposits": "-3.27", "Other Liabilities": "20.9", "Liabilities and Borrowings": "-34.3", "Expenses": "1.43", "Net Income": "6.04", "Other Expenses": "-2.05", "Labor Expense": "2.20", "Other Revenues": "-0.878", "Revenues": "-0.878", "Loans and Leases Receivable": "7.30", "Other Assets": "-5.97", "Goodwill": "-1.21", "Cash Deposits and Cash Equivalents": "9.17", "Assets and Securities": "-7.47", "Comprehensive Net Income": "5.14", "Other Net Income": "5.48", "Other Compr. Net Income": "-0.896", "Economic Capital Ratio": "6.38"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001747068_strength_weakness.svg", "table_records": {"2019": {"input_variables": {"Assets and Securities": "18,071", "Cash Deposits and Cash Equivalents": "276,413", "Deposits": "1,307,377", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,049,760", "Loans and Leases Receivable": "1,240,116", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "82,798", "Other Compr. Net Income": "103", "Other Expenses": "16,150", "Other Liabilities": "-942,003", "Other Net Income": "60,868", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "14,460"}, "output_variables": {"Liabilities": "1,415,134", "Assets": "1,631,858", "Expenses": "16,150", "Revenues": "0", "Stockholders Equity": "216,724", "Net Income": "44,718", "Comprehensive Net Income": "44,821", "BaseVar": "1,663,471", "ECR before LimitedLiability": "22%", "Economic Capital Ratio": "22%"}}}, "top_rated": true, "trend": null, "value": 0.2163298921095717, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001747068.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001747068.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001747068.svg"}, {"company_id": "0001331520", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001331520.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001331520.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001331520.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001331520_256x256.png", "name": "HOME Bancshares INC", "rank": 7, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001331520.svg", "report_text": "The relative strengths and weaknesses of HOME 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 HOME Bancshares INC compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 20% points.The greatest weakness of HOME Bancshares INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 36% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 21%, being 5.6% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001331520_2020_HOME_Bancshares_INC.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.16", "Liabilities": "2.81", "Stockholders Equity": "1.74", "ECR before LimitedLiability": "4.42", "Other Liabilities": "-27.4", "Liabilities and Borrowings": "16.4", "Deposits": "-3.06", "Other Assets": "16.7", "Assets": "-0.744", "Assets and Securities": "-3.08", "Loans and Leases Receivable": "-32.2", "Cash Deposits and Cash Equivalents": "-0.910", "Property, Plant and Equipment": "0.558", "Expenses": "-0.994", "Revenues": "-0.668", "Net Income": "3.10", "Other Expenses": "-1.09", "Other Revenues": "-0.668", "Other Net Income": "4.75", "Comprehensive Net Income": "2.85", "Economic Capital Ratio": "4.16"}, "2013": {"Long-term Debt": "0.909", "Liabilities": "0.960", "Stockholders Equity": "1.74", "ECR before LimitedLiability": "2.70", "Liabilities and Borrowings": "12.8", "Other Liabilities": "-21.2", "Deposits": "-6.29", "Goodwill": "2.48", "Assets": "0.790", "Loans and Leases Receivable": "-32.5", "Cash Deposits and Cash Equivalents": "-1.55", "Assets and Securities": "-3.60", "Other Assets": "13.0", "Property, Plant and Equipment": "0.973", "Expenses": "-0.300", "Net Income": "0.368", "Other Expenses": "-0.733", "Other Net Income": "0.825", "Other Compr. Net Income": "0.634", "Comprehensive Net Income": "1.000", "Economic Capital Ratio": "2.55"}, "2016": {"Liabilities and Borrowings": "17.5", "Liabilities": "3.83", "Stockholders Equity": "2.28", "ECR before LimitedLiability": "6.30", "Deposits": "4.62", "Other Liabilities": "-37.2", "Long-term Debt": "0.930", "Assets and Securities": "-3.93", "Assets": "-1.07", "Other Assets": "18.1", "Goodwill": "1.81", "Loans and Leases Receivable": "-34.7", "Cash Deposits and Cash Equivalents": "-1.54", "Other Expenses": "-2.47", "Expenses": "-1.72", "Revenues": "-0.532", "Net Income": "3.22", "Other Revenues": "-0.532", "Comprehensive Net Income": "3.70", "Other Net Income": "5.46", "Economic Capital Ratio": "6.26"}, "2018": {"Other Liabilities": "-38.6", "Liabilities": "1.34", "Assets": "2.14", "Stockholders Equity": "3.62", "ECR before LimitedLiability": "7.53", "Long-term Debt": "0.715", "Liabilities and Borrowings": "19.2", "Deposits": "2.85", "Assets and Securities": "-6.90", "Other Assets": "20.3", "Loans and Leases Receivable": "-33.3", "Goodwill": "3.42", "Labor Expense": "2.15", "Expenses": "2.53", "Revenues": "-0.809", "Net Income": "3.76", "Other Expenses": "-0.955", "Other Revenues": "-0.809", "Comprehensive Net Income": "4.01", "Other Net Income": "2.04", "Economic Capital Ratio": "7.44"}, "2019": {"Long-term Debt": "0.644", "Liabilities": "6.22", "Stockholders Equity": "3.93", "ECR before LimitedLiability": "5.66", "Deposits": "2.87", "Other Liabilities": "-36.1", "Liabilities and Borrowings": "20.3", "Loans and Leases Receivable": "3.14", "Assets": "-1.49", "Other Assets": "-8.54", "Goodwill": "3.44", "Cash Deposits and Cash Equivalents": "-1.18", "Assets and Securities": "2.05", "Expenses": "-4.32", "Net Income": "1.26", "Other Net Income": "5.82", "Other Expenses": "-2.51", "Occupancy": "-0.552", "Labor Expense": "-1.78", "Comprehensive Net Income": "1.11", "Economic Capital Ratio": "5.63"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001331520_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "64,253", "Cash Deposits and Cash Equivalents": "184,304", "Deposits": "2,858,031", "Fees": "0", "Goodwill": "59,663", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "3,207,432", "Other Compr. Net Income": "0", "Other Expenses": "29,601", "Other Liabilities": "272,020", "Other Net Income": "84,342", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "88,465"}, "output_variables": {"Liabilities": "3,130,051", "Assets": "3,604,117", "Expenses": "29,601", "Revenues": "0", "Stockholders Equity": "474,066", "Net Income": "54,741", "Comprehensive Net Income": "54,741", "BaseVar": "3,573,891", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}, "2013": {"input_variables": {"Assets and Securities": "81,215", "Cash Deposits and Cash Equivalents": "165,534", "Deposits": "5,393,046", "Fees": "0", "Goodwill": "301,736", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "6,066,152", "Other Compr. Net Income": "-16,141", "Other Expenses": "37,953", "Other Liabilities": "577,860", "Other Net Income": "104,473", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "197,224"}, "output_variables": {"Liabilities": "5,970,906", "Assets": "6,811,861", "Expenses": "37,953", "Revenues": "0", "Stockholders Equity": "840,955", "Net Income": "66,520", "Comprehensive Net Income": "50,379", "BaseVar": "6,679,183", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2016": {"input_variables": {"Assets and Securities": "129,300", "Cash Deposits and Cash Equivalents": "216,649", "Deposits": "6,942,427", "Fees": "0", "Goodwill": "377,983", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "8,879,232", "Other Compr. Net Income": "-3,777", "Other Expenses": "105,500", "Other Liabilities": "1,538,548", "Other Net Income": "282,646", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "205,301"}, "output_variables": {"Liabilities": "8,480,975", "Assets": "9,808,465", "Expenses": "105,500", "Revenues": "0", "Stockholders Equity": "1,327,490", "Net Income": "177,146", "Comprehensive Net Income": "173,369", "BaseVar": "9,856,060", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "18%"}}, "2018": {"input_variables": {"Assets and Securities": "183,806", "Cash Deposits and Cash Equivalents": "657,939", "Deposits": "10,899,778", "Fees": "0", "Goodwill": "958,408", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "13,269,024", "Other Compr. Net Income": "-9,404", "Other Expenses": "95,117", "Other Liabilities": "2,052,774", "Other Net Income": "395,520", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "233,261"}, "output_variables": {"Liabilities": "12,952,552", "Assets": "15,302,438", "Expenses": "95,117", "Revenues": "0", "Stockholders Equity": "2,349,886", "Net Income": "300,403", "Comprehensive Net Income": "290,999", "BaseVar": "15,035,069", "ECR before LimitedLiability": "20%", "Economic Capital Ratio": "20%"}}, "2019": {"input_variables": {"Assets and Securities": "2,297,683", "Cash Deposits and Cash Equivalents": "490,601", "Deposits": "11,278,383", "Fees": "0", "Goodwill": "958,408", "IT and Equipment Expense": "16,161", "Labor Expense": "154,177", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "10,767,588", "Long-term Debt": "0", "Occupancy": "35,452", "Other Assets": "237,664", "Other Compr. Net Income": "16,680", "Other Expenses": "157,849", "Other Liabilities": "1,242,133", "Other Net Income": "690,542", "Other Noninterest Expense": "0", "Other Revenues": "25,624", "Property, Plant and Equipment": "280,103"}, "output_variables": {"Liabilities": "12,520,516", "Assets": "15,032,047", "Expenses": "363,639", "Revenues": "25,624", "Stockholders Equity": "2,511,531", "Net Income": "352,527", "Comprehensive Net Income": "369,206", "BaseVar": "15,766,402", "ECR before LimitedLiability": "24%", "Economic Capital Ratio": "24%"}}}, "top_rated": true, "trend": -3.0, "value": 0.208891244127816, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001331520.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001331520.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001331520.svg"}, {"company_id": "0000887343", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000887343.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 8, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 Assets and Securities, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Columbia Banking System INC is the variable Other Assets, reducing the Economic Capital Ratio by 8.3% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 20%, being 5.1% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000887343_2020_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"}, "2013": {"Long-term Debt": "0.914", "Liabilities": "1.70", "Stockholders Equity": "3.80", "ECR before LimitedLiability": "3.45", "Liabilities and Borrowings": "-28.1", "Other Liabilities": "13.8", "Deposits": "-11.7", "Goodwill": "2.82", "Assets": "2.11", "Loans and Leases Receivable": "5.16", "Cash Deposits and Cash Equivalents": "-1.45", "Assets and Securities": "-2.22", "Other Assets": "-2.59", "Property, Plant and Equipment": "0.450", "Expenses": "0.365", "Revenues": "-0.160", "Comprehensive Net Income": "-0.315", "Labor Expense": "0.275", "Other Revenues": "-0.160", "Other Net Income": "-0.311", "Other Compr. Net Income": "-0.210", "Economic Capital Ratio": "3.30"}, "2014": {"Deposits": "-7.69", "Liabilities": "1.48", "Stockholders Equity": "3.10", "ECR before LimitedLiability": "3.45", "Other Liabilities": "16.2", "Liabilities and Borrowings": "-26.1", "Long-term Debt": "1.32", "Cash Deposits and Cash Equivalents": "-1.37", "Assets": "1.59", "Other Assets": "-0.296", "Property, Plant and Equipment": "0.379", "Assets and Securities": "-2.36", "Goodwill": "2.50", "Loans and Leases Receivable": "2.88", "Expenses": "0.350", "Revenues": "-0.296", "Net Income": "0.240", "Labor Expense": "0.328", "Other Revenues": "-0.296", "Comprehensive Net Income": "0.407", "Economic Capital Ratio": "3.42"}, "2015": {"Deposits": "-10.2", "Liabilities": "1.89", "Stockholders Equity": "2.95", "ECR before LimitedLiability": "3.53", "Long-term Debt": "1.22", "Other Liabilities": "14.6", "Liabilities and Borrowings": "-15.6", "Loans and Leases Receivable": "2.73", "Assets": "1.10", "Assets and Securities": "-2.14", "Cash Deposits and Cash Equivalents": "-1.47", "Goodwill": "2.37", "Other Assets": "-0.554", "Other Revenues": "-0.330", "Revenues": "-0.330", "Net Income": "0.792", "Comprehensive Net Income": "0.568", "Other Expenses": "-0.383", "Labor Expense": "0.286", "Other Net Income": "0.989", "Economic Capital Ratio": "3.49"}, "2016": {"Liabilities and Borrowings": "-13.8", "Liabilities": "0.956", "Stockholders Equity": "2.23", "ECR before LimitedLiability": "2.85", "Deposits": "-10.7", "Other Liabilities": "13.8", "Long-term Debt": "0.878", "Assets and Securities": "-2.89", "Assets": "1.24", "Other Assets": "1.49", "Goodwill": "2.00", "Loans and Leases Receivable": "2.01", "Cash Deposits and Cash Equivalents": "-1.36", "Expenses": "0.550", "Revenues": "-0.514", "Net Income": "0.599", "Labor Expense": "0.456", "Other Revenues": "-0.514", "Comprehensive Net Income": "0.692", "Other Net Income": "0.563", "Economic Capital Ratio": "2.81"}, "2017": {"Other Liabilities": "14.7", "Liabilities": "1.36", "Stockholders Equity": "3.90", "ECR before LimitedLiability": "3.95", "Liabilities and Borrowings": "-14.3", "Long-term Debt": "0.800", "Deposits": "-8.90", "Loans and Leases Receivable": "1.99", "Assets": "2.43", "Cash Deposits and Cash Equivalents": "-0.964", "Assets and Securities": "-2.84", "Other Assets": "1.03", "Goodwill": "3.42", "Expenses": "0.837", "Revenues": "-0.553", "Net Income": "0.134", "Labor Expense": "0.550", "Other Revenues": "-0.553", "Comprehensive Net Income": "0.197", "Other Net Income": "-0.151", "Economic Capital Ratio": "3.90"}, "2018": {"Assets": "3.98", "Long-term Debt": "0.688", "Stockholders Equity": "3.98", "ECR before LimitedLiability": "5.00", "Assets and Securities": "11.5", "Other Assets": "-10.7", "Loans and Leases Receivable": "2.73", "Goodwill": "3.20", "Cash Deposits and Cash Equivalents": "-1.56", "Labor Expense": "2.10", "Expenses": "3.68", "Revenues": "-0.790", "Net Income": "1.33", "Other Noninterest Expense": "0.495", "Other Revenues": "-0.790", "Other Liabilities": "12.6", "Liabilities and Borrowings": "-10.3", "Deposits": "-7.12", "Comprehensive Net Income": "1.41", "Other Net Income": "-1.57", "Economic Capital Ratio": "4.92"}, "2019": {"Loans and Leases Receivable": "-1.10", "Assets": "3.38", "Long-term Debt": "0.596", "Stockholders Equity": "3.41", "ECR before LimitedLiability": "5.11", "Other Assets": "-8.27", "Goodwill": "2.81", "Cash Deposits and Cash Equivalents": "-2.02", "Assets and Securities": "13.3", "Expenses": "3.77", "Revenues": "-0.845", "Net Income": "0.988", "Labor Expense": "2.12", "Other Revenues": "-0.845", "Deposits": "-2.76", "Liabilities and Borrowings": "-7.03", "Other Liabilities": "8.03", "Comprehensive Net Income": "2.21", "Other Net Income": "-1.93", "Other Compr. Net Income": "1.23", "Economic Capital Ratio": "5.08"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "217,289", "Cash Deposits and Cash Equivalents": "179,561", "Deposits": "5,959,475", "Fees": "0", "Goodwill": "343,952", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,875,024", "Loans and Leases Receivable": "4,444,842", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,821,206", "Other Compr. Net Income": "-32,193", "Other Expenses": "26,994", "Other Liabilities": "-3,726,166", "Other Net Income": "87,010", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "154,732"}, "output_variables": {"Liabilities": "6,108,333", "Assets": "7,161,582", "Expenses": "26,994", "Revenues": "0", "Stockholders Equity": "1,053,249", "Net Income": "60,016", "Comprehensive Net Income": "27,823", "BaseVar": "6,900,305", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2014": {"input_variables": {"Assets and Securities": "231,877", "Cash Deposits and Cash Equivalents": "188,170", "Deposits": "6,924,722", "Fees": "0", "Goodwill": "382,537", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,377,650", "Loans and Leases Receivable": "5,375,809", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "2,228,363", "Other Compr. Net Income": "-19,858", "Other Expenses": "38,363", "Other Liabilities": "-3,951,701", "Other Net Income": "121,423", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "172,090"}, "output_variables": {"Liabilities": "7,350,671", "Assets": "8,578,846", "Expenses": "38,363", "Revenues": "0", "Stockholders Equity": "1,228,175", "Net Income": "83,060", "Comprehensive Net Income": "63,201", "BaseVar": "8,290,812", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2015": {"input_variables": {"Assets and Securities": "235,854", "Cash Deposits and Cash Equivalents": "175,302", "Deposits": "7,438,829", "Fees": "0", "Goodwill": "382,762", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,033,981", "Loans and Leases Receivable": "5,746,855", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "2,246,685", "Other Compr. Net Income": "2,161", "Other Expenses": "45,341", "Other Liabilities": "-3,763,241", "Other Net Income": "148,110", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "164,239"}, "output_variables": {"Liabilities": "7,709,569", "Assets": "8,951,697", "Expenses": "45,341", "Revenues": "0", "Stockholders Equity": "1,242,128", "Net Income": "102,769", "Comprehensive Net Income": "104,930", "BaseVar": "8,685,670", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}, "2016": {"input_variables": {"Assets and Securities": "256,984", "Cash Deposits and Cash Equivalents": "224,238", "Deposits": "8,059,415", "Fees": "0", "Goodwill": "382,762", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,226,785", "Loans and Leases Receivable": "6,143,380", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "2,351,901", "Other Compr. Net Income": "-12,407", "Other Expenses": "45,751", "Other Liabilities": "-4,027,605", "Other Net Income": "152,155", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "150,342"}, "output_variables": {"Liabilities": "8,258,595", "Assets": "9,509,607", "Expenses": "45,751", "Revenues": "0", "Stockholders Equity": "1,251,012", "Net Income": "106,405", "Comprehensive Net Income": "93,997", "BaseVar": "9,265,819", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2017": {"input_variables": {"Assets and Securities": "284,621", "Cash Deposits and Cash Equivalents": "342,533", "Deposits": "10,532,085", "Fees": "0", "Goodwill": "765,842", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,550,530", "Loans and Leases Receivable": "8,283,011", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "2,871,389", "Other Compr. Net Income": "-4,271", "Other Expenses": "76,459", "Other Liabilities": "-5,315,651", "Other Net Income": "187,812", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "169,490"}, "output_variables": {"Liabilities": "10,766,964", "Assets": "12,716,886", "Expenses": "76,459", "Revenues": "0", "Stockholders Equity": "1,949,922", "Net Income": "111,354", "Comprehensive Net Income": "107,083", "BaseVar": "12,229,329", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}, "2018": {"input_variables": {"Assets and Securities": "3,447,698", "Cash Deposits and Cash Equivalents": "277,587", "Deposits": "10,458,126", "Fees": "0", "Goodwill": "765,842", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,338,201", "Loans and Leases Receivable": "8,308,142", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "127,088", "Other Compr. Net Income": "-7,747", "Other Expenses": "45,813", "Other Liabilities": "-4,734,831", "Other Net Income": "230,896", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "168,788"}, "output_variables": {"Liabilities": "11,061,496", "Assets": "13,095,145", "Expenses": "45,813", "Revenues": "0", "Stockholders Equity": "2,033,649", "Net Income": "185,084", "Comprehensive Net Income": "177,337", "BaseVar": "12,594,608", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "18%"}}, "2019": {"input_variables": {"Assets and Securities": "4,092,417", "Cash Deposits and Cash Equivalents": "247,673", "Deposits": "10,684,708", "Fees": "0", "Goodwill": "765,842", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,538,233", "Loans and Leases Receivable": "8,659,497", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "148,687", "Other Compr. Net Income": "22,424", "Other Expenses": "45,089", "Other Liabilities": "-4,303,379", "Other Net Income": "263,928", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "165,408"}, "output_variables": {"Liabilities": "11,919,562", "Assets": "14,079,524", "Expenses": "45,089", "Revenues": "0", "Stockholders Equity": "2,159,962", "Net Income": "218,840", "Comprehensive Net Income": "241,264", "BaseVar": "13,601,108", "ECR before LimitedLiability": "20%", "Economic Capital Ratio": "20%"}}}, "top_rated": true, "trend": 2.0, "value": 0.20337006807832173, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000887343.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000887343.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000887343.svg"}, {"company_id": "0001028918", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001028918.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 9, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 Other Liabilities, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Pacific Premier Bancorp INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 8.3% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 20%, being 5.0% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001028918_2020_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"}, "2013": {"Long-term Debt": "0.793", "Liabilities": "-1.26", "ECR before LimitedLiability": "-0.789", "Liabilities and Borrowings": "-26.9", "Other Liabilities": "9.49", "Deposits": "-3.65", "Assets": "1.12", "Comprehensive Net Income": "-0.690", "Loans and Leases Receivable": "8.14", "Cash Deposits and Cash Equivalents": "1.92", "Assets and Securities": "-4.07", "Other Assets": "-7.45", "Property, Plant and Equipment": "-0.709", "Expenses": "0.519", "Net Income": "-1.26", "Labor Expense": "0.248", "Other Revenues": "-0.145", "Revenues": "-0.145", "Other Compr. Net Income": "0.539", "Other Net Income": "-1.66", "Economic Capital Ratio": "-0.937"}, "2014": {"Deposits": "-4.93", "Liabilities": "-0.670", "Stockholders Equity": "-0.819", "ECR before LimitedLiability": "-1.20", "Other Liabilities": "-16.5", "Liabilities and Borrowings": "10.5", "Long-term Debt": "1.24", "Cash Deposits and Cash Equivalents": "0.931", "Assets": "-0.182", "Other Assets": "-9.62", "Property, Plant and Equipment": "-0.791", "Assets and Securities": "-4.01", "Loans and Leases Receivable": "10.4", "Other Revenues": "-0.290", "Revenues": "-0.290", "Net Income": "-0.359", "Comprehensive Net Income": "-0.325", "Other Expenses": "-0.532", "Labor Expense": "0.320", "Other Noninterest Expense": "0.0891", "Economic Capital Ratio": "-1.24"}, "2015": {"Deposits": "1.60", "Liabilities": "6.30", "Stockholders Equity": "-0.584", "Economic Capital Ratio": "0.435", "Long-term Debt": "1.28", "Other Liabilities": "11.9", "Liabilities and Borrowings": "-20.2", "Loans and Leases Receivable": "8.31", "Assets": "-6.77", "Assets and Securities": "-3.85", "Property, Plant and Equipment": "-0.948", "Cash Deposits and Cash Equivalents": "-1.16", "Other Assets": "-10.2", "Expenses": "-7.91", "Revenues": "1.58", "Net Income": "1.70", "Labor Expense": "-4.95", "Other Noninterest Expense": "-0.534", "Occupancy": "-1.06", "Other Revenues": "1.58", "Other Net Income": "6.76", "Other Compr. Net Income": "-1.78"}, "2016": {"Liabilities and Borrowings": "-14.6", "Liabilities": "6.27", "ECR before LimitedLiability": "1.09", "Deposits": "2.71", "Other Liabilities": "11.0", "Long-term Debt": "0.938", "Assets and Securities": "-4.83", "Assets": "-6.04", "Net Income": "2.15", "Property, Plant and Equipment": "-0.956", "Other Assets": "-8.59", "Goodwill": "0.772", "Loans and Leases Receivable": "7.70", "Expenses": "-6.78", "Revenues": "1.28", "Labor Expense": "-4.53", "Occupancy": "-0.831", "Other Revenues": "1.28", "Other Net Income": "6.72", "Economic Capital Ratio": "1.04", "Other Compr. Net Income": "-2.02"}, "2017": {"Other Liabilities": "13.8", "Liabilities": "6.98", "Stockholders Equity": "3.36", "ECR before LimitedLiability": "3.67", "Liabilities and Borrowings": "-16.8", "Long-term Debt": "0.860", "Deposits": "3.03", "Loans and Leases Receivable": "7.37", "Assets": "-3.00", "Cash Deposits and Cash Equivalents": "-1.34", "Assets and Securities": "-4.31", "Other Assets": "-6.84", "Goodwill": "3.43", "Expenses": "-5.15", "Revenues": "0.929", "Net Income": "1.40", "Labor Expense": "-3.53", "Other Revenues": "0.929", "Other Net Income": "5.55", "Economic Capital Ratio": "3.62", "Other Compr. Net Income": "-1.87"}, "2018": {"Other Liabilities": "12.8", "Liabilities": "6.25", "Stockholders Equity": "4.76", "ECR before LimitedLiability": "5.26", "Long-term Debt": "0.743", "Liabilities and Borrowings": "-12.6", "Deposits": "1.98", "Property, Plant and Equipment": "-0.627", "Assets": "-0.940", "Assets and Securities": "-1.08", "Other Assets": "-9.78", "Loans and Leases Receivable": "9.81", "Goodwill": "4.06", "Cash Deposits and Cash Equivalents": "-2.04", "Labor Expense": "-2.22", "Expenses": "-4.86", "Other Expenses": "-1.85", "Other Revenues": "-0.726", "Revenues": "-0.726", "Economic Capital Ratio": "5.17", "Other Net Income": "5.19"}, "2019": {"Long-term Debt": "0.644", "Liabilities": "6.64", "Stockholders Equity": "4.25", "ECR before LimitedLiability": "5.00", "Deposits": "2.46", "Other Liabilities": "10.8", "Liabilities and Borrowings": "-8.33", "Loans and Leases Receivable": "4.75", "Assets": "-1.60", "Other Assets": "-7.59", "Goodwill": "3.84", "Property, Plant and Equipment": "-0.623", "Cash Deposits and Cash Equivalents": "-1.55", "Expenses": "-5.19", "Other Expenses": "-1.73", "Occupancy": "-0.654", "Labor Expense": "-2.40", "Other Revenues": "-0.763", "Revenues": "-0.763", "Economic Capital Ratio": "4.97", "Other Net Income": "6.07"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "6,877", "Cash Deposits and Cash Equivalents": "126,813", "Deposits": "1,306,286", "Fees": "0", "Goodwill": "17,428", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "939,531", "Loans and Leases Receivable": "1,231,923", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "321,282", "Other Compr. Net Income": "-4,182", "Other Expenses": "5,587", "Other Liabilities": "-706,856", "Other Net Income": "14,580", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "9,864"}, "output_variables": {"Liabilities": "1,538,961", "Assets": "1,714,187", "Expenses": "5,587", "Revenues": "0", "Stockholders Equity": "175,226", "Net Income": "8,993", "Comprehensive Net Income": "4,811", "BaseVar": "1,670,767", "ECR before LimitedLiability": "9.4%", "Economic Capital Ratio": "9.5%"}}, "2014": {"input_variables": {"Assets and Securities": "10,743", "Cash Deposits and Cash Equivalents": "110,925", "Deposits": "1,630,826", "Fees": "0", "Goodwill": "22,950", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "131,635", "Loans and Leases Receivable": "1,616,422", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "268,692", "Other Compr. Net Income": "-4,176", "Other Expenses": "9,827", "Other Liabilities": "76,844", "Other Net Income": "25,325", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "9,165"}, "output_variables": {"Liabilities": "1,839,305", "Assets": "2,038,897", "Expenses": "9,827", "Revenues": "0", "Stockholders Equity": "199,592", "Net Income": "15,498", "Comprehensive Net Income": "11,322", "BaseVar": "2,010,483", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2015": {"input_variables": {"Assets and Securities": "24,005", "Cash Deposits and Cash Equivalents": "78,417", "Deposits": "2,195,123", "Fees": "3,890", "Goodwill": "50,832", "IT and Equipment Expense": "2,816", "Labor Expense": "38,456", "Liabilities and Borrowings": "1,483,352", "Loans and Leases Receivable": "2,236,998", "Long-term Debt": "0", "Occupancy": "8,205", "Other Assets": "391,146", "Other Compr. Net Income": "3,590", "Other Expenses": "15,970", "Other Liabilities": "-1,186,809", "Other Net Income": "460,014", "Other Noninterest Expense": "4,733", "Other Revenues": "14,441", "Property, Plant and Equipment": "9,248"}, "output_variables": {"Liabilities": "2,491,666", "Assets": "2,790,646", "Expenses": "74,070", "Revenues": "14,441", "Stockholders Equity": "298,980", "Net Income": "400,385", "Comprehensive Net Income": "403,975", "BaseVar": "3,643,244", "ECR before LimitedLiability": "64%", "Economic Capital Ratio": "64%"}}, "2016": {"input_variables": {"Assets and Securities": "25,874", "Cash Deposits and Cash Equivalents": "156,857", "Deposits": "3,145,485", "Fees": "4,427", "Goodwill": "102,490", "IT and Equipment Expense": "5,730", "Labor Expense": "61,349", "Liabilities and Borrowings": "1,959,813", "Loans and Leases Receivable": "3,220,317", "Long-term Debt": "0", "Occupancy": "10,244", "Other Assets": "518,759", "Other Compr. Net Income": "-30,048", "Other Expenses": "21,464", "Other Liabilities": "-1,528,727", "Other Net Income": "226,527", "Other Noninterest Expense": "10,182", "Other Revenues": "22,412", "Property, Plant and Equipment": "12,014"}, "output_variables": {"Liabilities": "3,576,571", "Assets": "4,036,311", "Expenses": "113,396", "Revenues": "22,412", "Stockholders Equity": "459,740", "Net Income": "135,543", "Comprehensive Net Income": "105,495", "BaseVar": "4,518,617", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "19%"}}, "2017": {"input_variables": {"Assets and Securities": "52,067", "Cash Deposits and Cash Equivalents": "200,064", "Deposits": "6,085,868", "Fees": "9,474", "Goodwill": "493,329", "IT and Equipment Expense": "26,512", "Labor Expense": "126,699", "Liabilities and Borrowings": "3,859,020", "Loans and Leases Receivable": "6,167,532", "Long-term Debt": "0", "Occupancy": "16,897", "Other Assets": "1,058,354", "Other Compr. Net Income": "-43,884", "Other Expenses": "157,891", "Other Liabilities": "-3,162,383", "Other Net Income": "709,471", "Other Noninterest Expense": "8,855", "Other Revenues": "45,397", "Property, Plant and Equipment": "53,155"}, "output_variables": {"Liabilities": "6,782,505", "Assets": "8,024,501", "Expenses": "346,328", "Revenues": "45,397", "Stockholders Equity": "1,241,996", "Net Income": "408,540", "Comprehensive Net Income": "364,656", "BaseVar": "9,481,824", "ECR before LimitedLiability": "31%", "Economic Capital Ratio": "31%"}}, "2018": {"input_variables": {"Assets and Securities": "1,178,889", "Cash Deposits and Cash Equivalents": "203,406", "Deposits": "8,658,351", "Fees": "23,363", "Goodwill": "808,726", "IT and Equipment Expense": "39,398", "Labor Expense": "305,689", "Liabilities and Borrowings": "5,162,614", "Loans and Leases Receivable": "8,800,746", "Long-term Debt": "0", "Occupancy": "46,167", "Other Assets": "430,929", "Other Compr. Net Income": "-12,047", "Other Expenses": "372,513", "Other Liabilities": "-4,303,275", "Other Net Income": "1,193,371", "Other Noninterest Expense": "17,748", "Other Revenues": "13,052", "Property, Plant and Equipment": "64,691"}, "output_variables": {"Liabilities": "9,517,690", "Assets": "11,487,387", "Expenses": "804,879", "Revenues": "13,052", "Stockholders Equity": "1,969,697", "Net Income": "401,544", "Comprehensive Net Income": "389,498", "BaseVar": "14,174,917", "ECR before LimitedLiability": "28%", "Economic Capital Ratio": "28%"}}, "2019": {"input_variables": {"Assets and Securities": "1,523,376", "Cash Deposits and Cash Equivalents": "326,850", "Deposits": "8,898,509", "Fees": "14,146", "Goodwill": "808,322", "IT and Equipment Expense": "11,355", "Labor Expense": "152,105", "Liabilities and Borrowings": "5,040,849", "Loans and Leases Receivable": "8,686,613", "Long-term Debt": "0", "Occupancy": "42,264", "Other Assets": "371,850", "Other Compr. Net Income": "61,170", "Other Expenses": "114,234", "Other Liabilities": "-4,175,940", "Other Net Income": "612,069", "Other Noninterest Expense": "17,585", "Other Revenues": "4,355", "Property, Plant and Equipment": "59,001"}, "output_variables": {"Liabilities": "9,763,418", "Assets": "11,776,012", "Expenses": "351,689", "Revenues": "4,355", "Stockholders Equity": "2,012,594", "Net Income": "264,736", "Comprehensive Net Income": "325,906", "BaseVar": "12,637,864", "ECR before LimitedLiability": "25%", "Economic Capital Ratio": "25%"}}}, "top_rated": true, "trend": -1.0, "value": 0.20225367266484498, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001028918.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001028918.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001028918.svg"}, {"company_id": "0001766526", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001766526.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001766526.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001766526.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001766526_256x256.png", "name": "Tectonic Financial Inc", "rank": 10, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001766526.svg", "report_text": "The relative strengths and weaknesses of Tectonic Financial Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Tectonic Financial Inc compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 18% points.The greatest weakness of Tectonic Financial Inc is the variable Expenses, reducing the Economic Capital Ratio by 28% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 20%, being 4.9% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001766526_2020_Tectonic_Financial_Inc.pdf", "shrinked_graph_json": {"2019": {"Liabilities": "18.0", "Assets": "-17.1", "ECR before LimitedLiability": "4.91", "Deposits": "15.1", "Other Liabilities": "-18.1", "Liabilities and Borrowings": "17.1", "Loans and Leases Receivable": "-1.41", "Other Assets": "-7.73", "Assets and Securities": "-9.22", "Other Noninterest Expense": "-2.50", "Expenses": "-27.9", "Net Income": "2.54", "Fees": "-1.61", "Other Expenses": "-3.77", "Occupancy": "-2.40", "Labor Expense": "-16.9", "Other Revenues": "9.06", "Revenues": "9.06", "Comprehensive Net Income": "1.65", "Other Net Income": "18.0", "Economic Capital Ratio": "4.88"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001766526_strength_weakness.svg", "table_records": {"2019": {"input_variables": {"Assets and Securities": "6,637", "Cash Deposits and Cash Equivalents": "20,203", "Deposits": "283,601", "Fees": "1,701", "Goodwill": "10,729", "IT and Equipment Expense": "981", "Labor Expense": "18,488", "Liabilities and Borrowings": "72,146", "Loans and Leases Receivable": "299,565", "Long-term Debt": "0", "Occupancy": "2,684", "Other Assets": "22,723", "Other Compr. Net Income": "263", "Other Expenses": "5,671", "Other Liabilities": "-41,165", "Other Net Income": "30,720", "Other Noninterest Expense": "2,896", "Other Revenues": "9,580", "Property, Plant and Equipment": "5,200"}, "output_variables": {"Liabilities": "314,582", "Assets": "365,057", "Expenses": "32,421", "Revenues": "9,580", "Stockholders Equity": "50,475", "Net Income": "7,879", "Comprehensive Net Income": "8,142", "BaseVar": "472,285", "ECR before LimitedLiability": "20%", "Economic Capital Ratio": "20%"}}}, "top_rated": true, "trend": null, "value": 0.20134581488328382, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001766526.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001766526.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001766526.svg"}, {"company_id": "0001068851", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001068851.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001068851.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001068851.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001068851_256x256.png", "name": "Prosperity Bancshares INC", "rank": 11, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001068851.svg", "report_text": "The relative strengths and weaknesses of Prosperity 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 Prosperity Bancshares INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 18% points.The greatest weakness of Prosperity Bancshares INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 27% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 20%, being 4.6% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001068851_2020_Prosperity_Bancshares_INC.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.17", "Liabilities": "3.90", "Stockholders Equity": "4.29", "ECR before LimitedLiability": "6.72", "Other Liabilities": "19.0", "Liabilities and Borrowings": "-36.5", "Deposits": "-7.32", "Other Assets": "15.2", "Assets": "0.644", "Goodwill": "6.26", "Assets and Securities": "-4.02", "Loans and Leases Receivable": "-12.3", "Cash Deposits and Cash Equivalents": "-2.92", "Expenses": "-0.703", "Revenues": "-0.666", "Net Income": "2.91", "Other Expenses": "-0.801", "Other Revenues": "-0.666", "Other Net Income": "4.28", "Comprehensive Net Income": "2.66", "Economic Capital Ratio": "6.47"}, "2014": {"Deposits": "-8.60", "Liabilities": "3.02", "Stockholders Equity": "3.67", "ECR before LimitedLiability": "5.03", "Other Liabilities": "18.0", "Liabilities and Borrowings": "-37.4", "Long-term Debt": "1.36", "Cash Deposits and Cash Equivalents": "-0.700", "Assets": "0.816", "Other Assets": "-16.2", "Assets and Securities": "18.0", "Goodwill": "5.77", "Loans and Leases Receivable": "-11.4", "Expenses": "-0.678", "Net Income": "1.90", "Other Expenses": "-1.22", "Labor Expense": "0.333", "Other Compr. Net Income": "-0.669", "Comprehensive Net Income": "1.23", "Other Net Income": "2.88", "Economic Capital Ratio": "5.00"}, "2016": {"Liabilities and Borrowings": "-32.4", "Liabilities": "2.97", "Stockholders Equity": "5.02", "ECR before LimitedLiability": "6.76", "Deposits": "-4.59", "Other Liabilities": "18.4", "Long-term Debt": "0.907", "Assets and Securities": "18.5", "Assets": "2.08", "Other Assets": "16.1", "Goodwill": "5.49", "Loans and Leases Receivable": "-33.8", "Cash Deposits and Cash Equivalents": "-1.60", "Other Revenues": "-0.518", "Revenues": "-0.518", "Net Income": "1.15", "Other Compr. Net Income": "0.604", "Comprehensive Net Income": "1.76", "Other Expenses": "-0.709", "Other Net Income": "1.65", "Economic Capital Ratio": "6.72"}, "2017": {"Other Liabilities": "18.8", "Liabilities": "2.93", "Stockholders Equity": "5.28", "ECR before LimitedLiability": "6.64", "Liabilities and Borrowings": "-30.4", "Long-term Debt": "0.821", "Deposits": "-5.05", "Loans and Leases Receivable": "-12.4", "Assets": "2.35", "Cash Deposits and Cash Equivalents": "-1.65", "Assets and Securities": "19.0", "Other Assets": "-12.9", "Goodwill": "5.27", "Expenses": "0.528", "Revenues": "-0.558", "Net Income": "1.39", "Labor Expense": "0.556", "Other Revenues": "-0.558", "Comprehensive Net Income": "1.40", "Other Net Income": "1.42", "Economic Capital Ratio": "6.59"}, "2018": {"Other Liabilities": "19.5", "Liabilities": "0.991", "Stockholders Equity": "6.10", "ECR before LimitedLiability": "8.00", "Long-term Debt": "0.702", "Liabilities and Borrowings": "-28.9", "Deposits": "-4.17", "Assets": "4.68", "Assets and Securities": "20.1", "Other Assets": "-10.0", "Loans and Leases Receivable": "-9.45", "Goodwill": "5.15", "Cash Deposits and Cash Equivalents": "-1.74", "Labor Expense": "2.11", "Expenses": "3.44", "Revenues": "-0.792", "Net Income": "1.77", "Other Revenues": "-0.792", "Comprehensive Net Income": "2.27", "Other Net Income": "-0.879", "Economic Capital Ratio": "7.91"}, "2019": {"Loans and Leases Receivable": "-1.83", "Assets": "6.13", "Long-term Debt": "0.584", "Stockholders Equity": "6.53", "Comprehensive Net Income": "-1.09", "ECR before LimitedLiability": "4.65", "Other Assets": "-7.64", "Goodwill": "6.53", "Cash Deposits and Cash Equivalents": "-1.93", "Assets and Securities": "12.3", "Expenses": "3.91", "Other Expenses": "0.620", "Labor Expense": "2.08", "Other Revenues": "-0.830", "Revenues": "-0.830", "Deposits": "-4.69", "Liabilities and Borrowings": "-27.4", "Other Liabilities": "18.4", "Other Compr. Net Income": "-0.866", "Other Net Income": "-3.31", "Economic Capital Ratio": "4.63"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001068851_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "31,429", "Cash Deposits and Cash Equivalents": "213,442", "Deposits": "8,060,254", "Fees": "0", "Goodwill": "924,537", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "6,140,439", "Loans and Leases Receivable": "3,714,312", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "4,779,295", "Other Compr. Net Income": "0", "Other Expenses": "72,017", "Other Liabilities": "-5,945,287", "Other Net Income": "213,766", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "159,656"}, "output_variables": {"Liabilities": "8,255,406", "Assets": "9,822,671", "Expenses": "72,017", "Revenues": "0", "Stockholders Equity": "1,567,265", "Net Income": "141,749", "Comprehensive Net Income": "141,749", "BaseVar": "9,557,735", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "19%"}}, "2014": {"input_variables": {"Assets and Securities": "9,151,066", "Cash Deposits and Cash Equivalents": "677,854", "Deposits": "17,693,158", "Fees": "0", "Goodwill": "1,874,191", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "12,840,243", "Loans and Leases Receivable": "9,163,421", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "359,652", "Other Compr. Net Income": "-1,154", "Other Expenses": "148,308", "Other Liabilities": "-12,270,494", "Other Net Income": "445,749", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "281,549"}, "output_variables": {"Liabilities": "18,262,907", "Assets": "21,507,733", "Expenses": "148,308", "Revenues": "0", "Stockholders Equity": "3,244,826", "Net Income": "297,441", "Comprehensive Net Income": "296,287", "BaseVar": "20,965,628", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "18%"}}, "2016": {"input_variables": {"Assets and Securities": "9,776,926", "Cash Deposits and Cash Equivalents": "437,381", "Deposits": "17,307,302", "Fees": "0", "Goodwill": "1,900,845", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "13,175,039", "Loans and Leases Receivable": "26,975", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "9,926,862", "Other Compr. Net Income": "-629", "Other Expenses": "134,192", "Other Liabilities": "-11,793,580", "Other Net Income": "408,658", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "262,083"}, "output_variables": {"Liabilities": "18,688,761", "Assets": "22,331,072", "Expenses": "134,192", "Revenues": "0", "Stockholders Equity": "3,642,311", "Net Income": "274,466", "Comprehensive Net Income": "273,837", "BaseVar": "21,496,331", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "19%"}}, "2017": {"input_variables": {"Assets and Securities": "9,689,079", "Cash Deposits and Cash Equivalents": "392,313", "Deposits": "17,821,460", "Fees": "0", "Goodwill": "1,900,845", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "12,812,717", "Loans and Leases Receivable": "9,936,732", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "411,258", "Other Compr. Net Income": "-1,321", "Other Expenses": "133,905", "Other Liabilities": "-11,871,039", "Other Net Income": "406,068", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "257,065"}, "output_variables": {"Liabilities": "18,763,138", "Assets": "22,587,292", "Expenses": "133,905", "Revenues": "0", "Stockholders Equity": "3,824,154", "Net Income": "272,163", "Comprehensive Net Income": "270,842", "BaseVar": "21,657,663", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "19%"}}, "2018": {"input_variables": {"Assets and Securities": "9,432,997", "Cash Deposits and Cash Equivalents": "411,127", "Deposits": "17,256,558", "Fees": "0", "Goodwill": "1,900,845", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "12,685,542", "Loans and Leases Receivable": "10,283,873", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "407,514", "Other Compr. Net Income": "-1,119", "Other Expenses": "81,132", "Other Liabilities": "-11,301,522", "Other Net Income": "403,032", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "257,046"}, "output_variables": {"Liabilities": "18,640,578", "Assets": "22,693,402", "Expenses": "81,132", "Revenues": "0", "Stockholders Equity": "4,052,824", "Net Income": "321,900", "Comprehensive Net Income": "320,781", "BaseVar": "21,547,779", "ECR before LimitedLiability": "21%", "Economic Capital Ratio": "21%"}}, "2019": {"input_variables": {"Assets and Securities": "8,723,345", "Cash Deposits and Cash Equivalents": "574,108", "Deposits": "24,199,732", "Fees": "0", "Goodwill": "3,223,671", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "17,939,296", "Loans and Leases Receivable": "18,757,877", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "579,875", "Other Compr. Net Income": "330", "Other Expenses": "86,554", "Other Liabilities": "-15,924,155", "Other Net Income": "419,217", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "326,832"}, "output_variables": {"Liabilities": "26,214,873", "Assets": "32,185,708", "Expenses": "86,554", "Revenues": "0", "Stockholders Equity": "5,970,835", "Net Income": "332,663", "Comprehensive Net Income": "332,992", "BaseVar": "30,118,863", "ECR before LimitedLiability": "20%", "Economic Capital Ratio": "20%"}}}, "top_rated": true, "trend": -8.0, "value": 0.198825744999443, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001068851.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001068851.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001068851.svg"}, {"company_id": "0000868671", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000868671.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 12, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 19% points.The greatest weakness of Glacier Bancorp INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 72% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 19%, being 4.1% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000868671_2020_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"}, "2013": {"Long-term Debt": "0.909", "Liabilities": "1.08", "Stockholders Equity": "1.61", "ECR before LimitedLiability": "2.54", "Liabilities and Borrowings": "-26.7", "Other Liabilities": "-54.8", "Deposits": "12.8", "Goodwill": "0.400", "Assets": "0.560", "Loans and Leases Receivable": "-4.67", "Cash Deposits and Cash Equivalents": "-1.89", "Assets and Securities": "-3.97", "Other Assets": "9.38", "Property, Plant and Equipment": "0.394", "Expenses": "0.381", "Net Income": "1.25", "Labor Expense": "0.275", "Other Net Income": "1.04", "Other Compr. Net Income": "-0.314", "Comprehensive Net Income": "0.944", "Economic Capital Ratio": "2.39"}, "2014": {"Deposits": "15.8", "Liabilities": "0.980", "Stockholders Equity": "1.35", "ECR before LimitedLiability": "2.85", "Other Liabilities": "-50.5", "Liabilities and Borrowings": "-33.9", "Long-term Debt": "1.32", "Cash Deposits and Cash Equivalents": "0.885", "Assets": "0.408", "Other Assets": "-15.8", "Property, Plant and Equipment": "0.471", "Assets and Securities": "15.7", "Loans and Leases Receivable": "-5.19", "Expenses": "0.338", "Revenues": "-0.298", "Net Income": "1.75", "Labor Expense": "0.330", "Other Revenues": "-0.298", "Comprehensive Net Income": "1.49", "Other Net Income": "1.71", "Economic Capital Ratio": "2.81"}, "2015": {"Deposits": "14.0", "Liabilities": "0.893", "Stockholders Equity": "1.17", "ECR before LimitedLiability": "2.22", "Long-term Debt": "1.20", "Other Liabilities": "-55.3", "Liabilities and Borrowings": "-28.1", "Loans and Leases Receivable": "-4.86", "Assets": "0.320", "Assets and Securities": "14.0", "Property, Plant and Equipment": "0.491", "Cash Deposits and Cash Equivalents": "-1.37", "Other Assets": "-15.6", "Expenses": "0.550", "Net Income": "1.41", "Other Revenues": "-0.329", "Revenues": "-0.329", "Other Compr. Net Income": "-0.373", "Comprehensive Net Income": "1.04", "Other Net Income": "1.19", "Economic Capital Ratio": "2.18"}, "2016": {"Liabilities and Borrowings": "-28.2", "Liabilities": "0.355", "Stockholders Equity": "1.06", "ECR before LimitedLiability": "2.48", "Deposits": "14.2", "Other Liabilities": "-57.1", "Long-term Debt": "0.875", "Assets and Securities": "14.1", "Assets": "0.671", "Property, Plant and Equipment": "0.303", "Other Assets": "-13.6", "Loans and Leases Receivable": "-2.63", "Cash Deposits and Cash Equivalents": "-1.92", "Expenses": "0.765", "Revenues": "-0.514", "Net Income": "1.25", "Labor Expense": "0.455", "Other Revenues": "-0.514", "Comprehensive Net Income": "1.48", "Other Net Income": "1.00", "Economic Capital Ratio": "2.43"}, "2017": {"Other Liabilities": "-62.6", "Liabilities": "0.847", "Assets": "0.347", "Stockholders Equity": "1.16", "ECR before LimitedLiability": "2.65", "Liabilities and Borrowings": "-25.9", "Long-term Debt": "0.802", "Deposits": "15.0", "Loans and Leases Receivable": "1.62", "Cash Deposits and Cash Equivalents": "-1.50", "Assets and Securities": "12.9", "Other Assets": "-13.4", "Expenses": "0.310", "Revenues": "-0.559", "Net Income": "1.24", "Other Expenses": "-0.571", "Labor Expense": "0.556", "Other Revenues": "-0.559", "Comprehensive Net Income": "1.51", "Other Net Income": "1.49", "Economic Capital Ratio": "2.61"}, "2018": {"Other Liabilities": "-66.6", "Liabilities": "-1.66", "Stockholders Equity": "1.27", "ECR before LimitedLiability": "3.09", "Long-term Debt": "0.682", "Liabilities and Borrowings": "-24.6", "Deposits": "15.9", "Assets": "2.52", "Assets and Securities": "9.51", "Other Assets": "-10.1", "Loans and Leases Receivable": "4.77", "Goodwill": "0.548", "Cash Deposits and Cash Equivalents": "-1.93", "Labor Expense": "2.10", "Expenses": "3.56", "Revenues": "-0.792", "Net Income": "1.93", "Other Revenues": "-0.792", "Comprehensive Net Income": "2.17", "Other Net Income": "-0.860", "Economic Capital Ratio": "3.01"}, "2019": {"Liabilities": "-0.930", "Stockholders Equity": "2.50", "ECR before LimitedLiability": "4.09", "Deposits": "19.3", "Other Liabilities": "-71.6", "Liabilities and Borrowings": "-21.9", "Loans and Leases Receivable": "3.89", "Assets": "2.97", "Other Assets": "-7.53", "Goodwill": "1.23", "Property, Plant and Equipment": "0.724", "Cash Deposits and Cash Equivalents": "-1.58", "Assets and Securities": "7.08", "Expenses": "3.69", "Revenues": "-0.845", "Net Income": "1.57", "Labor Expense": "2.12", "Other Revenues": "-0.845", "Comprehensive Net Income": "2.11", "Other Net Income": "-1.27", "Economic Capital Ratio": "4.06"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "55,251", "Cash Deposits and Cash Equivalents": "155,657", "Deposits": "0", "Fees": "0", "Goodwill": "129,706", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,264,038", "Loans and Leases Receivable": "3,932,487", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "3,443,578", "Other Compr. Net Income": "-38,317", "Other Expenses": "30,017", "Other Liabilities": "2,657,062", "Other Net Income": "125,661", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "167,671"}, "output_variables": {"Liabilities": "6,921,100", "Assets": "7,884,350", "Expenses": "30,017", "Revenues": "0", "Stockholders Equity": "963,250", "Net Income": "95,644", "Comprehensive Net Income": "57,327", "BaseVar": "7,754,826", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2014": {"input_variables": {"Assets and Securities": "2,976,253", "Cash Deposits and Cash Equivalents": "442,409", "Deposits": "0", "Fees": "0", "Goodwill": "129,706", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,822,146", "Loans and Leases Receivable": "4,358,342", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "220,622", "Other Compr. Net Income": "8,099", "Other Expenses": "35,909", "Other Liabilities": "2,456,314", "Other Net Income": "148,664", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "179,175"}, "output_variables": {"Liabilities": "7,278,460", "Assets": "8,306,507", "Expenses": "35,909", "Revenues": "0", "Stockholders Equity": "1,028,047", "Net Income": "112,755", "Comprehensive Net Income": "120,854", "BaseVar": "8,142,183", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}, "2015": {"input_variables": {"Assets and Securities": "3,383,949", "Cash Deposits and Cash Equivalents": "193,253", "Deposits": "0", "Fees": "0", "Goodwill": "140,638", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,147,362", "Loans and Leases Receivable": "4,948,984", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "228,378", "Other Compr. Net Income": "-347", "Other Expenses": "32,112", "Other Liabilities": "2,865,220", "Other Net Income": "150,920", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "194,030"}, "output_variables": {"Liabilities": "8,012,582", "Assets": "9,089,232", "Expenses": "32,112", "Revenues": "0", "Stockholders Equity": "1,076,650", "Net Income": "118,807", "Comprehensive Net Income": "118,460", "BaseVar": "8,883,740", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2016": {"input_variables": {"Assets and Securities": "3,175,186", "Cash Deposits and Cash Equivalents": "152,541", "Deposits": "0", "Fees": "0", "Goodwill": "147,053", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,436,905", "Loans and Leases Receivable": "5,554,891", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "244,731", "Other Compr. Net Income": "-12,993", "Other Expenses": "44,776", "Other Liabilities": "2,896,826", "Other Net Income": "166,619", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "176,198"}, "output_variables": {"Liabilities": "8,333,731", "Assets": "9,450,600", "Expenses": "44,776", "Revenues": "0", "Stockholders Equity": "1,116,869", "Net Income": "121,843", "Comprehensive Net Income": "108,850", "BaseVar": "9,299,430", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2017": {"input_variables": {"Assets and Securities": "2,522,954", "Cash Deposits and Cash Equivalents": "200,004", "Deposits": "0", "Fees": "0", "Goodwill": "177,811", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,349,237", "Loans and Leases Receivable": "6,448,256", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "179,976", "Other Compr. Net Income": "-2,431", "Other Expenses": "114,442", "Other Liabilities": "3,158,055", "Other Net Income": "192,844", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "177,348"}, "output_variables": {"Liabilities": "8,507,292", "Assets": "9,706,349", "Expenses": "114,442", "Revenues": "0", "Stockholders Equity": "1,199,057", "Net Income": "78,402", "Comprehensive Net Income": "75,971", "BaseVar": "9,668,957", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2018": {"input_variables": {"Assets and Securities": "2,946,229", "Cash Deposits and Cash Equivalents": "203,790", "Deposits": "0", "Fees": "0", "Goodwill": "289,586", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "6,623,823", "Loans and Leases Receivable": "8,156,310", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "278,041", "Other Compr. Net Income": "-239", "Other Expenses": "44,069", "Other Liabilities": "3,975,807", "Other Net Income": "253,227", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "241,528"}, "output_variables": {"Liabilities": "10,599,630", "Assets": "12,115,484", "Expenses": "44,069", "Revenues": "0", "Stockholders Equity": "1,515,854", "Net Income": "209,158", "Comprehensive Net Income": "208,919", "BaseVar": "11,897,581", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}, "2019": {"input_variables": {"Assets and Securities": "2,881,234", "Cash Deposits and Cash Equivalents": "330,961", "Deposits": "0", "Fees": "0", "Goodwill": "456,418", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "7,273,604", "Loans and Leases Receivable": "9,388,320", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "316,757", "Other Compr. Net Income": "10,353", "Other Expenses": "47,064", "Other Liabilities": "4,449,662", "Other Net Income": "294,433", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "310,309"}, "output_variables": {"Liabilities": "11,723,266", "Assets": "13,683,999", "Expenses": "47,064", "Revenues": "0", "Stockholders Equity": "1,960,733", "Net Income": "247,369", "Comprehensive Net Income": "257,722", "BaseVar": "13,342,239", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "19%"}}}, "top_rated": true, "trend": 7.0, "value": 0.19319529160388127, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000868671.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000868671.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000868671.svg"}, {"company_id": "0000035527", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000035527.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 13, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 Other Liabilities, increasing the Economic Capital Ratio by 17% points.The greatest weakness of Fifth Third Bancorp is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 19% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 19%, being 3.8% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000035527_2020_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"}, "2013": {"Long-term Debt": "-5.81", "Liabilities": "1.10", "Stockholders Equity": "0.712", "ECR before LimitedLiability": "3.40", "Liabilities and Borrowings": "13.1", "Other Liabilities": "-15.0", "Deposits": "-2.44", "Goodwill": "0.542", "Assets": "-0.279", "Loans and Leases Receivable": "6.93", "Cash Deposits and Cash Equivalents": "-1.58", "Assets and Securities": "3.26", "Other Assets": "-9.30", "Expenses": "-0.405", "Net Income": "1.93", "Other Expenses": "-0.843", "Labor Expense": "0.279", "Other Net Income": "2.48", "Other Compr. Net Income": "0.731", "Comprehensive Net Income": "2.64", "Economic Capital Ratio": "3.25"}, "2014": {"Cash Deposits and Cash Equivalents": "-1.40", "Assets": "0.297", "Deposits": "0.572", "Stockholders Equity": "0.443", "ECR before LimitedLiability": "1.35", "Other Assets": "-6.01", "Assets and Securities": "4.37", "Goodwill": "0.426", "Loans and Leases Receivable": "3.07", "Expenses": "0.489", "Revenues": "-0.296", "Net Income": "0.629", "Labor Expense": "0.327", "Other Revenues": "-0.296", "Long-term Debt": "-8.73", "Liabilities and Borrowings": "13.4", "Other Liabilities": "-15.7", "Comprehensive Net Income": "0.944", "Other Net Income": "0.436", "Other Compr. Net Income": "0.316", "Economic Capital Ratio": "1.31"}, "2015": {"Deposits": "0.397", "Liabilities": "0.750", "Loans and Leases Receivable": "2.85", "Stockholders Equity": "0.642", "ECR before LimitedLiability": "1.48", "Long-term Debt": "-9.20", "Other Liabilities": "13.1", "Liabilities and Borrowings": "-19.0", "Other Revenues": "-0.329", "Revenues": "-0.329", "Net Income": "1.12", "Assets and Securities": "1.63", "Cash Deposits and Cash Equivalents": "-1.63", "Goodwill": "0.416", "Other Assets": "-3.30", "Other Compr. Net Income": "-0.319", "Comprehensive Net Income": "0.803", "Other Expenses": "-0.311", "Labor Expense": "0.284", "Other Net Income": "1.24", "Economic Capital Ratio": "1.44"}, "2016": {"Liabilities and Borrowings": "-18.8", "Liabilities": "-0.301", "Assets": "0.955", "Stockholders Equity": "0.762", "ECR before LimitedLiability": "1.43", "Deposits": "0.729", "Other Liabilities": "12.9", "Long-term Debt": "-8.50", "Assets and Securities": "0.785", "Goodwill": "0.249", "Loans and Leases Receivable": "1.69", "Cash Deposits and Cash Equivalents": "-1.86", "Other Expenses": "0.278", "Expenses": "0.994", "Revenues": "-0.509", "Net Income": "0.555", "Labor Expense": "0.450", "Other Revenues": "-0.509", "Comprehensive Net Income": "0.798", "Other Compr. Net Income": "0.244", "Economic Capital Ratio": "1.39"}, "2017": {"Other Liabilities": "14.3", "Liabilities": "0.110", "Assets": "0.340", "Stockholders Equity": "0.477", "ECR before LimitedLiability": "3.04", "Liabilities and Borrowings": "-19.1", "Long-term Debt": "-9.07", "Deposits": "2.80", "Cash Deposits and Cash Equivalents": "-1.70", "Assets and Securities": "0.843", "Other Assets": "1.23", "Expenses": "1.31", "Revenues": "-0.557", "Net Income": "2.55", "Other Expenses": "0.431", "Occupancy": "0.107", "Labor Expense": "0.554", "Other Revenues": "-0.557", "Comprehensive Net Income": "2.63", "Other Net Income": "1.80", "Economic Capital Ratio": "3.00"}, "2018": {"Other Liabilities": "13.9", "Liabilities": "5.21", "Assets": "-5.18", "ECR before LimitedLiability": "1.61", "Long-term Debt": "-8.46", "Liabilities and Borrowings": "-19.8", "Deposits": "6.18", "Assets and Securities": "-4.25", "Other Assets": "14.4", "Loans and Leases Receivable": "-36.7", "Cash Deposits and Cash Equivalents": "-2.17", "Labor Expense": "-2.37", "Expenses": "-6.47", "Net Income": "1.48", "Other Noninterest Expense": "-2.05", "Other Expenses": "-1.09", "Other Revenues": "2.87", "Revenues": "2.87", "Comprehensive Net Income": "1.54", "Other Net Income": "4.91", "Economic Capital Ratio": "1.52"}, "2019": {"Long-term Debt": "-7.84", "Liabilities": "6.53", "Assets": "-5.21", "Comprehensive Net Income": "2.81", "ECR before LimitedLiability": "3.78", "Deposits": "6.40", "Other Liabilities": "17.3", "Liabilities and Borrowings": "-19.5", "Loans and Leases Receivable": "-4.32", "Other Assets": "6.08", "Cash Deposits and Cash Equivalents": "-2.29", "Assets and Securities": "-4.58", "Other Noninterest Expense": "-2.31", "Expenses": "-6.59", "Revenues": "3.15", "Labor Expense": "-2.22", "IT and Equipment Expense": "-0.953", "Other Revenues": "3.15", "Other Compr. Net Income": "2.00", "Other Net Income": "4.25", "Economic Capital Ratio": "3.75"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "13,817,000", "Cash Deposits and Cash Equivalents": "3,178,000", "Deposits": "99,275,000", "Fees": "0", "Goodwill": "2,416,000", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,487,000", "Loans and Leases Receivable": "87,032,000", "Long-term Debt": "9,633,000", "Occupancy": "0", "Other Assets": "21,469,000", "Other Compr. Net Income": "-283,000", "Other Expenses": "772,000", "Other Liabilities": "3,422,000", "Other Net Income": "2,598,000", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "2,531,000"}, "output_variables": {"Liabilities": "115,817,000", "Assets": "130,443,000", "Expenses": "772,000", "Revenues": "0", "Stockholders Equity": "14,626,000", "Net Income": "1,826,000", "Comprehensive Net Income": "1,543,000", "BaseVar": "129,760,195", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2014": {"input_variables": {"Assets and Securities": "16,515,000", "Cash Deposits and Cash Equivalents": "3,091,000", "Deposits": "101,712,000", "Fees": "0", "Goodwill": "2,416,000", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,642,000", "Loans and Leases Receivable": "88,762,000", "Long-term Debt": "14,967,000", "Occupancy": "0", "Other Assets": "25,457,000", "Other Compr. Net Income": "345,000", "Other Expenses": "545,000", "Other Liabilities": "3,720,000", "Other Net Income": "2,028,000", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "2,465,000"}, "output_variables": {"Liabilities": "123,041,000", "Assets": "138,706,000", "Expenses": "545,000", "Revenues": "0", "Stockholders Equity": "15,665,000", "Net Income": "1,483,000", "Comprehensive Net Income": "1,828,000", "BaseVar": "136,169,670", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2015": {"input_variables": {"Assets and Securities": "11,056,000", "Cash Deposits and Cash Equivalents": "2,540,000", "Deposits": "103,205,000", "Fees": "0", "Goodwill": "2,416,000", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "69,279,000", "Loans and Leases Receivable": "92,213,000", "Long-term Debt": "15,844,000", "Occupancy": "0", "Other Assets": "30,618,000", "Other Compr. Net Income": "342,376", "Other Expenses": "666,625", "Other Liabilities": "-63,116,000", "Other Net Income": "2,395,459", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "2,239,000"}, "output_variables": {"Liabilities": "125,212,000", "Assets": "141,082,000", "Expenses": "666,625", "Revenues": "0", "Stockholders Equity": "15,870,000", "Net Income": "1,728,834", "Comprehensive Net Income": "2,071,210", "BaseVar": "139,326,094", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2016": {"input_variables": {"Assets and Securities": "11,008,000", "Cash Deposits and Cash Equivalents": "2,392,000", "Deposits": "103,821,000", "Fees": "0", "Goodwill": "2,416,000", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "70,308,000", "Loans and Leases Receivable": "91,596,000", "Long-term Debt": "14,388,000", "Occupancy": "0", "Other Assets": "32,700,000", "Other Compr. Net Income": "-175,904", "Other Expenses": "501,050", "Other Liabilities": "-62,572,000", "Other Net Income": "2,044,932", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "2,065,000"}, "output_variables": {"Liabilities": "125,945,000", "Assets": "142,177,000", "Expenses": "501,050", "Revenues": "0", "Stockholders Equity": "16,232,000", "Net Income": "1,543,882", "Comprehensive Net Income": "1,367,979", "BaseVar": "139,001,222", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2017": {"input_variables": {"Assets and Securities": "10,590,000", "Cash Deposits and Cash Equivalents": "2,514,000", "Deposits": "103,162,000", "Fees": "0", "Goodwill": "2,445,000", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "70,030,000", "Loans and Leases Receivable": "91,266,000", "Long-term Debt": "14,904,000", "Occupancy": "0", "Other Assets": "33,375,000", "Other Compr. Net Income": "-50,531", "Other Expenses": "577,156", "Other Liabilities": "-62,288,000", "Other Net Income": "2,788,074", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "2,003,000"}, "output_variables": {"Liabilities": "125,808,000", "Assets": "142,193,000", "Expenses": "577,156", "Revenues": "0", "Stockholders Equity": "16,385,000", "Net Income": "2,210,918", "Comprehensive Net Income": "2,160,386", "BaseVar": "140,200,106", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2018": {"input_variables": {"Assets and Securities": "9,484,000", "Cash Deposits and Cash Equivalents": "2,681,000", "Deposits": "108,835,000", "Fees": "0", "Goodwill": "2,478,000", "IT and Equipment Expense": "408,000", "Labor Expense": "1,783,000", "Liabilities and Borrowings": "79,217,000", "Loans and Leases Receivable": "607,000", "Long-term Debt": "14,426,000", "Occupancy": "292,000", "Other Assets": "128,958,000", "Other Compr. Net Income": "-94,229", "Other Expenses": "1,058,221", "Other Liabilities": "-72,659,000", "Other Net Income": "6,377,005", "Other Noninterest Expense": "990,000", "Other Revenues": "1,436,000", "Property, Plant and Equipment": "1,861,000"}, "output_variables": {"Liabilities": "129,819,000", "Assets": "146,069,000", "Expenses": "4,531,221", "Revenues": "1,436,000", "Stockholders Equity": "16,250,000", "Net Income": "3,281,784", "Comprehensive Net Income": "3,187,555", "BaseVar": "160,519,795", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}, "2019": {"input_variables": {"Assets and Securities": "11,140,000", "Cash Deposits and Cash Equivalents": "3,278,000", "Deposits": "127,062,000", "Fees": "0", "Goodwill": "4,252,000", "IT and Equipment Expense": "627,758", "Labor Expense": "2,031,366", "Liabilities and Borrowings": "93,516,000", "Loans and Leases Receivable": "109,756,000", "Long-term Debt": "14,970,000", "Occupancy": "338,349", "Other Assets": "38,948,000", "Other Compr. Net Income": "-106,276", "Other Expenses": "1,282,482", "Other Liabilities": "-87,382,000", "Other Net Income": "6,455,387", "Other Noninterest Expense": "1,304,998", "Other Revenues": "1,903,956", "Property, Plant and Equipment": "1,995,000"}, "output_variables": {"Liabilities": "148,166,000", "Assets": "169,369,000", "Expenses": "5,584,952", "Revenues": "1,903,956", "Stockholders Equity": "21,203,000", "Net Income": "2,774,391", "Comprehensive Net Income": "2,668,115", "BaseVar": "184,269,286", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}}, "top_rated": true, "trend": 29.0, "value": 0.1900794227321406, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000035527.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000035527.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000035527.svg"}, {"company_id": "0000944745", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000944745.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0000944745.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000944745.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000944745_256x256.png", "name": "Civista Bancshares INC", "rank": 14, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0000944745.svg", "report_text": "The relative strengths and weaknesses of Civista 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 Civista Bancshares INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Civista Bancshares INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 19% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 19%, being 3.7% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000944745_2020_Civista_Bancshares_INC.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "0.905", "Liabilities": "-2.77", "Stockholders Equity": "-1.11", "ECR before LimitedLiability": "-3.33", "Other Liabilities": "8.99", "Liabilities and Borrowings": "-34.9", "Deposits": "-6.13", "Other Assets": "-3.78", "Assets": "1.23", "Goodwill": "0.490", "Assets and Securities": "-3.47", "Loans and Leases Receivable": "6.95", "Cash Deposits and Cash Equivalents": "-1.03", "Expenses": "1.51", "Revenues": "-0.574", "Net Income": "-1.19", "Other Expenses": "1.44", "Other Revenues": "-0.574", "Other Net Income": "-2.31", "Comprehensive Net Income": "-1.42", "Economic Capital Ratio": "-3.59"}, "2017": {"Other Liabilities": "13.6", "Liabilities": "-0.326", "Stockholders Equity": "1.04", "ECR before LimitedLiability": "1.58", "Liabilities and Borrowings": "-26.3", "Long-term Debt": "0.784", "Deposits": "-3.77", "Loans and Leases Receivable": "8.30", "Assets": "1.23", "Cash Deposits and Cash Equivalents": "-1.04", "Assets and Securities": "-4.00", "Other Assets": "-2.42", "Property, Plant and Equipment": "-0.221", "Expenses": "1.23", "Revenues": "-0.550", "Net Income": "0.666", "Other Expenses": "0.365", "Labor Expense": "0.546", "Other Revenues": "-0.550", "Comprehensive Net Income": "0.702", "Economic Capital Ratio": "1.53"}, "2018": {"Other Liabilities": "12.3", "Liabilities": "-2.84", "Stockholders Equity": "2.75", "ECR before LimitedLiability": "1.39", "Liabilities and Borrowings": "-22.6", "Deposits": "-2.08", "Assets": "4.87", "Assets and Securities": "4.75", "Other Assets": "-8.93", "Loans and Leases Receivable": "9.22", "Goodwill": "1.51", "Cash Deposits and Cash Equivalents": "-1.64", "Labor Expense": "2.04", "Expenses": "4.17", "Revenues": "-0.771", "Net Income": "-1.21", "Other Expenses": "0.937", "Other Revenues": "-0.771", "Comprehensive Net Income": "-0.730", "Other Net Income": "-4.70", "Economic Capital Ratio": "1.31"}, "2019": {"Long-term Debt": "0.589", "Liabilities": "-1.38", "Stockholders Equity": "2.52", "ECR before LimitedLiability": "3.77", "Other Liabilities": "12.7", "Liabilities and Borrowings": "-18.9", "Loans and Leases Receivable": "7.88", "Assets": "3.36", "Other Assets": "-6.63", "Goodwill": "1.24", "Cash Deposits and Cash Equivalents": "-1.79", "Assets and Securities": "3.65", "Expenses": "4.09", "Revenues": "-0.841", "Net Income": "1.32", "Other Expenses": "0.758", "Labor Expense": "2.11", "Other Revenues": "-0.841", "Comprehensive Net Income": "1.84", "Other Net Income": "-1.94", "Economic Capital Ratio": "3.74"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0000944745_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "10,863", "Cash Deposits and Cash Equivalents": "52,127", "Deposits": "901,246", "Fees": "0", "Goodwill": "21,720", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "711,864", "Loans and Leases Receivable": "764,011", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "246,482", "Other Compr. Net Income": "0", "Other Expenses": "847", "Other Liabilities": "-602,661", "Other Net Income": "4,805", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "17,774"}, "output_variables": {"Liabilities": "1,010,449", "Assets": "1,112,977", "Expenses": "847", "Revenues": "0", "Stockholders Equity": "102,528", "Net Income": "3,958", "Comprehensive Net Income": "3,958", "BaseVar": "1,071,971", "ECR before LimitedLiability": "8.8%", "Economic Capital Ratio": "9.0%"}}, "2017": {"input_variables": {"Assets and Securities": "10,707", "Cash Deposits and Cash Equivalents": "40,519", "Deposits": "1,204,923", "Fees": "0", "Goodwill": "27,095", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "842,959", "Loans and Leases Receivable": "1,151,527", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "278,398", "Other Compr. Net Income": "0", "Other Expenses": "6,360", "Other Liabilities": "-706,486", "Other Net Income": "22,232", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "17,611"}, "output_variables": {"Liabilities": "1,341,396", "Assets": "1,525,857", "Expenses": "6,360", "Revenues": "0", "Stockholders Equity": "184,461", "Net Income": "15,872", "Comprehensive Net Income": "15,872", "BaseVar": "1,485,521", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2018": {"input_variables": {"Assets and Securities": "366,447", "Cash Deposits and Cash Equivalents": "42,779", "Deposits": "1,579,893", "Fees": "0", "Goodwill": "76,851", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,111,810", "Loans and Leases Receivable": "1,548,262", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "82,594", "Other Compr. Net Income": "0", "Other Expenses": "2,640", "Other Liabilities": "-851,647", "Other Net Income": "16,779", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "22,021"}, "output_variables": {"Liabilities": "1,840,056", "Assets": "2,138,954", "Expenses": "2,640", "Revenues": "0", "Stockholders Equity": "298,898", "Net Income": "14,139", "Comprehensive Net Income": "14,139", "BaseVar": "2,024,750", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2019": {"input_variables": {"Assets and Securities": "382,944", "Cash Deposits and Cash Equivalents": "48,535", "Deposits": "1,678,764", "Fees": "0", "Goodwill": "76,851", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,166,211", "Loans and Leases Receivable": "1,694,203", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "84,153", "Other Compr. Net Income": "8,326", "Other Expenses": "4,197", "Other Liabilities": "-865,544", "Other Net Income": "30,122", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "22,871"}, "output_variables": {"Liabilities": "1,979,431", "Assets": "2,309,557", "Expenses": "4,197", "Revenues": "0", "Stockholders Equity": "330,126", "Net Income": "25,925", "Comprehensive Net Income": "34,251", "BaseVar": "2,221,895", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "18%"}}}, "top_rated": true, "trend": 32.0, "value": 0.18997402279498554, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000944745.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000944745.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000944745.svg"}, {"company_id": "0001564618", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001564618.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001564618.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001564618.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001564618_256x256.png", "name": "Independent Bank Group Inc", "rank": 15, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001564618.svg", "report_text": "The relative strengths and weaknesses of Independent Bank 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 Independent Bank Group Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 18% points.The greatest weakness of Independent Bank Group Inc is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 28% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 19%, being 3.6% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001564618_2020_Independent_Bank_Group_Inc.pdf", "shrinked_graph_json": {"2013": {"Long-term Debt": "0.957", "Liabilities": "5.52", "ECR before LimitedLiability": "1.38", "Liabilities and Borrowings": "-37.2", "Other Liabilities": "11.7", "Assets": "-5.74", "Loans and Leases Receivable": "9.99", "Cash Deposits and Cash Equivalents": "-0.473", "Assets and Securities": "-4.35", "Other Assets": "-14.2", "Property, Plant and Equipment": "1.19", "Other Noninterest Expense": "-1.18", "Expenses": "-8.19", "Net Income": "0.631", "Occupancy": "-1.52", "Labor Expense": "-5.31", "Other Revenues": "1.70", "Revenues": "1.70", "Comprehensive Net Income": "0.826", "Other Net Income": "5.94", "Economic Capital Ratio": "1.23"}, "2014": {"Liabilities": "5.66", "Assets": "-3.76", "Stockholders Equity": "1.42", "ECR before LimitedLiability": "0.901", "Other Liabilities": "13.8", "Liabilities and Borrowings": "-33.3", "Long-term Debt": "1.38", "Cash Deposits and Cash Equivalents": "2.61", "Comprehensive Net Income": "-1.33", "Other Assets": "-14.5", "Assets and Securities": "-4.18", "Goodwill": "3.25", "Loans and Leases Receivable": "9.35", "Expenses": "-6.18", "Revenues": "0.957", "Occupancy": "-1.18", "Labor Expense": "-4.56", "Other Revenues": "0.957", "Other Net Income": "5.36", "Other Compr. Net Income": "-1.75", "Economic Capital Ratio": "0.866"}, "2015": {"Deposits": "-1.83", "Liabilities": "5.52", "Stockholders Equity": "1.12", "ECR before LimitedLiability": "1.42", "Long-term Debt": "1.26", "Other Liabilities": "13.2", "Liabilities and Borrowings": "-28.4", "Loans and Leases Receivable": "8.97", "Assets": "-4.04", "Assets and Securities": "-4.01", "Cash Deposits and Cash Equivalents": "1.17", "Goodwill": "2.91", "Other Assets": "-13.1", "Expenses": "-5.77", "Other Expenses": "1.07", "Labor Expense": "-4.32", "Occupancy": "-1.17", "Other Revenues": "0.873", "Revenues": "0.873", "Other Compr. Net Income": "-1.14", "Economic Capital Ratio": "1.38", "Other Net Income": "5.22"}, "2016": {"Liabilities and Borrowings": "-27.7", "Liabilities": "4.80", "ECR before LimitedLiability": "0.932", "Deposits": "0.808", "Other Liabilities": "12.6", "Long-term Debt": "0.913", "Assets and Securities": "-4.90", "Assets": "-4.18", "Net Income": "1.32", "Other Assets": "-11.7", "Goodwill": "2.19", "Loans and Leases Receivable": "7.35", "Cash Deposits and Cash Equivalents": "3.03", "Other Expenses": "1.28", "Expenses": "-4.93", "Revenues": "0.726", "Labor Expense": "-3.89", "Occupancy": "-0.953", "Other Revenues": "0.726", "Other Net Income": "5.11", "Economic Capital Ratio": "0.889", "Other Compr. Net Income": "-1.32"}, "2017": {"Other Liabilities": "15.5", "Liabilities": "7.04", "Stockholders Equity": "3.27", "ECR before LimitedLiability": "3.97", "Liabilities and Borrowings": "-24.3", "Deposits": "2.65", "Loans and Leases Receivable": "5.19", "Assets": "-3.08", "Assets and Securities": "-4.48", "Other Assets": "-7.82", "Goodwill": "4.21", "Expenses": "-4.93", "Revenues": "1.27", "Net Income": "1.89", "Other Expenses": "1.06", "Occupancy": "-0.885", "Labor Expense": "-3.74", "Other Revenues": "1.27", "Other Net Income": "5.50", "Economic Capital Ratio": "3.92", "Other Compr. Net Income": "-1.98"}, "2018": {"Other Liabilities": "17.9", "Liabilities": "5.80", "Stockholders Equity": "4.01", "ECR before LimitedLiability": "5.76", "Liabilities and Borrowings": "-26.8", "Assets": "-1.18", "Assets and Securities": "-3.09", "Other Assets": "-10.5", "Loans and Leases Receivable": "11.7", "Goodwill": "4.25", "Cash Deposits and Cash Equivalents": "-2.35", "Labor Expense": "-2.22", "Expenses": "-2.74", "Revenues": "0.844", "Net Income": "2.25", "Other Expenses": "0.862", "Other Revenues": "0.844", "Comprehensive Net Income": "1.20", "Other Net Income": "4.14", "Other Compr. Net Income": "-1.05", "Economic Capital Ratio": "5.67"}, "2019": {"Long-term Debt": "0.630", "Liabilities": "4.81", "Stockholders Equity": "3.06", "ECR before LimitedLiability": "3.64", "Deposits": "-2.00", "Other Liabilities": "18.4", "Liabilities and Borrowings": "-28.3", "Loans and Leases Receivable": "7.86", "Assets": "-1.17", "Other Assets": "-7.88", "Goodwill": "3.69", "Cash Deposits and Cash Equivalents": "-0.808", "Assets and Securities": "-3.19", "Expenses": "-3.05", "Revenues": "1.16", "Net Income": "1.75", "Labor Expense": "-2.02", "Other Revenues": "1.16", "Other Net Income": "3.64", "Other Compr. Net Income": "-1.63", "Economic Capital Ratio": "3.61"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001564618_strength_weakness.svg", "table_records": {"2013": {"input_variables": {"Assets and Securities": "14,800", "Cash Deposits and Cash Equivalents": "93,054", "Deposits": "1,710,319", "Fees": "1,798", "Goodwill": "34,704", "IT and Equipment Expense": "1,347", "Labor Expense": "31,836", "Liabilities and Borrowings": "1,414,095", "Loans and Leases Receivable": "1,709,200", "Long-term Debt": "0", "Occupancy": "9,042", "Other Assets": "239,491", "Other Compr. Net Income": "-8,369", "Other Expenses": "6,568", "Other Liabilities": "-1,194,202", "Other Net Income": "71,111", "Other Noninterest Expense": "7,080", "Other Revenues": "11,021", "Property, Plant and Equipment": "72,735"}, "output_variables": {"Liabilities": "1,930,212", "Assets": "2,163,984", "Expenses": "57,671", "Revenues": "11,021", "Stockholders Equity": "233,772", "Net Income": "24,461", "Comprehensive Net Income": "16,092", "BaseVar": "2,316,030", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2014": {"input_variables": {"Assets and Securities": "26,115", "Cash Deposits and Cash Equivalents": "324,047", "Deposits": "3,249,598", "Fees": "4,364", "Goodwill": "229,457", "IT and Equipment Expense": "2,080", "Labor Expense": "52,337", "Liabilities and Borrowings": "2,449,472", "Loans and Leases Receivable": "3,182,045", "Long-term Debt": "0", "Occupancy": "13,250", "Other Assets": "282,073", "Other Compr. Net Income": "-11,387", "Other Expenses": "7,806", "Other Liabilities": "-2,107,282", "Other Net Income": "118,786", "Other Noninterest Expense": "8,675", "Other Revenues": "13,624", "Property, Plant and Equipment": "88,902"}, "output_variables": {"Liabilities": "3,591,788", "Assets": "4,132,639", "Expenses": "88,512", "Revenues": "13,624", "Stockholders Equity": "540,851", "Net Income": "43,898", "Comprehensive Net Income": "32,511", "BaseVar": "4,283,854", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2015": {"input_variables": {"Assets and Securities": "22,212", "Cash Deposits and Cash Equivalents": "293,279", "Deposits": "4,028,279", "Fees": "5,450", "Goodwill": "258,643", "IT and Equipment Expense": "3,384", "Labor Expense": "60,541", "Liabilities and Borrowings": "2,966,605", "Loans and Leases Receivable": "3,960,809", "Long-term Debt": "0", "Occupancy": "16,058", "Other Assets": "427,042", "Other Compr. Net Income": "-19,032", "Other Expenses": "6,436", "Other Liabilities": "-2,567,193", "Other Net Income": "144,867", "Other Noninterest Expense": "11,329", "Other Revenues": "16,128", "Property, Plant and Equipment": "93,015"}, "output_variables": {"Liabilities": "4,427,691", "Assets": "5,055,000", "Expenses": "103,198", "Revenues": "16,128", "Stockholders Equity": "627,309", "Net Income": "57,797", "Comprehensive Net Income": "38,765", "BaseVar": "5,255,399", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2016": {"input_variables": {"Assets and Securities": "22,032", "Cash Deposits and Cash Equivalents": "505,027", "Deposits": "4,577,109", "Fees": "12,081", "Goodwill": "258,319", "IT and Equipment Expense": "10,112", "Labor Expense": "74,812", "Liabilities and Borrowings": "3,476,317", "Loans and Leases Receivable": "4,539,063", "Long-term Debt": "0", "Occupancy": "16,138", "Other Assets": "438,462", "Other Compr. Net Income": "-79,698", "Other Expenses": "7,095", "Other Liabilities": "-2,872,990", "Other Net Income": "226,967", "Other Noninterest Expense": "12,360", "Other Revenues": "21,203", "Property, Plant and Equipment": "89,898"}, "output_variables": {"Liabilities": "5,180,436", "Assets": "5,852,801", "Expenses": "132,597", "Revenues": "21,203", "Stockholders Equity": "672,365", "Net Income": "115,573", "Comprehensive Net Income": "35,875", "BaseVar": "6,352,364", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2017": {"input_variables": {"Assets and Securities": "34,119", "Cash Deposits and Cash Equivalents": "431,102", "Deposits": "6,632,822", "Fees": "15,084", "Goodwill": "621,458", "IT and Equipment Expense": "27,807", "Labor Expense": "148,953", "Liabilities and Borrowings": "4,745,443", "Loans and Leases Receivable": "6,432,273", "Long-term Debt": "0", "Occupancy": "27,220", "Other Assets": "1,017,676", "Other Compr. Net Income": "-116,978", "Other Expenses": "31,492", "Other Liabilities": "-4,029,820", "Other Net Income": "547,422", "Other Noninterest Expense": "21,272", "Other Revenues": "101,359", "Property, Plant and Equipment": "147,835"}, "output_variables": {"Liabilities": "7,348,445", "Assets": "8,684,463", "Expenses": "271,828", "Revenues": "101,359", "Stockholders Equity": "1,336,018", "Net Income": "376,953", "Comprehensive Net Income": "259,975", "BaseVar": "9,899,675", "ECR before LimitedLiability": "25%", "Economic Capital Ratio": "25%"}}, "2018": {"input_variables": {"Assets and Securities": "737,063", "Cash Deposits and Cash Equivalents": "130,779", "Deposits": "7,737,794", "Fees": "6,401", "Goodwill": "721,797", "IT and Equipment Expense": "17,229", "Labor Expense": "136,716", "Liabilities and Borrowings": "5,642,434", "Loans and Leases Receivable": "7,839,695", "Long-term Debt": "0", "Occupancy": "27,081", "Other Assets": "252,765", "Other Compr. Net Income": "-34,921", "Other Expenses": "18,809", "Other Liabilities": "-5,136,696", "Other Net Income": "480,629", "Other Noninterest Expense": "42,886", "Other Revenues": "42,495", "Property, Plant and Equipment": "167,866"}, "output_variables": {"Liabilities": "8,243,532", "Assets": "9,849,965", "Expenses": "249,122", "Revenues": "42,495", "Stockholders Equity": "1,606,433", "Net Income": "274,001", "Comprehensive Net Income": "239,080", "BaseVar": "10,511,754", "ECR before LimitedLiability": "23%", "Economic Capital Ratio": "23%"}}, "2019": {"input_variables": {"Assets and Securities": "1,194,328", "Cash Deposits and Cash Equivalents": "565,170", "Deposits": "11,941,336", "Fees": "10,156", "Goodwill": "994,021", "IT and Equipment Expense": "48,774", "Labor Expense": "341,329", "Liabilities and Borrowings": "8,999,425", "Loans and Leases Receivable": "11,562,814", "Long-term Debt": "0", "Occupancy": "60,496", "Other Assets": "399,000", "Other Compr. Net Income": "-8,747", "Other Expenses": "28,112", "Other Liabilities": "-8,322,327", "Other Net Income": "1,356,332", "Other Noninterest Expense": "105,340", "Other Revenues": "92,009", "Property, Plant and Equipment": "242,874"}, "output_variables": {"Liabilities": "12,618,434", "Assets": "14,958,207", "Expenses": "594,207", "Revenues": "92,009", "Stockholders Equity": "2,339,773", "Net Income": "854,134", "Comprehensive Net Income": "845,388", "BaseVar": "17,511,422", "ECR before LimitedLiability": "35%", "Economic Capital Ratio": "35%"}}}, "top_rated": true, "trend": -8.0, "value": 0.18867446034169985, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001564618.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001564618.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001564618.svg"}, {"company_id": "0001127371", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001127371.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 16, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 18% points.The greatest weakness of Community West Bancshares 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 19%, being 3.6% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001127371_2020_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"}, "2013": {"Long-term Debt": "0.725", "Liabilities": "-0.564", "ECR before LimitedLiability": "-2.02", "Liabilities and Borrowings": "8.27", "Other Liabilities": "-13.2", "Deposits": "-13.9", "Goodwill": "0.949", "Assets": "0.670", "Comprehensive Net Income": "-2.14", "Loans and Leases Receivable": "-8.55", "Cash Deposits and Cash Equivalents": "3.04", "Assets and Securities": "-4.28", "Other Assets": "6.60", "Property, Plant and Equipment": "-0.444", "Expenses": "1.11", "Net Income": "-0.529", "Other Expenses": "0.779", "Labor Expense": "0.231", "Other Net Income": "-1.64", "Other Compr. Net Income": "-1.57", "Economic Capital Ratio": "-2.17"}, "2015": {"Deposits": "-14.3", "Liabilities": "-0.801", "Stockholders Equity": "0.499", "ECR before LimitedLiability": "0.193", "Long-term Debt": "1.14", "Other Liabilities": "-15.9", "Liabilities and Borrowings": "11.9", "Loans and Leases Receivable": "-10.1", "Assets": "1.14", "Assets and Securities": "-4.03", "Property, Plant and Equipment": "-0.536", "Cash Deposits and Cash Equivalents": "2.52", "Goodwill": "0.891", "Other Assets": "10.1", "Expenses": "1.15", "Revenues": "-0.319", "Net Income": "-0.155", "Other Expenses": "0.663", "Labor Expense": "0.276", "Other Revenues": "-0.319", "Other Net Income": "-1.01", "Economic Capital Ratio": "0.153"}, "2016": {"Liabilities and Borrowings": "12.0", "Liabilities": "0.321", "Stockholders Equity": "0.638", "Economic Capital Ratio": "0.220", "Deposits": "-11.8", "Other Liabilities": "-18.3", "Long-term Debt": "0.848", "Assets and Securities": "-4.88", "Assets": "0.316", "Property, Plant and Equipment": "-0.599", "Other Assets": "10.6", "Goodwill": "1.04", "Loans and Leases Receivable": "-7.74", "Cash Deposits and Cash Equivalents": "-1.17", "Expenses": "0.537", "Net Income": "0.347", "Labor Expense": "0.449", "Other Revenues": "-0.508", "Revenues": "-0.508", "Other Compr. Net Income": "-0.703", "Comprehensive Net Income": "-0.353", "Other Net Income": "0.315"}, "2017": {"Other Liabilities": "-19.7", "Liabilities": "0.396", "Stockholders Equity": "1.44", "ECR before LimitedLiability": "1.95", "Liabilities and Borrowings": "14.1", "Long-term Debt": "0.792", "Deposits": "-10.2", "Loans and Leases Receivable": "-7.10", "Assets": "0.990", "Cash Deposits and Cash Equivalents": "1.47", "Assets and Securities": "-4.51", "Other Assets": "10.1", "Property, Plant and Equipment": "-0.660", "Goodwill": "1.25", "Expenses": "0.580", "Revenues": "-0.554", "Comprehensive Net Income": "0.598", "Labor Expense": "0.551", "Other Revenues": "-0.554", "Other Compr. Net Income": "0.696", "Economic Capital Ratio": "1.90"}, "2018": {"Property, Plant and Equipment": "-0.589", "Assets": "2.54", "Long-term Debt": "0.686", "Stockholders Equity": "2.74", "Net Income": "1.49", "ECR before LimitedLiability": "2.63", "Assets and Securities": "13.1", "Other Assets": "-8.76", "Loans and Leases Receivable": "-1.37", "Goodwill": "1.39", "Cash Deposits and Cash Equivalents": "-1.68", "Labor Expense": "2.12", "Expenses": "3.22", "Other Revenues": "-0.799", "Revenues": "-0.799", "Other Liabilities": "-23.1", "Liabilities and Borrowings": "15.2", "Deposits": "-9.05", "Other Net Income": "-0.944", "Economic Capital Ratio": "2.54", "Other Compr. Net Income": "-1.38"}, "2019": {"Loans and Leases Receivable": "-3.67", "Assets": "2.63", "Long-term Debt": "0.594", "Stockholders Equity": "2.42", "ECR before LimitedLiability": "3.64", "Other Assets": "-5.91", "Goodwill": "1.26", "Cash Deposits and Cash Equivalents": "-0.972", "Assets and Securities": "13.1", "Expenses": "3.02", "Revenues": "-0.849", "Net Income": "0.786", "Labor Expense": "2.13", "Other Revenues": "-0.849", "Deposits": "-9.55", "Liabilities and Borrowings": "18.4", "Other Liabilities": "-25.7", "Comprehensive Net Income": "1.66", "Other Net Income": "-1.39", "Other Compr. Net Income": "0.878", "Economic Capital Ratio": "3.61"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "112,052", "Deposits": "1,004,143", "Fees": "0", "Goodwill": "29,917", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "503,149", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "489,976", "Other Compr. Net Income": "-9,872", "Other Expenses": "1,347", "Other Liabilities": "21,449", "Other Net Income": "9,597", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "10,541"}, "output_variables": {"Liabilities": "1,025,592", "Assets": "1,145,635", "Expenses": "1,347", "Revenues": "0", "Stockholders Equity": "120,043", "Net Income": "8,250", "Comprehensive Net Income": "-1,622", "BaseVar": "1,123,395", "ECR before LimitedLiability": "8.0%", "Economic Capital Ratio": "8.3%"}}, "2015": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "94,617", "Deposits": "1,116,267", "Fees": "0", "Goodwill": "29,917", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "588,501", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "554,409", "Other Compr. Net Income": "-2,669", "Other Expenses": "2,497", "Other Liabilities": "21,146", "Other Net Income": "14,022", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "9,292"}, "output_variables": {"Liabilities": "1,137,413", "Assets": "1,276,736", "Expenses": "2,497", "Revenues": "0", "Stockholders Equity": "139,323", "Net Income": "11,525", "Comprehensive Net Income": "8,856", "BaseVar": "1,241,899", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2016": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "38,568", "Deposits": "1,255,979", "Fees": "0", "Goodwill": "40,231", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "747,302", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "607,815", "Other Compr. Net Income": "-4,024", "Other Expenses": "27,913", "Other Liabilities": "23,311", "Other Net Income": "29,811", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "9,407"}, "output_variables": {"Liabilities": "1,279,290", "Assets": "1,443,323", "Expenses": "27,913", "Revenues": "0", "Stockholders Equity": "164,033", "Net Income": "1,898", "Comprehensive Net Income": "-2,126", "BaseVar": "1,473,379", "ECR before LimitedLiability": "8.7%", "Economic Capital Ratio": "8.9%"}}, "2017": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "100,383", "Deposits": "1,425,687", "Fees": "0", "Goodwill": "53,777", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "891,901", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "606,196", "Other Compr. Net Income": "588", "Other Expenses": "16,031", "Other Liabilities": "26,409", "Other Net Income": "24,749", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "9,398"}, "output_variables": {"Liabilities": "1,452,096", "Assets": "1,661,655", "Expenses": "16,031", "Revenues": "0", "Stockholders Equity": "209,559", "Net Income": "8,718", "Comprehensive Net Income": "9,307", "BaseVar": "1,631,959", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2018": {"input_variables": {"Assets and Securities": "463,905", "Cash Deposits and Cash Equivalents": "31,727", "Deposits": "1,282,298", "Fees": "0", "Goodwill": "53,777", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "909,591", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "70,352", "Other Compr. Net Income": "-3,515", "Other Expenses": "5,496", "Other Liabilities": "35,800", "Other Net Income": "30,491", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "8,484"}, "output_variables": {"Liabilities": "1,318,098", "Assets": "1,537,836", "Expenses": "5,496", "Revenues": "0", "Stockholders Equity": "219,738", "Net Income": "24,995", "Comprehensive Net Income": "21,479", "BaseVar": "1,499,665", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}, "2019": {"input_variables": {"Assets and Securities": "470,746", "Cash Deposits and Cash Equivalents": "52,574", "Deposits": "1,333,285", "Fees": "0", "Goodwill": "53,777", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "934,250", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "77,790", "Other Compr. Net Income": "-674", "Other Expenses": "8,624", "Other Liabilities": "35,342", "Other Net Income": "31,297", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "7,618"}, "output_variables": {"Liabilities": "1,368,627", "Assets": "1,596,755", "Expenses": "8,624", "Revenues": "0", "Stockholders Equity": "228,128", "Net Income": "22,673", "Comprehensive Net Income": "21,999", "BaseVar": "1,556,372", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}}, "top_rated": true, "trend": 5.0, "value": 0.1886571541289055, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001127371.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001127371.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001127371.svg"}, {"company_id": "0000776901", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000776901.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 17, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 18% points.The greatest weakness of Independent BANK CORP 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 19%, being 3.6% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000776901_2020_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"}, "2013": {"Long-term Debt": "0.848", "Liabilities": "-1.58", "Stockholders Equity": "-0.353", "ECR before LimitedLiability": "0.565", "Liabilities and Borrowings": "10.7", "Other Liabilities": "-19.3", "Deposits": "-8.76", "Goodwill": "1.21", "Assets": "1.00", "Loans and Leases Receivable": "10.3", "Cash Deposits and Cash Equivalents": "-0.701", "Assets and Securities": "4.73", "Other Assets": "-17.5", "Property, Plant and Equipment": "-0.378", "Expenses": "0.751", "Other Net Income": "-0.809", "Comprehensive Net Income": "1.08", "Other Expenses": "0.346", "Labor Expense": "0.261", "Other Compr. Net Income": "1.27", "Economic Capital Ratio": "0.417"}, "2014": {"Deposits": "-7.16", "Liabilities": "-0.929", "Stockholders Equity": "-0.549", "ECR before LimitedLiability": "-0.848", "Other Liabilities": "-19.3", "Liabilities and Borrowings": "11.7", "Long-term Debt": "1.25", "Cash Deposits and Cash Equivalents": "-0.980", "Assets": "0.282", "Other Assets": "-16.0", "Property, Plant and Equipment": "-0.378", "Assets and Securities": "5.25", "Goodwill": "1.11", "Loans and Leases Receivable": "10.2", "Expenses": "0.543", "Revenues": "-0.290", "Comprehensive Net Income": "-0.180", "Labor Expense": "0.320", "Other Revenues": "-0.290", "Other Compr. Net Income": "-0.312", "Economic Capital Ratio": "-0.882"}, "2015": {"Deposits": "-9.39", "Liabilities": "-0.435", "Stockholders Equity": "0.272", "ECR before LimitedLiability": "0.422", "Long-term Debt": "1.16", "Other Liabilities": "-19.4", "Liabilities and Borrowings": "12.0", "Loans and Leases Receivable": "9.91", "Assets": "0.620", "Assets and Securities": "5.65", "Property, Plant and Equipment": "-0.307", "Goodwill": "1.21", "Other Assets": "-15.7", "Expenses": "0.518", "Revenues": "-0.322", "Comprehensive Net Income": "0.249", "Labor Expense": "0.278", "Other Revenues": "-0.322", "Other Compr. Net Income": "0.269", "Other Net Income": "-0.218", "Economic Capital Ratio": "0.382"}, "2016": {"Liabilities and Borrowings": "12.9", "Liabilities": "-0.360", "Stockholders Equity": "0.586", "ECR before LimitedLiability": "1.28", "Deposits": "-8.55", "Other Liabilities": "-21.3", "Long-term Debt": "0.858", "Assets and Securities": "4.63", "Assets": "0.843", "Property, Plant and Equipment": "-0.321", "Other Assets": "-13.8", "Goodwill": "1.12", "Loans and Leases Receivable": "9.80", "Cash Deposits and Cash Equivalents": "-0.355", "Expenses": "0.600", "Revenues": "-0.509", "Comprehensive Net Income": "0.813", "Labor Expense": "0.450", "Other Revenues": "-0.509", "Other Compr. Net Income": "0.657", "Economic Capital Ratio": "1.24"}, "2017": {"Loans and Leases Receivable": "9.27", "Assets": "0.548", "Long-term Debt": "0.787", "Stockholders Equity": "0.626", "ECR before LimitedLiability": "1.34", "Cash Deposits and Cash Equivalents": "-1.08", "Assets and Securities": "5.12", "Other Assets": "-13.2", "Goodwill": "0.966", "Expenses": "0.606", "Revenues": "-0.554", "Net Income": "0.781", "Other Expenses": "-0.266", "Labor Expense": "0.550", "Other Revenues": "-0.554", "Other Liabilities": "-22.3", "Liabilities and Borrowings": "13.5", "Deposits": "-7.18", "Comprehensive Net Income": "0.794", "Other Net Income": "0.728", "Economic Capital Ratio": "1.29"}, "2018": {"Other Liabilities": "-23.5", "Liabilities": "-1.94", "Stockholders Equity": "0.946", "ECR before LimitedLiability": "2.58", "Long-term Debt": "0.679", "Liabilities and Borrowings": "15.0", "Deposits": "-9.41", "Assets": "2.46", "Assets and Securities": "1.82", "Other Assets": "-10.2", "Loans and Leases Receivable": "11.2", "Goodwill": "0.922", "Cash Deposits and Cash Equivalents": "-1.11", "Labor Expense": "2.10", "Expenses": "3.35", "Revenues": "-0.791", "Net Income": "1.43", "Other Revenues": "-0.791", "Comprehensive Net Income": "1.99", "Other Net Income": "-1.15", "Economic Capital Ratio": "2.49"}, "2019": {"Liabilities": "-0.673", "Stockholders Equity": "3.11", "ECR before LimitedLiability": "3.60", "Deposits": "-6.98", "Other Liabilities": "-25.3", "Liabilities and Borrowings": "17.9", "Loans and Leases Receivable": "10.8", "Assets": "3.33", "Other Assets": "-7.48", "Goodwill": "2.08", "Cash Deposits and Cash Equivalents": "-2.35", "Assets and Securities": "1.30", "Other Noninterest Expense": "0.446", "Expenses": "3.25", "Revenues": "-0.845", "Net Income": "1.25", "Labor Expense": "2.12", "Other Revenues": "-0.845", "Comprehensive Net Income": "1.03", "Other Net Income": "-1.16", "Economic Capital Ratio": "3.57"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "813,402", "Cash Deposits and Cash Equivalents": "216,325", "Deposits": "4,986,418", "Fees": "0", "Goodwill": "170,421", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "72,788", "Loans and Leases Receivable": "4,665,068", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "169,068", "Other Compr. Net Income": "-2,908", "Other Expenses": "16,484", "Other Liabilities": "448,488", "Other Net Income": "66,738", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "64,950"}, "output_variables": {"Liabilities": "5,507,694", "Assets": "6,099,234", "Expenses": "16,484", "Revenues": "0", "Stockholders Equity": "591,540", "Net Income": "50,254", "Comprehensive Net Income": "47,346", "BaseVar": "5,959,790", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2014": {"input_variables": {"Assets and Securities": "868,927", "Cash Deposits and Cash Equivalents": "178,254", "Deposits": "5,210,466", "Fees": "0", "Goodwill": "170,421", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "107,264", "Loans and Leases Receivable": "4,915,633", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "167,603", "Other Compr. Net Income": "-2,903", "Other Expenses": "23,162", "Other Liabilities": "406,655", "Other Net Income": "82,864", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "64,074"}, "output_variables": {"Liabilities": "5,724,385", "Assets": "6,364,912", "Expenses": "23,162", "Revenues": "0", "Stockholders Equity": "640,527", "Net Income": "59,702", "Comprehensive Net Income": "56,799", "BaseVar": "6,242,355", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2015": {"input_variables": {"Assets and Securities": "996,598", "Cash Deposits and Cash Equivalents": "275,765", "Deposits": "5,990,703", "Fees": "0", "Goodwill": "201,083", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "103,370", "Loans and Leases Receivable": "5,491,896", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "169,033", "Other Compr. Net Income": "4,151", "Other Expenses": "27,138", "Other Liabilities": "344,502", "Other Net Income": "92,031", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "75,663"}, "output_variables": {"Liabilities": "6,438,575", "Assets": "7,210,038", "Expenses": "27,138", "Revenues": "0", "Stockholders Equity": "771,463", "Net Income": "64,893", "Comprehensive Net Income": "69,044", "BaseVar": "7,048,131", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2016": {"input_variables": {"Assets and Securities": "1,006,075", "Cash Deposits and Cash Equivalents": "289,095", "Deposits": "6,412,253", "Fees": "0", "Goodwill": "221,526", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "96,958", "Loans and Leases Receivable": "5,938,039", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "176,160", "Other Compr. Net Income": "392", "Other Expenses": "35,856", "Other Liabilities": "335,474", "Other Net Income": "112,497", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "78,480"}, "output_variables": {"Liabilities": "6,844,685", "Assets": "7,709,375", "Expenses": "35,856", "Revenues": "0", "Stockholders Equity": "864,690", "Net Income": "76,640", "Comprehensive Net Income": "77,033", "BaseVar": "7,547,003", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2017": {"input_variables": {"Assets and Securities": "1,069,629", "Cash Deposits and Cash Equivalents": "213,116", "Deposits": "6,729,253", "Fees": "0", "Goodwill": "231,806", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "85,269", "Loans and Leases Receivable": "6,294,910", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "177,846", "Other Compr. Net Income": "328", "Other Expenses": "51,651", "Other Liabilities": "323,698", "Other Net Income": "137,390", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "94,722"}, "output_variables": {"Liabilities": "7,138,220", "Assets": "8,082,029", "Expenses": "51,651", "Revenues": "0", "Stockholders Equity": "943,809", "Net Income": "85,739", "Comprehensive Net Income": "86,067", "BaseVar": "7,953,830", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2018": {"input_variables": {"Assets and Securities": "1,207,730", "Cash Deposits and Cash Equivalents": "250,455", "Deposits": "7,427,120", "Fees": "0", "Goodwill": "256,105", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "92,275", "Loans and Leases Receivable": "6,841,901", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "197,820", "Other Compr. Net Income": "627", "Other Expenses": "35,130", "Other Liabilities": "258,707", "Other Net Income": "161,018", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "97,581"}, "output_variables": {"Liabilities": "7,778,102", "Assets": "8,851,592", "Expenses": "35,130", "Revenues": "0", "Stockholders Equity": "1,073,490", "Net Income": "125,888", "Comprehensive Net Income": "126,515", "BaseVar": "8,671,994", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2019": {"input_variables": {"Assets and Securities": "1,534,023", "Cash Deposits and Cash Equivalents": "150,974", "Deposits": "9,147,367", "Fees": "0", "Goodwill": "506,206", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "236,552", "Loans and Leases Receivable": "8,805,899", "Long-term Debt": "74,906", "Occupancy": "0", "Other Assets": "274,389", "Other Compr. Net Income": "14,699", "Other Expenses": "47,797", "Other Liabilities": "228,197", "Other Net Income": "260,520", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "123,674"}, "output_variables": {"Liabilities": "9,687,022", "Assets": "11,395,165", "Expenses": "47,797", "Revenues": "0", "Stockholders Equity": "1,708,143", "Net Income": "212,723", "Comprehensive Net Income": "227,422", "BaseVar": "11,127,369", "ECR before LimitedLiability": "20%", "Economic Capital Ratio": "20%"}}}, "top_rated": true, "trend": 5.0, "value": 0.18831732014451144, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000776901.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000776901.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000776901.svg"}, {"company_id": "0000810958", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000810958.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 18, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 18% points.The greatest weakness of Citizens Northern CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 34% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 19%, being 3.5% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000810958_2020_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"}, "2014": {"Deposits": "-4.31", "Liabilities": "3.16", "Assets": "0.785", "Stockholders Equity": "3.74", "ECR before LimitedLiability": "7.11", "Other Liabilities": "-14.0", "Liabilities and Borrowings": "17.9", "Long-term Debt": "-4.26", "Cash Deposits and Cash Equivalents": "-0.869", "Other Assets": "13.1", "Assets and Securities": "-3.74", "Loans and Leases Receivable": "-6.42", "Other Revenues": "-0.301", "Revenues": "-0.301", "Net Income": "1.87", "Other Net Income": "1.94", "Other Compr. Net Income": "1.36", "Comprehensive Net Income": "3.23", "Other Expenses": "-0.313", "Labor Expense": "0.333", "Economic Capital Ratio": "7.07"}, "2015": {"Deposits": "-3.98", "Liabilities": "3.02", "Assets": "1.30", "Stockholders Equity": "4.21", "ECR before LimitedLiability": "5.42", "Long-term Debt": "-1.70", "Other Liabilities": "-19.9", "Liabilities and Borrowings": "16.4", "Loans and Leases Receivable": "-2.51", "Assets and Securities": "-3.21", "Cash Deposits and Cash Equivalents": "-0.733", "Other Assets": "8.41", "Expenses": "0.293", "Net Income": "1.76", "Labor Expense": "0.288", "Other Revenues": "-0.332", "Revenues": "-0.332", "Other Compr. Net Income": "-0.614", "Comprehensive Net Income": "1.15", "Other Net Income": "1.80", "Economic Capital Ratio": "5.38"}, "2016": {"Liabilities and Borrowings": "15.9", "Liabilities": "2.21", "Stockholders Equity": "3.81", "ECR before LimitedLiability": "4.60", "Deposits": "-5.70", "Other Liabilities": "-19.4", "Long-term Debt": "-1.97", "Assets and Securities": "-4.01", "Assets": "1.62", "Other Assets": "9.43", "Goodwill": "-0.998", "Loans and Leases Receivable": "-1.30", "Cash Deposits and Cash Equivalents": "-1.18", "Expenses": "0.708", "Net Income": "1.28", "Other Revenues": "-0.517", "Revenues": "-0.517", "Other Compr. Net Income": "-0.467", "Comprehensive Net Income": "0.810", "Other Net Income": "1.09", "Economic Capital Ratio": "4.55"}, "2017": {"Other Liabilities": "-23.7", "Liabilities": "1.52", "Stockholders Equity": "3.34", "ECR before LimitedLiability": "3.85", "Liabilities and Borrowings": "15.7", "Deposits": "-4.41", "Assets": "1.78", "Cash Deposits and Cash Equivalents": "-0.651", "Assets and Securities": "-3.59", "Other Assets": "7.48", "Property, Plant and Equipment": "-0.173", "Goodwill": "-1.14", "Expenses": "0.671", "Revenues": "-0.556", "Net Income": "0.750", "Other Expenses": "-0.205", "Labor Expense": "0.553", "Other Revenues": "-0.556", "Comprehensive Net Income": "0.600", "Other Net Income": "0.634", "Economic Capital Ratio": "3.80"}, "2018": {"Assets": "3.12", "Long-term Debt": "-1.92", "Stockholders Equity": "3.68", "ECR before LimitedLiability": "5.96", "Assets and Securities": "13.4", "Other Assets": "-9.35", "Loans and Leases Receivable": "2.15", "Goodwill": "-1.19", "Cash Deposits and Cash Equivalents": "-1.02", "Labor Expense": "2.12", "Expenses": "3.61", "Revenues": "-0.798", "Net Income": "2.79", "Occupancy": "0.356", "Other Noninterest Expense": "0.500", "Other Revenues": "-0.798", "Other Liabilities": "-21.9", "Liabilities and Borrowings": "17.8", "Deposits": "-6.54", "Comprehensive Net Income": "2.56", "Economic Capital Ratio": "5.88"}, "2019": {"Long-term Debt": "0.586", "Liabilities": "-1.41", "Assets": "3.82", "Stockholders Equity": "2.99", "ECR before LimitedLiability": "3.54", "Deposits": "-2.97", "Other Liabilities": "-33.7", "Liabilities and Borrowings": "18.1", "Loans and Leases Receivable": "6.25", "Other Assets": "-7.72", "Cash Deposits and Cash Equivalents": "-1.76", "Assets and Securities": "8.20", "Expenses": "4.11", "Revenues": "-0.838", "Comprehensive Net Income": "1.20", "Other Expenses": "0.789", "Labor Expense": "2.10", "Other Revenues": "-0.838", "Other Compr. Net Income": "0.985", "Other Net Income": "-3.06", "Economic Capital Ratio": "3.51"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2014": {"input_variables": {"Assets and Securities": "8,766", "Cash Deposits and Cash Equivalents": "36,047", "Deposits": "967,989", "Fees": "0", "Goodwill": "11,942", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "7,015", "Loans and Leases Receivable": "623,209", "Long-term Debt": "73,060", "Occupancy": "0", "Other Assets": "545,743", "Other Compr. Net Income": "6,353", "Other Expenses": "5,692", "Other Liabilities": "5,537", "Other Net Income": "22,778", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "16,256"}, "output_variables": {"Liabilities": "1,053,601", "Assets": "1,241,963", "Expenses": "5,692", "Revenues": "0", "Stockholders Equity": "188,362", "Net Income": "17,086", "Comprehensive Net Income": "23,439", "BaseVar": "1,210,986", "ECR before LimitedLiability": "20%", "Economic Capital Ratio": "20%"}}, "2015": {"input_variables": {"Assets and Securities": "13,510", "Cash Deposits and Cash Equivalents": "36,061", "Deposits": "935,615", "Fees": "0", "Goodwill": "11,942", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "8,052", "Loans and Leases Receivable": "696,991", "Long-term Debt": "38,767", "Occupancy": "0", "Other Assets": "449,507", "Other Compr. Net Income": "6,343", "Other Expenses": "5,343", "Other Liabilities": "53,496", "Other Net Income": "21,827", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "15,406"}, "output_variables": {"Liabilities": "1,035,930", "Assets": "1,223,417", "Expenses": "5,343", "Revenues": "0", "Stockholders Equity": "187,487", "Net Income": "16,484", "Comprehensive Net Income": "22,827", "BaseVar": "1,190,501", "ECR before LimitedLiability": "20%", "Economic Capital Ratio": "20%"}}, "2016": {"input_variables": {"Assets and Securities": "13,282", "Cash Deposits and Cash Equivalents": "32,109", "Deposits": "983,843", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "7,812", "Loans and Leases Receivable": "743,362", "Long-term Debt": "38,454", "Occupancy": "0", "Other Assets": "438,142", "Other Compr. Net Income": "-3,257", "Other Expenses": "5,347", "Other Liabilities": "26,175", "Other Net Income": "21,123", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "15,397"}, "output_variables": {"Liabilities": "1,056,284", "Assets": "1,242,292", "Expenses": "5,347", "Revenues": "0", "Stockholders Equity": "186,008", "Net Income": "15,776", "Comprehensive Net Income": "12,518", "BaseVar": "1,203,242", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}, "2017": {"input_variables": {"Assets and Securities": "15,781", "Cash Deposits and Cash Equivalents": "40,244", "Deposits": "1,008,449", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "9,112", "Loans and Leases Receivable": "806,857", "Long-term Debt": "9,189", "Occupancy": "0", "Other Assets": "398,645", "Other Compr. Net Income": "-1,429", "Other Expenses": "7,124", "Other Liabilities": "61,766", "Other Net Income": "20,600", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "15,432"}, "output_variables": {"Liabilities": "1,088,516", "Assets": "1,276,959", "Expenses": "7,124", "Revenues": "0", "Stockholders Equity": "188,443", "Net Income": "13,476", "Comprehensive Net Income": "12,047", "BaseVar": "1,235,649", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}, "2018": {"input_variables": {"Assets and Securities": "378,630", "Cash Deposits and Cash Equivalents": "37,487", "Deposits": "1,033,772", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "10,985", "Loans and Leases Receivable": "818,254", "Long-term Debt": "35,915", "Occupancy": "0", "Other Assets": "41,930", "Other Compr. Net Income": "-1,855", "Other Expenses": "4,460", "Other Liabilities": "12,853", "Other Net Income": "26,141", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "14,592"}, "output_variables": {"Liabilities": "1,093,525", "Assets": "1,290,893", "Expenses": "4,460", "Revenues": "0", "Stockholders Equity": "197,368", "Net Income": "21,680", "Comprehensive Net Income": "19,826", "BaseVar": "1,251,116", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "19%"}}, "2019": {"input_variables": {"Assets and Securities": "368,860", "Cash Deposits and Cash Equivalents": "35,202", "Deposits": "1,252,660", "Fees": "0", "Goodwill": "28,388", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "12,186", "Loans and Leases Receivable": "1,172,386", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "32,139", "Other Compr. Net Income": "4,030", "Other Expenses": "3,925", "Other Liabilities": "144,847", "Other Net Income": "23,507", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "17,170"}, "output_variables": {"Liabilities": "1,409,693", "Assets": "1,654,145", "Expenses": "3,925", "Revenues": "0", "Stockholders Equity": "244,452", "Net Income": "19,583", "Comprehensive Net Income": "23,612", "BaseVar": "1,589,022", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "18%"}}}, "top_rated": true, "trend": -13.0, "value": 0.18771459903193083, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000810958.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000810958.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000810958.svg"}, {"company_id": "0000715072", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000715072.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 19, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 18% points.The greatest weakness of Renasant CORP is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 25% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 19%, being 3.5% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000715072_2020_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"}, "2013": {"Long-term Debt": "-1.69", "Liabilities": "-1.20", "Assets": "2.17", "Stockholders Equity": "1.25", "ECR before LimitedLiability": "1.21", "Liabilities and Borrowings": "-48.9", "Other Liabilities": "11.5", "Deposits": "-12.6", "Goodwill": "2.69", "Loans and Leases Receivable": "7.46", "Assets and Securities": "-1.42", "Other Assets": "-7.50", "Expenses": "0.952", "Revenues": "-0.153", "Net Income": "-1.06", "Other Expenses": "0.545", "Labor Expense": "0.264", "Other Revenues": "-0.153", "Comprehensive Net Income": "0.202", "Other Net Income": "-1.88", "Other Compr. Net Income": "1.24", "Economic Capital Ratio": "1.07"}, "2014": {"Deposits": "-0.956", "Liabilities": "8.33", "ECR before LimitedLiability": "1.38", "Other Liabilities": "14.3", "Liabilities and Borrowings": "-43.8", "Cash Deposits and Cash Equivalents": "-1.34", "Assets": "-7.58", "Net Income": "1.82", "Other Assets": "-7.90", "Assets and Securities": "-2.02", "Goodwill": "2.58", "Loans and Leases Receivable": "1.01", "Expenses": "-10.5", "Revenues": "4.89", "Other Expenses": "-1.22", "Labor Expense": "-7.30", "Other Noninterest Expense": "-1.04", "Other Revenues": "4.89", "Other Net Income": "6.81", "Economic Capital Ratio": "1.34", "Other Compr. Net Income": "-2.17"}, "2015": {"Deposits": "1.77", "Liabilities": "8.23", "Stockholders Equity": "1.35", "ECR before LimitedLiability": "2.28", "Other Liabilities": "14.0", "Liabilities and Borrowings": "-33.4", "Assets": "-6.69", "Assets and Securities": "-1.51", "Cash Deposits and Cash Equivalents": "-1.27", "Goodwill": "3.29", "Other Assets": "-7.78", "Expenses": "-9.80", "Revenues": "4.77", "Net Income": "0.999", "Other Expenses": "-1.35", "Labor Expense": "-6.79", "Other Noninterest Expense": "-0.889", "Other Revenues": "4.77", "Other Net Income": "5.59", "Other Compr. Net Income": "-1.32", "Economic Capital Ratio": "2.24"}, "2016": {"Liabilities and Borrowings": "-33.1", "Liabilities": "9.71", "Assets": "-7.21", "Stockholders Equity": "2.05", "ECR before LimitedLiability": "3.78", "Deposits": "1.19", "Other Liabilities": "15.5", "Long-term Debt": "-1.13", "Assets and Securities": "-4.15", "Other Assets": "-6.40", "Goodwill": "2.94", "Expenses": "-10.6", "Revenues": "5.49", "Net Income": "1.94", "Labor Expense": "-7.23", "Occupancy": "-1.44", "Other Noninterest Expense": "-1.21", "Other Revenues": "5.49", "Other Net Income": "6.70", "Economic Capital Ratio": "3.74", "Other Compr. Net Income": "-1.61"}, "2017": {"Other Liabilities": "16.8", "Liabilities": "9.85", "Stockholders Equity": "2.90", "ECR before LimitedLiability": "4.49", "Liabilities and Borrowings": "-33.1", "Deposits": "1.87", "Loans and Leases Receivable": "5.32", "Assets": "-6.10", "Cash Deposits and Cash Equivalents": "-1.19", "Assets and Securities": "-3.90", "Other Assets": "-9.19", "Goodwill": "3.42", "Expenses": "-8.87", "Revenues": "4.64", "Net Income": "2.63", "Occupancy": "-1.39", "Labor Expense": "-6.77", "Other Revenues": "4.64", "Other Net Income": "6.73", "Economic Capital Ratio": "4.44", "Other Compr. Net Income": "-2.37"}, "2018": {"Other Liabilities": "17.4", "Liabilities": "6.97", "Assets": "-2.81", "Stockholders Equity": "3.36", "ECR before LimitedLiability": "4.70", "Long-term Debt": "-1.15", "Liabilities and Borrowings": "-30.7", "Deposits": "1.10", "Assets and Securities": "-0.589", "Other Assets": "-8.80", "Loans and Leases Receivable": "3.24", "Goodwill": "4.15", "Labor Expense": "-4.22", "Expenses": "-5.18", "Revenues": "3.51", "Net Income": "1.50", "Occupancy": "-0.896", "Other Revenues": "3.51", "Other Net Income": "3.16", "Economic Capital Ratio": "4.62", "Other Compr. Net Income": "-0.963"}, "2019": {"Long-term Debt": "-2.01", "Liabilities": "6.68", "Stockholders Equity": "3.04", "ECR before LimitedLiability": "3.52", "Deposits": "2.94", "Other Liabilities": "17.9", "Liabilities and Borrowings": "-25.4", "Loans and Leases Receivable": "2.52", "Assets": "-2.74", "Other Assets": "-6.70", "Goodwill": "3.95", "Cash Deposits and Cash Equivalents": "-1.38", "Assets and Securities": "-1.34", "Expenses": "-5.47", "Revenues": "3.59", "Net Income": "1.50", "Labor Expense": "-5.07", "Other Revenues": "3.59", "Other Net Income": "3.38", "Other Compr. Net Income": "-1.83", "Economic Capital Ratio": "3.49"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "234,485", "Cash Deposits and Cash Equivalents": "246,648", "Deposits": "4,841,912", "Fees": "0", "Goodwill": "276,100", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,052,723", "Loans and Leases Receivable": "3,833,353", "Long-term Debt": "169,592", "Occupancy": "0", "Other Assets": "1,054,159", "Other Compr. Net Income": "-3,472", "Other Expenses": "12,259", "Other Liabilities": "-3,983,609", "Other Net Income": "45,746", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "101,525"}, "output_variables": {"Liabilities": "5,080,618", "Assets": "5,746,270", "Expenses": "12,259", "Revenues": "0", "Stockholders Equity": "665,652", "Net Income": "33,487", "Comprehensive Net Income": "30,015", "BaseVar": "5,525,025", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "12%"}}, "2014": {"input_variables": {"Assets and Securities": "230,533", "Cash Deposits and Cash Equivalents": "161,583", "Deposits": "4,838,418", "Fees": "4,485", "Goodwill": "274,706", "IT and Equipment Expense": "11,400", "Labor Expense": "115,108", "Liabilities and Borrowings": "3,984,781", "Loans and Leases Receivable": "3,945,585", "Long-term Debt": "156,422", "Occupancy": "0", "Other Assets": "1,078,987", "Other Compr. Net Income": "-114,220", "Other Expenses": "195,913", "Other Liabilities": "-3,886,143", "Other Net Income": "949,019", "Other Noninterest Expense": "17,185", "Other Revenues": "80,620", "Property, Plant and Equipment": "113,735"}, "output_variables": {"Liabilities": "5,093,478", "Assets": "5,805,129", "Expenses": "344,091", "Revenues": "80,620", "Stockholders Equity": "711,651", "Net Income": "685,548", "Comprehensive Net Income": "571,328", "BaseVar": "8,149,932", "ECR before LimitedLiability": "48%", "Economic Capital Ratio": "48%"}}, "2015": {"input_variables": {"Assets and Securities": "327,080", "Cash Deposits and Cash Equivalents": "211,571", "Deposits": "6,218,602", "Fees": "4,386", "Goodwill": "445,871", "IT and Equipment Expense": "14,845", "Labor Expense": "155,676", "Liabilities and Borrowings": "5,040,845", "Loans and Leases Receivable": "5,371,025", "Long-term Debt": "148,217", "Occupancy": "0", "Other Assets": "1,401,821", "Other Compr. Net Income": "-63,953", "Other Expenses": "90,883", "Other Liabilities": "-4,517,986", "Other Net Income": "255,948", "Other Noninterest Expense": "21,243", "Other Revenues": "122,635", "Property, Plant and Equipment": "169,128"}, "output_variables": {"Liabilities": "6,889,678", "Assets": "7,926,496", "Expenses": "287,034", "Revenues": "122,635", "Stockholders Equity": "1,036,818", "Net Income": "91,549", "Comprehensive Net Income": "27,596", "BaseVar": "8,732,255", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2016": {"input_variables": {"Assets and Securities": "149,522", "Cash Deposits and Cash Equivalents": "306,224", "Deposits": "7,059,137", "Fees": "5,332", "Goodwill": "470,534", "IT and Equipment Expense": "19,231", "Labor Expense": "184,248", "Liabilities and Borrowings": "5,593,476", "Loans and Leases Receivable": "6,159,972", "Long-term Debt": "202,459", "Occupancy": "34,394", "Other Assets": "1,434,376", "Other Compr. Net Income": "-135,158", "Other Expenses": "31,175", "Other Liabilities": "-5,388,104", "Other Net Income": "330,126", "Other Noninterest Expense": "31,794", "Other Revenues": "158,065", "Property, Plant and Equipment": "179,223"}, "output_variables": {"Liabilities": "7,466,968", "Assets": "8,699,851", "Expenses": "306,174", "Revenues": "158,065", "Stockholders Equity": "1,232,883", "Net Income": "182,016", "Comprehensive Net Income": "46,859", "BaseVar": "9,770,493", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2017": {"input_variables": {"Assets and Securities": "144,667", "Cash Deposits and Cash Equivalents": "281,453", "Deposits": "7,921,075", "Fees": "7,258", "Goodwill": "611,046", "IT and Equipment Expense": "16,091", "Labor Expense": "189,934", "Liabilities and Borrowings": "6,177,214", "Loans and Leases Receivable": "7,574,111", "Long-term Debt": "207,546", "Occupancy": "38,120", "Other Assets": "1,035,450", "Other Compr. Net Income": "-84,824", "Other Expenses": "35,242", "Other Liabilities": "-5,990,837", "Other Net Income": "355,078", "Other Noninterest Expense": "19,960", "Other Revenues": "129,252", "Property, Plant and Equipment": "183,254"}, "output_variables": {"Liabilities": "8,314,998", "Assets": "9,829,981", "Expenses": "306,605", "Revenues": "129,252", "Stockholders Equity": "1,514,983", "Net Income": "177,725", "Comprehensive Net Income": "92,901", "BaseVar": "10,661,992", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}, "2018": {"input_variables": {"Assets and Securities": "1,453,398", "Cash Deposits and Cash Equivalents": "569,111", "Deposits": "10,128,557", "Fees": "9,075", "Goodwill": "932,928", "IT and Equipment Expense": "19,215", "Labor Expense": "228,891", "Liabilities and Borrowings": "7,920,935", "Loans and Leases Receivable": "9,034,103", "Long-term Debt": "263,618", "Occupancy": "42,644", "Other Assets": "736,170", "Other Compr. Net Income": "-32,907", "Other Expenses": "41,972", "Other Liabilities": "-7,422,145", "Other Net Income": "442,934", "Other Noninterest Expense": "20,140", "Other Revenues": "150,191", "Property, Plant and Equipment": "209,168"}, "output_variables": {"Liabilities": "10,890,965", "Assets": "12,934,878", "Expenses": "361,937", "Revenues": "150,191", "Stockholders Equity": "2,043,913", "Net Income": "231,188", "Comprehensive Net Income": "198,281", "BaseVar": "13,706,084", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "19%"}}, "2019": {"input_variables": {"Assets and Securities": "1,456,140", "Cash Deposits and Cash Equivalents": "414,930", "Deposits": "10,213,168", "Fees": "10,602", "Goodwill": "939,683", "IT and Equipment Expense": "19,980", "Labor Expense": "272,954", "Liabilities and Borrowings": "7,857,561", "Loans and Leases Receivable": "9,637,476", "Long-term Debt": "376,507", "Occupancy": "50,705", "Other Assets": "642,692", "Other Compr. Net Income": "16,716", "Other Expenses": "29,755", "Other Liabilities": "-7,172,307", "Other Net Income": "483,239", "Other Noninterest Expense": "12,807", "Other Revenues": "158,311", "Property, Plant and Equipment": "309,697"}, "output_variables": {"Liabilities": "11,274,929", "Assets": "13,400,618", "Expenses": "396,802", "Revenues": "158,311", "Stockholders Equity": "2,125,689", "Net Income": "244,748", "Comprehensive Net Income": "261,463", "BaseVar": "14,252,722", "ECR before LimitedLiability": "21%", "Economic Capital Ratio": "21%"}}}, "top_rated": true, "trend": -7.0, "value": 0.18746450031653106, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000715072.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000715072.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000715072.svg"}, {"company_id": "0000022356", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000022356.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 20, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 16% points.The greatest weakness of Commerce Bancshares INC MO is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 21% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 19%, being 3.4% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000022356_2020_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"}, "2013": {"Long-term Debt": "0.839", "Liabilities": "0.220", "Stockholders Equity": "-0.620", "ECR before LimitedLiability": "-0.220", "Liabilities and Borrowings": "-21.9", "Other Liabilities": "10.1", "Deposits": "-7.70", "Goodwill": "-0.374", "Assets": "-0.773", "Loans and Leases Receivable": "-7.48", "Cash Deposits and Cash Equivalents": "-1.71", "Assets and Securities": "10.1", "Other Assets": "-14.7", "Other Revenues": "-0.153", "Revenues": "-0.153", "Net Income": "0.816", "Other Compr. Net Income": "-0.498", "Comprehensive Net Income": "0.335", "Other Net Income": "1.10", "Other Expenses": "-0.561", "Labor Expense": "0.261", "Economic Capital Ratio": "-0.368"}, "2014": {"Deposits": "-5.72", "Liabilities": "-0.324", "Stockholders Equity": "-0.921", "Economic Capital Ratio": "-0.0962", "Other Liabilities": "12.8", "Liabilities and Borrowings": "-26.3", "Long-term Debt": "1.28", "Cash Deposits and Cash Equivalents": "-1.63", "Assets": "-0.567", "Other Assets": "-13.5", "Assets and Securities": "12.9", "Goodwill": "-0.440", "Loans and Leases Receivable": "-9.30", "Expenses": "0.0970", "Net Income": "0.676", "Other Expenses": "-0.436", "Labor Expense": "0.326", "Other Revenues": "-0.295", "Revenues": "-0.295", "Other Compr. Net Income": "0.173", "Comprehensive Net Income": "0.847", "Other Net Income": "0.872"}, "2015": {"Deposits": "-6.44", "Liabilities": "-0.216", "Stockholders Equity": "-0.706", "ECR before LimitedLiability": "-0.293", "Long-term Debt": "1.14", "Other Liabilities": "11.4", "Liabilities and Borrowings": "-23.0", "Loans and Leases Receivable": "-8.36", "Assets": "-0.465", "Assets and Securities": "11.5", "Cash Deposits and Cash Equivalents": "-1.50", "Goodwill": "-0.432", "Other Assets": "-15.2", "Other Revenues": "-0.322", "Revenues": "-0.322", "Net Income": "0.609", "Comprehensive Net Income": "0.402", "Other Expenses": "-0.320", "Labor Expense": "0.278", "Other Net Income": "0.746", "Economic Capital Ratio": "-0.334"}, "2016": {"Liabilities and Borrowings": "-21.4", "Liabilities": "-0.745", "Assets and Securities": "11.7", "Stockholders Equity": "-0.679", "Economic Capital Ratio": "-0.0980", "Deposits": "-6.75", "Other Liabilities": "11.5", "Long-term Debt": "0.838", "Other Expenses": "-0.189", "Expenses": "0.521", "Revenues": "-0.504", "Net Income": "0.431", "Labor Expense": "0.444", "Other Revenues": "-0.504", "Property, Plant and Equipment": "-0.111", "Other Assets": "-13.7", "Goodwill": "-0.613", "Loans and Leases Receivable": "-7.88", "Cash Deposits and Cash Equivalents": "-0.940", "Comprehensive Net Income": "0.691", "Other Net Income": "0.410", "Other Compr. Net Income": "0.263"}, "2017": {"Other Liabilities": "13.6", "Liabilities": "-0.427", "ECR before LimitedLiability": "1.56", "Liabilities and Borrowings": "-23.2", "Long-term Debt": "0.788", "Deposits": "-6.01", "Loans and Leases Receivable": "-6.02", "Assets": "0.364", "Cash Deposits and Cash Equivalents": "-1.62", "Assets and Securities": "13.9", "Other Assets": "-12.8", "Goodwill": "-0.745", "Expenses": "1.15", "Net Income": "1.56", "Other Expenses": "0.278", "Labor Expense": "0.549", "Other Revenues": "-0.553", "Revenues": "-0.553", "Comprehensive Net Income": "1.64", "Other Net Income": "0.972", "Economic Capital Ratio": "1.51"}, "2018": {"Other Liabilities": "14.2", "Liabilities": "-1.38", "Assets": "1.43", "Stockholders Equity": "0.334", "ECR before LimitedLiability": "2.49", "Long-term Debt": "0.685", "Liabilities and Borrowings": "-23.7", "Deposits": "-4.39", "Assets and Securities": "14.3", "Other Assets": "-9.96", "Loans and Leases Receivable": "-4.91", "Goodwill": "-0.824", "Labor Expense": "2.12", "Expenses": "3.29", "Revenues": "-0.799", "Net Income": "2.69", "Occupancy": "0.357", "Other Noninterest Expense": "0.501", "Other Revenues": "-0.799", "Comprehensive Net Income": "2.39", "Economic Capital Ratio": "2.41"}, "2019": {"Long-term Debt": "0.596", "Liabilities": "-1.37", "ECR before LimitedLiability": "3.47", "Deposits": "-3.50", "Other Liabilities": "16.1", "Liabilities and Borrowings": "-21.5", "Loans and Leases Receivable": "-6.03", "Assets": "1.43", "Comprehensive Net Income": "3.46", "Other Assets": "-7.02", "Goodwill": "-0.824", "Cash Deposits and Cash Equivalents": "-0.936", "Assets and Securities": "16.5", "Expenses": "3.51", "Net Income": "1.78", "Labor Expense": "2.14", "Other Revenues": "-0.853", "Revenues": "-0.853", "Other Compr. Net Income": "1.68", "Other Net Income": "-0.878", "Economic Capital Ratio": "3.45"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "9,359,375", "Cash Deposits and Cash Equivalents": "518,420", "Deposits": "19,047,348", "Fees": "0", "Goodwill": "138,921", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "11,811,217", "Loans and Leases Receivable": "10,795,304", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,910,362", "Other Compr. Net Income": "-126,769", "Other Expenses": "122,230", "Other Liabilities": "-10,000,926", "Other Net Income": "383,347", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "349,654"}, "output_variables": {"Liabilities": "20,857,639", "Assets": "23,072,036", "Expenses": "122,230", "Revenues": "0", "Stockholders Equity": "2,214,397", "Net Income": "261,117", "Comprehensive Net Income": "134,348", "BaseVar": "23,112,545", "ECR before LimitedLiability": "10.0%", "Economic Capital Ratio": "10%"}}, "2014": {"input_variables": {"Assets and Securities": "10,026,615", "Cash Deposits and Cash Equivalents": "467,488", "Deposits": "19,475,778", "Fees": "0", "Goodwill": "138,921", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "12,725,857", "Loans and Leases Receivable": "11,312,706", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,690,679", "Other Compr. Net Income": "-126,523", "Other Expenses": "120,119", "Other Liabilities": "-10,541,601", "Other Net Income": "382,984", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "357,871"}, "output_variables": {"Liabilities": "21,660,034", "Assets": "23,994,280", "Expenses": "120,119", "Revenues": "0", "Stockholders Equity": "2,334,246", "Net Income": "262,865", "Comprehensive Net Income": "136,342", "BaseVar": "23,969,928", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2015": {"input_variables": {"Assets and Securities": "10,450,810", "Cash Deposits and Cash Equivalents": "488,214", "Deposits": "19,978,853", "Fees": "0", "Goodwill": "138,921", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "13,093,437", "Loans and Leases Receivable": "12,292,767", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "881,669", "Other Compr. Net Income": "19,853", "Other Expenses": "116,413", "Other Liabilities": "-10,834,746", "Other Net Income": "383,591", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "352,581"}, "output_variables": {"Liabilities": "22,237,544", "Assets": "24,604,962", "Expenses": "116,413", "Revenues": "0", "Stockholders Equity": "2,367,418", "Net Income": "267,178", "Comprehensive Net Income": "287,031", "BaseVar": "24,364,794", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2016": {"input_variables": {"Assets and Securities": "10,394,864", "Cash Deposits and Cash Equivalents": "766,965", "Deposits": "21,101,095", "Fees": "0", "Goodwill": "138,921", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "13,469,986", "Loans and Leases Receivable": "13,271,260", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "731,709", "Other Compr. Net Income": "-28,159", "Other Expenses": "124,504", "Other Liabilities": "-11,430,789", "Other Net Income": "401,812", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "337,705"}, "output_variables": {"Liabilities": "23,140,292", "Assets": "25,641,424", "Expenses": "124,504", "Revenues": "0", "Stockholders Equity": "2,501,132", "Net Income": "277,308", "Comprehensive Net Income": "249,149", "BaseVar": "25,397,230", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2017": {"input_variables": {"Assets and Securities": "9,337,156", "Cash Deposits and Cash Equivalents": "469,070", "Deposits": "20,425,446", "Fees": "0", "Goodwill": "138,921", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "13,189,405", "Loans and Leases Receivable": "13,845,540", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "707,618", "Other Compr. Net Income": "-10,665", "Other Expenses": "109,975", "Other Liabilities": "-11,499,620", "Other Net Income": "431,877", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "335,110"}, "output_variables": {"Liabilities": "22,115,231", "Assets": "24,833,415", "Expenses": "109,975", "Revenues": "0", "Stockholders Equity": "2,718,184", "Net Income": "321,902", "Comprehensive Net Income": "311,237", "BaseVar": "24,477,140", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2018": {"input_variables": {"Assets and Securities": "9,084,180", "Cash Deposits and Cash Equivalents": "1,197,768", "Deposits": "20,323,659", "Fees": "0", "Goodwill": "138,921", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "13,888,273", "Loans and Leases Receivable": "14,001,060", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "708,794", "Other Compr. Net Income": "-23,254", "Other Expenses": "105,754", "Other Liabilities": "-11,685,239", "Other Net Income": "552,741", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "333,119"}, "output_variables": {"Liabilities": "22,526,693", "Assets": "25,463,842", "Expenses": "105,754", "Revenues": "0", "Stockholders Equity": "2,937,149", "Net Income": "446,988", "Comprehensive Net Income": "423,734", "BaseVar": "25,232,642", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}, "2019": {"input_variables": {"Assets and Securities": "9,218,288", "Cash Deposits and Cash Equivalents": "887,465", "Deposits": "20,520,415", "Fees": "0", "Goodwill": "138,921", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "14,028,618", "Loans and Leases Receivable": "14,590,944", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "859,534", "Other Compr. Net Income": "-2,135", "Other Expenses": "109,205", "Other Liabilities": "-11,621,716", "Other Net Income": "531,057", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "370,637"}, "output_variables": {"Liabilities": "22,927,317", "Assets": "26,065,789", "Expenses": "109,205", "Revenues": "0", "Stockholders Equity": "3,138,472", "Net Income": "421,852", "Comprehensive Net Income": "419,717", "BaseVar": "25,662,503", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}}, "top_rated": true, "trend": 6.0, "value": 0.18702068249518405, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000022356.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000022356.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000022356.svg"}, {"company_id": "0000350852", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000350852.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 21, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 17% points.The greatest weakness of Community Trust Bancorp INC KY is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 29% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 18%, being 3.2% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000350852_2020_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"}, "2013": {"Long-term Debt": "0.904", "Liabilities": "1.42", "Stockholders Equity": "0.931", "ECR before LimitedLiability": "1.76", "Liabilities and Borrowings": "-37.5", "Other Liabilities": "12.1", "Deposits": "-5.64", "Goodwill": "0.523", "Assets": "-0.376", "Loans and Leases Receivable": "9.81", "Cash Deposits and Cash Equivalents": "-1.20", "Assets and Securities": "-3.98", "Other Assets": "-6.44", "Expenses": "-0.272", "Net Income": "1.37", "Other Expenses": "-0.707", "Labor Expense": "0.275", "Other Net Income": "1.79", "Other Compr. Net Income": "-0.640", "Comprehensive Net Income": "0.746", "Economic Capital Ratio": "1.62"}, "2014": {"Deposits": "-2.77", "Liabilities": "0.976", "Cash Deposits and Cash Equivalents": "-0.962", "Stockholders Equity": "1.02", "ECR before LimitedLiability": "2.35", "Other Liabilities": "15.3", "Liabilities and Borrowings": "-36.0", "Long-term Debt": "1.32", "Other Revenues": "-0.298", "Revenues": "-0.298", "Net Income": "0.980", "Other Assets": "-4.33", "Assets and Securities": "-3.82", "Goodwill": "0.436", "Loans and Leases Receivable": "8.96", "Other Net Income": "1.25", "Other Compr. Net Income": "0.309", "Comprehensive Net Income": "1.29", "Other Expenses": "-0.510", "Labor Expense": "0.330", "Economic Capital Ratio": "2.32"}, "2015": {"Deposits": "-3.03", "Liabilities": "0.980", "Stockholders Equity": "1.48", "ECR before LimitedLiability": "2.83", "Long-term Debt": "1.21", "Other Liabilities": "14.4", "Liabilities and Borrowings": "-29.7", "Loans and Leases Receivable": "8.29", "Assets": "0.524", "Assets and Securities": "-3.42", "Cash Deposits and Cash Equivalents": "0.610", "Goodwill": "0.397", "Other Assets": "-5.23", "Other Revenues": "-0.330", "Revenues": "-0.330", "Net Income": "1.08", "Comprehensive Net Income": "1.36", "Other Expenses": "-0.355", "Labor Expense": "0.285", "Other Net Income": "1.25", "Economic Capital Ratio": "2.79"}, "2016": {"Liabilities and Borrowings": "-31.0", "Liabilities": "0.865", "Assets": "0.963", "Stockholders Equity": "1.85", "ECR before LimitedLiability": "3.05", "Deposits": "-4.16", "Other Liabilities": "14.8", "Long-term Debt": "0.881", "Assets and Securities": "-4.14", "Other Assets": "-3.02", "Loans and Leases Receivable": "8.39", "Cash Deposits and Cash Equivalents": "-0.402", "Expenses": "0.504", "Net Income": "0.976", "Labor Expense": "0.457", "Other Revenues": "-0.515", "Revenues": "-0.515", "Other Compr. Net Income": "0.285", "Comprehensive Net Income": "1.26", "Other Net Income": "0.987", "Economic Capital Ratio": "3.01"}, "2017": {"Other Liabilities": "15.2", "Liabilities": "0.366", "Assets": "1.20", "Stockholders Equity": "1.66", "ECR before LimitedLiability": "2.92", "Liabilities and Borrowings": "-33.1", "Long-term Debt": "0.797", "Deposits": "-3.74", "Loans and Leases Receivable": "8.15", "Assets and Securities": "-3.77", "Other Assets": "-2.99", "Property, Plant and Equipment": "-0.246", "Expenses": "1.26", "Revenues": "-0.554", "Net Income": "1.46", "Other Expenses": "0.389", "Labor Expense": "0.551", "Other Revenues": "-0.554", "Comprehensive Net Income": "1.39", "Other Net Income": "0.754", "Economic Capital Ratio": "2.87"}, "2018": {"Other Liabilities": "16.1", "Liabilities": "-1.48", "Assets": "3.14", "Stockholders Equity": "2.11", "ECR before LimitedLiability": "3.48", "Long-term Debt": "0.681", "Liabilities and Borrowings": "-32.2", "Deposits": "-5.02", "Assets and Securities": "-6.84", "Loans and Leases Receivable": "10.8", "Cash Deposits and Cash Equivalents": "-0.693", "Labor Expense": "2.10", "Expenses": "3.79", "Revenues": "-0.789", "Net Income": "1.61", "Other Noninterest Expense": "0.495", "Other Expenses": "0.407", "Other Revenues": "-0.789", "Comprehensive Net Income": "1.76", "Other Net Income": "-1.40", "Economic Capital Ratio": "3.39"}, "2019": {"Long-term Debt": "0.584", "Liabilities": "-1.86", "Assets": "3.64", "Stockholders Equity": "2.38", "ECR before LimitedLiability": "3.18", "Deposits": "-4.99", "Other Liabilities": "17.4", "Liabilities and Borrowings": "-29.0", "Loans and Leases Receivable": "8.25", "Other Assets": "-6.90", "Cash Deposits and Cash Equivalents": "1.09", "Assets and Securities": "2.19", "Expenses": "4.36", "Revenues": "-0.837", "Net Income": "1.37", "Other Expenses": "1.05", "Labor Expense": "2.10", "Other Revenues": "-0.837", "Comprehensive Net Income": "1.47", "Other Net Income": "-2.15", "Economic Capital Ratio": "3.15"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "27,228", "Cash Deposits and Cash Equivalents": "106,641", "Deposits": "2,855,074", "Fees": "0", "Goodwill": "65,490", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,264,744", "Loans and Leases Receivable": "2,581,346", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "749,011", "Other Compr. Net Income": "-20,691", "Other Expenses": "20,000", "Other Liabilities": "-1,950,594", "Other Net Income": "65,172", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "52,000"}, "output_variables": {"Liabilities": "3,169,224", "Assets": "3,581,716", "Expenses": "20,000", "Revenues": "0", "Stockholders Equity": "412,492", "Net Income": "45,172", "Comprehensive Net Income": "24,481", "BaseVar": "3,567,611", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2014": {"input_variables": {"Assets and Securities": "27,378", "Cash Deposits and Cash Equivalents": "105,517", "Deposits": "2,874,257", "Fees": "0", "Goodwill": "65,490", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,229,524", "Loans and Leases Receivable": "2,699,377", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "776,023", "Other Compr. Net Income": "-20,653", "Other Expenses": "18,942", "Other Liabilities": "-1,827,893", "Other Net Income": "61,848", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "49,980"}, "output_variables": {"Liabilities": "3,275,888", "Assets": "3,723,765", "Expenses": "18,942", "Revenues": "0", "Stockholders Equity": "447,877", "Net Income": "42,906", "Comprehensive Net Income": "22,253", "BaseVar": "3,683,944", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2015": {"input_variables": {"Assets and Securities": "33,827", "Cash Deposits and Cash Equivalents": "187,611", "Deposits": "2,980,782", "Fees": "0", "Goodwill": "65,490", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,252,238", "Loans and Leases Receivable": "2,837,867", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "730,951", "Other Compr. Net Income": "4,485", "Other Expenses": "18,383", "Other Liabilities": "-1,804,669", "Other Net Income": "65,461", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "48,188"}, "output_variables": {"Liabilities": "3,428,351", "Assets": "3,903,934", "Expenses": "18,383", "Revenues": "0", "Stockholders Equity": "475,583", "Net Income": "47,079", "Comprehensive Net Income": "51,563", "BaseVar": "3,826,459", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2016": {"input_variables": {"Assets and Securities": "36,984", "Cash Deposits and Cash Equivalents": "144,716", "Deposits": "3,081,308", "Fees": "0", "Goodwill": "65,490", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,337,634", "Loans and Leases Receivable": "2,902,438", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "734,601", "Other Compr. Net Income": "-1,910", "Other Expenses": "19,258", "Other Liabilities": "-1,987,388", "Other Net Income": "66,757", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "47,940"}, "output_variables": {"Liabilities": "3,431,554", "Assets": "3,932,169", "Expenses": "19,258", "Revenues": "0", "Stockholders Equity": "500,615", "Net Income": "47,499", "Comprehensive Net Income": "45,589", "BaseVar": "3,841,446", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2017": {"input_variables": {"Assets and Securities": "41,459", "Cash Deposits and Cash Equivalents": "175,274", "Deposits": "3,263,863", "Fees": "0", "Goodwill": "65,490", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,498,856", "Loans and Leases Receivable": "3,086,789", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "720,901", "Other Compr. Net Income": "-2,141", "Other Expenses": "16,530", "Other Liabilities": "-2,157,187", "Other Net Income": "68,913", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "46,318"}, "output_variables": {"Liabilities": "3,605,532", "Assets": "4,136,231", "Expenses": "16,530", "Revenues": "0", "Stockholders Equity": "530,699", "Net Income": "52,383", "Comprehensive Net Income": "50,242", "BaseVar": "4,029,848", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2018": {"input_variables": {"Assets and Securities": "57,150", "Cash Deposits and Cash Equivalents": "141,450", "Deposits": "3,305,950", "Fees": "0", "Goodwill": "65,490", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,537,118", "Loans and Leases Receivable": "3,172,730", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "719,505", "Other Compr. Net Income": "-2,538", "Other Expenses": "9,653", "Other Liabilities": "-2,205,602", "Other Net Income": "70,944", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "45,291"}, "output_variables": {"Liabilities": "3,637,466", "Assets": "4,201,616", "Expenses": "9,653", "Revenues": "0", "Stockholders Equity": "564,150", "Net Income": "61,291", "Comprehensive Net Income": "58,753", "BaseVar": "4,070,432", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}, "2019": {"input_variables": {"Assets and Securities": "637,575", "Cash Deposits and Cash Equivalents": "264,683", "Deposits": "3,405,572", "Fees": "0", "Goodwill": "65,490", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,569,144", "Loans and Leases Receivable": "3,213,568", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "140,641", "Other Compr. Net Income": "4,179", "Other Expenses": "6,027", "Other Liabilities": "-2,223,599", "Other Net Income": "72,281", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "44,046"}, "output_variables": {"Liabilities": "3,751,117", "Assets": "4,366,003", "Expenses": "6,027", "Revenues": "0", "Stockholders Equity": "614,886", "Net Income": "66,254", "Comprehensive Net Income": "70,433", "BaseVar": "4,208,275", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "18%"}}}, "top_rated": true, "trend": -4.0, "value": 0.18410003590399177, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000350852.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000350852.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000350852.svg"}, {"company_id": "0000811589", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000811589.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0000811589.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000811589.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000811589_256x256.png", "name": "First Bancorp NC", "rank": 22, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0000811589.svg", "report_text": "The relative strengths and weaknesses of First Bancorp NC are 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 NC compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 17% points.The greatest weakness of First Bancorp NC is the variable Other Liabilities, reducing the Economic Capital Ratio by 23% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 18%, being 3.2% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000811589_2020_First_Bancorp_NC.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "0.964", "Liabilities": "-1.60", "ECR before LimitedLiability": "-2.51", "Other Liabilities": "-16.9", "Liabilities and Borrowings": "9.64", "Deposits": "-8.75", "Other Assets": "-8.59", "Assets": "1.16", "Comprehensive Net Income": "-1.67", "Goodwill": "0.546", "Assets and Securities": "-3.31", "Loans and Leases Receivable": "8.57", "Property, Plant and Equipment": "0.334", "Expenses": "1.13", "Net Income": "-1.03", "Other Expenses": "1.04", "Other Revenues": "-0.602", "Revenues": "-0.602", "Other Net Income": "-1.62", "Other Compr. Net Income": "-0.624", "Economic Capital Ratio": "-2.77"}, "2013": {"Long-term Debt": "0.884", "Liabilities": "-0.586", "Stockholders Equity": "1.29", "ECR before LimitedLiability": "2.02", "Liabilities and Borrowings": "12.0", "Other Liabilities": "-11.8", "Deposits": "-14.3", "Goodwill": "0.724", "Assets": "1.69", "Loans and Leases Receivable": "11.2", "Cash Deposits and Cash Equivalents": "1.88", "Assets and Securities": "-3.73", "Other Assets": "-11.9", "Property, Plant and Equipment": "0.637", "Expenses": "0.355", "Net Income": "-0.836", "Labor Expense": "0.269", "Other Net Income": "-1.04", "Other Compr. Net Income": "1.73", "Comprehensive Net Income": "0.918", "Economic Capital Ratio": "1.87"}, "2019": {"Long-term Debt": "0.589", "Liabilities": "-1.23", "Stockholders Equity": "2.11", "ECR before LimitedLiability": "3.18", "Deposits": "-6.47", "Other Liabilities": "-23.3", "Liabilities and Borrowings": "16.8", "Loans and Leases Receivable": "6.59", "Assets": "2.88", "Other Assets": "-6.43", "Goodwill": "1.59", "Cash Deposits and Cash Equivalents": "-0.622", "Assets and Securities": "1.90", "Expenses": "3.54", "Revenues": "-0.845", "Net Income": "1.41", "Labor Expense": "2.12", "Other Revenues": "-0.845", "Comprehensive Net Income": "1.60", "Other Net Income": "-1.29", "Economic Capital Ratio": "3.15"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0000811589_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "43,177", "Cash Deposits and Cash Equivalents": "216,167", "Deposits": "2,755,037", "Fees": "0", "Goodwill": "65,835", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "188,415", "Loans and Leases Receivable": "2,388,968", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "506,352", "Other Compr. Net Income": "-3,597", "Other Expenses": "7,370", "Other Liabilities": "1,872", "Other Net Income": "21,012", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "69,975"}, "output_variables": {"Liabilities": "2,945,324", "Assets": "3,290,474", "Expenses": "7,370", "Revenues": "0", "Stockholders Equity": "345,150", "Net Income": "13,642", "Comprehensive Net Income": "10,045", "BaseVar": "3,175,941", "ECR before LimitedLiability": "9.7%", "Economic Capital Ratio": "9.8%"}}, "2013": {"input_variables": {"Assets and Securities": "29,473", "Cash Deposits and Cash Equivalents": "223,274", "Deposits": "2,751,019", "Fees": "0", "Goodwill": "65,835", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "61,250", "Loans and Leases Receivable": "2,414,689", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "374,351", "Other Compr. Net Income": "2,076", "Other Expenses": "12,081", "Other Liabilities": "879", "Other Net Income": "32,780", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "77,448"}, "output_variables": {"Liabilities": "2,813,148", "Assets": "3,185,070", "Expenses": "12,081", "Revenues": "0", "Stockholders Equity": "371,922", "Net Income": "20,699", "Comprehensive Net Income": "22,775", "BaseVar": "3,084,300", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2019": {"input_variables": {"Assets and Securities": "881,550", "Cash Deposits and Cash Equivalents": "231,302", "Deposits": "4,931,355", "Fees": "0", "Goodwill": "234,368", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "337,874", "Loans and Leases Receivable": "4,432,068", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "249,492", "Other Compr. Net Income": "17,084", "Other Expenses": "24,230", "Other Liabilities": "22,009", "Other Net Income": "116,276", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "114,859"}, "output_variables": {"Liabilities": "5,291,238", "Assets": "6,143,639", "Expenses": "24,230", "Revenues": "0", "Stockholders Equity": "852,401", "Net Income": "92,046", "Comprehensive Net Income": "109,130", "BaseVar": "6,003,464", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "18%"}}}, "top_rated": true, "trend": null, "value": 0.18408486915543631, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000811589.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000811589.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000811589.svg"}, {"company_id": "0000859070", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000859070.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0000859070.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000859070.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000859070_256x256.png", "name": "First Community Bankshares INC VA", "rank": 23, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0000859070.svg", "report_text": "The relative strengths and weaknesses of First Community Bankshares INC 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 Community Bankshares INC VA compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 18% points.The greatest weakness of First Community Bankshares INC VA 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 18%, being 3.0% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000859070_2020_First_Community_Bankshares_INC_VA.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "1.12", "Liabilities": "1.30", "Stockholders Equity": "2.81", "ECR before LimitedLiability": "2.99", "Other Liabilities": "14.9", "Liabilities and Borrowings": "-33.9", "Deposits": "2.20", "Other Assets": "-2.92", "Assets": "1.48", "Goodwill": "1.98", "Assets and Securities": "-0.890", "Loans and Leases Receivable": "5.82", "Cash Deposits and Cash Equivalents": "-2.91", "Property, Plant and Equipment": "0.659", "Expenses": "0.415", "Net Income": "0.888", "Other Revenues": "-0.651", "Revenues": "-0.651", "Other Net Income": "1.12", "Comprehensive Net Income": "0.639", "Economic Capital Ratio": "2.74"}, "2017": {"Other Liabilities": "16.0", "Liabilities": "2.16", "Stockholders Equity": "3.19", "ECR before LimitedLiability": "3.61", "Liabilities and Borrowings": "-35.4", "Long-term Debt": "0.810", "Deposits": "-5.52", "Loans and Leases Receivable": "8.71", "Assets": "1.10", "Cash Deposits and Cash Equivalents": "1.92", "Assets and Securities": "-2.23", "Other Assets": "-8.85", "Property, Plant and Equipment": "0.418", "Goodwill": "1.85", "Expenses": "-0.490", "Other Expenses": "-1.37", "Labor Expense": "0.558", "Other Revenues": "-0.561", "Revenues": "-0.561", "Economic Capital Ratio": "3.56", "Other Net Income": "1.17"}, "2018": {"Property, Plant and Equipment": "0.518", "Assets": "3.11", "Long-term Debt": "0.697", "Stockholders Equity": "3.29", "ECR before LimitedLiability": "5.82", "Assets and Securities": "-0.698", "Other Assets": "-10.1", "Loans and Leases Receivable": "13.1", "Goodwill": "1.85", "Cash Deposits and Cash Equivalents": "-0.644", "Labor Expense": "2.12", "Expenses": "3.36", "Revenues": "-0.796", "Net Income": "2.45", "Other Noninterest Expense": "0.499", "Other Revenues": "-0.796", "Other Liabilities": "18.6", "Liabilities and Borrowings": "-35.4", "Deposits": "-9.16", "Comprehensive Net Income": "2.84", "Economic Capital Ratio": "5.73"}, "2019": {"Liabilities": "-1.05", "Stockholders Equity": "3.47", "ECR before LimitedLiability": "2.99", "Deposits": "-10.7", "Other Liabilities": "18.2", "Liabilities and Borrowings": "-31.9", "Loans and Leases Receivable": "9.48", "Assets": "3.99", "Other Assets": "-8.50", "Goodwill": "2.24", "Property, Plant and Equipment": "0.729", "Cash Deposits and Cash Equivalents": "2.39", "Assets and Securities": "-1.39", "Expenses": "3.50", "Net Income": "1.04", "Labor Expense": "2.10", "Other Revenues": "-0.839", "Revenues": "-0.839", "Other Net Income": "-1.62", "Other Compr. Net Income": "-0.890", "Economic Capital Ratio": "2.96"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0000859070_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "101,683", "Cash Deposits and Cash Equivalents": "47,294", "Deposits": "1,543,467", "Fees": "0", "Goodwill": "83,056", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,323,651", "Loans and Leases Receivable": "1,369,862", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "508,173", "Other Compr. Net Income": "0", "Other Expenses": "9,573", "Other Liabilities": "-1,008,058", "Other Net Income": "29,601", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "54,721"}, "output_variables": {"Liabilities": "1,859,060", "Assets": "2,164,789", "Expenses": "9,573", "Revenues": "0", "Stockholders Equity": "305,729", "Net Income": "20,028", "Comprehensive Net Income": "20,028", "BaseVar": "2,083,025", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2017": {"input_variables": {"Assets and Securities": "76,363", "Cash Deposits and Cash Equivalents": "157,951", "Deposits": "1,929,891", "Fees": "0", "Goodwill": "95,779", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,475,748", "Loans and Leases Receivable": "1,797,908", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "212,333", "Other Compr. Net Income": "1,415", "Other Expenses": "20,628", "Other Liabilities": "-1,367,893", "Other Net Income": "42,113", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "48,126"}, "output_variables": {"Liabilities": "2,037,746", "Assets": "2,388,460", "Expenses": "20,628", "Revenues": "0", "Stockholders Equity": "350,714", "Net Income": "21,485", "Comprehensive Net Income": "22,900", "BaseVar": "2,329,546", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}, "2018": {"input_variables": {"Assets and Securities": "227,689", "Cash Deposits and Cash Equivalents": "76,873", "Deposits": "1,855,750", "Fees": "0", "Goodwill": "92,744", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,396,200", "Loans and Leases Receivable": "1,756,817", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "44,466", "Other Compr. Net Income": "-589", "Other Expenses": "8,782", "Other Liabilities": "-1,340,433", "Other Net Income": "45,122", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "45,785"}, "output_variables": {"Liabilities": "1,911,517", "Assets": "2,244,374", "Expenses": "8,782", "Revenues": "0", "Stockholders Equity": "332,857", "Net Income": "36,340", "Comprehensive Net Income": "35,751", "BaseVar": "2,176,850", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "19%"}}, "2019": {"input_variables": {"Assets and Securities": "271,103", "Cash Deposits and Cash Equivalents": "217,009", "Deposits": "2,329,912", "Fees": "0", "Goodwill": "129,565", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,702,044", "Loans and Leases Receivable": "2,096,035", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "22,311", "Other Compr. Net Income": "-299", "Other Expenses": "10,302", "Other Liabilities": "-1,661,928", "Other Net Income": "50,040", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "62,824"}, "output_variables": {"Liabilities": "2,370,028", "Assets": "2,798,847", "Expenses": "10,302", "Revenues": "0", "Stockholders Equity": "428,819", "Net Income": "39,738", "Comprehensive Net Income": "39,439", "BaseVar": "2,694,502", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "18%"}}}, "top_rated": true, "trend": -17.0, "value": 0.18215345177406073, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000859070.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000859070.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000859070.svg"}, {"company_id": "0000036377", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000036377.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0000036377.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000036377.jpeg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000036377_256x256.png", "name": "First Hawaiian INC", "rank": 24, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0000036377.svg", "report_text": "The relative strengths and weaknesses of First Hawaiian 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 Hawaiian INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 17% points.The greatest weakness of First Hawaiian INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 22% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 18%, being 2.9% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000036377_2020_First_Hawaiian_INC.pdf", "shrinked_graph_json": {"2016": {"Liabilities and Borrowings": "-26.5", "Liabilities": "1.57", "Assets and Securities": "12.6", "Stockholders Equity": "1.64", "ECR before LimitedLiability": "2.40", "Deposits": "-10.3", "Other Liabilities": "14.2", "Long-term Debt": "0.884", "Other Expenses": "-1.11", "Expenses": "-0.376", "Revenues": "-0.519", "Net Income": "0.806", "Labor Expense": "0.460", "Other Revenues": "-0.519", "Other Assets": "-13.8", "Goodwill": "2.77", "Loans and Leases Receivable": "-3.57", "Cash Deposits and Cash Equivalents": "0.807", "Comprehensive Net Income": "0.701", "Other Net Income": "1.69", "Economic Capital Ratio": "2.36"}, "2017": {"Other Liabilities": "13.4", "Liabilities": "1.02", "Stockholders Equity": "1.10", "ECR before LimitedLiability": "1.07", "Liabilities and Borrowings": "-28.1", "Long-term Debt": "0.792", "Deposits": "-9.18", "Loans and Leases Receivable": "-3.90", "Assets": "0.144", "Cash Deposits and Cash Equivalents": "0.682", "Assets and Securities": "12.1", "Other Assets": "-13.2", "Goodwill": "2.44", "Expenses": "-0.579", "Other Expenses": "-1.46", "Labor Expense": "0.554", "Other Revenues": "-0.558", "Revenues": "-0.558", "Other Compr. Net Income": "-0.119", "Economic Capital Ratio": "1.02", "Other Net Income": "1.19"}, "2018": {"Other Liabilities": "14.4", "Liabilities": "-1.76", "Assets": "2.37", "Stockholders Equity": "0.992", "ECR before LimitedLiability": "1.89", "Long-term Debt": "0.676", "Liabilities and Borrowings": "-25.0", "Deposits": "-8.24", "Assets and Securities": "8.91", "Other Assets": "-10.1", "Loans and Leases Receivable": "1.02", "Goodwill": "2.37", "Labor Expense": "2.10", "Expenses": "3.09", "Revenues": "-0.791", "Net Income": "1.05", "Other Noninterest Expense": "0.496", "Other Revenues": "-0.791", "Comprehensive Net Income": "1.24", "Other Net Income": "-1.27", "Economic Capital Ratio": "1.81"}, "2019": {"Long-term Debt": "0.592", "Liabilities": "-1.19", "Assets": "2.17", "Stockholders Equity": "1.36", "ECR before LimitedLiability": "2.97", "Deposits": "-7.00", "Other Liabilities": "16.6", "Liabilities and Borrowings": "-22.2", "Other Assets": "-7.49", "Goodwill": "2.42", "Cash Deposits and Cash Equivalents": "-0.885", "Assets and Securities": "8.19", "Expenses": "3.23", "Net Income": "1.01", "Labor Expense": "2.13", "Other Revenues": "-0.849", "Revenues": "-0.849", "Comprehensive Net Income": "2.06", "Other Compr. Net Income": "1.04", "Other Net Income": "-1.37", "Economic Capital Ratio": "2.94"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0000036377_strength_weakness.svg", "table_records": {"2016": {"input_variables": {"Assets and Securities": "5,440,289", "Cash Deposits and Cash Equivalents": "1,052,058", "Deposits": "16,794,532", "Fees": "0", "Goodwill": "995,492", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "11,050,631", "Loans and Leases Receivable": "11,384,884", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "488,318", "Other Compr. Net Income": "-36,752", "Other Expenses": "141,651", "Other Liabilities": "-10,659,819", "Other Net Income": "371,829", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "300,788"}, "output_variables": {"Liabilities": "17,185,344", "Assets": "19,661,829", "Expenses": "141,651", "Revenues": "0", "Stockholders Equity": "2,476,485", "Net Income": "230,178", "Comprehensive Net Income": "193,426", "BaseVar": "19,422,258", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2017": {"input_variables": {"Assets and Securities": "5,589,916", "Cash Deposits and Cash Equivalents": "1,034,644", "Deposits": "17,612,122", "Fees": "0", "Goodwill": "995,492", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "11,755,805", "Loans and Leases Receivable": "12,140,116", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "500,078", "Other Compr. Net Income": "-8,372", "Other Expenses": "184,673", "Other Liabilities": "-11,351,017", "Other Net Income": "368,355", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "289,215"}, "output_variables": {"Liabilities": "18,016,910", "Assets": "20,549,461", "Expenses": "184,673", "Revenues": "0", "Stockholders Equity": "2,532,551", "Net Income": "183,682", "Comprehensive Net Income": "175,310", "BaseVar": "20,302,126", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2018": {"input_variables": {"Assets and Securities": "4,944,746", "Cash Deposits and Cash Equivalents": "1,003,637", "Deposits": "17,150,068", "Fees": "0", "Goodwill": "995,492", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "11,434,963", "Loans and Leases Receivable": "12,934,473", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "512,334", "Other Compr. Net Income": "-15,744", "Other Expenses": "93,784", "Other Liabilities": "-10,414,192", "Other Net Income": "358,178", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "304,996"}, "output_variables": {"Liabilities": "18,170,839", "Assets": "20,695,678", "Expenses": "93,784", "Revenues": "0", "Stockholders Equity": "2,524,839", "Net Income": "264,394", "Comprehensive Net Income": "248,650", "BaseVar": "20,282,145", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2019": {"input_variables": {"Assets and Securities": "4,566,217", "Cash Deposits and Cash Equivalents": "694,017", "Deposits": "16,444,994", "Fees": "0", "Goodwill": "995,492", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "10,908,163", "Loans and Leases Receivable": "13,081,120", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "513,003", "Other Compr. Net Income": "-667", "Other Expenses": "97,538", "Other Liabilities": "-9,826,681", "Other Net Income": "381,447", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "316,885"}, "output_variables": {"Liabilities": "17,526,476", "Assets": "20,166,734", "Expenses": "97,538", "Revenues": "0", "Stockholders Equity": "2,640,258", "Net Income": "283,909", "Comprehensive Net Income": "283,241", "BaseVar": "19,717,173", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}}, "top_rated": true, "trend": 10.0, "value": 0.18199427431199158, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000036377.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000036377.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000036377.svg"}, {"company_id": "0000721994", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000721994.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 25, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 18% points.The greatest weakness of Lakeland Financial CORP 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 18%, being 2.9% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000721994_2020_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"}, "2013": {"Liabilities": "5.21", "ECR before LimitedLiability": "1.64", "Liabilities and Borrowings": "-37.3", "Other Liabilities": "11.9", "Deposits": "-1.04", "Assets": "-5.72", "Loans and Leases Receivable": "9.96", "Cash Deposits and Cash Equivalents": "-2.16", "Assets and Securities": "-4.17", "Other Assets": "-10.2", "Expenses": "-5.53", "Net Income": "3.16", "IT and Equipment Expense": "-0.976", "Other Expenses": "1.06", "Labor Expense": "-4.15", "Other Revenues": "3.30", "Revenues": "3.30", "Other Compr. Net Income": "-1.64", "Comprehensive Net Income": "1.64", "Other Net Income": "4.82", "Economic Capital Ratio": "1.49"}, "2014": {"Deposits": "-7.67", "Liabilities": "0.684", "Stockholders Equity": "-0.345", "ECR before LimitedLiability": "1.17", "Other Liabilities": "14.1", "Liabilities and Borrowings": "-44.6", "Long-term Debt": "1.31", "Cash Deposits and Cash Equivalents": "-1.15", "Assets": "-0.881", "Other Assets": "-7.63", "Assets and Securities": "-3.84", "Goodwill": "-0.761", "Loans and Leases Receivable": "11.9", "Expenses": "-0.463", "Revenues": "-0.299", "Net Income": "1.34", "Other Expenses": "-1.00", "Labor Expense": "0.331", "Other Revenues": "-0.299", "Comprehensive Net Income": "1.40", "Other Net Income": "2.09", "Economic Capital Ratio": "1.13"}, "2015": {"Deposits": "-9.65", "Liabilities": "0.624", "ECR before LimitedLiability": "1.29", "Long-term Debt": "1.19", "Other Liabilities": "13.0", "Liabilities and Borrowings": "-39.0", "Loans and Leases Receivable": "11.1", "Assets": "-0.603", "Assets and Securities": "-3.56", "Cash Deposits and Cash Equivalents": "-1.39", "Goodwill": "-0.755", "Other Assets": "-7.96", "Expenses": "-0.313", "Net Income": "1.17", "Other Expenses": "-0.828", "Labor Expense": "0.285", "Other Revenues": "-0.330", "Revenues": "-0.330", "Comprehensive Net Income": "1.29", "Other Net Income": "1.80", "Economic Capital Ratio": "1.25"}, "2016": {"Assets and Securities": "-4.38", "Assets": "-0.392", "Long-term Debt": "0.856", "Stockholders Equity": "-0.569", "ECR before LimitedLiability": "0.560", "Other Assets": "-6.46", "Goodwill": "-0.932", "Loans and Leases Receivable": "10.2", "Cash Deposits and Cash Equivalents": "-0.296", "Other Revenues": "-0.511", "Revenues": "-0.511", "Net Income": "0.916", "Other Liabilities": "12.3", "Liabilities and Borrowings": "-35.9", "Deposits": "-7.46", "Comprehensive Net Income": "1.12", "Other Expenses": "-0.566", "Other Net Income": "1.26", "Labor Expense": "0.451", "Other Compr. Net Income": "0.208", "Economic Capital Ratio": "0.517"}, "2017": {"Loans and Leases Receivable": "10.3", "Assets": "-0.594", "Long-term Debt": "0.784", "Stockholders Equity": "-0.861", "ECR before LimitedLiability": "0.589", "Cash Deposits and Cash Equivalents": "-0.293", "Assets and Securities": "-4.15", "Other Assets": "-5.90", "Goodwill": "-1.09", "Expenses": "0.249", "Revenues": "-0.555", "Net Income": "1.26", "Other Expenses": "-0.627", "Labor Expense": "0.550", "Other Revenues": "-0.555", "Other Liabilities": "12.9", "Liabilities and Borrowings": "-39.7", "Deposits": "-8.19", "Comprehensive Net Income": "1.44", "Other Net Income": "1.56", "Economic Capital Ratio": "0.540"}, "2018": {"Other Liabilities": "14.6", "Liabilities": "-2.14", "Assets": "1.45", "Stockholders Equity": "-0.342", "ECR before LimitedLiability": "1.86", "Long-term Debt": "0.679", "Liabilities and Borrowings": "-35.1", "Deposits": "-7.36", "Assets and Securities": "-7.42", "Other Assets": "-2.25", "Loans and Leases Receivable": "11.9", "Goodwill": "-1.15", "Labor Expense": "2.10", "Expenses": "3.40", "Revenues": "-0.795", "Net Income": "2.41", "Occupancy": "0.355", "Other Noninterest Expense": "0.498", "Other Revenues": "-0.795", "Comprehensive Net Income": "2.48", "Economic Capital Ratio": "1.77"}, "2019": {"Long-term Debt": "0.592", "Liabilities": "-1.59", "Stockholders Equity": "0.475", "ECR before LimitedLiability": "2.90", "Deposits": "-8.49", "Other Liabilities": "18.1", "Liabilities and Borrowings": "-34.6", "Loans and Leases Receivable": "12.2", "Assets": "1.69", "Other Assets": "-7.62", "Goodwill": "-1.13", "Cash Deposits and Cash Equivalents": "-1.92", "Assets and Securities": "0.848", "Expenses": "3.52", "Net Income": "2.33", "Labor Expense": "2.13", "Other Revenues": "-0.850", "Revenues": "-0.850", "Comprehensive Net Income": "2.86", "Other Compr. Net Income": "0.534", "Economic Capital Ratio": "2.88"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "29,116", "Cash Deposits and Cash Equivalents": "63,105", "Deposits": "2,546,068", "Fees": "3,171", "Goodwill": "4,970", "IT and Equipment Expense": "8,466", "Labor Expense": "37,176", "Liabilities and Borrowings": "2,078,435", "Loans and Leases Receivable": "2,486,301", "Long-term Debt": "0", "Occupancy": "3,376", "Other Assets": "552,937", "Other Compr. Net Income": "-27,742", "Other Expenses": "3,632", "Other Liabilities": "-1,770,703", "Other Net Income": "90,439", "Other Noninterest Expense": "6,957", "Other Revenues": "30,737", "Property, Plant and Equipment": "39,335"}, "output_variables": {"Liabilities": "2,853,800", "Assets": "3,175,764", "Expenses": "62,778", "Revenues": "30,737", "Stockholders Equity": "321,964", "Net Income": "58,398", "Comprehensive Net Income": "30,656", "BaseVar": "3,399,010", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2014": {"input_variables": {"Assets and Securities": "27,452", "Cash Deposits and Cash Equivalents": "90,638", "Deposits": "2,873,120", "Fees": "3,095", "Goodwill": "4,970", "IT and Equipment Expense": "8,264", "Labor Expense": "36,289", "Liabilities and Borrowings": "2,308,088", "Loans and Leases Receivable": "2,716,058", "Long-term Debt": "0", "Occupancy": "3,295", "Other Assets": "562,183", "Other Compr. Net Income": "-27,663", "Other Expenses": "14,572", "Other Liabilities": "-2,099,309", "Other Net Income": "68,193", "Other Noninterest Expense": "6,791", "Other Revenues": "30,004", "Property, Plant and Equipment": "41,983"}, "output_variables": {"Liabilities": "3,081,899", "Assets": "3,443,284", "Expenses": "72,307", "Revenues": "30,004", "Stockholders Equity": "361,385", "Net Income": "25,889", "Comprehensive Net Income": "-1,774", "BaseVar": "3,622,264", "ECR before LimitedLiability": "8.3%", "Economic Capital Ratio": "8.6%"}}, "2015": {"input_variables": {"Assets and Securities": "28,446", "Cash Deposits and Cash Equivalents": "80,674", "Deposits": "3,183,421", "Fees": "0", "Goodwill": "4,970", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,483,935", "Loans and Leases Receivable": "3,037,319", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "568,193", "Other Compr. Net Income": "1,766", "Other Expenses": "22,724", "Other Liabilities": "-2,293,971", "Other Net Income": "68,939", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "46,684"}, "output_variables": {"Liabilities": "3,373,385", "Assets": "3,766,286", "Expenses": "22,724", "Revenues": "0", "Stockholders Equity": "392,901", "Net Income": "46,215", "Comprehensive Net Income": "47,981", "BaseVar": "3,739,409", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2016": {"input_variables": {"Assets and Securities": "31,153", "Cash Deposits and Cash Equivalents": "167,280", "Deposits": "3,577,912", "Fees": "0", "Goodwill": "4,970", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,776,474", "Loans and Leases Receivable": "3,427,209", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "607,321", "Other Compr. Net Income": "-3,367", "Other Expenses": "24,575", "Other Liabilities": "-2,491,428", "Other Net Income": "76,563", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "52,092"}, "output_variables": {"Liabilities": "3,862,958", "Assets": "4,290,025", "Expenses": "24,575", "Revenues": "0", "Stockholders Equity": "427,067", "Net Income": "51,988", "Comprehensive Net Income": "48,620", "BaseVar": "4,266,169", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2017": {"input_variables": {"Assets and Securities": "28,439", "Cash Deposits and Cash Equivalents": "176,180", "Deposits": "4,008,655", "Fees": "0", "Goodwill": "4,970", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,140,766", "Loans and Leases Receivable": "3,771,338", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "645,583", "Other Compr. Net Income": "-864", "Other Expenses": "30,666", "Other Liabilities": "-2,935,112", "Other Net Income": "88,889", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "56,466"}, "output_variables": {"Liabilities": "4,214,309", "Assets": "4,682,976", "Expenses": "30,666", "Revenues": "0", "Stockholders Equity": "468,667", "Net Income": "58,223", "Comprehensive Net Income": "57,359", "BaseVar": "4,667,203", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2018": {"input_variables": {"Assets and Securities": "34,735", "Cash Deposits and Cash Equivalents": "216,922", "Deposits": "4,044,065", "Fees": "0", "Goodwill": "4,970", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,119,825", "Loans and Leases Receivable": "3,866,292", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "694,238", "Other Compr. Net Income": "-2,343", "Other Expenses": "22,490", "Other Liabilities": "-2,810,340", "Other Net Income": "98,629", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "58,097"}, "output_variables": {"Liabilities": "4,353,550", "Assets": "4,875,254", "Expenses": "22,490", "Revenues": "0", "Stockholders Equity": "521,704", "Net Income": "76,139", "Comprehensive Net Income": "73,796", "BaseVar": "4,838,484", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2019": {"input_variables": {"Assets and Securities": "649,526", "Cash Deposits and Cash Equivalents": "99,381", "Deposits": "4,133,819", "Fees": "0", "Goodwill": "4,970", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,183,734", "Loans and Leases Receivable": "4,015,176", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "117,538", "Other Compr. Net Income": "7,219", "Other Expenses": "19,870", "Other Liabilities": "-2,968,908", "Other Net Income": "107,246", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "60,154"}, "output_variables": {"Liabilities": "4,348,645", "Assets": "4,946,745", "Expenses": "19,870", "Revenues": "0", "Stockholders Equity": "598,100", "Net Income": "87,376", "Comprehensive Net Income": "94,595", "BaseVar": "4,891,514", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}}, "top_rated": true, "trend": 11.0, "value": 0.18133047165724317, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000721994.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000721994.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000721994.svg"}, {"company_id": "0001501570", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001501570.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001501570.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001501570.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001501570_256x256.png", "name": "Veritex Holdings Inc", "rank": 26, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001501570.svg", "report_text": "The relative strengths and weaknesses of Veritex 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 Veritex Holdings Inc compared to the market average is the variable Loans and Leases Receivable, increasing the Economic Capital Ratio by 9.0% points.The greatest weakness of Veritex Holdings Inc is the variable Other Assets, reducing the Economic Capital Ratio by 7.7% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 18%, being 2.8% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001501570_2020_Veritex_Holdings_Inc.pdf", "shrinked_graph_json": {"2014": {"Deposits": "-7.32", "Liabilities": "0.397", "Stockholders Equity": "3.01", "ECR before LimitedLiability": "1.37", "Other Liabilities": "14.1", "Liabilities and Borrowings": "-22.9", "Long-term Debt": "1.28", "Cash Deposits and Cash Equivalents": "5.71", "Assets": "2.45", "Other Assets": "-11.9", "Assets and Securities": "-4.06", "Goodwill": "0.945", "Loans and Leases Receivable": "12.1", "Expenses": "0.656", "Net Income": "-0.898", "Labor Expense": "0.323", "Other Revenues": "-0.292", "Revenues": "-0.292", "Other Compr. Net Income": "-0.558", "Comprehensive Net Income": "-1.46", "Other Net Income": "-1.26", "Economic Capital Ratio": "1.33"}, "2015": {"Deposits": "-10.8", "Liabilities": "0.534", "Stockholders Equity": "1.99", "ECR before LimitedLiability": "1.87", "Long-term Debt": "1.19", "Other Liabilities": "13.6", "Liabilities and Borrowings": "-26.2", "Loans and Leases Receivable": "11.5", "Assets": "1.38", "Assets and Securities": "-3.85", "Cash Deposits and Cash Equivalents": "2.21", "Goodwill": "1.09", "Other Assets": "-10.8", "Expenses": "0.439", "Revenues": "-0.326", "Net Income": "-0.199", "Labor Expense": "0.282", "Other Revenues": "-0.326", "Other Net Income": "-0.313", "Other Compr. Net Income": "0.173", "Economic Capital Ratio": "1.83"}, "2016": {"Liabilities and Borrowings": "-29.3", "Liabilities": "2.48", "Stockholders Equity": "5.69", "ECR before LimitedLiability": "5.74", "Deposits": "-7.59", "Other Liabilities": "17.4", "Long-term Debt": "0.892", "Assets and Securities": "-4.43", "Assets": "3.14", "Other Assets": "-8.75", "Goodwill": "0.436", "Loans and Leases Receivable": "7.62", "Cash Deposits and Cash Equivalents": "9.66", "Other Expenses": "-0.172", "Expenses": "0.554", "Labor Expense": "0.455", "Other Revenues": "-0.513", "Revenues": "-0.513", "Economic Capital Ratio": "5.70", "Other Net Income": "-0.173", "Other Compr. Net Income": "0.298"}, "2019": {"Long-term Debt": "0.582", "Liabilities": "-1.42", "Stockholders Equity": "3.17", "ECR before LimitedLiability": "2.79", "Deposits": "-1.58", "Other Liabilities": "0.948", "Liabilities and Borrowings": "-1.40", "Loans and Leases Receivable": "9.00", "Assets": "4.03", "Other Assets": "-7.71", "Goodwill": "2.27", "Cash Deposits and Cash Equivalents": "-1.01", "Assets and Securities": "2.13", "Other Noninterest Expense": "0.442", "Expenses": "3.79", "Other Expenses": "0.473", "Labor Expense": "2.10", "Other Revenues": "-0.837", "Revenues": "-0.837", "Economic Capital Ratio": "2.76", "Other Net Income": "-2.88"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001501570_strength_weakness.svg", "table_records": {"2014": {"input_variables": {"Assets and Securities": "2,512", "Cash Deposits and Cash Equivalents": "93,251", "Deposits": "638,743", "Fees": "0", "Goodwill": "19,148", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "387,619", "Loans and Leases Receivable": "606,136", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "70,089", "Other Compr. Net Income": "146", "Other Expenses": "2,705", "Other Liabilities": "-337,388", "Other Net Income": "7,910", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "11,150"}, "output_variables": {"Liabilities": "688,974", "Assets": "802,286", "Expenses": "2,705", "Revenues": "0", "Stockholders Equity": "113,312", "Net Income": "5,205", "Comprehensive Net Income": "5,351", "BaseVar": "765,161", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2015": {"input_variables": {"Assets and Securities": "2,520", "Cash Deposits and Cash Equivalents": "71,551", "Deposits": "868,410", "Fees": "0", "Goodwill": "26,865", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "567,043", "Loans and Leases Receivable": "816,564", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "104,651", "Other Compr. Net Income": "-314", "Other Expenses": "4,117", "Other Liabilities": "-527,899", "Other Net Income": "12,907", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "17,449"}, "output_variables": {"Liabilities": "907,554", "Assets": "1,039,600", "Expenses": "4,117", "Revenues": "0", "Stockholders Equity": "132,046", "Net Income": "8,790", "Comprehensive Net Income": "8,476", "BaseVar": "1,005,045", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2016": {"input_variables": {"Assets and Securities": "5,067", "Cash Deposits and Cash Equivalents": "234,791", "Deposits": "1,119,630", "Fees": "0", "Goodwill": "26,865", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "792,016", "Loans and Leases Receivable": "988,526", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "135,845", "Other Compr. Net Income": "-1,106", "Other Expenses": "6,467", "Other Liabilities": "-742,227", "Other Net Income": "19,018", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "17,413"}, "output_variables": {"Liabilities": "1,169,419", "Assets": "1,408,507", "Expenses": "6,467", "Revenues": "0", "Stockholders Equity": "239,088", "Net Income": "12,551", "Comprehensive Net Income": "11,445", "BaseVar": "1,337,226", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "18%"}}, "2019": {"input_variables": {"Assets and Securities": "1,149,387", "Cash Deposits and Cash Equivalents": "251,550", "Deposits": "5,894,350", "Fees": "0", "Goodwill": "370,840", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,657,325", "Loans and Leases Receivable": "5,905,451", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "159,173", "Other Compr. Net Income": "33,643", "Other Expenses": "41,969", "Other Liabilities": "-1,787,535", "Other Net Income": "232,459", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "118,536"}, "output_variables": {"Liabilities": "6,764,140", "Assets": "7,954,937", "Expenses": "41,969", "Revenues": "0", "Stockholders Equity": "1,190,797", "Net Income": "190,490", "Comprehensive Net Income": "224,133", "BaseVar": "7,918,686", "ECR before LimitedLiability": "24%", "Economic Capital Ratio": "24%"}}}, "top_rated": true, "trend": null, "value": 0.18019201919966846, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001501570.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001501570.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001501570.svg"}, {"company_id": "0001265131", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001265131.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001265131.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001265131.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001265131_256x256.png", "name": "Hilltop Holdings Inc", "rank": 27, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001265131.svg", "report_text": "The relative strengths and weaknesses of Hilltop 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 Hilltop Holdings Inc compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Hilltop Holdings Inc is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 24% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 18%, being 2.7% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001265131_2020_Hilltop_Holdings_Inc.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "2.89", "Liabilities": "80.4", "Stockholders Equity": "67.8", "ECR before LimitedLiability": "68.1", "Other Liabilities": "-159", "Liabilities and Borrowings": "54.4", "Deposits": "80.5", "Other Assets": "-12.1", "Assets": "-13.1", "Assets and Securities": "10.8", "Loans and Leases Receivable": "-26.5", "Cash Deposits and Cash Equivalents": "53.6", "Property, Plant and Equipment": "-1.08", "Expenses": "-92.4", "Revenues": "80.4", "Net Income": "-9.08", "Other Expenses": "-92.5", "Other Revenues": "80.4", "Other Net Income": "-7.91", "Comprehensive Net Income": "-9.55", "Economic Capital Ratio": "67.9"}, "2013": {"Long-term Debt": "0.957", "Liabilities": "3.87", "Stockholders Equity": "3.68", "ECR before LimitedLiability": "5.57", "Liabilities and Borrowings": "-55.8", "Other Liabilities": "15.9", "Deposits": "-2.28", "Expenses": "-1.22", "Net Income": "2.09", "Other Expenses": "-1.66", "Labor Expense": "0.284", "Goodwill": "1.29", "Loans and Leases Receivable": "-12.0", "Cash Deposits and Cash Equivalents": "2.60", "Assets and Securities": "8.61", "Other Assets": "0.304", "Property, Plant and Equipment": "0.465", "Other Net Income": "3.46", "Comprehensive Net Income": "1.73", "Other Compr. Net Income": "-0.357", "Economic Capital Ratio": "5.42"}, "2016": {"Liabilities and Borrowings": "-23.5", "Liabilities": "2.23", "Stockholders Equity": "3.57", "ECR before LimitedLiability": "4.89", "Deposits": "13.0", "Other Liabilities": "7.27", "Long-term Debt": "-1.41", "Assets and Securities": "5.90", "Assets": "1.38", "Other Assets": "6.71", "Goodwill": "0.462", "Loans and Leases Receivable": "-11.1", "Cash Deposits and Cash Equivalents": "0.786", "Other Revenues": "-0.518", "Revenues": "-0.518", "Net Income": "0.843", "Other Compr. Net Income": "0.487", "Comprehensive Net Income": "1.33", "Other Expenses": "-0.900", "Other Net Income": "1.53", "Economic Capital Ratio": "4.85"}, "2017": {"Other Liabilities": "9.61", "Liabilities": "1.93", "Assets": "1.01", "Stockholders Equity": "2.88", "ECR before LimitedLiability": "3.38", "Liabilities and Borrowings": "-26.3", "Long-term Debt": "-0.617", "Deposits": "11.2", "Loans and Leases Receivable": "-11.7", "Cash Deposits and Cash Equivalents": "-0.319", "Assets and Securities": "8.69", "Other Assets": "5.39", "Expenses": "-0.331", "Revenues": "-0.560", "Net Income": "0.494", "Other Expenses": "-1.21", "Labor Expense": "0.557", "Other Revenues": "-0.560", "Comprehensive Net Income": "0.489", "Other Net Income": "1.38", "Economic Capital Ratio": "3.33"}, "2018": {"Other Liabilities": "11.0", "Liabilities": "-1.75", "Assets": "4.28", "Stockholders Equity": "3.07", "ECR before LimitedLiability": "2.52", "Long-term Debt": "-0.855", "Liabilities and Borrowings": "-27.7", "Deposits": "7.99", "Assets and Securities": "5.97", "Other Assets": "4.35", "Loans and Leases Receivable": "-6.66", "Goodwill": "0.389", "Labor Expense": "2.07", "Expenses": "3.77", "Occupancy": "0.349", "Other Noninterest Expense": "0.489", "Other Expenses": "0.438", "Other Revenues": "-0.781", "Revenues": "-0.781", "Economic Capital Ratio": "2.44", "Other Net Income": "-3.26"}, "2019": {"Long-term Debt": "0.587", "Liabilities": "-1.24", "Assets": "3.03", "Stockholders Equity": "2.26", "ECR before LimitedLiability": "2.70", "Deposits": "11.2", "Other Liabilities": "5.96", "Liabilities and Borrowings": "-23.7", "Loans and Leases Receivable": "-10.2", "Other Assets": "11.0", "Cash Deposits and Cash Equivalents": "-1.03", "Assets and Securities": "4.08", "Expenses": "3.34", "Net Income": "1.56", "Labor Expense": "2.11", "Other Revenues": "-0.844", "Revenues": "-0.844", "Comprehensive Net Income": "0.994", "Other Compr. Net Income": "-0.566", "Other Net Income": "-0.936", "Economic Capital Ratio": "2.67"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001265131_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "224,748", "Cash Deposits and Cash Equivalents": "578,520", "Deposits": "0", "Fees": "0", "Goodwill": "23,988", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,130", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "96,041", "Other Compr. Net Income": "0", "Other Expenses": "158,719", "Other Liabilities": "267,912", "Other Net Income": "0", "Other Noninterest Expense": "0", "Other Revenues": "152,188", "Property, Plant and Equipment": "2,128"}, "output_variables": {"Liabilities": "270,042", "Assets": "925,425", "Expenses": "158,719", "Revenues": "152,188", "Stockholders Equity": "655,383", "Net Income": "-6,531", "Comprehensive Net Income": "-6,531", "BaseVar": "1,162,030", "ECR before LimitedLiability": "80%", "Economic Capital Ratio": "80%"}}, "2013": {"input_variables": {"Assets and Securities": "1,575,997", "Cash Deposits and Cash Equivalents": "713,099", "Deposits": "6,722,019", "Fees": "0", "Goodwill": "251,808", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "6,600,651", "Loans and Leases Receivable": "3,481,405", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "2,682,446", "Other Compr. Net Income": "-44,324", "Other Expenses": "70,684", "Other Liabilities": "-5,731,369", "Other Net Income": "197,393", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "198,468"}, "output_variables": {"Liabilities": "7,591,301", "Assets": "8,903,223", "Expenses": "70,684", "Revenues": "0", "Stockholders Equity": "1,311,922", "Net Income": "126,709", "Comprehensive Net Income": "82,385", "BaseVar": "8,814,270", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}, "2016": {"input_variables": {"Assets and Securities": "1,828,825", "Cash Deposits and Cash Equivalents": "669,357", "Deposits": "7,063,811", "Fees": "0", "Goodwill": "251,808", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "6,707,957", "Loans and Leases Receivable": "5,789,313", "Long-term Debt": "317,912", "Occupancy": "0", "Other Assets": "4,008,398", "Other Compr. Net Income": "-4,194", "Other Expenses": "83,461", "Other Liabilities": "-3,226,138", "Other Net Income": "231,405", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "190,361"}, "output_variables": {"Liabilities": "10,863,542", "Assets": "12,738,062", "Expenses": "83,461", "Revenues": "0", "Stockholders Equity": "1,874,520", "Net Income": "147,944", "Comprehensive Net Income": "143,750", "BaseVar": "12,379,896", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}, "2017": {"input_variables": {"Assets and Securities": "2,401,541", "Cash Deposits and Cash Equivalents": "486,977", "Deposits": "7,978,119", "Fees": "0", "Goodwill": "251,808", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "7,324,064", "Loans and Leases Receivable": "6,212,712", "Long-term Debt": "208,809", "Occupancy": "0", "Other Assets": "3,835,171", "Other Compr. Net Income": "-1,394", "Other Expenses": "110,420", "Other Liabilities": "-4,060,013", "Other Net Income": "243,407", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "177,577"}, "output_variables": {"Liabilities": "11,450,979", "Assets": "13,365,786", "Expenses": "110,420", "Revenues": "0", "Stockholders Equity": "1,914,807", "Net Income": "132,987", "Comprehensive Net Income": "131,594", "BaseVar": "13,053,107", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}, "2018": {"input_variables": {"Assets and Securities": "2,572,177", "Cash Deposits and Cash Equivalents": "644,073", "Deposits": "8,536,156", "Fees": "0", "Goodwill": "291,435", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "7,705,571", "Loans and Leases Receivable": "6,870,972", "Long-term Debt": "228,872", "Occupancy": "0", "Other Assets": "3,067,542", "Other Compr. Net Income": "-10,126", "Other Expenses": "38,569", "Other Liabilities": "-4,760,920", "Other Net Income": "161,941", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "237,373"}, "output_variables": {"Liabilities": "11,709,679", "Assets": "13,683,572", "Expenses": "38,569", "Revenues": "0", "Stockholders Equity": "1,973,893", "Net Income": "123,373", "Comprehensive Net Income": "113,247", "BaseVar": "13,078,929", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2019": {"input_variables": {"Assets and Securities": "2,605,092", "Cash Deposits and Cash Equivalents": "484,959", "Deposits": "9,032,214", "Fees": "0", "Goodwill": "291,435", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "8,327,086", "Loans and Leases Receivable": "7,320,264", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "4,250,716", "Other Compr. Net Income": "11,755", "Other Expenses": "64,302", "Other Liabilities": "-4,315,648", "Other Net Income": "271,764", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "219,982"}, "output_variables": {"Liabilities": "13,043,652", "Assets": "15,172,448", "Expenses": "64,302", "Revenues": "0", "Stockholders Equity": "2,128,796", "Net Income": "207,462", "Comprehensive Net Income": "219,217", "BaseVar": "14,739,346", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}}, "top_rated": true, "trend": -3.0, "value": 0.17931322970125788, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001265131.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001265131.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001265131.svg"}, {"company_id": "0000356171", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000356171.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 28, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 17% points.The greatest weakness of Trico Bancshares is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 21% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 18%, being 2.7% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000356171_2020_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"}, "2019": {"Long-term Debt": "0.647", "Liabilities": "6.51", "Assets": "-4.13", "Stockholders Equity": "1.27", "ECR before LimitedLiability": "2.69", "Deposits": "-1.86", "Other Liabilities": "17.0", "Liabilities and Borrowings": "-21.5", "Loans and Leases Receivable": "-2.72", "Other Assets": "6.96", "Goodwill": "1.18", "Assets and Securities": "-8.16", "Expenses": "-5.59", "Revenues": "1.92", "Net Income": "2.76", "Other Expenses": "-2.88", "Labor Expense": "-4.06", "Other Revenues": "1.92", "Other Net Income": "6.40", "Other Compr. Net Income": "-2.31", "Economic Capital Ratio": "2.66"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2019": {"input_variables": {"Assets and Securities": "70,591", "Cash Deposits and Cash Equivalents": "276,507", "Deposits": "5,366,994", "Fees": "0", "Goodwill": "220,872", "IT and Equipment Expense": "0", "Labor Expense": "106,065", "Liabilities and Borrowings": "3,644,767", "Loans and Leases Receivable": "4,276,750", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,539,375", "Other Compr. Net Income": "-22,093", "Other Expenses": "79,392", "Other Liabilities": "-3,447,150", "Other Net Income": "265,028", "Other Noninterest Expense": "0", "Other Revenues": "47,251", "Property, Plant and Equipment": "87,086"}, "output_variables": {"Liabilities": "5,564,611", "Assets": "6,471,181", "Expenses": "185,457", "Revenues": "47,251", "Stockholders Equity": "906,570", "Net Income": "126,822", "Comprehensive Net Income": "104,729", "BaseVar": "6,961,386", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "18%"}}}, "top_rated": true, "trend": null, "value": 0.17917078371730114, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000356171.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000356171.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000356171.svg"}, {"company_id": "0001499422", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001499422.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001499422.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001499422.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001499422_256x256.png", "name": "RBB Bancorp", "rank": 29, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001499422.svg", "report_text": "The relative strengths and weaknesses of RBB 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 RBB Bancorp compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 18% points.The greatest weakness of RBB Bancorp 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 18%, being 2.6% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001499422_2020_RBB_Bancorp.pdf", "shrinked_graph_json": {"2017": {"Other Liabilities": "-21.8", "Liabilities": "4.68", "Loans and Leases Receivable": "6.24", "Stockholders Equity": "3.87", "ECR before LimitedLiability": "6.67", "Liabilities and Borrowings": "18.1", "Long-term Debt": "-1.92", "Deposits": "-2.49", "Expenses": "-1.99", "Revenues": "-0.575", "Net Income": "2.46", "Other Expenses": "-2.89", "Labor Expense": "0.572", "Other Revenues": "-0.575", "Cash Deposits and Cash Equivalents": "3.58", "Assets and Securities": "-1.82", "Other Assets": "-6.93", "Property, Plant and Equipment": "-0.797", "Comprehensive Net Income": "2.47", "Other Net Income": "5.01", "Economic Capital Ratio": "6.62"}, "2018": {"Other Liabilities": "-34.4", "Liabilities": "-2.06", "Stockholders Equity": "1.39", "ECR before LimitedLiability": "2.18", "Long-term Debt": "-2.50", "Liabilities and Borrowings": "14.7", "Deposits": "1.26", "Property, Plant and Equipment": "-0.557", "Assets": "2.98", "Assets and Securities": "-6.13", "Other Assets": "1.16", "Loans and Leases Receivable": "7.89", "Cash Deposits and Cash Equivalents": "0.495", "Labor Expense": "2.09", "Expenses": "3.49", "Revenues": "-0.787", "Net Income": "0.840", "Other Revenues": "-0.787", "Comprehensive Net Income": "1.21", "Other Net Income": "-1.90", "Economic Capital Ratio": "2.09"}, "2019": {"Long-term Debt": "-2.92", "Liabilities": "-0.760", "Assets": "3.11", "Stockholders Equity": "2.76", "ECR before LimitedLiability": "2.64", "Deposits": "-7.07", "Other Liabilities": "-24.0", "Liabilities and Borrowings": "17.5", "Loans and Leases Receivable": "11.1", "Other Assets": "-3.69", "Cash Deposits and Cash Equivalents": "1.43", "Assets and Securities": "-5.10", "Expenses": "2.82", "Revenues": "-0.846", "Net Income": "1.06", "Other Expenses": "-0.533", "Labor Expense": "2.12", "Other Revenues": "-0.846", "Other Net Income": "-0.913", "Other Compr. Net Income": "-0.665", "Economic Capital Ratio": "2.62"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001499422_strength_weakness.svg", "table_records": {"2017": {"input_variables": {"Assets and Securities": "64,957", "Cash Deposits and Cash Equivalents": "150,648", "Deposits": "1,337,281", "Fees": "0", "Goodwill": "29,940", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,235,301", "Long-term Debt": "49,528", "Occupancy": "0", "Other Assets": "203,630", "Other Compr. Net Income": "-104", "Other Expenses": "21,269", "Other Liabilities": "39,074", "Other Net Income": "46,797", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "6,583"}, "output_variables": {"Liabilities": "1,425,883", "Assets": "1,691,059", "Expenses": "21,269", "Revenues": "0", "Stockholders Equity": "265,176", "Net Income": "25,528", "Comprehensive Net Income": "25,424", "BaseVar": "1,682,200", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "19%"}}, "2018": {"input_variables": {"Assets and Securities": "73,762", "Cash Deposits and Cash Equivalents": "148,285", "Deposits": "2,144,041", "Fees": "0", "Goodwill": "58,383", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "2,124,438", "Long-term Debt": "103,708", "Occupancy": "0", "Other Assets": "551,827", "Other Compr. Net Income": "-895", "Other Expenses": "10,101", "Other Liabilities": "351,632", "Other Net Income": "46,206", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "17,307"}, "output_variables": {"Liabilities": "2,599,381", "Assets": "2,974,002", "Expenses": "10,101", "Revenues": "0", "Stockholders Equity": "374,621", "Net Income": "36,105", "Comprehensive Net Income": "35,210", "BaseVar": "2,890,513", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2019": {"input_variables": {"Assets and Securities": "126,069", "Cash Deposits and Cash Equivalents": "182,363", "Deposits": "2,248,938", "Fees": "0", "Goodwill": "58,563", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "2,178,118", "Long-term Debt": "104,049", "Occupancy": "0", "Other Assets": "226,609", "Other Compr. Net Income": "1,577", "Other Expenses": "16,112", "Other Liabilities": "27,858", "Other Net Income": "55,321", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "16,813"}, "output_variables": {"Liabilities": "2,380,845", "Assets": "2,788,535", "Expenses": "16,112", "Revenues": "0", "Stockholders Equity": "407,690", "Net Income": "39,209", "Comprehensive Net Income": "40,786", "BaseVar": "2,717,203", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "18%"}}}, "top_rated": true, "trend": 3.0, "value": 0.17873600822391805, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001499422.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001499422.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001499422.svg"}, {"company_id": "0000921557", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000921557.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0000921557.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000921557.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000921557_256x256.png", "name": "Republic Bancorp INC KY", "rank": 30, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0000921557.svg", "report_text": "The relative strengths and weaknesses of Republic 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 Republic Bancorp INC KY compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 18% points.The greatest weakness of Republic Bancorp INC KY is the variable Other Liabilities, reducing the Economic Capital Ratio by 238% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 18%, being 2.6% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000921557_2020_Republic_Bancorp_INC_KY.pdf", "shrinked_graph_json": {"2013": {"Long-term Debt": "0.928", "Liabilities": "1.97", "Stockholders Equity": "5.16", "ECR before LimitedLiability": "5.86", "Liabilities and Borrowings": "15.2", "Other Liabilities": "-183", "Deposits": "16.2", "Goodwill": "-0.574", "Assets": "3.10", "Loans and Leases Receivable": "14.2", "Cash Deposits and Cash Equivalents": "0.507", "Assets and Securities": "-3.61", "Other Assets": "-8.45", "Property, Plant and Equipment": "-0.424", "Net Income": "-0.393", "Other Compr. Net Income": "1.25", "Comprehensive Net Income": "0.856", "Other Net Income": "-0.302", "Other Expenses": "-0.362", "Labor Expense": "0.275", "Economic Capital Ratio": "5.71"}, "2014": {"Deposits": "15.5", "Liabilities": "1.22", "Stockholders Equity": "3.68", "ECR before LimitedLiability": "2.60", "Other Liabilities": "-189", "Liabilities and Borrowings": "14.5", "Long-term Debt": "1.31", "Cash Deposits and Cash Equivalents": "-1.54", "Assets": "2.36", "Other Assets": "-7.52", "Property, Plant and Equipment": "-0.447", "Assets and Securities": "-3.61", "Goodwill": "-0.641", "Loans and Leases Receivable": "14.0", "Expenses": "0.360", "Net Income": "-0.439", "Labor Expense": "0.325", "Other Compr. Net Income": "-0.509", "Comprehensive Net Income": "-0.948", "Other Net Income": "-0.506", "Economic Capital Ratio": "2.57"}, "2015": {"Deposits": "14.3", "Liabilities": "1.09", "Stockholders Equity": "2.78", "ECR before LimitedLiability": "2.55", "Long-term Debt": "1.20", "Other Liabilities": "-197", "Liabilities and Borrowings": "14.0", "Loans and Leases Receivable": "12.1", "Assets": "1.64", "Assets and Securities": "-3.39", "Property, Plant and Equipment": "-0.551", "Cash Deposits and Cash Equivalents": "0.781", "Goodwill": "-0.658", "Other Assets": "-7.41", "Expenses": "0.314", "Revenues": "-0.327", "Net Income": "-0.244", "Labor Expense": "0.283", "Other Revenues": "-0.327", "Other Net Income": "-0.231", "Economic Capital Ratio": "2.51"}, "2016": {"Liabilities and Borrowings": "13.8", "Liabilities": "0.303", "Stockholders Equity": "1.73", "ECR before LimitedLiability": "2.14", "Deposits": "13.9", "Other Liabilities": "-211", "Long-term Debt": "0.868", "Assets and Securities": "-4.80", "Assets": "1.34", "Property, Plant and Equipment": "-0.410", "Other Assets": "-6.00", "Goodwill": "-0.754", "Loans and Leases Receivable": "11.4", "Cash Deposits and Cash Equivalents": "1.35", "Expenses": "0.518", "Revenues": "-0.511", "Comprehensive Net Income": "0.522", "Labor Expense": "0.453", "Other Revenues": "-0.511", "Other Compr. Net Income": "0.497", "Economic Capital Ratio": "2.09"}, "2017": {"Other Liabilities": "-216", "Liabilities": "0.303", "Stockholders Equity": "1.29", "ECR before LimitedLiability": "1.32", "Liabilities and Borrowings": "13.5", "Long-term Debt": "0.786", "Deposits": "13.7", "Loans and Leases Receivable": "9.64", "Assets": "0.928", "Cash Deposits and Cash Equivalents": "1.35", "Assets and Securities": "-4.52", "Other Assets": "-4.89", "Property, Plant and Equipment": "-0.461", "Goodwill": "-0.919", "Expenses": "0.370", "Other Expenses": "-0.502", "Labor Expense": "0.549", "Other Revenues": "-0.553", "Revenues": "-0.553", "Economic Capital Ratio": "1.27", "Other Net Income": "0.286"}, "2018": {"Other Liabilities": "-227", "Liabilities": "-1.47", "Stockholders Equity": "1.86", "ECR before LimitedLiability": "3.76", "Long-term Debt": "0.684", "Liabilities and Borrowings": "16.2", "Deposits": "16.5", "Assets": "2.89", "Assets and Securities": "-1.50", "Other Assets": "-8.45", "Loans and Leases Receivable": "12.4", "Goodwill": "-0.971", "Cash Deposits and Cash Equivalents": "1.77", "Labor Expense": "2.10", "Expenses": "3.64", "Revenues": "-0.791", "Net Income": "1.89", "Other Revenues": "-0.791", "Comprehensive Net Income": "2.27", "Other Net Income": "-0.961", "Economic Capital Ratio": "3.68"}, "2019": {"Liabilities": "-1.52", "Stockholders Equity": "1.88", "ECR before LimitedLiability": "2.64", "Deposits": "17.9", "Other Liabilities": "-238", "Liabilities and Borrowings": "17.5", "Loans and Leases Receivable": "10.9", "Assets": "2.91", "Other Assets": "-5.44", "Goodwill": "-0.991", "Cash Deposits and Cash Equivalents": "1.65", "Assets and Securities": "-2.43", "Expenses": "3.58", "Net Income": "1.92", "Labor Expense": "2.11", "Other Revenues": "-0.843", "Revenues": "-0.843", "Comprehensive Net Income": "1.32", "Other Compr. Net Income": "-0.600", "Other Net Income": "-0.812", "Economic Capital Ratio": "2.62"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0000921557_strength_weakness.svg", "table_records": {"2013": {"input_variables": {"Assets and Securities": "33,626", "Cash Deposits and Cash Equivalents": "170,863", "Deposits": "0", "Fees": "0", "Goodwill": "10,168", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "26,459", "Loans and Leases Receivable": "2,566,766", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "557,573", "Other Compr. Net Income": "-2,491", "Other Expenses": "15,075", "Other Liabilities": "2,802,652", "Other Net Income": "40,498", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "32,908"}, "output_variables": {"Liabilities": "2,829,111", "Assets": "3,371,904", "Expenses": "15,075", "Revenues": "0", "Stockholders Equity": "542,793", "Net Income": "25,423", "Comprehensive Net Income": "22,932", "BaseVar": "3,205,894", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}, "2014": {"input_variables": {"Assets and Securities": "34,976", "Cash Deposits and Cash Equivalents": "72,878", "Deposits": "0", "Fees": "0", "Goodwill": "10,168", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "25,252", "Loans and Leases Receivable": "3,016,085", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "579,919", "Other Compr. Net Income": "1,194", "Other Expenses": "15,528", "Other Liabilities": "3,163,030", "Other Net Income": "44,315", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "32,987"}, "output_variables": {"Liabilities": "3,188,282", "Assets": "3,747,013", "Expenses": "15,528", "Revenues": "0", "Stockholders Equity": "558,731", "Net Income": "28,787", "Comprehensive Net Income": "29,981", "BaseVar": "3,578,430", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}, "2015": {"input_variables": {"Assets and Securities": "37,187", "Cash Deposits and Cash Equivalents": "210,082", "Deposits": "0", "Fees": "0", "Goodwill": "10,168", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "30,092", "Loans and Leases Receivable": "3,299,119", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "643,812", "Other Compr. Net Income": "-2,266", "Other Expenses": "18,078", "Other Liabilities": "3,623,650", "Other Net Income": "53,244", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "29,921"}, "output_variables": {"Liabilities": "3,653,742", "Assets": "4,230,289", "Expenses": "18,078", "Revenues": "0", "Stockholders Equity": "576,547", "Net Income": "35,166", "Comprehensive Net Income": "32,900", "BaseVar": "4,075,578", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2016": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "289,309", "Deposits": "0", "Fees": "0", "Goodwill": "16,300", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "3,777,858", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "689,973", "Other Compr. Net Income": "-1,883", "Other Expenses": "23,543", "Other Liabilities": "4,211,903", "Other Net Income": "72,642", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "42,869"}, "output_variables": {"Liabilities": "4,211,903", "Assets": "4,816,309", "Expenses": "23,543", "Revenues": "0", "Stockholders Equity": "604,406", "Net Income": "49,099", "Comprehensive Net Income": "47,216", "BaseVar": "4,692,100", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2017": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "299,351", "Deposits": "0", "Fees": "0", "Goodwill": "16,300", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "3,971,265", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "755,858", "Other Compr. Net Income": "-837", "Other Expenses": "36,273", "Other Liabilities": "4,452,938", "Other Net Income": "81,372", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "42,588"}, "output_variables": {"Liabilities": "4,452,938", "Assets": "5,085,362", "Expenses": "36,273", "Revenues": "0", "Stockholders Equity": "632,424", "Net Income": "45,100", "Comprehensive Net Income": "44,263", "BaseVar": "4,984,195", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2018": {"input_variables": {"Assets and Securities": "475,738", "Cash Deposits and Cash Equivalents": "351,474", "Deposits": "0", "Fees": "0", "Goodwill": "16,300", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "4,103,552", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "250,214", "Other Compr. Net Income": "-808", "Other Expenses": "19,720", "Other Liabilities": "4,550,470", "Other Net Income": "101,139", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "43,126"}, "output_variables": {"Liabilities": "4,550,470", "Assets": "5,240,404", "Expenses": "19,720", "Revenues": "0", "Stockholders Equity": "689,934", "Net Income": "81,419", "Comprehensive Net Income": "80,611", "BaseVar": "5,116,262", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}, "2019": {"input_variables": {"Assets and Securities": "471,355", "Cash Deposits and Cash Equivalents": "385,303", "Deposits": "0", "Fees": "0", "Goodwill": "16,000", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "4,389,800", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "312,501", "Other Compr. Net Income": "-70", "Other Expenses": "20,385", "Other Liabilities": "4,856,075", "Other Net Income": "125,648", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "45,360"}, "output_variables": {"Liabilities": "4,856,075", "Assets": "5,620,319", "Expenses": "20,385", "Revenues": "0", "Stockholders Equity": "764,244", "Net Income": "105,263", "Comprehensive Net Income": "105,193", "BaseVar": "5,503,375", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "19%"}}}, "top_rated": true, "trend": -15.0, "value": 0.1787266808763019, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000921557.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000921557.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000921557.svg"}, {"company_id": "0000730708", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000730708.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0000730708.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000730708.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000730708_256x256.png", "name": "Seacoast Banking CORP OF Florida", "rank": 31, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0000730708.svg", "report_text": "The relative strengths and weaknesses of Seacoast Banking CORP OF Florida are 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 Seacoast Banking CORP OF Florida compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Seacoast Banking CORP OF Florida 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 18%, being 2.6% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000730708_2020_Seacoast_Banking_CORP_OF_Florida.pdf", "shrinked_graph_json": {"2014": {"Deposits": "-4.92", "Liabilities": "-2.42", "Assets": "1.67", "Stockholders Equity": "-0.315", "ECR before LimitedLiability": "-3.23", "Other Liabilities": "-16.3", "Liabilities and Borrowings": "8.71", "Long-term Debt": "1.11", "Cash Deposits and Cash Equivalents": "-0.567", "Other Assets": "-14.2", "Assets and Securities": "9.69", "Goodwill": "-0.227", "Expenses": "1.24", "Revenues": "-0.268", "Net Income": "-2.58", "Other Expenses": "0.783", "Labor Expense": "0.293", "Other Revenues": "-0.268", "Comprehensive Net Income": "-2.52", "Other Net Income": "-3.66", "Economic Capital Ratio": "-3.27"}, "2015": {"Deposits": "-6.75", "Liabilities": "-1.06", "Assets": "0.648", "Stockholders Equity": "-0.273", "ECR before LimitedLiability": "-1.32", "Long-term Debt": "1.09", "Other Liabilities": "-18.9", "Liabilities and Borrowings": "10.2", "Loans and Leases Receivable": "-0.335", "Assets and Securities": "10.2", "Goodwill": "-0.307", "Other Assets": "-14.0", "Expenses": "0.476", "Net Income": "-1.03", "Labor Expense": "0.267", "Other Revenues": "-0.311", "Revenues": "-0.311", "Other Compr. Net Income": "0.133", "Comprehensive Net Income": "-0.890", "Other Net Income": "-1.20", "Economic Capital Ratio": "-1.36"}, "2016": {"Liabilities and Borrowings": "9.79", "Liabilities": "-2.10", "Assets": "0.931", "Stockholders Equity": "-0.890", "ECR before LimitedLiability": "-1.87", "Deposits": "-1.19", "Other Liabilities": "-28.1", "Long-term Debt": "0.770", "Assets and Securities": "9.67", "Other Assets": "-11.7", "Loans and Leases Receivable": "-0.782", "Cash Deposits and Cash Equivalents": "-1.34", "Expenses": "1.03", "Net Income": "-1.18", "Labor Expense": "0.414", "Other Revenues": "-0.475", "Revenues": "-0.475", "Other Compr. Net Income": "0.457", "Comprehensive Net Income": "-0.706", "Other Net Income": "-1.79", "Economic Capital Ratio": "-1.91"}, "2017": {"Loans and Leases Receivable": "1.08", "Assets": "0.893", "Long-term Debt": "0.775", "Stockholders Equity": "0.818", "Net Income": "-0.509", "ECR before LimitedLiability": "0.489", "Cash Deposits and Cash Equivalents": "-1.62", "Assets and Securities": "10.7", "Other Assets": "-11.1", "Goodwill": "0.727", "Expenses": "0.439", "Other Expenses": "-0.426", "Labor Expense": "0.544", "Other Revenues": "-0.549", "Revenues": "-0.549", "Other Liabilities": "-8.41", "Liabilities and Borrowings": "8.17", "Deposits": "-3.49", "Other Net Income": "-0.400", "Economic Capital Ratio": "0.441", "Other Compr. Net Income": "0.299"}, "2018": {"Other Liabilities": "-14.8", "Liabilities": "-2.22", "Stockholders Equity": "1.60", "ECR before LimitedLiability": "1.14", "Long-term Debt": "0.665", "Liabilities and Borrowings": "10.7", "Deposits": "-3.26", "Assets": "3.31", "Assets and Securities": "5.25", "Other Assets": "-8.36", "Loans and Leases Receivable": "7.58", "Goodwill": "1.05", "Cash Deposits and Cash Equivalents": "-1.90", "Labor Expense": "2.07", "Expenses": "3.58", "Occupancy": "0.349", "Other Noninterest Expense": "0.489", "Other Revenues": "-0.782", "Revenues": "-0.782", "Economic Capital Ratio": "1.05", "Other Net Income": "-2.85"}, "2019": {"Long-term Debt": "0.586", "Liabilities": "-1.37", "Stockholders Equity": "2.11", "ECR before LimitedLiability": "2.62", "Deposits": "-4.89", "Other Liabilities": "-12.6", "Liabilities and Borrowings": "12.2", "Loans and Leases Receivable": "7.06", "Assets": "3.01", "Other Assets": "-5.95", "Goodwill": "0.912", "Cash Deposits and Cash Equivalents": "-2.06", "Assets and Securities": "3.94", "Expenses": "3.43", "Revenues": "-0.843", "Net Income": "0.986", "Labor Expense": "2.11", "Other Revenues": "-0.843", "Comprehensive Net Income": "1.06", "Other Net Income": "-1.60", "Economic Capital Ratio": "2.59"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0000730708_strength_weakness.svg", "table_records": {"2014": {"input_variables": {"Assets and Securities": "949,279", "Cash Deposits and Cash Equivalents": "100,539", "Deposits": "2,416,534", "Fees": "0", "Goodwill": "25,309", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "233,640", "Loans and Leases Receivable": "1,804,814", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "168,308", "Other Compr. Net Income": "5,517", "Other Expenses": "4,544", "Other Liabilities": "130,510", "Other Net Income": "10,240", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "45,086"}, "output_variables": {"Liabilities": "2,780,684", "Assets": "3,093,335", "Expenses": "4,544", "Revenues": "0", "Stockholders Equity": "312,651", "Net Income": "5,696", "Comprehensive Net Income": "11,213", "BaseVar": "2,973,856", "ECR before LimitedLiability": "9.6%", "Economic Capital Ratio": "9.7%"}}, "2015": {"input_variables": {"Assets and Securities": "994,291", "Cash Deposits and Cash Equivalents": "136,067", "Deposits": "2,844,387", "Fees": "0", "Goodwill": "25,211", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "172,005", "Loans and Leases Receivable": "2,137,202", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "187,430", "Other Compr. Net Income": "-1,386", "Other Expenses": "13,527", "Other Liabilities": "164,935", "Other Net Income": "35,668", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "54,579"}, "output_variables": {"Liabilities": "3,181,327", "Assets": "3,534,780", "Expenses": "13,527", "Revenues": "0", "Stockholders Equity": "353,453", "Net Income": "22,141", "Comprehensive Net Income": "20,755", "BaseVar": "3,449,858", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2016": {"input_variables": {"Assets and Securities": "1,323,001", "Cash Deposits and Cash Equivalents": "109,644", "Deposits": "3,523,245", "Fees": "0", "Goodwill": "64,649", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "204,202", "Loans and Leases Receivable": "2,856,136", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "268,818", "Other Compr. Net Income": "-1,300", "Other Expenses": "14,889", "Other Liabilities": "518,088", "Other Net Income": "44,091", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "58,684"}, "output_variables": {"Liabilities": "4,245,535", "Assets": "4,680,932", "Expenses": "14,889", "Revenues": "0", "Stockholders Equity": "435,397", "Net Income": "29,202", "Comprehensive Net Income": "27,902", "BaseVar": "4,572,642", "ECR before LimitedLiability": "9.8%", "Economic Capital Ratio": "9.9%"}}, "2017": {"input_variables": {"Assets and Securities": "1,372,667", "Cash Deposits and Cash Equivalents": "109,504", "Deposits": "4,592,720", "Fees": "0", "Goodwill": "147,578", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,050,755", "Loans and Leases Receivable": "3,790,255", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "323,242", "Other Compr. Net Income": "2,212", "Other Expenses": "93,492", "Other Liabilities": "-523,010", "Other Net Income": "224,040", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "66,883"}, "output_variables": {"Liabilities": "5,120,465", "Assets": "5,810,129", "Expenses": "93,492", "Revenues": "0", "Stockholders Equity": "689,664", "Net Income": "130,548", "Comprehensive Net Income": "132,760", "BaseVar": "6,045,630", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "19%"}}, "2018": {"input_variables": {"Assets and Securities": "1,223,780", "Cash Deposits and Cash Equivalents": "115,951", "Deposits": "5,177,240", "Fees": "0", "Goodwill": "204,753", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,014,032", "Loans and Leases Receivable": "4,792,791", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "339,360", "Other Compr. Net Income": "3,804", "Other Expenses": "25,483", "Other Liabilities": "-307,880", "Other Net Income": "96,130", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "71,024"}, "output_variables": {"Liabilities": "5,883,392", "Assets": "6,747,659", "Expenses": "25,483", "Revenues": "0", "Stockholders Equity": "864,267", "Net Income": "70,647", "Comprehensive Net Income": "74,450", "BaseVar": "6,543,157", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2019": {"input_variables": {"Assets and Securities": "1,208,224", "Cash Deposits and Cash Equivalents": "124,531", "Deposits": "5,584,753", "Fees": "0", "Goodwill": "205,286", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,181,732", "Loans and Leases Receivable": "5,163,250", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "340,605", "Other Compr. Net Income": "-8,939", "Other Expenses": "26,527", "Other Liabilities": "-643,613", "Other Net Income": "198,696", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "66,615"}, "output_variables": {"Liabilities": "6,122,872", "Assets": "7,108,511", "Expenses": "26,527", "Revenues": "0", "Stockholders Equity": "985,639", "Net Income": "172,169", "Comprehensive Net Income": "163,230", "BaseVar": "7,040,696", "ECR before LimitedLiability": "20%", "Economic Capital Ratio": "20%"}}}, "top_rated": true, "trend": 20.0, "value": 0.17851307257881838, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000730708.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000730708.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000730708.svg"}, {"company_id": "0000714562", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000714562.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 32, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 Liabilities and Borrowings, increasing the Economic Capital Ratio by 17% points.The greatest weakness of First Financial CORP IN 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 18%, being 2.5% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000714562_2020_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"}, "2013": {"Long-term Debt": "0.916", "Liabilities": "0.963", "Assets": "1.18", "Stockholders Equity": "2.16", "ECR before LimitedLiability": "3.44", "Liabilities and Borrowings": "12.8", "Other Liabilities": "-14.2", "Deposits": "-8.94", "Loans and Leases Receivable": "-32.2", "Cash Deposits and Cash Equivalents": "-1.59", "Assets and Securities": "-3.39", "Other Assets": "13.7", "Other Revenues": "-0.160", "Revenues": "-0.160", "Net Income": "0.650", "Other Compr. Net Income": "0.714", "Comprehensive Net Income": "1.36", "Other Net Income": "0.731", "Other Expenses": "-0.353", "Labor Expense": "0.276", "Economic Capital Ratio": "3.30"}, "2014": {"Deposits": "-8.13", "Liabilities": "1.01", "Assets": "1.02", "Stockholders Equity": "2.04", "ECR before LimitedLiability": "2.18", "Other Liabilities": "-14.7", "Liabilities and Borrowings": "13.6", "Long-term Debt": "1.31", "Cash Deposits and Cash Equivalents": "-1.10", "Other Assets": "15.1", "Assets and Securities": "-3.17", "Loans and Leases Receivable": "-33.5", "Other Revenues": "-0.297", "Revenues": "-0.297", "Net Income": "0.886", "Other Net Income": "1.02", "Other Compr. Net Income": "-0.711", "Comprehensive Net Income": "0.176", "Other Expenses": "-0.369", "Labor Expense": "0.328", "Economic Capital Ratio": "2.14"}, "2015": {"Deposits": "-9.52", "Liabilities": "1.39", "Stockholders Equity": "2.91", "ECR before LimitedLiability": "4.27", "Long-term Debt": "1.22", "Other Liabilities": "-14.7", "Liabilities and Borrowings": "14.7", "Loans and Leases Receivable": "-33.7", "Assets": "1.49", "Assets and Securities": "-2.92", "Property, Plant and Equipment": "0.182", "Cash Deposits and Cash Equivalents": "-0.704", "Other Assets": "16.0", "Expenses": "0.625", "Net Income": "0.458", "Labor Expense": "0.285", "Other Revenues": "-0.329", "Revenues": "-0.329", "Other Compr. Net Income": "0.963", "Comprehensive Net Income": "1.42", "Economic Capital Ratio": "4.23"}, "2016": {"Liabilities and Borrowings": "14.7", "Liabilities": "2.19", "Assets": "0.686", "Stockholders Equity": "2.77", "ECR before LimitedLiability": "4.10", "Deposits": "-6.77", "Other Liabilities": "-17.1", "Long-term Debt": "0.897", "Assets and Securities": "-3.93", "Other Assets": "15.9", "Loans and Leases Receivable": "-34.7", "Cash Deposits and Cash Equivalents": "-1.27", "Other Expenses": "-0.919", "Expenses": "-0.181", "Revenues": "-0.520", "Net Income": "1.29", "Labor Expense": "0.462", "Other Revenues": "-0.520", "Comprehensive Net Income": "1.28", "Other Net Income": "1.99", "Economic Capital Ratio": "4.06"}, "2017": {"Other Liabilities": "-18.1", "Liabilities": "1.23", "Stockholders Equity": "2.44", "ECR before LimitedLiability": "2.76", "Liabilities and Borrowings": "14.2", "Long-term Debt": "0.800", "Deposits": "-6.67", "Loans and Leases Receivable": "-35.3", "Assets": "1.20", "Cash Deposits and Cash Equivalents": "-1.18", "Assets and Securities": "-3.79", "Other Assets": "15.1", "Goodwill": "-0.306", "Other Revenues": "-0.557", "Revenues": "-0.557", "Net Income": "0.403", "Comprehensive Net Income": "0.370", "Other Net Income": "0.764", "Labor Expense": "0.554", "Other Expenses": "-0.682", "Economic Capital Ratio": "2.71"}, "2018": {"Other Liabilities": "-23.2", "Liabilities": "8.19", "Assets": "-4.91", "Stockholders Equity": "2.15", "ECR before LimitedLiability": "4.71", "Long-term Debt": "0.771", "Liabilities and Borrowings": "16.8", "Deposits": "0.767", "Assets and Securities": "-8.07", "Other Assets": "17.5", "Loans and Leases Receivable": "-36.5", "Cash Deposits and Cash Equivalents": "-1.70", "Labor Expense": "-4.24", "Expenses": "-7.88", "Net Income": "1.72", "Other Net Income": "9.34", "Occupancy": "-0.519", "Other Noninterest Expense": "-2.81", "IT and Equipment Expense": "-0.554", "Comprehensive Net Income": "1.43", "Economic Capital Ratio": "4.62"}, "2019": {"Long-term Debt": "0.640", "Liabilities": "5.59", "Assets": "-3.41", "Stockholders Equity": "1.25", "ECR before LimitedLiability": "2.52", "Deposits": "-1.17", "Other Liabilities": "-25.1", "Liabilities and Borrowings": "17.1", "Loans and Leases Receivable": "-2.63", "Other Assets": "9.31", "Cash Deposits and Cash Equivalents": "-1.36", "Assets and Securities": "-8.12", "Other Noninterest Expense": "-2.72", "Expenses": "-5.76", "Other Compr. Net Income": "0.582", "Comprehensive Net Income": "0.482", "Other Expenses": "0.708", "Labor Expense": "-3.01", "IT and Equipment Expense": "-0.498", "Other Net Income": "6.08", "Economic Capital Ratio": "2.49"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "43,624", "Cash Deposits and Cash Equivalents": "71,033", "Deposits": "2,458,791", "Fees": "0", "Goodwill": "39,489", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "114,140", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "2,813,123", "Other Compr. Net Income": "-6,497", "Other Expenses": "13,767", "Other Liabilities": "59,592", "Other Net Income": "45,301", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "51,449"}, "output_variables": {"Liabilities": "2,632,523", "Assets": "3,018,718", "Expenses": "13,767", "Revenues": "0", "Stockholders Equity": "386,195", "Net Income": "31,534", "Comprehensive Net Income": "25,037", "BaseVar": "2,944,621", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2014": {"input_variables": {"Assets and Securities": "48,931", "Cash Deposits and Cash Equivalents": "78,102", "Deposits": "2,457,197", "Fees": "0", "Goodwill": "39,489", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "103,059", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "2,784,161", "Other Compr. Net Income": "-5,316", "Other Expenses": "14,173", "Other Liabilities": "48,015", "Other Net Income": "47,732", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "51,802"}, "output_variables": {"Liabilities": "2,608,271", "Assets": "3,002,485", "Expenses": "14,173", "Revenues": "0", "Stockholders Equity": "394,214", "Net Income": "33,560", "Comprehensive Net Income": "28,243", "BaseVar": "2,927,385", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2015": {"input_variables": {"Assets and Securities": "44,573", "Cash Deposits and Cash Equivalents": "88,695", "Deposits": "2,442,369", "Fees": "0", "Goodwill": "39,489", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "126,900", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "2,756,297", "Other Compr. Net Income": "3,288", "Other Expenses": "10,565", "Other Liabilities": "0", "Other Net Income": "41,265", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "50,531"}, "output_variables": {"Liabilities": "2,569,269", "Assets": "2,979,585", "Expenses": "10,565", "Revenues": "0", "Stockholders Equity": "410,316", "Net Income": "30,700", "Comprehensive Net Income": "33,988", "BaseVar": "2,874,467", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}, "2016": {"input_variables": {"Assets and Securities": "37,789", "Cash Deposits and Cash Equivalents": "75,012", "Deposits": "2,428,526", "Fees": "0", "Goodwill": "34,355", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "145,606", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "2,792,131", "Other Compr. Net Income": "-32", "Other Expenses": "18,256", "Other Liabilities": "0", "Other Net Income": "56,032", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "49,240"}, "output_variables": {"Liabilities": "2,574,132", "Assets": "2,988,527", "Expenses": "18,256", "Revenues": "0", "Stockholders Equity": "414,395", "Net Income": "37,776", "Comprehensive Net Income": "37,744", "BaseVar": "2,916,219", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}, "2017": {"input_variables": {"Assets and Securities": "30,333", "Cash Deposits and Cash Equivalents": "74,107", "Deposits": "2,458,653", "Fees": "0", "Goodwill": "34,355", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "128,446", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "2,813,601", "Other Compr. Net Income": "-2,249", "Other Expenses": "20,540", "Other Liabilities": "0", "Other Net Income": "51,062", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "48,272"}, "output_variables": {"Liabilities": "2,587,099", "Assets": "3,000,668", "Expenses": "20,540", "Revenues": "0", "Stockholders Equity": "413,569", "Net Income": "30,522", "Comprehensive Net Income": "28,274", "BaseVar": "2,927,924", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2018": {"input_variables": {"Assets and Securities": "22,607", "Cash Deposits and Cash Equivalents": "74,388", "Deposits": "2,436,727", "Fees": "929", "Goodwill": "34,355", "IT and Equipment Expense": "6,827", "Labor Expense": "50,658", "Liabilities and Borrowings": "129,290", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "7,030", "Other Assets": "2,830,814", "Other Compr. Net Income": "-3,821", "Other Expenses": "12,359", "Other Liabilities": "0", "Other Net Income": "114,407", "Other Noninterest Expense": "25,845", "Other Revenues": "6,200", "Property, Plant and Equipment": "46,554"}, "output_variables": {"Liabilities": "2,566,017", "Assets": "3,008,718", "Expenses": "103,648", "Revenues": "6,200", "Stockholders Equity": "442,701", "Net Income": "16,959", "Comprehensive Net Income": "13,137", "BaseVar": "3,201,325", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2019": {"input_variables": {"Assets and Securities": "41,556", "Cash Deposits and Cash Equivalents": "127,426", "Deposits": "3,275,357", "Fees": "741", "Goodwill": "78,592", "IT and Equipment Expense": "8,615", "Labor Expense": "55,201", "Liabilities and Borrowings": "190,285", "Loans and Leases Receivable": "2,636,447", "Long-term Debt": "0", "Occupancy": "7,650", "Other Assets": "1,076,653", "Other Compr. Net Income": "-5,127", "Other Expenses": "12,008", "Other Liabilities": "0", "Other Net Income": "161,008", "Other Noninterest Expense": "35,813", "Other Revenues": "5,098", "Property, Plant and Equipment": "62,576"}, "output_variables": {"Liabilities": "3,465,642", "Assets": "4,023,250", "Expenses": "120,029", "Revenues": "5,098", "Stockholders Equity": "557,608", "Net Income": "46,077", "Comprehensive Net Income": "40,950", "BaseVar": "4,273,085", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}}, "top_rated": true, "trend": -21.0, "value": 0.17751020632197828, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000714562.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000714562.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000714562.svg"}, {"company_id": "0000700565", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000700565.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 33, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 17% points.The greatest weakness of First MID Bancshares INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 30% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 18%, being 2.5% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000700565_2020_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"}, "2013": {"Long-term Debt": "0.736", "Liabilities": "0.178", "Stockholders Equity": "-0.795", "Liabilities and Borrowings": "-51.2", "Other Liabilities": "8.25", "Deposits": "-5.02", "Goodwill": "0.302", "Assets": "-0.918", "ECR before LimitedLiability": "-2.05", "Loans and Leases Receivable": "1.70", "Cash Deposits and Cash Equivalents": "-0.384", "Assets and Securities": "-3.56", "Other Assets": "0.577", "Expenses": "-0.195", "Revenues": "-0.138", "Comprehensive Net Income": "-1.27", "Other Expenses": "-0.576", "Labor Expense": "0.234", "Other Revenues": "-0.138", "Other Net Income": "0.373", "Other Compr. Net Income": "-1.32", "Economic Capital Ratio": "-2.20"}, "2015": {"Deposits": "-7.70", "Liabilities": "-0.796", "Loans and Leases Receivable": "-1.07", "Stockholders Equity": "-0.575", "ECR before LimitedLiability": "-0.583", "Long-term Debt": "1.12", "Other Liabilities": "11.2", "Liabilities and Borrowings": "-40.2", "Expenses": "0.304", "Revenues": "-0.318", "Net Income": "-0.486", "Other Expenses": "-0.190", "Labor Expense": "0.274", "Other Revenues": "-0.318", "Assets and Securities": "-3.64", "Cash Deposits and Cash Equivalents": "1.06", "Goodwill": "0.573", "Other Assets": "3.11", "Other Net Income": "-0.474", "Economic Capital Ratio": "-0.623", "Other Compr. Net Income": "0.557"}, "2016": {"Liabilities and Borrowings": "-36.4", "Liabilities": "-1.17", "Assets": "0.424", "Stockholders Equity": "-0.624", "ECR before LimitedLiability": "-1.75", "Deposits": "-5.60", "Other Liabilities": "10.0", "Long-term Debt": "0.782", "Assets and Securities": "-4.19", "Other Assets": "2.63", "Goodwill": "0.444", "Cash Deposits and Cash Equivalents": "1.28", "Expenses": "0.726", "Net Income": "-0.726", "Labor Expense": "0.421", "Other Revenues": "-0.482", "Revenues": "-0.482", "Other Compr. Net Income": "-0.235", "Comprehensive Net Income": "-0.966", "Other Net Income": "-0.993", "Economic Capital Ratio": "-1.79"}, "2017": {"Other Liabilities": "12.9", "Liabilities": "-0.571", "ECR before LimitedLiability": "0.562", "Liabilities and Borrowings": "-36.2", "Long-term Debt": "0.777", "Deposits": "-3.95", "Loans and Leases Receivable": "2.45", "Assets": "0.415", "Comprehensive Net Income": "0.743", "Cash Deposits and Cash Equivalents": "-0.720", "Assets and Securities": "-4.07", "Other Assets": "2.54", "Goodwill": "0.402", "Expenses": "0.818", "Net Income": "0.238", "Occupancy": "0.106", "Labor Expense": "0.545", "Other Revenues": "-0.550", "Revenues": "-0.550", "Other Compr. Net Income": "0.507", "Economic Capital Ratio": "0.514"}, "2018": {"Other Liabilities": "13.4", "Liabilities": "-2.49", "Stockholders Equity": "1.25", "ECR before LimitedLiability": "0.691", "Long-term Debt": "0.660", "Liabilities and Borrowings": "-35.8", "Deposits": "-4.19", "Assets": "3.21", "Assets and Securities": "-7.35", "Other Assets": "4.61", "Loans and Leases Receivable": "5.64", "Goodwill": "0.828", "Cash Deposits and Cash Equivalents": "-0.462", "Labor Expense": "2.05", "Expenses": "3.52", "Occupancy": "0.348", "Other Noninterest Expense": "0.488", "Other Revenues": "-0.781", "Revenues": "-0.781", "Economic Capital Ratio": "0.604", "Other Net Income": "-2.99"}, "2019": {"Long-term Debt": "0.585", "Liabilities": "-1.51", "Stockholders Equity": "1.99", "ECR before LimitedLiability": "2.48", "Deposits": "-2.40", "Other Liabilities": "16.7", "Liabilities and Borrowings": "-30.4", "Loans and Leases Receivable": "4.58", "Assets": "3.01", "Other Assets": "7.61", "Goodwill": "0.799", "Cash Deposits and Cash Equivalents": "-1.73", "Assets and Securities": "-7.59", "Expenses": "3.51", "Revenues": "-0.842", "Comprehensive Net Income": "1.06", "Labor Expense": "2.11", "Other Revenues": "-0.842", "Other Compr. Net Income": "0.623", "Other Net Income": "-2.23", "Economic Capital Ratio": "2.45"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "18,117", "Cash Deposits and Cash Equivalents": "65,102", "Deposits": "1,287,616", "Fees": "0", "Goodwill": "25,753", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,199,772", "Loans and Leases Receivable": "969,041", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "498,907", "Other Compr. Net Income": "-12,924", "Other Expenses": "8,846", "Other Liabilities": "-1,031,271", "Other Net Income": "23,568", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "28,578"}, "output_variables": {"Liabilities": "1,456,117", "Assets": "1,605,498", "Expenses": "8,846", "Revenues": "0", "Stockholders Equity": "149,381", "Net Income": "14,722", "Comprehensive Net Income": "1,798", "BaseVar": "1,613,096", "ECR before LimitedLiability": "7.9%", "Economic Capital Ratio": "8.3%"}}, "2015": {"input_variables": {"Assets and Securities": "12,440", "Cash Deposits and Cash Equivalents": "115,784", "Deposits": "1,732,568", "Fees": "0", "Goodwill": "41,007", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,416,486", "Loans and Leases Receivable": "1,266,345", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "647,583", "Other Compr. Net Income": "319", "Other Expenses": "9,364", "Other Liabilities": "-1,239,564", "Other Net Income": "26,458", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "31,340"}, "output_variables": {"Liabilities": "1,909,490", "Assets": "2,114,499", "Expenses": "9,364", "Revenues": "0", "Stockholders Equity": "205,009", "Net Income": "17,094", "Comprehensive Net Income": "17,413", "BaseVar": "2,077,591", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2016": {"input_variables": {"Assets and Securities": "25,904", "Cash Deposits and Cash Equivalents": "175,902", "Deposits": "2,329,887", "Fees": "0", "Goodwill": "57,791", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,882,347", "Loans and Leases Receivable": "1,808,064", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "776,582", "Other Compr. Net Income": "-4,477", "Other Expenses": "13,123", "Other Liabilities": "-1,608,372", "Other Net Income": "37,204", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "40,292"}, "output_variables": {"Liabilities": "2,603,862", "Assets": "2,884,535", "Expenses": "13,123", "Revenues": "0", "Stockholders Equity": "280,673", "Net Income": "24,080", "Comprehensive Net Income": "19,603", "BaseVar": "2,843,668", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "11%"}}, "2017": {"input_variables": {"Assets and Securities": "18,976", "Cash Deposits and Cash Equivalents": "88,879", "Deposits": "2,274,639", "Fees": "0", "Goodwill": "60,150", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,813,264", "Loans and Leases Receivable": "1,918,499", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "716,769", "Other Compr. Net Income": "352", "Other Expenses": "17,246", "Other Liabilities": "-1,554,328", "Other Net Income": "47,123", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "38,266"}, "output_variables": {"Liabilities": "2,533,575", "Assets": "2,841,539", "Expenses": "17,246", "Revenues": "0", "Stockholders Equity": "307,964", "Net Income": "29,877", "Comprehensive Net Income": "30,230", "BaseVar": "2,805,026", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2018": {"input_variables": {"Assets and Securities": "27,612", "Cash Deposits and Cash Equivalents": "141,400", "Deposits": "2,988,686", "Fees": "0", "Goodwill": "105,277", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,445,253", "Loans and Leases Receivable": "2,616,822", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "889,506", "Other Compr. Net Income": "-1,498", "Other Expenses": "11,112", "Other Liabilities": "-2,070,069", "Other Net Income": "54,301", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "59,117"}, "output_variables": {"Liabilities": "3,363,870", "Assets": "3,839,734", "Expenses": "11,112", "Revenues": "0", "Stockholders Equity": "475,864", "Net Income": "43,190", "Comprehensive Net Income": "41,692", "BaseVar": "3,723,245", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2019": {"input_variables": {"Assets and Securities": "29,495", "Cash Deposits and Cash Equivalents": "85,080", "Deposits": "2,917,366", "Fees": "0", "Goodwill": "104,992", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,319,356", "Loans and Leases Receivable": "2,666,616", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "893,752", "Other Compr. Net Income": "5,911", "Other Expenses": "15,424", "Other Liabilities": "-1,923,905", "Other Net Income": "84,952", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "59,491"}, "output_variables": {"Liabilities": "3,312,817", "Assets": "3,839,426", "Expenses": "15,424", "Revenues": "0", "Stockholders Equity": "526,609", "Net Income": "69,529", "Comprehensive Net Income": "75,439", "BaseVar": "3,769,032", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "19%"}}}, "top_rated": true, "trend": 24.0, "value": 0.1771109494545105, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000700565.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000700565.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000700565.svg"}, {"company_id": "0001007273", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001007273.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 34, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 17% points.The greatest weakness of BANK OF South Carolina CORP 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 18%, being 2.4% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001007273_2020_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"}, "2013": {"Long-term Debt": "0.885", "Liabilities": "0.358", "ECR before LimitedLiability": "1.18", "Liabilities and Borrowings": "11.4", "Other Liabilities": "-12.3", "Deposits": "-15.2", "Goodwill": "-0.821", "Assets": "-0.431", "Comprehensive Net Income": "1.27", "Loans and Leases Receivable": "4.15", "Cash Deposits and Cash Equivalents": "1.37", "Assets and Securities": "-4.49", "Property, Plant and Equipment": "-0.657", "Expenses": "-0.186", "Net Income": "1.11", "Other Expenses": "-0.614", "Labor Expense": "0.271", "Other Revenues": "-0.158", "Revenues": "-0.158", "Other Compr. Net Income": "0.165", "Other Net Income": "1.44", "Economic Capital Ratio": "1.03"}, "2014": {"Deposits": "-12.2", "Liabilities": "-0.114", "Stockholders Equity": "-0.692", "Economic Capital Ratio": "0.0237", "Other Liabilities": "-15.1", "Liabilities and Borrowings": "12.7", "Long-term Debt": "1.28", "Cash Deposits and Cash Equivalents": "-0.994", "Assets": "-0.535", "Other Assets": "4.73", "Property, Plant and Equipment": "-0.659", "Assets and Securities": "-4.39", "Goodwill": "-0.863", "Loans and Leases Receivable": "1.68", "Other Revenues": "-0.296", "Revenues": "-0.296", "Net Income": "1.06", "Other Net Income": "1.42", "Other Compr. Net Income": "-0.341", "Comprehensive Net Income": "0.727", "Other Expenses": "-0.601", "Labor Expense": "0.326"}, "2015": {"Loans and Leases Receivable": "-0.542", "Assets": "-0.757", "Deposits": "-14.8", "Stockholders Equity": "-0.598", "ECR before LimitedLiability": "0.648", "Assets and Securities": "-4.10", "Property, Plant and Equipment": "-0.675", "Cash Deposits and Cash Equivalents": "2.38", "Goodwill": "-0.851", "Other Assets": "3.07", "Other Revenues": "-0.328", "Revenues": "-0.328", "Net Income": "1.12", "Other Expenses": "-0.693", "Other Liabilities": "-14.9", "Liabilities and Borrowings": "12.3", "Long-term Debt": "1.18", "Comprehensive Net Income": "1.18", "Labor Expense": "0.283", "Other Net Income": "1.62", "Economic Capital Ratio": "0.608"}, "2016": {"Assets and Securities": "-4.89", "Assets": "-0.413", "Long-term Debt": "0.835", "Stockholders Equity": "-0.679", "ECR before LimitedLiability": "-0.412", "Property, Plant and Equipment": "-0.672", "Other Assets": "4.58", "Goodwill": "-1.01", "Cash Deposits and Cash Equivalents": "1.47", "Expenses": "0.809", "Revenues": "-0.504", "Net Income": "1.09", "Labor Expense": "0.444", "Other Revenues": "-0.504", "Other Liabilities": "-16.7", "Liabilities and Borrowings": "11.3", "Deposits": "-13.9", "Comprehensive Net Income": "0.269", "Other Net Income": "0.784", "Other Compr. Net Income": "-0.841", "Economic Capital Ratio": "-0.455"}, "2017": {"Other Liabilities": "-17.9", "Liabilities": "-0.736", "Loans and Leases Receivable": "-3.51", "Stockholders Equity": "-1.18", "ECR before LimitedLiability": "-0.629", "Liabilities and Borrowings": "11.7", "Long-term Debt": "0.762", "Deposits": "-12.8", "Expenses": "0.460", "Net Income": "0.780", "Labor Expense": "0.540", "Other Revenues": "-0.547", "Revenues": "-0.547", "Cash Deposits and Cash Equivalents": "2.26", "Assets and Securities": "-4.58", "Other Assets": "6.52", "Property, Plant and Equipment": "-0.718", "Goodwill": "-1.16", "Comprehensive Net Income": "0.588", "Other Net Income": "0.861", "Economic Capital Ratio": "-0.678"}, "2018": {"Other Liabilities": "-20.4", "Liabilities": "-2.51", "ECR before LimitedLiability": "1.41", "Long-term Debt": "0.673", "Liabilities and Borrowings": "14.1", "Deposits": "-13.8", "Property, Plant and Equipment": "-0.598", "Assets": "1.71", "Assets and Securities": "-7.88", "Other Assets": "8.02", "Loans and Leases Receivable": "1.21", "Goodwill": "-1.22", "Cash Deposits and Cash Equivalents": "2.25", "Labor Expense": "2.09", "Expenses": "3.81", "Net Income": "2.27", "Other Revenues": "-0.791", "Revenues": "-0.791", "Comprehensive Net Income": "2.14", "Other Net Income": "-0.793", "Economic Capital Ratio": "1.33"}, "2019": {"Long-term Debt": "0.592", "Liabilities": "-1.63", "ECR before LimitedLiability": "2.45", "Deposits": "-9.63", "Other Liabilities": "-26.9", "Liabilities and Borrowings": "17.4", "Loans and Leases Receivable": "-2.20", "Assets": "1.23", "Comprehensive Net Income": "2.91", "Other Assets": "9.41", "Goodwill": "-1.21", "Cash Deposits and Cash Equivalents": "4.71", "Assets and Securities": "-8.18", "Expenses": "3.24", "Net Income": "1.85", "Labor Expense": "2.14", "Other Revenues": "-0.853", "Revenues": "-0.853", "Other Compr. Net Income": "1.06", "Other Net Income": "-0.541", "Economic Capital Ratio": "2.43"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "22,124", "Deposits": "305,243", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "215,028", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "101,287", "Other Compr. Net Income": "-1,244", "Other Expenses": "1,830", "Other Liabilities": "912", "Other Net Income": "5,907", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "2,455"}, "output_variables": {"Liabilities": "306,155", "Assets": "340,894", "Expenses": "1,830", "Revenues": "0", "Stockholders Equity": "34,739", "Net Income": "4,077", "Comprehensive Net Income": "2,833", "BaseVar": "339,824", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2014": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "10,379", "Deposits": "322,419", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "230,783", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "123,711", "Other Compr. Net Income": "-117", "Other Expenses": "2,048", "Other Liabilities": "8,047", "Other Net Income": "6,512", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "2,352"}, "output_variables": {"Liabilities": "330,466", "Assets": "367,226", "Expenses": "2,048", "Revenues": "0", "Stockholders Equity": "36,760", "Net Income": "4,465", "Comprehensive Net Income": "4,348", "BaseVar": "364,594", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2015": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "29,195", "Deposits": "358,719", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "245,025", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "122,663", "Other Compr. Net Income": "-109", "Other Expenses": "2,383", "Other Liabilities": "1,302", "Other Net Income": "7,373", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "2,289"}, "output_variables": {"Liabilities": "360,021", "Assets": "399,173", "Expenses": "2,383", "Revenues": "0", "Stockholders Equity": "39,152", "Net Income": "4,989", "Comprehensive Net Income": "4,880", "BaseVar": "397,502", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2016": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "26,242", "Deposits": "372,523", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "261,111", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "124,300", "Other Compr. Net Income": "-1,309", "Other Expenses": "1,579", "Other Liabilities": "814", "Other Net Income": "6,879", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "2,297"}, "output_variables": {"Liabilities": "373,337", "Assets": "413,950", "Expenses": "1,579", "Revenues": "0", "Stockholders Equity": "40,613", "Net Income": "5,300", "Comprehensive Net Income": "3,991", "BaseVar": "411,371", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2017": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "32,520", "Deposits": "402,888", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "268,399", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "143,403", "Other Compr. Net Income": "-644", "Other Expenses": "2,669", "Other Liabilities": "914", "Other Net Income": "7,892", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "2,245"}, "output_variables": {"Liabilities": "403,802", "Assets": "446,566", "Expenses": "2,669", "Revenues": "0", "Stockholders Equity": "42,765", "Net Income": "5,223", "Comprehensive Net Income": "4,579", "BaseVar": "445,521", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2018": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "31,832", "Deposits": "382,378", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "271,649", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "123,318", "Other Compr. Net Income": "-588", "Other Expenses": "1,822", "Other Liabilities": "1,294", "Other Net Income": "8,106", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "2,335"}, "output_variables": {"Liabilities": "383,673", "Assets": "429,135", "Expenses": "1,822", "Revenues": "0", "Stockholders Equity": "45,463", "Net Income": "6,284", "Comprehensive Net Income": "5,695", "BaseVar": "425,491", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2019": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "49,094", "Deposits": "379,192", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "275,131", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "116,496", "Other Compr. Net Income": "1,308", "Other Expenses": "1,728", "Other Liabilities": "14,653", "Other Net Income": "9,879", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "4,290"}, "output_variables": {"Liabilities": "393,844", "Assets": "445,013", "Expenses": "1,728", "Revenues": "0", "Stockholders Equity": "51,168", "Net Income": "8,151", "Comprehensive Net Income": "9,460", "BaseVar": "442,870", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "18%"}}}, "top_rated": true, "trend": 11.0, "value": 0.17683515665747962, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001007273.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001007273.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001007273.svg"}, {"company_id": "0000857855", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000857855.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 35, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 Other Liabilities, increasing the Economic Capital Ratio by 17% points.The greatest weakness of United Community Banks 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 17%, being 2.2% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000857855_2020_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"}, "2016": {"Liabilities and Borrowings": "11.7", "Liabilities": "4.92", "Stockholders Equity": "-1.13", "Economic Capital Ratio": "-0.0734", "Other Liabilities": "-26.5", "Long-term Debt": "-0.477", "Assets and Securities": "-4.31", "Assets": "-5.76", "Other Assets": "4.07", "Goodwill": "-1.09", "Loans and Leases Receivable": "-2.89", "Cash Deposits and Cash Equivalents": "-1.89", "Other Expenses": "-2.10", "Expenses": "-8.23", "Revenues": "9.78", "Net Income": "-0.380", "Labor Expense": "-4.43", "Occupancy": "-0.588", "Other Noninterest Expense": "-0.753", "Other Revenues": "9.78", "Other Net Income": "-5.97", "Other Compr. Net Income": "0.607"}, "2017": {"Other Liabilities": "-25.7", "Liabilities": "5.07", "Stockholders Equity": "-0.743", "ECR before LimitedLiability": "-1.11", "Liabilities and Borrowings": "11.2", "Loans and Leases Receivable": "-3.88", "Assets": "-5.79", "Cash Deposits and Cash Equivalents": "-1.34", "Assets and Securities": "-3.94", "Other Assets": "4.18", "Goodwill": "-1.25", "Expenses": "-8.85", "Revenues": "9.36", "Net Income": "-1.44", "Other Noninterest Expense": "-0.706", "Other Expenses": "-3.00", "Labor Expense": "-4.29", "Other Revenues": "9.36", "Comprehensive Net Income": "-1.30", "Other Net Income": "-6.12", "Economic Capital Ratio": "-1.16"}, "2018": {"Other Liabilities": "-25.0", "Liabilities": "4.57", "ECR before LimitedLiability": "1.31", "Long-term Debt": "-1.16", "Liabilities and Borrowings": "14.0", "Deposits": "-2.51", "Assets": "-4.21", "Assets and Securities": "7.10", "Other Assets": "-7.91", "Loans and Leases Receivable": "-0.463", "Goodwill": "-1.33", "Cash Deposits and Cash Equivalents": "-1.58", "Labor Expense": "-3.25", "Expenses": "-5.60", "Net Income": "0.854", "Other Expenses": "-1.60", "Other Revenues": "11.9", "Revenues": "11.9", "Comprehensive Net Income": "0.884", "Other Net Income": "-8.68", "Economic Capital Ratio": "1.22"}, "2019": {"Long-term Debt": "-0.868", "Liabilities": "5.28", "ECR before LimitedLiability": "2.25", "Deposits": "-3.22", "Other Liabilities": "17.1", "Liabilities and Borrowings": "-22.6", "Loans and Leases Receivable": "-1.52", "Assets": "-4.08", "Other Assets": "-4.92", "Goodwill": "-1.31", "Cash Deposits and Cash Equivalents": "-0.796", "Assets and Securities": "4.49", "Expenses": "-5.71", "Net Income": "0.720", "Other Expenses": "-0.925", "Labor Expense": "-3.58", "Other Revenues": "13.8", "Revenues": "13.8", "Comprehensive Net Income": "1.25", "Other Net Income": "-9.48", "Economic Capital Ratio": "2.23"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2016": {"input_variables": {"Assets and Securities": "144,189", "Cash Deposits and Cash Equivalents": "217,348", "Deposits": "8,637,558", "Fees": "11,822", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "138,789", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "6,859,214", "Long-term Debt": "175,078", "Occupancy": "19,603", "Other Assets": "3,297,966", "Other Compr. Net Income": "-1,031", "Other Expenses": "109,720", "Other Liabilities": "820,284", "Other Net Income": "0", "Other Noninterest Expense": "23,691", "Other Revenues": "404,281", "Property, Plant and Equipment": "189,938"}, "output_variables": {"Liabilities": "9,632,920", "Assets": "10,708,655", "Expenses": "303,625", "Revenues": "404,281", "Stockholders Equity": "1,075,735", "Net Income": "100,656", "Comprehensive Net Income": "99,625", "BaseVar": "11,457,508", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2017": {"input_variables": {"Assets and Securities": "169,401", "Cash Deposits and Cash Equivalents": "314,275", "Deposits": "9,807,697", "Fees": "12,055", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "153,349", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "7,676,658", "Long-term Debt": "120,545", "Occupancy": "20,301", "Other Assets": "3,546,274", "Other Compr. Net Income": "3,777", "Other Expenses": "152,647", "Other Liabilities": "683,884", "Other Net Income": "0", "Other Noninterest Expense": "25,954", "Other Revenues": "448,206", "Property, Plant and Equipment": "208,852"}, "output_variables": {"Liabilities": "10,612,126", "Assets": "11,915,460", "Expenses": "364,306", "Revenues": "448,206", "Stockholders Equity": "1,303,334", "Net Income": "83,899", "Comprehensive Net Income": "87,676", "BaseVar": "12,745,357", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2018": {"input_variables": {"Assets and Securities": "2,783,217", "Cash Deposits and Cash Equivalents": "327,265", "Deposits": "10,534,513", "Fees": "15,310", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "182,486", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "8,322,198", "Long-term Debt": "267,189", "Occupancy": "22,653", "Other Assets": "934,372", "Other Compr. Net Income": "-16,315", "Other Expenses": "117,674", "Other Liabilities": "313,936", "Other Net Income": "0", "Other Noninterest Expense": "33,683", "Other Revenues": "544,537", "Property, Plant and Equipment": "206,140"}, "output_variables": {"Liabilities": "11,115,638", "Assets": "12,573,192", "Expenses": "371,806", "Revenues": "544,537", "Stockholders Equity": "1,457,554", "Net Income": "172,732", "Comprehensive Net Income": "156,417", "BaseVar": "13,537,189", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2019": {"input_variables": {"Assets and Securities": "2,445,716", "Cash Deposits and Cash Equivalents": "515,206", "Deposits": "10,897,244", "Fees": "22,848", "Goodwill": "0", "IT and Equipment Expense": "24,613", "Labor Expense": "197,791", "Liabilities and Borrowings": "7,419,265", "Loans and Leases Receivable": "8,750,464", "Long-term Debt": "212,664", "Occupancy": "23,323", "Other Assets": "988,654", "Other Compr. Net Income": "-15,865", "Other Expenses": "95,878", "Other Liabilities": "-7,248,849", "Other Net Income": "0", "Other Noninterest Expense": "17,574", "Other Revenues": "572,956", "Property, Plant and Equipment": "215,976"}, "output_variables": {"Liabilities": "11,280,324", "Assets": "12,916,016", "Expenses": "382,028", "Revenues": "572,956", "Stockholders Equity": "1,635,692", "Net Income": "190,928", "Comprehensive Net Income": "175,063", "BaseVar": "13,860,261", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}}, "top_rated": true, "trend": 13.0, "value": 0.17482873627607534, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000857855.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000857855.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000857855.svg"}, {"company_id": "0001050441", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001050441.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 36, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 Liabilities and Borrowings, increasing the Economic Capital Ratio by 15% points.The greatest weakness of Eagle 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 17%, being 2.2% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001050441_2020_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"}, "2013": {"Long-term Debt": "0.910", "Liabilities": "0.967", "ECR before LimitedLiability": "2.08", "Liabilities and Borrowings": "12.2", "Other Liabilities": "-196", "Deposits": "12.4", "Goodwill": "-0.829", "Assets": "-0.806", "Comprehensive Net Income": "1.95", "Loans and Leases Receivable": "11.0", "Cash Deposits and Cash Equivalents": "2.46", "Assets and Securities": "-3.94", "Other Assets": "-11.2", "Property, Plant and Equipment": "-0.869", "Expenses": "-0.991", "Net Income": "1.30", "Other Expenses": "-1.43", "Labor Expense": "0.277", "Other Net Income": "2.40", "Other Compr. Net Income": "0.671", "Economic Capital Ratio": "1.93"}, "2014": {"Deposits": "-7.47", "Liabilities": "0.767", "Cash Deposits and Cash Equivalents": "0.494", "Stockholders Equity": "0.861", "ECR before LimitedLiability": "1.17", "Other Liabilities": "-13.3", "Liabilities and Borrowings": "12.9", "Long-term Debt": "-0.707", "Expenses": "-0.336", "Revenues": "-0.297", "Net Income": "0.488", "Other Expenses": "-0.873", "Labor Expense": "0.329", "Other Revenues": "-0.297", "Other Assets": "-9.83", "Property, Plant and Equipment": "-0.855", "Assets and Securities": "-3.76", "Goodwill": "-0.860", "Loans and Leases Receivable": "12.7", "Other Net Income": "1.12", "Economic Capital Ratio": "1.13"}, "2015": {"Deposits": "-10.0", "Liabilities": "2.37", "Stockholders Equity": "1.30", "ECR before LimitedLiability": "3.42", "Other Liabilities": "-13.2", "Liabilities and Borrowings": "14.4", "Loans and Leases Receivable": "12.9", "Assets": "-0.795", "Assets and Securities": "-3.53", "Property, Plant and Equipment": "-0.877", "Cash Deposits and Cash Equivalents": "0.586", "Goodwill": "-0.853", "Other Assets": "-9.53", "Expenses": "-1.22", "Revenues": "-0.336", "Net Income": "1.78", "Other Expenses": "-1.74", "Other Revenues": "-0.336", "Comprehensive Net Income": "1.92", "Other Net Income": "3.31", "Economic Capital Ratio": "3.38"}, "2016": {"Liabilities and Borrowings": "14.4", "Liabilities": "2.04", "Stockholders Equity": "1.26", "ECR before LimitedLiability": "3.61", "Deposits": "-7.12", "Other Liabilities": "-13.8", "Long-term Debt": "-1.95", "Assets and Securities": "-4.33", "Assets": "-0.552", "Property, Plant and Equipment": "-0.865", "Other Assets": "-7.82", "Goodwill": "-1.02", "Loans and Leases Receivable": "12.6", "Cash Deposits and Cash Equivalents": "0.739", "Other Expenses": "-1.76", "Expenses": "-1.01", "Revenues": "-0.524", "Net Income": "1.72", "Other Revenues": "-0.524", "Comprehensive Net Income": "2.20", "Other Net Income": "3.24", "Economic Capital Ratio": "3.57"}, "2017": {"Other Liabilities": "-18.3", "Liabilities": "2.53", "Stockholders Equity": "1.30", "ECR before LimitedLiability": "3.32", "Liabilities and Borrowings": "14.2", "Long-term Debt": "-1.82", "Deposits": "-1.11", "Loans and Leases Receivable": "13.4", "Assets": "-0.930", "Cash Deposits and Cash Equivalents": "-1.35", "Assets and Securities": "-3.91", "Other Assets": "-7.43", "Property, Plant and Equipment": "-0.891", "Goodwill": "-1.17", "Expenses": "-1.49", "Revenues": "-0.570", "Net Income": "1.73", "Other Expenses": "-2.39", "Other Revenues": "-0.570", "Comprehensive Net Income": "1.80", "Other Net Income": "3.77", "Economic Capital Ratio": "3.28"}, "2018": {"Property, Plant and Equipment": "-0.841", "Assets": "1.61", "Long-term Debt": "-1.69", "Stockholders Equity": "1.75", "ECR before LimitedLiability": "5.08", "Assets and Securities": "-7.10", "Other Assets": "-3.39", "Loans and Leases Receivable": "14.8", "Goodwill": "-1.21", "Labor Expense": "2.14", "Expenses": "2.54", "Revenues": "-0.805", "Net Income": "3.11", "Other Expenses": "-0.923", "Other Revenues": "-0.805", "Other Liabilities": "-13.4", "Liabilities and Borrowings": "15.7", "Deposits": "-7.97", "Comprehensive Net Income": "3.49", "Other Net Income": "1.37", "Economic Capital Ratio": "4.99"}, "2019": {"Long-term Debt": "-1.65", "Liabilities": "-1.11", "Stockholders Equity": "1.50", "ECR before LimitedLiability": "2.19", "Deposits": "-5.87", "Other Liabilities": "-15.9", "Liabilities and Borrowings": "15.2", "Loans and Leases Receivable": "13.5", "Assets": "2.24", "Other Assets": "-6.49", "Goodwill": "-1.21", "Property, Plant and Equipment": "-0.818", "Cash Deposits and Cash Equivalents": "-1.74", "Assets and Securities": "-1.12", "Expenses": "2.77", "Revenues": "-0.849", "Net Income": "1.72", "Labor Expense": "2.13", "Other Revenues": "-0.849", "Comprehensive Net Income": "1.14", "Economic Capital Ratio": "2.16"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "30,712", "Cash Deposits and Cash Equivalents": "301,265", "Deposits": "0", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "2,904,237", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "518,552", "Other Compr. Net Income": "-8,784", "Other Expenses": "28,318", "Other Liabilities": "3,377,640", "Other Net Income": "75,325", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "16,737"}, "output_variables": {"Liabilities": "3,377,640", "Assets": "3,771,503", "Expenses": "28,318", "Revenues": "0", "Stockholders Equity": "393,863", "Net Income": "47,007", "Comprehensive Net Income": "38,223", "BaseVar": "3,778,627", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2014": {"input_variables": {"Assets and Securities": "44,975", "Cash Deposits and Cash Equivalents": "252,509", "Deposits": "4,310,768", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "179,561", "Loans and Leases Receivable": "4,266,324", "Long-term Debt": "119,300", "Occupancy": "0", "Other Assets": "664,973", "Other Compr. Net Income": "-8,768", "Other Expenses": "37,080", "Other Liabilities": "17,492", "Other Net Income": "99,981", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "19,099"}, "output_variables": {"Liabilities": "4,627,121", "Assets": "5,247,880", "Expenses": "37,080", "Revenues": "0", "Stockholders Equity": "620,759", "Net Income": "62,900", "Comprehensive Net Income": "54,133", "BaseVar": "5,202,180", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2015": {"input_variables": {"Assets and Securities": "48,700", "Cash Deposits and Cash Equivalents": "294,572", "Deposits": "5,158,444", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "216,045", "Loans and Leases Receivable": "4,945,681", "Long-term Debt": "70,000", "Occupancy": "0", "Other Assets": "769,442", "Other Compr. Net Income": "3,513", "Other Expenses": "103,117", "Other Liabilities": "-106,441", "Other Net Income": "258,413", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "18,254"}, "output_variables": {"Liabilities": "5,338,048", "Assets": "6,076,649", "Expenses": "103,117", "Revenues": "0", "Stockholders Equity": "738,601", "Net Income": "155,296", "Comprehensive Net Income": "158,810", "BaseVar": "6,369,901", "ECR before LimitedLiability": "20%", "Economic Capital Ratio": "20%"}}, "2016": {"input_variables": {"Assets and Securities": "52,653", "Cash Deposits and Cash Equivalents": "365,766", "Deposits": "5,716,114", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "334,915", "Loans and Leases Receivable": "5,618,819", "Long-term Debt": "216,514", "Occupancy": "0", "Other Assets": "832,197", "Other Compr. Net Income": "-2,515", "Other Expenses": "79,094", "Other Liabilities": "-220,246", "Other Net Income": "195,639", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "20,661"}, "output_variables": {"Liabilities": "6,047,297", "Assets": "6,890,096", "Expenses": "79,094", "Revenues": "0", "Stockholders Equity": "842,799", "Net Income": "116,545", "Comprehensive Net Income": "114,030", "BaseVar": "6,971,902", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}, "2017": {"input_variables": {"Assets and Securities": "71,784", "Cash Deposits and Cash Equivalents": "174,706", "Deposits": "5,853,984", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "476,558", "Loans and Leases Receivable": "6,346,770", "Long-term Debt": "216,905", "Occupancy": "0", "Other Assets": "864,778", "Other Compr. Net Income": "-938", "Other Expenses": "171,960", "Other Liabilities": "-18,856", "Other Net Income": "234,444", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "20,991"}, "output_variables": {"Liabilities": "6,528,591", "Assets": "7,479,029", "Expenses": "171,960", "Revenues": "0", "Stockholders Equity": "950,438", "Net Income": "62,484", "Comprehensive Net Income": "61,546", "BaseVar": "7,743,138", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2018": {"input_variables": {"Assets and Securities": "88,392", "Cash Deposits and Cash Equivalents": "309,930", "Deposits": "6,974,285", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "651,309", "Loans and Leases Receivable": "6,921,503", "Long-term Debt": "217,296", "Occupancy": "0", "Other Assets": "1,052,461", "Other Compr. Net Income": "-957", "Other Expenses": "54,538", "Other Liabilities": "-562,694", "Other Net Income": "238,144", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "16,851"}, "output_variables": {"Liabilities": "7,280,196", "Assets": "8,389,137", "Expenses": "54,538", "Revenues": "0", "Stockholders Equity": "1,108,941", "Net Income": "183,606", "Comprehensive Net Income": "182,649", "BaseVar": "8,367,620", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "19%"}}, "2019": {"input_variables": {"Assets and Securities": "929,007", "Cash Deposits and Cash Equivalents": "202,986", "Deposits": "7,224,391", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "908,877", "Loans and Leases Receivable": "7,472,090", "Long-term Debt": "217,687", "Occupancy": "0", "Other Assets": "370,014", "Other Compr. Net Income": "1,761", "Other Expenses": "53,720", "Other Liabilities": "-552,917", "Other Net Income": "185,622", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "14,622"}, "output_variables": {"Liabilities": "7,798,038", "Assets": "8,988,719", "Expenses": "53,720", "Revenues": "0", "Stockholders Equity": "1,190,681", "Net Income": "131,903", "Comprehensive Net Income": "133,664", "BaseVar": "8,830,981", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}}, "top_rated": false, "trend": -27.0, "value": 0.17418270022143367, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001050441.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001050441.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001050441.svg"}, {"company_id": "0000729986", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000729986.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0000729986.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000729986.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000729986_256x256.png", "name": "United Bankshares INC WV", "rank": 37, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0000729986.svg", "report_text": "The relative strengths and weaknesses of United Bankshares INC WV are 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 Bankshares INC WV compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 10.0% points.The greatest weakness of United Bankshares INC WV is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 14% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 17%, being 2.0% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000729986_2020_United_Bankshares_INC_WV.pdf", "shrinked_graph_json": {"2011": {"Other Assets": "-12.1", "Assets": "0.587", "Other Liabilities": "12.8", "Stockholders Equity": "0.503", "ECR before LimitedLiability": "0.498", "Goodwill": "2.35", "Assets and Securities": "-1.35", "Loans and Leases Receivable": "10.6", "Cash Deposits and Cash Equivalents": "0.949", "Property, Plant and Equipment": "-0.564", "Expenses": "0.547", "Revenues": "-0.645", "Net Income": "0.717", "Other Expenses": "0.453", "Other Revenues": "-0.645", "Liabilities and Borrowings": "-32.9", "Deposits": "-5.50", "Long-term Debt": "1.08", "Other Net Income": "0.812", "Comprehensive Net Income": "0.472", "Other Compr. Net Income": "-0.247", "Economic Capital Ratio": "0.244"}, "2019": {"Long-term Debt": "0.615", "Liabilities": "4.33", "Loans and Leases Receivable": "2.85", "Stockholders Equity": "4.53", "ECR before LimitedLiability": "2.01", "Deposits": "5.02", "Other Liabilities": "9.99", "Liabilities and Borrowings": "-13.6", "Other Noninterest Expense": "-1.17", "Expenses": "-3.68", "Revenues": "-0.713", "Net Income": "-2.28", "Labor Expense": "-1.28", "Other Revenues": "-0.713", "Other Assets": "1.79", "Goodwill": "4.47", "Property, Plant and Equipment": "-0.616", "Assets and Securities": "-7.04", "Comprehensive Net Income": "-2.76", "Other Net Income": "2.12", "Economic Capital Ratio": "1.99"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0000729986_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "349,914", "Cash Deposits and Cash Equivalents": "636,003", "Deposits": "6,819,010", "Fees": "0", "Goodwill": "371,693", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,199,848", "Loans and Leases Receivable": "6,162,836", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "854,582", "Other Compr. Net Income": "0", "Other Expenses": "34,766", "Other Liabilities": "-4,536,232", "Other Net Income": "110,376", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "76,442"}, "output_variables": {"Liabilities": "7,482,626", "Assets": "8,451,470", "Expenses": "34,766", "Revenues": "0", "Stockholders Equity": "968,844", "Net Income": "75,610", "Comprehensive Net Income": "75,610", "BaseVar": "8,230,481", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2019": {"input_variables": {"Assets and Securities": "441,922", "Cash Deposits and Cash Equivalents": "837,493", "Deposits": "13,852,421", "Fees": "8,070", "Goodwill": "1,478,014", "IT and Equipment Expense": "36,442", "Labor Expense": "173,962", "Liabilities and Borrowings": "9,231,059", "Loans and Leases Receivable": "13,635,072", "Long-term Debt": "0", "Occupancy": "34,850", "Other Assets": "3,173,179", "Other Compr. Net Income": "22,100", "Other Expenses": "112,403", "Other Liabilities": "-6,784,989", "Other Net Income": "556,784", "Other Noninterest Expense": "81,267", "Other Revenues": "8,666", "Property, Plant and Equipment": "96,644"}, "output_variables": {"Liabilities": "16,298,491", "Assets": "19,662,324", "Expenses": "446,994", "Revenues": "8,666", "Stockholders Equity": "3,363,833", "Net Income": "118,456", "Comprehensive Net Income": "140,556", "BaseVar": "19,858,105", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}}, "top_rated": false, "trend": null, "value": 0.1724325274946807, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000729986.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000729986.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000729986.svg"}, {"company_id": "0001212545", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001212545.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001212545.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001212545.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001212545_256x256.png", "name": "Western Alliance Bancorporation", "rank": 38, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001212545.svg", "report_text": "The relative strengths and weaknesses of Western Alliance 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 Western Alliance Bancorporation compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 16% points.The greatest weakness of Western Alliance Bancorporation 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 17%, being 1.9% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001212545_2020_Western_Alliance_Bancorporation.pdf", "shrinked_graph_json": {"2018": {"Other Liabilities": "15.1", "Liabilities": "3.55", "Stockholders Equity": "-0.453", "ECR before LimitedLiability": "3.24", "Long-term Debt": "0.734", "Liabilities and Borrowings": "-21.6", "Deposits": "-2.68", "Property, Plant and Equipment": "-0.683", "Assets": "-3.29", "Assets and Securities": "-7.45", "Other Assets": "0.175", "Loans and Leases Receivable": "7.42", "Goodwill": "-0.386", "Cash Deposits and Cash Equivalents": "-1.84", "Labor Expense": "-1.95", "Expenses": "-3.09", "Net Income": "3.07", "Other Net Income": "6.18", "Other Expenses": "-1.03", "Comprehensive Net Income": "3.10", "Economic Capital Ratio": "3.15"}, "2019": {"Long-term Debt": "0.588", "Liabilities": "-2.15", "ECR before LimitedLiability": "1.95", "Deposits": "-9.64", "Other Liabilities": "16.4", "Liabilities and Borrowings": "-22.7", "Loans and Leases Receivable": "9.93", "Assets": "1.50", "Other Assets": "3.01", "Goodwill": "-0.435", "Property, Plant and Equipment": "-0.600", "Cash Deposits and Cash Equivalents": "-2.20", "Assets and Securities": "-7.49", "Other Noninterest Expense": "0.448", "Expenses": "3.59", "Net Income": "2.70", "Labor Expense": "2.13", "Other Revenues": "-0.849", "Revenues": "-0.849", "Comprehensive Net Income": "2.65", "Economic Capital Ratio": "1.92"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001212545_strength_weakness.svg", "table_records": {"2018": {"input_variables": {"Assets and Securities": "310,840", "Cash Deposits and Cash Equivalents": "498,572", "Deposits": "19,177,447", "Fees": "0", "Goodwill": "289,895", "IT and Equipment Expense": "22,716", "Labor Expense": "253,238", "Liabilities and Borrowings": "12,656,742", "Loans and Leases Receivable": "17,557,900", "Long-term Debt": "0", "Occupancy": "29,404", "Other Assets": "4,332,805", "Other Compr. Net Income": "-29,419", "Other Expenses": "156,379", "Other Liabilities": "-11,338,437", "Other Net Income": "892,879", "Other Noninterest Expense": "38,470", "Other Revenues": "43,116", "Property, Plant and Equipment": "119,474"}, "output_variables": {"Liabilities": "20,495,752", "Assets": "23,109,486", "Expenses": "500,207", "Revenues": "43,116", "Stockholders Equity": "2,613,734", "Net Income": "435,788", "Comprehensive Net Income": "406,369", "BaseVar": "24,462,721", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}, "2019": {"input_variables": {"Assets and Securities": "283,936", "Cash Deposits and Cash Equivalents": "434,596", "Deposits": "22,796,493", "Fees": "0", "Goodwill": "289,895", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "14,778,945", "Loans and Leases Receivable": "20,955,499", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "4,732,184", "Other Compr. Net Income": "58,630", "Other Expenses": "105,055", "Other Liabilities": "-13,770,238", "Other Net Income": "604,226", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "125,838"}, "output_variables": {"Liabilities": "23,805,200", "Assets": "26,821,948", "Expenses": "105,055", "Revenues": "0", "Stockholders Equity": "3,016,748", "Net Income": "499,171", "Comprehensive Net Income": "557,801", "BaseVar": "26,707,332", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}}, "top_rated": false, "trend": -20.0, "value": 0.17175647527109314, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001212545.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001212545.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001212545.svg"}, {"company_id": "0000705432", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000705432.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 39, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 Assets and Securities, increasing the Economic Capital Ratio by 15% points.The greatest weakness of Southside Bancshares INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 24% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 17%, being 1.9% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000705432_2020_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"}, "2013": {"Long-term Debt": "-13.5", "Liabilities": "-1.32", "Stockholders Equity": "-2.07", "Liabilities and Borrowings": "-29.6", "Other Liabilities": "8.23", "Deposits": "0.395", "Goodwill": "-0.316", "Assets": "-0.726", "ECR before LimitedLiability": "-2.07", "Loans and Leases Receivable": "-12.6", "Cash Deposits and Cash Equivalents": "-2.05", "Assets and Securities": "-3.09", "Other Assets": "8.23", "Expenses": "1.03", "Revenues": "-0.136", "Net Income": "0.902", "Other Expenses": "0.698", "Labor Expense": "0.231", "Other Revenues": "-0.136", "Economic Capital Ratio": "-2.22", "Other Compr. Net Income": "-0.934"}, "2015": {"Deposits": "4.12", "Liabilities": "-2.01", "Stockholders Equity": "-1.37", "ECR before LimitedLiability": "-1.71", "Long-term Debt": "-8.49", "Other Liabilities": "9.91", "Liabilities and Borrowings": "-24.5", "Loans and Leases Receivable": "-9.96", "Assets": "0.445", "Assets and Securities": "-3.85", "Property, Plant and Equipment": "0.435", "Cash Deposits and Cash Equivalents": "-1.72", "Goodwill": "0.441", "Other Assets": "9.78", "Expenses": "1.29", "Other Expenses": "0.842", "Labor Expense": "0.262", "Other Revenues": "-0.305", "Revenues": "-0.305", "Economic Capital Ratio": "-1.75", "Other Net Income": "-1.25"}, "2016": {"Liabilities and Borrowings": "-20.2", "Liabilities": "-1.62", "Assets": "0.520", "Stockholders Equity": "-0.921", "ECR before LimitedLiability": "-2.09", "Deposits": "6.65", "Other Liabilities": "8.54", "Long-term Debt": "-8.75", "Assets and Securities": "-4.66", "Other Assets": "9.65", "Loans and Leases Receivable": "-11.6", "Cash Deposits and Cash Equivalents": "-0.845", "Other Expenses": "0.841", "Expenses": "1.46", "Revenues": "-0.474", "Comprehensive Net Income": "-0.954", "Labor Expense": "0.413", "Other Revenues": "-0.474", "Other Net Income": "-1.33", "Other Compr. Net Income": "-0.702", "Economic Capital Ratio": "-2.13"}, "2017": {"Other Liabilities": "11.0", "Liabilities": "-1.17", "Stockholders Equity": "0.692", "ECR before LimitedLiability": "0.832", "Liabilities and Borrowings": "-25.2", "Long-term Debt": "0.771", "Deposits": "4.10", "Loans and Leases Receivable": "-8.94", "Assets": "1.62", "Cash Deposits and Cash Equivalents": "-0.725", "Assets and Securities": "-4.31", "Other Assets": "11.6", "Goodwill": "1.15", "Expenses": "1.84", "Other Expenses": "0.993", "Labor Expense": "0.540", "Other Revenues": "-0.544", "Revenues": "-0.544", "Other Compr. Net Income": "0.500", "Economic Capital Ratio": "0.784", "Other Net Income": "-1.42"}, "2018": {"Other Liabilities": "12.1", "Liabilities": "-2.59", "Stockholders Equity": "0.846", "ECR before LimitedLiability": "0.824", "Long-term Debt": "0.663", "Liabilities and Borrowings": "-27.6", "Deposits": "1.12", "Assets": "2.92", "Assets and Securities": "12.4", "Other Assets": "-7.66", "Loans and Leases Receivable": "-5.03", "Goodwill": "1.23", "Cash Deposits and Cash Equivalents": "-1.73", "Labor Expense": "2.06", "Expenses": "4.05", "Revenues": "-0.782", "Net Income": "0.818", "Other Expenses": "0.800", "Other Revenues": "-0.782", "Other Net Income": "-2.57", "Economic Capital Ratio": "0.737"}, "2019": {"Liabilities": "-2.62", "ECR before LimitedLiability": "1.91", "Deposits": "3.75", "Other Liabilities": "11.5", "Liabilities and Borrowings": "-23.7", "Loans and Leases Receivable": "-7.76", "Assets": "2.50", "Comprehensive Net Income": "2.08", "Other Assets": "-5.52", "Goodwill": "0.967", "Property, Plant and Equipment": "0.621", "Cash Deposits and Cash Equivalents": "-2.15", "Assets and Securities": "15.2", "Expenses": "4.28", "Revenues": "-0.840", "Other Expenses": "0.962", "Labor Expense": "2.10", "Other Revenues": "-0.840", "Other Compr. Net Income": "2.23", "Other Net Income": "-3.61", "Economic Capital Ratio": "1.88"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "59,154", "Cash Deposits and Cash Equivalents": "54,431", "Deposits": "2,527,808", "Fees": "0", "Goodwill": "22,034", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,022,170", "Loans and Leases Receivable": "1,332,396", "Long-term Debt": "559,660", "Occupancy": "0", "Other Assets": "1,925,588", "Other Compr. Net Income": "-23,975", "Other Expenses": "5,097", "Other Liabilities": "-1,923,493", "Other Net Income": "46,287", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "52,060"}, "output_variables": {"Liabilities": "3,186,145", "Assets": "3,445,663", "Expenses": "5,097", "Revenues": "0", "Stockholders Equity": "259,518", "Net Income": "41,190", "Comprehensive Net Income": "17,215", "BaseVar": "3,452,681", "ECR before LimitedLiability": "7.9%", "Economic Capital Ratio": "8.2%"}}, "2015": {"input_variables": {"Assets and Securities": "10,953", "Cash Deposits and Cash Equivalents": "80,975", "Deposits": "3,455,407", "Fees": "0", "Goodwill": "91,520", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,818,195", "Loans and Leases Receivable": "2,412,017", "Long-term Debt": "562,592", "Occupancy": "0", "Other Assets": "2,458,682", "Other Compr. Net Income": "17,075", "Other Expenses": "6,946", "Other Liabilities": "-2,118,180", "Other Net Income": "50,530", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "107,929"}, "output_variables": {"Liabilities": "4,718,014", "Assets": "5,162,076", "Expenses": "6,946", "Revenues": "0", "Stockholders Equity": "444,062", "Net Income": "43,584", "Comprehensive Net Income": "60,659", "BaseVar": "5,075,356", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2016": {"input_variables": {"Assets and Securities": "10,187", "Cash Deposits and Cash Equivalents": "169,654", "Deposits": "3,533,076", "Fees": "0", "Goodwill": "91,520", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,873,338", "Loans and Leases Receivable": "2,538,626", "Long-term Debt": "601,464", "Occupancy": "0", "Other Assets": "2,647,777", "Other Compr. Net Income": "-16,118", "Other Expenses": "9,997", "Other Liabilities": "-1,962,385", "Other Net Income": "58,524", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "106,003"}, "output_variables": {"Liabilities": "5,045,493", "Assets": "5,563,767", "Expenses": "9,997", "Revenues": "0", "Stockholders Equity": "518,274", "Net Income": "48,527", "Comprehensive Net Income": "32,409", "BaseVar": "5,458,250", "ECR before LimitedLiability": "9.7%", "Economic Capital Ratio": "9.9%"}}, "2017": {"input_variables": {"Assets and Securities": "15,076", "Cash Deposits and Cash Equivalents": "198,692", "Deposits": "4,515,447", "Fees": "0", "Goodwill": "201,246", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,530,706", "Loans and Leases Receivable": "3,273,575", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "2,675,868", "Other Compr. Net Income": "-4,637", "Other Expenses": "16,222", "Other Liabilities": "-2,302,196", "Other Net Income": "69,263", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "133,640"}, "output_variables": {"Liabilities": "5,743,957", "Assets": "6,498,097", "Expenses": "16,222", "Revenues": "0", "Stockholders Equity": "754,140", "Net Income": "53,040", "Comprehensive Net Income": "48,403", "BaseVar": "6,284,598", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2018": {"input_variables": {"Assets and Securities": "2,003,461", "Cash Deposits and Cash Equivalents": "120,719", "Deposits": "4,425,030", "Fees": "0", "Goodwill": "201,116", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,513,427", "Loans and Leases Receivable": "3,285,780", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "376,446", "Other Compr. Net Income": "-3,045", "Other Expenses": "11,113", "Other Liabilities": "-2,546,254", "Other Net Income": "83,448", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "135,972"}, "output_variables": {"Liabilities": "5,392,203", "Assets": "6,123,494", "Expenses": "11,113", "Revenues": "0", "Stockholders Equity": "731,291", "Net Income": "72,335", "Comprehensive Net Income": "69,290", "BaseVar": "5,935,004", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2019": {"input_variables": {"Assets and Securities": "2,380,051", "Cash Deposits and Cash Equivalents": "110,697", "Deposits": "4,702,769", "Fees": "0", "Goodwill": "201,116", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,740,116", "Loans and Leases Receivable": "3,543,407", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "369,730", "Other Compr. Net Income": "-13,774", "Other Expenses": "12,617", "Other Liabilities": "-2,498,552", "Other Net Income": "87,623", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "143,912"}, "output_variables": {"Liabilities": "5,944,333", "Assets": "6,748,913", "Expenses": "12,617", "Revenues": "0", "Stockholders Equity": "804,580", "Net Income": "75,005", "Comprehensive Net Income": "61,231", "BaseVar": "6,553,559", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": 15.0, "value": 0.1714103204706624, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000705432.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000705432.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000705432.svg"}, {"company_id": "0000737875", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000737875.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 40, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 33% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 17%, being 1.8% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000737875_2020_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"}, "2013": {"Long-term Debt": "-2.69", "Liabilities": "0.945", "Stockholders Equity": "0.185", "Liabilities and Borrowings": "-41.4", "Other Liabilities": "8.06", "Deposits": "-2.00", "Goodwill": "0.623", "Assets": "-0.741", "ECR before LimitedLiability": "-2.24", "Loans and Leases Receivable": "-6.00", "Cash Deposits and Cash Equivalents": "-0.812", "Assets and Securities": "-4.17", "Other Assets": "6.37", "Property, Plant and Equipment": "0.479", "Expenses": "0.692", "Net Income": "0.737", "Other Expenses": "0.343", "Labor Expense": "0.231", "Comprehensive Net Income": "-2.57", "Other Compr. Net Income": "-3.46", "Economic Capital Ratio": "-2.39"}, "2014": {"Deposits": "1.27", "Liabilities": "0.406", "Stockholders Equity": "0.739", "ECR before LimitedLiability": "2.75", "Other Liabilities": "15.7", "Liabilities and Borrowings": "-39.7", "Long-term Debt": "-5.28", "Cash Deposits and Cash Equivalents": "-2.35", "Assets": "0.333", "Other Assets": "10.5", "Property, Plant and Equipment": "0.564", "Assets and Securities": "-4.15", "Goodwill": "0.687", "Loans and Leases Receivable": "-5.04", "Expenses": "0.899", "Net Income": "0.826", "Other Expenses": "0.362", "Labor Expense": "0.329", "Comprehensive Net Income": "2.03", "Other Compr. Net Income": "1.21", "Economic Capital Ratio": "2.71"}, "2015": {"Deposits": "-0.500", "Liabilities": "-0.411", "Stockholders Equity": "0.556", "Economic Capital Ratio": "-0.0802", "Long-term Debt": "-5.20", "Other Liabilities": "11.7", "Liabilities and Borrowings": "-35.3", "Loans and Leases Receivable": "-6.38", "Assets": "0.866", "Assets and Securities": "-3.82", "Property, Plant and Equipment": "0.429", "Cash Deposits and Cash Equivalents": "-2.23", "Goodwill": "0.594", "Other Assets": "9.82", "Expenses": "1.16", "Revenues": "-0.320", "Comprehensive Net Income": "-0.483", "Other Expenses": "0.673", "Labor Expense": "0.276", "Other Revenues": "-0.320", "Other Compr. Net Income": "-0.594", "Other Net Income": "-0.749"}, "2016": {"Liabilities and Borrowings": "-34.5", "Liabilities": "-0.725", "Stockholders Equity": "0.550", "Economic Capital Ratio": "-0.329", "Other Liabilities": "11.5", "Long-term Debt": "-6.00", "Assets and Securities": "-4.61", "Assets": "1.13", "Property, Plant and Equipment": "0.373", "Other Assets": "10.5", "Goodwill": "0.428", "Loans and Leases Receivable": "-6.91", "Cash Deposits and Cash Equivalents": "-2.41", "Other Expenses": "0.887", "Expenses": "1.57", "Revenues": "-0.498", "Comprehensive Net Income": "-0.677", "Labor Expense": "0.439", "Other Revenues": "-0.498", "Other Net Income": "-1.06", "Other Compr. Net Income": "-0.727"}, "2017": {"Other Liabilities": "14.3", "Liabilities": "-1.03", "Assets": "1.63", "Stockholders Equity": "0.847", "ECR before LimitedLiability": "1.93", "Liabilities and Borrowings": "-41.3", "Long-term Debt": "-5.24", "Deposits": "-3.81", "Loans and Leases Receivable": "-5.29", "Cash Deposits and Cash Equivalents": "-2.30", "Assets and Securities": "-4.26", "Other Assets": "12.0", "Expenses": "2.24", "Revenues": "-0.547", "Comprehensive Net Income": "1.34", "Other Expenses": "1.39", "Labor Expense": "0.543", "Other Revenues": "-0.547", "Other Compr. Net Income": "1.29", "Other Net Income": "-1.67", "Economic Capital Ratio": "1.88"}, "2018": {"Other Liabilities": "9.45", "Liabilities": "-3.25", "Assets": "3.11", "Stockholders Equity": "0.543", "ECR before LimitedLiability": "-1.36", "Long-term Debt": "-3.27", "Liabilities and Borrowings": "-23.6", "Deposits": "4.97", "Assets and Securities": "10.7", "Other Assets": "-8.92", "Loans and Leases Receivable": "-0.825", "Cash Deposits and Cash Equivalents": "-2.36", "Labor Expense": "1.96", "Expenses": "4.12", "Revenues": "-0.763", "Comprehensive Net Income": "-1.38", "Other Expenses": "1.21", "Other Revenues": "-0.763", "Other Compr. Net Income": "-1.07", "Other Net Income": "-4.12", "Economic Capital Ratio": "-1.44"}, "2019": {"Long-term Debt": "-4.53", "Liabilities": "-2.76", "Assets": "3.37", "Stockholders Equity": "1.26", "ECR before LimitedLiability": "1.84", "Deposits": "-2.38", "Other Liabilities": "17.0", "Liabilities and Borrowings": "-33.3", "Other Assets": "-6.67", "Property, Plant and Equipment": "0.482", "Cash Deposits and Cash Equivalents": "-2.53", "Assets and Securities": "11.6", "Expenses": "4.57", "Revenues": "-0.834", "Comprehensive Net Income": "1.30", "Other Expenses": "1.28", "Labor Expense": "2.09", "Other Revenues": "-0.834", "Other Compr. Net Income": "1.74", "Other Net Income": "-4.20", "Economic Capital Ratio": "1.81"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "2,296", "Cash Deposits and Cash Equivalents": "30,623", "Deposits": "690,075", "Fees": "0", "Goodwill": "19,133", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "608,333", "Loans and Leases Receivable": "439,999", "Long-term Debt": "40,429", "Occupancy": "0", "Other Assets": "387,998", "Other Compr. Net Income": "-12,582", "Other Expenses": "2,391", "Other Liabilities": "-533,623", "Other Net Income": "12,664", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "21,516"}, "output_variables": {"Liabilities": "805,214", "Assets": "901,565", "Expenses": "2,391", "Revenues": "0", "Stockholders Equity": "96,351", "Net Income": "10,273", "Comprehensive Net Income": "-2,309", "BaseVar": "903,551", "ECR before LimitedLiability": "7.7%", "Economic Capital Ratio": "8.1%"}}, "2014": {"input_variables": {"Assets and Securities": "1,943", "Cash Deposits and Cash Equivalents": "7,967", "Deposits": "661,562", "Fees": "0", "Goodwill": "19,133", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "570,480", "Loans and Leases Receivable": "481,071", "Long-term Debt": "65,339", "Occupancy": "0", "Other Assets": "381,368", "Other Compr. Net Income": "4,384", "Other Expenses": "2,617", "Other Liabilities": "-491,299", "Other Net Income": "12,828", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "20,871"}, "output_variables": {"Liabilities": "806,082", "Assets": "912,353", "Expenses": "2,617", "Revenues": "0", "Stockholders Equity": "106,271", "Net Income": "10,211", "Comprehensive Net Income": "14,595", "BaseVar": "895,207", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}, "2015": {"input_variables": {"Assets and Securities": "3,170", "Cash Deposits and Cash Equivalents": "9,008", "Deposits": "720,598", "Fees": "0", "Goodwill": "19,133", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "616,507", "Loans and Leases Receivable": "509,871", "Long-term Debt": "70,232", "Occupancy": "0", "Other Assets": "422,194", "Other Compr. Net Income": "1,662", "Other Expenses": "1,922", "Other Liabilities": "-532,286", "Other Net Income": "11,103", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "20,113"}, "output_variables": {"Liabilities": "875,051", "Assets": "983,489", "Expenses": "1,922", "Revenues": "0", "Stockholders Equity": "108,438", "Net Income": "9,181", "Comprehensive Net Income": "10,844", "BaseVar": "955,927", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2016": {"input_variables": {"Assets and Securities": "2,937", "Cash Deposits and Cash Equivalents": "9,128", "Deposits": "725,982", "Fees": "0", "Goodwill": "19,133", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "619,451", "Loans and Leases Receivable": "515,025", "Long-term Debt": "75,116", "Occupancy": "0", "Other Assets": "418,823", "Other Compr. Net Income": "-2,857", "Other Expenses": "1,834", "Other Liabilities": "-545,951", "Other Net Income": "11,321", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "19,237"}, "output_variables": {"Liabilities": "874,598", "Assets": "984,283", "Expenses": "1,834", "Revenues": "0", "Stockholders Equity": "109,685", "Net Income": "9,487", "Comprehensive Net Income": "6,630", "BaseVar": "958,502", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2017": {"input_variables": {"Assets and Securities": "2,734", "Cash Deposits and Cash Equivalents": "8,739", "Deposits": "778,146", "Fees": "0", "Goodwill": "19,133", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "660,201", "Loans and Leases Receivable": "551,910", "Long-term Debt": "65,000", "Occupancy": "0", "Other Assets": "386,982", "Other Compr. Net Income": "-278", "Other Expenses": "1,417", "Other Liabilities": "-629,945", "Other Net Income": "10,079", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "20,623"}, "output_variables": {"Liabilities": "873,402", "Assets": "990,121", "Expenses": "1,417", "Revenues": "0", "Stockholders Equity": "116,719", "Net Income": "8,662", "Comprehensive Net Income": "8,385", "BaseVar": "953,129", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2018": {"input_variables": {"Assets and Securities": "318,869", "Cash Deposits and Cash Equivalents": "10,950", "Deposits": "671,553", "Fees": "0", "Goodwill": "19,133", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "548,653", "Loans and Leases Receivable": "599,647", "Long-term Debt": "45,000", "Occupancy": "0", "Other Assets": "43,455", "Other Compr. Net Income": "-67", "Other Expenses": "271", "Other Liabilities": "-369,962", "Other Net Income": "9,660", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "19,946"}, "output_variables": {"Liabilities": "895,244", "Assets": "1,012,000", "Expenses": "271", "Revenues": "0", "Stockholders Equity": "116,756", "Net Income": "9,388", "Comprehensive Net Income": "9,321", "BaseVar": "971,769", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2019": {"input_variables": {"Assets and Securities": "280,446", "Cash Deposits and Cash Equivalents": "10,724", "Deposits": "761,628", "Fees": "0", "Goodwill": "19,133", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "631,456", "Loans and Leases Receivable": "640,727", "Long-term Debt": "55,000", "Occupancy": "0", "Other Assets": "36,809", "Other Compr. Net Income": "51", "Other Expenses": "1,136", "Other Liabilities": "-569,610", "Other Net Income": "11,372", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "19,387"}, "output_variables": {"Liabilities": "878,474", "Assets": "1,007,226", "Expenses": "1,136", "Revenues": "0", "Stockholders Equity": "128,752", "Net Income": "10,236", "Comprehensive Net Income": "10,286", "BaseVar": "965,644", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}}, "top_rated": false, "trend": 42.0, "value": 0.17071291265456032, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000737875.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000737875.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000737875.svg"}, {"company_id": "0001130144", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001130144.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001130144.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001130144.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001130144_256x256.png", "name": "Sierra Bancorp", "rank": 41, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001130144.svg", "report_text": "The relative strengths and weaknesses of Sierra 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 Sierra Bancorp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 17% points.The greatest weakness of Sierra Bancorp is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 27% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 17%, being 1.7% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001130144_2020_Sierra_Bancorp.pdf", "shrinked_graph_json": {"2013": {"Goodwill": "-0.511", "Assets": "2.30", "Deposits": "-11.9", "Stockholders Equity": "2.36", "ECR before LimitedLiability": "3.98", "Loans and Leases Receivable": "0.911", "Cash Deposits and Cash Equivalents": "0.817", "Assets and Securities": "-0.251", "Other Assets": "1.41", "Expenses": "0.965", "Revenues": "-0.158", "Net Income": "0.330", "Other Expenses": "0.540", "Labor Expense": "0.272", "Other Revenues": "-0.158", "Other Liabilities": "14.3", "Long-term Debt": "0.908", "Liabilities and Borrowings": "-34.1", "Comprehensive Net Income": "1.85", "Other Net Income": "-0.479", "Other Compr. Net Income": "1.52", "Economic Capital Ratio": "3.83"}, "2015": {"Deposits": "-7.24", "Liabilities": "0.163", "Loans and Leases Receivable": "0.797", "Stockholders Equity": "0.114", "ECR before LimitedLiability": "0.373", "Long-term Debt": "1.07", "Other Liabilities": "12.1", "Liabilities and Borrowings": "-30.6", "Other Revenues": "-0.325", "Revenues": "-0.325", "Net Income": "0.343", "Assets and Securities": "-2.55", "Property, Plant and Equipment": "-0.189", "Cash Deposits and Cash Equivalents": "-0.961", "Goodwill": "-0.564", "Other Assets": "3.39", "Comprehensive Net Income": "0.263", "Other Expenses": "-0.451", "Labor Expense": "0.280", "Other Net Income": "0.609", "Economic Capital Ratio": "0.333"}, "2016": {"Liabilities and Borrowings": "-29.1", "Liabilities": "-0.830", "Stockholders Equity": "-0.330", "ECR before LimitedLiability": "-0.990", "Deposits": "-8.14", "Other Liabilities": "10.8", "Long-term Debt": "0.811", "Assets and Securities": "-3.43", "Assets": "0.404", "Other Assets": "3.70", "Goodwill": "-0.701", "Loans and Leases Receivable": "-0.607", "Cash Deposits and Cash Equivalents": "1.19", "Expenses": "0.682", "Revenues": "-0.494", "Net Income": "-0.347", "Labor Expense": "0.433", "Other Revenues": "-0.494", "Comprehensive Net Income": "-0.542", "Other Net Income": "-0.548", "Economic Capital Ratio": "-1.03"}, "2017": {"Other Liabilities": "12.1", "Liabilities": "-0.681", "ECR before LimitedLiability": "-0.242", "Liabilities and Borrowings": "-30.2", "Long-term Debt": "0.764", "Deposits": "-8.76", "Loans and Leases Receivable": "1.66", "Assets": "0.605", "Net Income": "-0.148", "Cash Deposits and Cash Equivalents": "-0.808", "Assets and Securities": "-3.19", "Other Assets": "3.36", "Property, Plant and Equipment": "-0.154", "Goodwill": "-0.295", "Expenses": "0.603", "Revenues": "-0.545", "Other Expenses": "-0.252", "Labor Expense": "0.539", "Other Revenues": "-0.545", "Other Net Income": "-0.210", "Economic Capital Ratio": "-0.290"}, "2018": {"Other Liabilities": "12.7", "Liabilities": "-2.60", "Economic Capital Ratio": "-0.164", "Long-term Debt": "0.658", "Liabilities and Borrowings": "-28.3", "Deposits": "-8.74", "Assets": "2.00", "Assets and Securities": "8.48", "Other Assets": "-10.4", "Loans and Leases Receivable": "4.98", "Goodwill": "-0.424", "Cash Deposits and Cash Equivalents": "-1.06", "Labor Expense": "2.05", "Expenses": "3.22", "Net Income": "0.631", "Occupancy": "0.349", "Other Noninterest Expense": "0.489", "IT and Equipment Expense": "0.295", "Other Revenues": "-0.784", "Revenues": "-0.784", "Comprehensive Net Income": "0.461", "Other Net Income": "-1.91"}, "2019": {"Long-term Debt": "0.586", "Liabilities": "-1.92", "ECR before LimitedLiability": "1.76", "Deposits": "-8.63", "Other Liabilities": "16.6", "Liabilities and Borrowings": "-26.8", "Loans and Leases Receivable": "2.45", "Assets": "1.87", "Comprehensive Net Income": "1.88", "Other Assets": "-7.78", "Goodwill": "-0.450", "Cash Deposits and Cash Equivalents": "-1.16", "Assets and Securities": "9.64", "Expenses": "3.34", "Net Income": "0.898", "Labor Expense": "2.12", "Other Revenues": "-0.847", "Revenues": "-0.847", "Other Compr. Net Income": "0.986", "Other Net Income": "-1.60", "Economic Capital Ratio": "1.73"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001130144_strength_weakness.svg", "table_records": {"2013": {"input_variables": {"Assets and Securities": "79,885", "Cash Deposits and Cash Equivalents": "78,006", "Deposits": "1,174,179", "Fees": "0", "Goodwill": "5,544", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "831,650", "Loans and Leases Receivable": "793,087", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "433,334", "Other Compr. Net Income": "0", "Other Expenses": "3,093", "Other Liabilities": "-777,254", "Other Net Income": "16,462", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "20,393"}, "output_variables": {"Liabilities": "1,228,575", "Assets": "1,410,249", "Expenses": "3,093", "Revenues": "0", "Stockholders Equity": "181,674", "Net Income": "13,369", "Comprehensive Net Income": "13,369", "BaseVar": "1,354,904", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2015": {"input_variables": {"Assets and Securities": "38,569", "Cash Deposits and Cash Equivalents": "48,623", "Deposits": "1,464,628", "Fees": "0", "Goodwill": "6,908", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,065,718", "Loans and Leases Receivable": "1,124,602", "Long-term Debt": "2,000", "Occupancy": "0", "Other Assets": "555,845", "Other Compr. Net Income": "-1,761", "Other Expenses": "9,071", "Other Liabilities": "-926,149", "Other Net Income": "27,138", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "21,990"}, "output_variables": {"Liabilities": "1,606,197", "Assets": "1,796,537", "Expenses": "9,071", "Revenues": "0", "Stockholders Equity": "190,340", "Net Income": "18,067", "Comprehensive Net Income": "16,306", "BaseVar": "1,770,283", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2016": {"input_variables": {"Assets and Securities": "40,699", "Cash Deposits and Cash Equivalents": "120,442", "Deposits": "1,695,471", "Fees": "0", "Goodwill": "8,268", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,203,033", "Loans and Leases Receivable": "1,255,754", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "578,817", "Other Compr. Net Income": "-4,306", "Other Expenses": "8,800", "Other Liabilities": "-1,071,509", "Other Net Income": "26,367", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "28,893"}, "output_variables": {"Liabilities": "1,826,995", "Assets": "2,032,873", "Expenses": "8,800", "Revenues": "0", "Stockholders Equity": "205,878", "Net Income": "17,567", "Comprehensive Net Income": "13,261", "BaseVar": "2,001,577", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2017": {"input_variables": {"Assets and Securities": "44,713", "Cash Deposits and Cash Equivalents": "70,137", "Deposits": "1,988,386", "Fees": "0", "Goodwill": "27,357", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,384,284", "Loans and Leases Receivable": "1,551,551", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "617,152", "Other Compr. Net Income": "-1,933", "Other Expenses": "13,346", "Other Liabilities": "-1,288,314", "Other Net Income": "32,949", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "29,388"}, "output_variables": {"Liabilities": "2,084,356", "Assets": "2,340,298", "Expenses": "13,346", "Revenues": "0", "Stockholders Equity": "255,942", "Net Income": "19,603", "Comprehensive Net Income": "17,669", "BaseVar": "2,299,862", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2018": {"input_variables": {"Assets and Securities": "611,043", "Cash Deposits and Cash Equivalents": "74,132", "Deposits": "2,116,340", "Fees": "0", "Goodwill": "27,357", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,479,725", "Loans and Leases Receivable": "1,724,780", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "55,690", "Other Compr. Net Income": "-1,393", "Other Expenses": "10,782", "Other Liabilities": "-1,346,587", "Other Net Income": "40,065", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "29,500"}, "output_variables": {"Liabilities": "2,249,478", "Assets": "2,522,502", "Expenses": "10,782", "Revenues": "0", "Stockholders Equity": "273,024", "Net Income": "29,282", "Comprehensive Net Income": "27,889", "BaseVar": "2,480,806", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2019": {"input_variables": {"Assets and Securities": "646,714", "Cash Deposits and Cash Equivalents": "80,077", "Deposits": "2,168,374", "Fees": "0", "Goodwill": "27,357", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,512,928", "Loans and Leases Receivable": "1,755,538", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "56,698", "Other Compr. Net Income": "-4,312", "Other Expenses": "11,288", "Other Liabilities": "-1,396,768", "Other Net Income": "49,430", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "27,435"}, "output_variables": {"Liabilities": "2,284,534", "Assets": "2,593,819", "Expenses": "11,288", "Revenues": "0", "Stockholders Equity": "309,285", "Net Income": "38,141", "Comprehensive Net Income": "33,830", "BaseVar": "2,557,205", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}}, "top_rated": false, "trend": 24.0, "value": 0.16990376621990544, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001130144.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001130144.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001130144.svg"}, {"company_id": "0000750574", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000750574.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 42, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 17% points.The greatest weakness of Auburn National Bancorporation INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 31% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 17%, being 1.7% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000750574_2020_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"}, "2013": {"Goodwill": "-0.637", "Assets": "-1.03", "Deposits": "-12.3", "Stockholders Equity": "-1.14", "Loans and Leases Receivable": "-4.76", "Cash Deposits and Cash Equivalents": "1.35", "Assets and Securities": "-2.72", "Other Assets": "4.38", "Property, Plant and Equipment": "-0.136", "Expenses": "0.490", "Comprehensive Net Income": "-2.53", "Other Expenses": "0.191", "Labor Expense": "0.195", "Other Revenues": "-0.115", "Revenues": "-0.115", "ECR before LimitedLiability": "-3.86", "Other Liabilities": "6.44", "Long-term Debt": "-0.332", "Liabilities and Borrowings": "-47.1", "Other Net Income": "-0.280", "Other Compr. Net Income": "-2.67", "Economic Capital Ratio": "-4.01"}, "2014": {"Cash Deposits and Cash Equivalents": "4.72", "Assets": "-0.907", "Deposits": "-12.0", "Stockholders Equity": "-1.07", "Comprehensive Net Income": "2.80", "ECR before LimitedLiability": "1.81", "Other Assets": "6.73", "Property, Plant and Equipment": "-0.130", "Assets and Securities": "-3.60", "Goodwill": "-0.860", "Loans and Leases Receivable": "-7.23", "Expenses": "0.671", "Other Expenses": "0.132", "Labor Expense": "0.330", "Other Revenues": "-0.299", "Revenues": "-0.299", "Liabilities and Borrowings": "-52.3", "Other Liabilities": "14.7", "Other Net Income": "-0.283", "Other Compr. Net Income": "2.71", "Economic Capital Ratio": "1.77"}, "2015": {"Deposits": "-14.3", "Liabilities": "-0.780", "Stockholders Equity": "-0.501", "ECR before LimitedLiability": "-0.349", "Long-term Debt": "0.408", "Other Liabilities": "11.4", "Liabilities and Borrowings": "-44.6", "Loans and Leases Receivable": "-6.85", "Assets": "0.203", "Assets and Securities": "-3.33", "Cash Deposits and Cash Equivalents": "6.36", "Goodwill": "-0.836", "Other Assets": "3.99", "Expenses": "0.638", "Revenues": "-0.319", "Net Income": "0.186", "Other Expenses": "0.145", "Labor Expense": "0.275", "Other Revenues": "-0.319", "Comprehensive Net Income": "0.239", "Economic Capital Ratio": "-0.389"}, "2016": {"Liabilities and Borrowings": "-39.9", "Liabilities": "-0.799", "Assets and Securities": "-4.12", "Stockholders Equity": "-0.549", "ECR before LimitedLiability": "-1.16", "Deposits": "-13.2", "Other Liabilities": "10.6", "Long-term Debt": "0.497", "Other Expenses": "0.216", "Expenses": "0.897", "Revenues": "-0.493", "Comprehensive Net Income": "-0.513", "Labor Expense": "0.432", "Other Revenues": "-0.493", "Other Assets": "5.28", "Goodwill": "-0.996", "Loans and Leases Receivable": "-8.04", "Cash Deposits and Cash Equivalents": "6.38", "Other Net Income": "-0.357", "Other Compr. Net Income": "-0.580", "Economic Capital Ratio": "-1.21"}, "2017": {"Other Liabilities": "11.9", "Liabilities": "-1.34", "Stockholders Equity": "-0.570", "ECR before LimitedLiability": "-0.444", "Liabilities and Borrowings": "-39.7", "Long-term Debt": "0.440", "Deposits": "-12.5", "Loans and Leases Receivable": "-7.90", "Assets": "0.603", "Cash Deposits and Cash Equivalents": "5.60", "Assets and Securities": "-3.93", "Other Assets": "6.89", "Goodwill": "-1.15", "Expenses": "1.18", "Revenues": "-0.542", "Comprehensive Net Income": "0.306", "Other Expenses": "0.336", "Labor Expense": "0.535", "Other Revenues": "-0.542", "Other Net Income": "-0.480", "Economic Capital Ratio": "-0.493"}, "2018": {"Other Liabilities": "11.5", "Liabilities": "3.07", "Stockholders Equity": "-0.806", "ECR before LimitedLiability": "-1.21", "Long-term Debt": "0.692", "Liabilities and Borrowings": "-32.3", "Deposits": "-7.53", "Assets": "-3.54", "Assets and Securities": "-7.88", "Other Assets": "8.40", "Loans and Leases Receivable": "-6.05", "Goodwill": "-1.31", "Cash Deposits and Cash Equivalents": "2.34", "Labor Expense": "-2.70", "Expenses": "-4.14", "Other Compr. Net Income": "-0.957", "Comprehensive Net Income": "-0.988", "Other Noninterest Expense": "-1.57", "Other Expenses": "0.387", "Other Net Income": "4.00", "Economic Capital Ratio": "-1.30"}, "2019": {"Long-term Debt": "0.634", "Liabilities": "4.30", "ECR before LimitedLiability": "1.75", "Deposits": "-6.45", "Other Liabilities": "17.0", "Liabilities and Borrowings": "-31.0", "Loans and Leases Receivable": "-9.62", "Assets": "-3.83", "Comprehensive Net Income": "1.48", "Other Assets": "11.6", "Goodwill": "-1.31", "Cash Deposits and Cash Equivalents": "4.57", "Assets and Securities": "-8.27", "Other Noninterest Expense": "-1.69", "Expenses": "-4.78", "Other Compr. Net Income": "1.75", "Other Expenses": "0.685", "Occupancy": "-0.505", "Labor Expense": "-3.26", "Other Net Income": "4.86", "Economic Capital Ratio": "1.72"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "13,706", "Cash Deposits and Cash Equivalents": "54,222", "Deposits": "668,844", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "548,901", "Loans and Leases Receivable": "378,071", "Long-term Debt": "12,217", "Occupancy": "0", "Other Assets": "294,902", "Other Compr. Net Income": "-9,726", "Other Expenses": "2,290", "Other Liabilities": "-543,104", "Other Net Income": "9,408", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "10,442"}, "output_variables": {"Liabilities": "686,858", "Assets": "751,343", "Expenses": "2,290", "Revenues": "0", "Stockholders Equity": "64,485", "Net Income": "7,118", "Comprehensive Net Income": "-2,608", "BaseVar": "757,985", "ECR before LimitedLiability": "5.6%", "Economic Capital Ratio": "6.4%"}}, "2014": {"input_variables": {"Assets and Securities": "8,688", "Cash Deposits and Cash Equivalents": "83,503", "Deposits": "693,390", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "571,055", "Loans and Leases Receivable": "398,118", "Long-term Debt": "12,217", "Occupancy": "0", "Other Assets": "288,115", "Other Compr. Net Income": "-9,708", "Other Expenses": "5,254", "Other Liabilities": "-563,230", "Other Net Income": "10,952", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "10,807"}, "output_variables": {"Liabilities": "713,432", "Assets": "789,231", "Expenses": "5,254", "Revenues": "0", "Stockholders Equity": "75,799", "Net Income": "5,698", "Comprehensive Net Income": "-4,009", "BaseVar": "798,365", "ECR before LimitedLiability": "5.8%", "Economic Capital Ratio": "6.6%"}}, "2015": {"input_variables": {"Assets and Securities": "8,360", "Cash Deposits and Cash Equivalents": "113,930", "Deposits": "723,627", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "573,206", "Loans and Leases Receivable": "422,121", "Long-term Debt": "7,217", "Occupancy": "0", "Other Assets": "260,912", "Other Compr. Net Income": "3,883", "Other Expenses": "2,870", "Other Liabilities": "-566,810", "Other Net Income": "11,070", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "11,866"}, "output_variables": {"Liabilities": "737,240", "Assets": "817,189", "Expenses": "2,870", "Revenues": "0", "Stockholders Equity": "79,949", "Net Income": "8,200", "Comprehensive Net Income": "12,083", "BaseVar": "809,562", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2016": {"input_variables": {"Assets and Securities": "8,652", "Cash Deposits and Cash Equivalents": "121,277", "Deposits": "739,143", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "564,659", "Loans and Leases Receivable": "427,800", "Long-term Debt": "3,217", "Occupancy": "0", "Other Assets": "261,612", "Other Compr. Net Income": "-1,686", "Other Expenses": "3,494", "Other Liabilities": "-557,253", "Other Net Income": "11,764", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "12,602"}, "output_variables": {"Liabilities": "749,766", "Assets": "831,943", "Expenses": "3,494", "Revenues": "0", "Stockholders Equity": "82,177", "Net Income": "8,269", "Comprehensive Net Income": "6,583", "BaseVar": "821,608", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2017": {"input_variables": {"Assets and Securities": "7,219", "Cash Deposits and Cash Equivalents": "105,528", "Deposits": "757,659", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "569,341", "Loans and Leases Receivable": "450,816", "Long-term Debt": "3,217", "Occupancy": "0", "Other Assets": "276,027", "Other Compr. Net Income": "-1,074", "Other Expenses": "4,477", "Other Liabilities": "-563,742", "Other Net Income": "11,688", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "13,791"}, "output_variables": {"Liabilities": "766,475", "Assets": "853,381", "Expenses": "4,477", "Revenues": "0", "Stockholders Equity": "86,906", "Net Income": "7,212", "Comprehensive Net Income": "6,138", "BaseVar": "841,217", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2018": {"input_variables": {"Assets and Securities": "8,338", "Cash Deposits and Cash Equivalents": "65,076", "Deposits": "724,193", "Fees": "902", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "10,653", "Liabilities and Borrowings": "527,374", "Loans and Leases Receivable": "472,501", "Long-term Debt": "0", "Occupancy": "1,465", "Other Assets": "258,566", "Other Compr. Net Income": "-1,615", "Other Expenses": "1,771", "Other Liabilities": "-522,545", "Other Net Income": "47,802", "Other Noninterest Expense": "4,544", "Other Revenues": "1,184", "Property, Plant and Equipment": "13,596"}, "output_variables": {"Liabilities": "729,022", "Assets": "818,077", "Expenses": "19,335", "Revenues": "1,184", "Stockholders Equity": "89,055", "Net Income": "29,651", "Comprehensive Net Income": "28,037", "BaseVar": "900,484", "ECR before LimitedLiability": "22%", "Economic Capital Ratio": "22%"}}, "2019": {"input_variables": {"Assets and Securities": "6,872", "Cash Deposits and Cash Equivalents": "92,443", "Deposits": "724,152", "Fees": "1,030", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "12,105", "Liabilities and Borrowings": "533,333", "Loans and Leases Receivable": "458,717", "Long-term Debt": "0", "Occupancy": "2,097", "Other Assets": "255,104", "Other Compr. Net Income": "1,265", "Other Expenses": "2,570", "Other Liabilities": "-527,934", "Other Net Income": "31,548", "Other Noninterest Expense": "4,667", "Other Revenues": "1,155", "Property, Plant and Equipment": "14,743"}, "output_variables": {"Liabilities": "729,551", "Assets": "827,879", "Expenses": "22,470", "Revenues": "1,155", "Stockholders Equity": "98,328", "Net Income": "10,233", "Comprehensive Net Income": "11,498", "BaseVar": "881,151", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}}, "top_rated": false, "trend": 39.0, "value": 0.16977765022162886, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000750574.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000750574.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000750574.svg"}, {"company_id": "0000759944", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000759944.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0000759944.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000759944.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000759944_256x256.png", "name": "Citizens Financial Group INC RI", "rank": 43, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0000759944.svg", "report_text": "The relative strengths and weaknesses of Citizens Financial Group INC RI are 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 Group INC RI compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 17% points.The greatest weakness of Citizens Financial Group INC RI 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 17%, being 1.6% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000759944_2020_Citizens_Financial_Group_INC_RI.pdf", "shrinked_graph_json": {"2014": {"Liabilities": "0.773", "Stockholders Equity": "3.35", "ECR before LimitedLiability": "2.46", "Other Liabilities": "15.3", "Liabilities and Borrowings": "-33.7", "Long-term Debt": "-1.90", "Cash Deposits and Cash Equivalents": "-2.10", "Assets": "2.43", "Other Assets": "-3.13", "Property, Plant and Equipment": "-0.765", "Assets and Securities": "-2.97", "Goodwill": "3.07", "Loans and Leases Receivable": "8.43", "Expenses": "0.791", "Revenues": "-0.293", "Net Income": "-0.893", "Labor Expense": "0.324", "Other Revenues": "-0.293", "Comprehensive Net Income": "-0.712", "Other Net Income": "-1.39", "Economic Capital Ratio": "2.43"}, "2015": {"Deposits": "-2.89", "Liabilities": "0.634", "Stockholders Equity": "3.36", "ECR before LimitedLiability": "2.38", "Long-term Debt": "-5.44", "Other Liabilities": "14.1", "Liabilities and Borrowings": "-28.7", "Loans and Leases Receivable": "8.24", "Assets": "2.59", "Assets and Securities": "-2.50", "Property, Plant and Equipment": "-0.746", "Cash Deposits and Cash Equivalents": "-2.09", "Goodwill": "2.93", "Other Assets": "-3.57", "Expenses": "0.761", "Net Income": "-1.07", "Other Revenues": "-0.324", "Revenues": "-0.324", "Comprehensive Net Income": "-0.825", "Other Net Income": "-1.51", "Economic Capital Ratio": "2.34"}, "2016": {"Assets and Securities": "-3.36", "Assets": "2.14", "Long-term Debt": "-7.05", "Stockholders Equity": "2.33", "ECR before LimitedLiability": "1.13", "Property, Plant and Equipment": "-0.764", "Other Assets": "-1.47", "Goodwill": "2.44", "Loans and Leases Receivable": "7.16", "Cash Deposits and Cash Equivalents": "-2.38", "Expenses": "1.07", "Revenues": "-0.505", "Net Income": "-0.916", "Labor Expense": "0.446", "Other Revenues": "-0.505", "Other Liabilities": "12.9", "Liabilities and Borrowings": "-27.2", "Deposits": "-0.669", "Comprehensive Net Income": "-1.04", "Other Net Income": "-1.49", "Economic Capital Ratio": "1.08"}, "2017": {"Loans and Leases Receivable": "7.13", "Assets": "2.31", "Long-term Debt": "-6.44", "Stockholders Equity": "2.18", "ECR before LimitedLiability": "2.82", "Cash Deposits and Cash Equivalents": "-2.36", "Assets and Securities": "-2.83", "Other Assets": "-1.01", "Property, Plant and Equipment": "-0.725", "Goodwill": "2.25", "Expenses": "2.15", "Revenues": "-0.547", "Net Income": "0.893", "Other Expenses": "1.29", "Other Revenues": "-0.547", "Other Liabilities": "15.2", "Liabilities and Borrowings": "-30.6", "Deposits": "-1.65", "Comprehensive Net Income": "0.911", "Other Net Income": "-0.718", "Economic Capital Ratio": "2.77"}, "2018": {"Other Liabilities": "14.2", "Liabilities": "-2.01", "Stockholders Equity": "1.73", "ECR before LimitedLiability": "1.42", "Long-term Debt": "-7.75", "Liabilities and Borrowings": "-29.0", "Deposits": "-1.15", "Property, Plant and Equipment": "-0.623", "Assets": "3.26", "Assets and Securities": "3.22", "Other Assets": "14.2", "Loans and Leases Receivable": "-33.8", "Goodwill": "2.02", "Cash Deposits and Cash Equivalents": "-2.59", "Labor Expense": "2.07", "Expenses": "3.65", "Other Noninterest Expense": "0.491", "Other Revenues": "-0.784", "Revenues": "-0.784", "Economic Capital Ratio": "1.33", "Other Net Income": "-2.62"}, "2019": {"Long-term Debt": "-7.49", "Liabilities": "-2.24", "Stockholders Equity": "1.77", "ECR before LimitedLiability": "1.63", "Deposits": "-2.42", "Other Liabilities": "16.8", "Liabilities and Borrowings": "-29.8", "Loans and Leases Receivable": "-34.1", "Assets": "3.43", "Other Assets": "16.9", "Goodwill": "1.94", "Cash Deposits and Cash Equivalents": "-2.67", "Assets and Securities": "3.23", "Expenses": "3.94", "Other Expenses": "0.631", "Labor Expense": "2.09", "Other Revenues": "-0.836", "Revenues": "-0.836", "Economic Capital Ratio": "1.60", "Other Compr. Net Income": "0.719", "Other Net Income": "-3.30"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0000759944_strength_weakness.svg", "table_records": {"2014": {"input_variables": {"Assets and Securities": "2,412,000", "Cash Deposits and Cash Equivalents": "1,541,000", "Deposits": "95,707,000", "Fees": "0", "Goodwill": "6,876,000", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "75,503,000", "Loans and Leases Receivable": "92,471,000", "Long-term Debt": "4,642,000", "Occupancy": "0", "Other Assets": "28,962,000", "Other Compr. Net Income": "276,000", "Other Expenses": "403,000", "Other Liabilities": "-62,263,000", "Other Net Income": "1,268,000", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "595,000"}, "output_variables": {"Liabilities": "113,589,000", "Assets": "132,857,000", "Expenses": "403,000", "Revenues": "0", "Stockholders Equity": "19,268,000", "Net Income": "865,000", "Comprehensive Net Income": "1,141,000", "BaseVar": "126,756,805", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2015": {"input_variables": {"Assets and Securities": "2,841,000", "Cash Deposits and Cash Equivalents": "1,455,000", "Deposits": "102,539,000", "Fees": "0", "Goodwill": "6,876,000", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "77,182,000", "Loans and Leases Receivable": "98,151,000", "Long-term Debt": "9,886,000", "Occupancy": "0", "Other Assets": "28,290,000", "Other Compr. Net Income": "-15,000", "Other Expenses": "423,000", "Other Liabilities": "-71,045,000", "Other Net Income": "1,263,000", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "595,000"}, "output_variables": {"Liabilities": "118,562,000", "Assets": "138,208,000", "Expenses": "423,000", "Revenues": "0", "Stockholders Equity": "19,646,000", "Net Income": "840,000", "Comprehensive Net Income": "825,000", "BaseVar": "131,472,315", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2016": {"input_variables": {"Assets and Securities": "2,993,000", "Cash Deposits and Cash Equivalents": "1,394,000", "Deposits": "109,804,000", "Fees": "0", "Goodwill": "6,876,000", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "83,927,000", "Loans and Leases Receivable": "107,016,000", "Long-term Debt": "12,790,000", "Occupancy": "0", "Other Assets": "30,640,000", "Other Compr. Net Income": "-281,000", "Other Expenses": "489,000", "Other Liabilities": "-76,748,000", "Other Net Income": "1,534,000", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "601,000"}, "output_variables": {"Liabilities": "129,773,000", "Assets": "149,520,000", "Expenses": "489,000", "Revenues": "0", "Stockholders Equity": "19,747,000", "Net Income": "1,045,000", "Comprehensive Net Income": "764,000", "BaseVar": "143,828,260", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2017": {"input_variables": {"Assets and Securities": "3,429,000", "Cash Deposits and Cash Equivalents": "1,179,000", "Deposits": "115,089,000", "Fees": "0", "Goodwill": "6,887,000", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "88,285,000", "Loans and Leases Receivable": "109,878,000", "Long-term Debt": "11,765,000", "Occupancy": "0", "Other Assets": "30,278,000", "Other Compr. Net Income": "-74,810", "Other Expenses": "267,594", "Other Liabilities": "-83,073,000", "Other Net Income": "1,934,575", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "685,000"}, "output_variables": {"Liabilities": "132,066,000", "Assets": "152,336,000", "Expenses": "267,594", "Revenues": "0", "Stockholders Equity": "20,270,000", "Net Income": "1,666,981", "Comprehensive Net Income": "1,592,171", "BaseVar": "146,333,716", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2018": {"input_variables": {"Assets and Securities": "24,649,000", "Cash Deposits and Cash Equivalents": "1,229,000", "Deposits": "119,575,000", "Fees": "0", "Goodwill": "6,923,000", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "93,292,000", "Loans and Leases Receivable": "1,200,000", "Long-term Debt": "14,433,000", "Occupancy": "0", "Other Assets": "125,726,000", "Other Compr. Net Income": "-185,419", "Other Expenses": "423,303", "Other Liabilities": "-87,599,000", "Other Net Income": "2,215,844", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "791,000"}, "output_variables": {"Liabilities": "139,701,000", "Assets": "160,518,000", "Expenses": "423,303", "Revenues": "0", "Stockholders Equity": "20,817,000", "Net Income": "1,792,541", "Comprehensive Net Income": "1,607,123", "BaseVar": "155,236,088", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2019": {"input_variables": {"Assets and Securities": "26,491,000", "Cash Deposits and Cash Equivalents": "1,472,000", "Deposits": "125,313,000", "Fees": "0", "Goodwill": "7,044,000", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "99,257,000", "Loans and Leases Receivable": "1,946,000", "Long-term Debt": "14,047,000", "Occupancy": "0", "Other Assets": "128,019,000", "Other Compr. Net Income": "-268,140", "Other Expenses": "460,335", "Other Liabilities": "-95,085,000", "Other Net Income": "2,259,717", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "761,000"}, "output_variables": {"Liabilities": "143,532,000", "Assets": "165,733,000", "Expenses": "460,335", "Revenues": "0", "Stockholders Equity": "22,201,000", "Net Income": "1,799,382", "Comprehensive Net Income": "1,531,242", "BaseVar": "160,056,069", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}}, "top_rated": false, "trend": 1.0, "value": 0.16856085377637542, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000759944.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000759944.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000759944.svg"}, {"company_id": "0000034782", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000034782.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 44, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 17% points.The greatest weakness of 1ST Source CORP 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 1.6% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000034782_2020_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"}, "2013": {"Long-term Debt": "1.03", "Liabilities": "8.59", "Assets": "-7.84", "ECR before LimitedLiability": "3.32", "Liabilities and Borrowings": "-38.8", "Other Liabilities": "13.6", "Deposits": "3.32", "Loans and Leases Receivable": "7.29", "Cash Deposits and Cash Equivalents": "-3.70", "Assets and Securities": "-3.14", "Other Assets": "-7.10", "Expenses": "-10.1", "Net Income": "2.99", "Other Expenses": "-2.78", "Labor Expense": "-6.22", "Other Revenues": "5.76", "Revenues": "5.76", "Other Compr. Net Income": "-1.68", "Comprehensive Net Income": "1.35", "Other Net Income": "6.48", "Economic Capital Ratio": "3.17"}, "2014": {"Deposits": "-4.60", "Liabilities": "1.20", "Stockholders Equity": "1.64", "ECR before LimitedLiability": "2.41", "Other Liabilities": "15.4", "Liabilities and Borrowings": "-45.2", "Long-term Debt": "1.32", "Cash Deposits and Cash Equivalents": "-2.99", "Assets": "0.495", "Other Assets": "-3.61", "Property, Plant and Equipment": "-0.351", "Assets and Securities": "-2.51", "Goodwill": "-0.854", "Loans and Leases Receivable": "10.4", "Other Net Income": "1.56", "Net Income": "1.16", "Other Compr. Net Income": "-0.415", "Comprehensive Net Income": "0.745", "Other Expenses": "-0.643", "Labor Expense": "0.330", "Economic Capital Ratio": "2.37"}, "2015": {"Deposits": "-6.07", "Liabilities": "1.41", "Loans and Leases Receivable": "9.61", "Stockholders Equity": "1.64", "ECR before LimitedLiability": "2.53", "Long-term Debt": "1.21", "Other Liabilities": "14.3", "Liabilities and Borrowings": "-40.4", "Expenses": "-0.315", "Net Income": "0.762", "Other Expenses": "-0.831", "Other Revenues": "-0.331", "Revenues": "-0.331", "Assets and Securities": "-2.28", "Property, Plant and Equipment": "-0.332", "Cash Deposits and Cash Equivalents": "-2.91", "Goodwill": "-0.846", "Other Assets": "-3.59", "Comprehensive Net Income": "0.844", "Other Net Income": "1.40", "Economic Capital Ratio": "2.49"}, "2016": {"Liabilities and Borrowings": "-37.7", "Liabilities": "0.670", "Stockholders Equity": "1.43", "ECR before LimitedLiability": "2.01", "Deposits": "-4.51", "Other Liabilities": "13.8", "Long-term Debt": "0.872", "Assets and Securities": "-3.16", "Assets": "0.744", "Other Assets": "-0.763", "Goodwill": "-1.01", "Loans and Leases Receivable": "8.50", "Cash Deposits and Cash Equivalents": "-3.09", "Other Revenues": "-0.514", "Revenues": "-0.514", "Net Income": "0.381", "Comprehensive Net Income": "0.625", "Other Expenses": "-0.547", "Other Net Income": "0.712", "Labor Expense": "0.455", "Economic Capital Ratio": "1.96"}, "2017": {"Other Liabilities": "14.2", "Liabilities": "0.447", "Stockholders Equity": "1.06", "ECR before LimitedLiability": "1.82", "Liabilities and Borrowings": "-41.7", "Long-term Debt": "0.793", "Deposits": "-4.83", "Loans and Leases Receivable": "7.96", "Assets": "0.597", "Cash Deposits and Cash Equivalents": "-2.98", "Assets and Securities": "-2.66", "Other Assets": "-0.443", "Goodwill": "-1.16", "Expenses": "0.684", "Revenues": "-0.556", "Net Income": "1.08", "Labor Expense": "0.552", "Other Revenues": "-0.556", "Comprehensive Net Income": "0.814", "Other Net Income": "0.953", "Economic Capital Ratio": "1.77"}, "2018": {"Other Liabilities": "14.6", "Liabilities": "-1.98", "Stockholders Equity": "0.954", "ECR before LimitedLiability": "1.84", "Long-term Debt": "0.674", "Liabilities and Borrowings": "-37.4", "Deposits": "-6.93", "Assets": "2.51", "Assets and Securities": "5.29", "Other Assets": "-7.99", "Loans and Leases Receivable": "9.78", "Goodwill": "-1.21", "Cash Deposits and Cash Equivalents": "-3.15", "Labor Expense": "2.09", "Expenses": "3.43", "Revenues": "-0.790", "Net Income": "1.18", "Other Revenues": "-0.790", "Comprehensive Net Income": "1.26", "Other Net Income": "-1.50", "Economic Capital Ratio": "1.76"}, "2019": {"Long-term Debt": "0.583", "Liabilities": "-1.90", "Stockholders Equity": "1.19", "ECR before LimitedLiability": "1.63", "Deposits": "-6.72", "Other Liabilities": "16.8", "Liabilities and Borrowings": "-37.8", "Loans and Leases Receivable": "8.57", "Assets": "2.61", "Other Assets": "-5.91", "Goodwill": "-1.20", "Cash Deposits and Cash Equivalents": "-3.32", "Assets and Securities": "5.55", "Expenses": "3.41", "Revenues": "-0.843", "Net Income": "0.958", "Labor Expense": "2.11", "Other Revenues": "-0.843", "Comprehensive Net Income": "0.999", "Other Net Income": "-1.62", "Economic Capital Ratio": "1.60"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "121,836", "Cash Deposits and Cash Equivalents": "0", "Deposits": "3,653,650", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "79,783", "Liabilities and Borrowings": "3,152,126", "Loans and Leases Receivable": "3,465,819", "Long-term Debt": "0", "Occupancy": "8,700", "Other Assets": "1,088,541", "Other Compr. Net Income": "-41,943", "Other Expenses": "53,391", "Other Liabilities": "-2,668,328", "Other Net Income": "156,045", "Other Noninterest Expense": "7,440", "Other Revenues": "77,212", "Property, Plant and Equipment": "46,630"}, "output_variables": {"Liabilities": "4,137,448", "Assets": "4,722,826", "Expenses": "149,314", "Revenues": "77,212", "Stockholders Equity": "585,378", "Net Income": "83,943", "Comprehensive Net Income": "42,000", "BaseVar": "5,200,630", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2014": {"input_variables": {"Assets and Securities": "124,897", "Cash Deposits and Cash Equivalents": "0", "Deposits": "3,802,860", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "77,880", "Liabilities and Borrowings": "3,197,269", "Loans and Leases Receivable": "3,603,506", "Long-term Debt": "0", "Occupancy": "8,492", "Other Assets": "1,051,227", "Other Compr. Net Income": "-41,680", "Other Expenses": "35,806", "Other Liabilities": "-2,784,644", "Other Net Income": "107,420", "Other Noninterest Expense": "7,262", "Other Revenues": "75,370", "Property, Plant and Equipment": "50,328"}, "output_variables": {"Liabilities": "4,215,485", "Assets": "4,829,958", "Expenses": "129,440", "Revenues": "75,370", "Stockholders Equity": "614,473", "Net Income": "53,349", "Comprehensive Net Income": "11,669", "BaseVar": "5,165,068", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2015": {"input_variables": {"Assets and Securities": "129,852", "Cash Deposits and Cash Equivalents": "0", "Deposits": "4,139,186", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,422,789", "Loans and Leases Receivable": "3,906,580", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,098,293", "Other Compr. Net Income": "-642", "Other Expenses": "29,733", "Other Liabilities": "-3,018,112", "Other Net Income": "87,518", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "53,191"}, "output_variables": {"Liabilities": "4,543,863", "Assets": "5,187,916", "Expenses": "29,733", "Revenues": "0", "Stockholders Equity": "644,053", "Net Income": "57,784", "Comprehensive Net Income": "57,142", "BaseVar": "5,079,865", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2016": {"input_variables": {"Assets and Securities": "130,059", "Cash Deposits and Cash Equivalents": "0", "Deposits": "4,333,760", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,560,260", "Loans and Leases Receivable": "4,099,528", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,199,973", "Other Compr. Net Income": "-4,305", "Other Expenses": "31,266", "Other Liabilities": "-3,080,402", "Other Net Income": "88,983", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "56,708"}, "output_variables": {"Liabilities": "4,813,618", "Assets": "5,486,268", "Expenses": "31,266", "Revenues": "0", "Stockholders Equity": "672,650", "Net Income": "57,718", "Comprehensive Net Income": "53,413", "BaseVar": "5,376,008", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2017": {"input_variables": {"Assets and Securities": "155,412", "Cash Deposits and Cash Equivalents": "0", "Deposits": "4,752,730", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,966,891", "Loans and Leases Receivable": "4,432,795", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,244,465", "Other Compr. Net Income": "-4,881", "Other Expenses": "32,752", "Other Liabilities": "-3,550,874", "Other Net Income": "98,262", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "54,612"}, "output_variables": {"Liabilities": "5,168,747", "Assets": "5,887,284", "Expenses": "32,752", "Revenues": "0", "Stockholders Equity": "718,537", "Net Income": "65,510", "Comprehensive Net Income": "60,629", "BaseVar": "5,774,665", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2018": {"input_variables": {"Assets and Securities": "1,149,400", "Cash Deposits and Cash Equivalents": "0", "Deposits": "5,122,322", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,097,431", "Loans and Leases Receivable": "4,734,995", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "357,211", "Other Compr. Net Income": "-5,877", "Other Expenses": "25,694", "Other Liabilities": "-3,689,598", "Other Net Income": "104,110", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "52,139"}, "output_variables": {"Liabilities": "5,530,155", "Assets": "6,293,745", "Expenses": "25,694", "Revenues": "0", "Stockholders Equity": "763,590", "Net Income": "78,417", "Comprehensive Net Income": "72,539", "BaseVar": "6,158,211", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2019": {"input_variables": {"Assets and Securities": "1,268,573", "Cash Deposits and Cash Equivalents": "0", "Deposits": "5,357,326", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,401,469", "Loans and Leases Receivable": "4,974,273", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "327,711", "Other Compr. Net Income": "7,036", "Other Expenses": "26,529", "Other Liabilities": "-3,984,655", "Other Net Income": "116,403", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "52,219"}, "output_variables": {"Liabilities": "5,774,140", "Assets": "6,622,776", "Expenses": "26,529", "Revenues": "0", "Stockholders Equity": "848,636", "Net Income": "89,873", "Comprehensive Net Income": "96,909", "BaseVar": "6,470,650", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}}, "top_rated": false, "trend": -7.0, "value": 0.16856002766066736, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000034782.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000034782.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000034782.svg"}, {"company_id": "0000861842", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000861842.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 45, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 28% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 17%, being 1.6% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000861842_2020_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"}, "2013": {"Liabilities": "1.94", "Stockholders Equity": "2.51", "ECR before LimitedLiability": "3.94", "Liabilities and Borrowings": "13.8", "Other Liabilities": "-26.2", "Goodwill": "1.33", "Assets": "0.651", "Loans and Leases Receivable": "10.6", "Cash Deposits and Cash Equivalents": "-2.31", "Assets and Securities": "-3.18", "Other Assets": "-5.97", "Property, Plant and Equipment": "-0.496", "Expenses": "-0.624", "Revenues": "-0.162", "Net Income": "0.944", "Other Expenses": "-1.06", "Labor Expense": "0.279", "Other Revenues": "-0.162", "Comprehensive Net Income": "1.42", "Other Net Income": "1.72", "Other Compr. Net Income": "0.477", "Economic Capital Ratio": "3.79"}, "2014": {"Deposits": "-2.13", "Liabilities": "2.51", "Cash Deposits and Cash Equivalents": "-1.89", "Stockholders Equity": "2.62", "ECR before LimitedLiability": "4.06", "Other Liabilities": "-22.4", "Liabilities and Borrowings": "15.7", "Long-term Debt": "0.408", "Expenses": "-0.745", "Revenues": "-0.301", "Net Income": "1.14", "Other Expenses": "-1.29", "Labor Expense": "0.333", "Other Revenues": "-0.301", "Other Assets": "-6.40", "Property, Plant and Equipment": "-0.481", "Assets and Securities": "-3.45", "Goodwill": "1.17", "Loans and Leases Receivable": "11.6", "Comprehensive Net Income": "1.31", "Other Net Income": "2.18", "Economic Capital Ratio": "4.03"}, "2015": {"Deposits": "-6.23", "Liabilities": "1.48", "Stockholders Equity": "2.35", "ECR before LimitedLiability": "3.77", "Long-term Debt": "0.414", "Other Liabilities": "-20.9", "Liabilities and Borrowings": "15.0", "Loans and Leases Receivable": "10.4", "Assets": "0.906", "Assets and Securities": "-3.23", "Property, Plant and Equipment": "-0.472", "Cash Deposits and Cash Equivalents": "-1.90", "Goodwill": "1.25", "Other Assets": "-5.40", "Other Revenues": "-0.330", "Revenues": "-0.330", "Net Income": "1.21", "Labor Expense": "0.286", "Comprehensive Net Income": "1.42", "Other Net Income": "1.31", "Economic Capital Ratio": "3.73"}, "2016": {"Liabilities and Borrowings": "14.8", "Liabilities": "0.655", "Stockholders Equity": "1.74", "ECR before LimitedLiability": "3.39", "Deposits": "-6.20", "Other Liabilities": "-22.5", "Assets and Securities": "-4.21", "Assets": "1.04", "Property, Plant and Equipment": "-0.532", "Other Assets": "-3.40", "Goodwill": "0.893", "Loans and Leases Receivable": "9.94", "Cash Deposits and Cash Equivalents": "-1.98", "Expenses": "0.594", "Net Income": "0.987", "Other Revenues": "-0.514", "Revenues": "-0.514", "Other Compr. Net Income": "0.736", "Comprehensive Net Income": "1.72", "Other Net Income": "0.907", "Economic Capital Ratio": "3.34"}, "2017": {"Other Liabilities": "-22.5", "Liabilities": "1.13", "Loans and Leases Receivable": "11.8", "Stockholders Equity": "1.37", "ECR before LimitedLiability": "2.41", "Liabilities and Borrowings": "14.4", "Long-term Debt": "-0.309", "Deposits": "-4.96", "Other Revenues": "-0.560", "Revenues": "-0.560", "Net Income": "0.957", "Cash Deposits and Cash Equivalents": "-1.85", "Assets and Securities": "-3.78", "Other Assets": "-6.37", "Property, Plant and Equipment": "-0.600", "Goodwill": "0.598", "Comprehensive Net Income": "1.02", "Other Net Income": "1.65", "Labor Expense": "0.556", "Other Expenses": "-1.02", "Economic Capital Ratio": "2.36"}, "2018": {"Other Liabilities": "-24.5", "Liabilities": "-1.29", "Stockholders Equity": "1.35", "ECR before LimitedLiability": "3.76", "Liabilities and Borrowings": "16.0", "Deposits": "-7.05", "Property, Plant and Equipment": "-0.537", "Assets": "2.27", "Assets and Securities": "-2.01", "Other Assets": "-8.55", "Loans and Leases Receivable": "14.4", "Goodwill": "0.415", "Cash Deposits and Cash Equivalents": "-2.18", "Labor Expense": "2.11", "Expenses": "3.36", "Revenues": "-0.795", "Net Income": "2.37", "Other Noninterest Expense": "0.499", "Other Revenues": "-0.795", "Comprehensive Net Income": "2.71", "Economic Capital Ratio": "3.67"}, "2019": {"Liabilities": "-2.04", "Stockholders Equity": "1.08", "ECR before LimitedLiability": "1.61", "Deposits": "-7.03", "Other Liabilities": "-27.7", "Liabilities and Borrowings": "16.5", "Loans and Leases Receivable": "13.3", "Assets": "2.62", "Other Assets": "-5.94", "Property, Plant and Equipment": "-0.514", "Cash Deposits and Cash Equivalents": "-2.63", "Assets and Securities": "-2.13", "Expenses": "3.55", "Net Income": "1.55", "Labor Expense": "2.11", "Other Revenues": "-0.842", "Revenues": "-0.842", "Comprehensive Net Income": "1.10", "Other Compr. Net Income": "-0.448", "Other Net Income": "-1.16", "Economic Capital Ratio": "1.58"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "195,570", "Cash Deposits and Cash Equivalents": "153,747", "Deposits": "7,981,305", "Fees": "0", "Goodwill": "316,340", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "55,418", "Loans and Leases Receivable": "7,897,187", "Long-term Debt": "121,136", "Occupancy": "0", "Other Assets": "2,324,397", "Other Compr. Net Income": "-30,786", "Other Expenses": "70,435", "Other Liabilities": "1,372,456", "Other Net Income": "194,170", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "102,045"}, "output_variables": {"Liabilities": "9,530,315", "Assets": "10,989,286", "Expenses": "70,435", "Revenues": "0", "Stockholders Equity": "1,458,971", "Net Income": "123,735", "Comprehensive Net Income": "92,949", "BaseVar": "10,795,935", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2014": {"input_variables": {"Assets and Securities": "143,106", "Cash Deposits and Cash Equivalents": "176,830", "Deposits": "8,783,460", "Fees": "0", "Goodwill": "316,340", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "80,772", "Loans and Leases Receivable": "8,740,268", "Long-term Debt": "119,136", "Occupancy": "0", "Other Assets": "2,040,620", "Other Compr. Net Income": "-30,767", "Other Expenses": "87,022", "Other Liabilities": "930,590", "Other Net Income": "227,250", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "99,682"}, "output_variables": {"Liabilities": "9,913,958", "Assets": "11,516,846", "Expenses": "87,022", "Revenues": "0", "Stockholders Equity": "1,602,888", "Net Income": "140,228", "Comprehensive Net Income": "109,461", "BaseVar": "11,341,648", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2015": {"input_variables": {"Assets and Securities": "147,284", "Cash Deposits and Cash Equivalents": "180,130", "Deposits": "10,509,087", "Fees": "0", "Goodwill": "372,189", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "144,197", "Loans and Leases Receivable": "10,016,227", "Long-term Debt": "119,136", "Occupancy": "0", "Other Assets": "2,429,372", "Other Compr. Net Income": "17,743", "Other Expenses": "54,236", "Other Liabilities": "733,928", "Other Net Income": "221,465", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "108,924"}, "output_variables": {"Liabilities": "11,506,348", "Assets": "13,254,126", "Expenses": "54,236", "Revenues": "0", "Stockholders Equity": "1,747,778", "Net Income": "167,228", "Comprehensive Net Income": "184,972", "BaseVar": "12,912,839", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}, "2016": {"input_variables": {"Assets and Securities": "117,902", "Cash Deposits and Cash Equivalents": "218,017", "Deposits": "11,674,726", "Fees": "0", "Goodwill": "372,189", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "168,524", "Loans and Leases Receivable": "11,077,315", "Long-term Debt": "119,136", "Occupancy": "0", "Other Assets": "2,629,739", "Other Compr. Net Income": "-5.8", "Other Expenses": "68,200", "Other Liabilities": "729,844", "Other Net Income": "248,217", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "105,607"}, "output_variables": {"Liabilities": "12,692,230", "Assets": "14,520,769", "Expenses": "68,200", "Revenues": "0", "Stockholders Equity": "1,828,539", "Net Income": "180,017", "Comprehensive Net Income": "180,011", "BaseVar": "14,180,806", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2017": {"input_variables": {"Assets and Securities": "167,491", "Cash Deposits and Cash Equivalents": "247,056", "Deposits": "12,689,893", "Fees": "0", "Goodwill": "372,189", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "186,486", "Loans and Leases Receivable": "12,743,766", "Long-term Debt": "194,136", "Occupancy": "0", "Other Assets": "2,006,620", "Other Compr. Net Income": "3,371", "Other Expenses": "139,951", "Other Liabilities": "596,367", "Other Net Income": "318,485", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "103,064"}, "output_variables": {"Liabilities": "13,666,882", "Assets": "15,640,186", "Expenses": "139,951", "Revenues": "0", "Stockholders Equity": "1,973,304", "Net Income": "178,534", "Comprehensive Net Income": "181,905", "BaseVar": "15,491,715", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2018": {"input_variables": {"Assets and Securities": "1,417,928", "Cash Deposits and Cash Equivalents": "225,333", "Deposits": "13,702,340", "Fees": "0", "Goodwill": "372,189", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "182,618", "Loans and Leases Receivable": "13,871,832", "Long-term Debt": "189,448", "Occupancy": "0", "Other Assets": "794,266", "Other Compr. Net Income": "-1,779", "Other Expenses": "80,293", "Other Liabilities": "588,465", "Other Net Income": "355,579", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "103,189"}, "output_variables": {"Liabilities": "14,662,871", "Assets": "16,784,737", "Expenses": "80,293", "Revenues": "0", "Stockholders Equity": "2,121,866", "Net Income": "275,287", "Comprehensive Net Income": "273,507", "BaseVar": "16,518,141", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}, "2019": {"input_variables": {"Assets and Securities": "1,602,766", "Cash Deposits and Cash Equivalents": "177,240", "Deposits": "14,692,308", "Fees": "0", "Goodwill": "372,189", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "209,501", "Loans and Leases Receivable": "14,951,631", "Long-term Debt": "119,136", "Occupancy": "0", "Other Assets": "886,079", "Other Compr. Net Income": "2,961", "Other Expenses": "69,328", "Other Liabilities": "778,916", "Other Net Income": "354,656", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "104,239"}, "output_variables": {"Liabilities": "15,799,861", "Assets": "18,094,144", "Expenses": "69,328", "Revenues": "0", "Stockholders Equity": "2,294,283", "Net Income": "285,328", "Comprehensive Net Income": "288,289", "BaseVar": "17,721,907", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}}, "top_rated": false, "trend": -29.0, "value": 0.16838554668969294, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000861842.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000861842.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000861842.svg"}, {"company_id": "0001071236", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001071236.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001071236.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001071236.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001071236_256x256.png", "name": "RED River Bancshares INC", "rank": 46, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001071236.svg", "report_text": "The relative strengths and weaknesses of RED River 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 RED River Bancshares INC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 17% points.The greatest weakness of RED River Bancshares INC is the variable Loans and Leases Receivable, reducing the Economic Capital Ratio by 35% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 17%, being 1.5% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001071236_2020_RED_River_Bancshares_INC.pdf", "shrinked_graph_json": {"2019": {"Liabilities": "-2.39", "Stockholders Equity": "1.11", "ECR before LimitedLiability": "1.48", "Deposits": "-12.8", "Other Liabilities": "16.6", "Liabilities and Borrowings": "-26.0", "Loans and Leases Receivable": "-34.6", "Assets": "2.95", "Other Assets": "16.7", "Goodwill": "-1.20", "Property, Plant and Equipment": "0.606", "Cash Deposits and Cash Equivalents": "1.54", "Assets and Securities": "4.19", "Expenses": "3.93", "Revenues": "-0.838", "Comprehensive Net Income": "1.01", "Other Expenses": "0.616", "Labor Expense": "2.10", "Other Revenues": "-0.838", "Other Net Income": "-2.67", "Economic Capital Ratio": "1.46"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001071236_strength_weakness.svg", "table_records": {"2019": {"input_variables": {"Assets and Securities": "344,632", "Cash Deposits and Cash Equivalents": "133,292", "Deposits": "1,721,120", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,136,205", "Loans and Leases Receivable": "5,089", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,463,468", "Other Compr. Net Income": "7,482", "Other Expenses": "5,640", "Other Liabilities": "-1,120,998", "Other Net Income": "30,464", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "41,744"}, "output_variables": {"Liabilities": "1,736,327", "Assets": "1,988,225", "Expenses": "5,640", "Revenues": "0", "Stockholders Equity": "251,898", "Net Income": "24,824", "Comprehensive Net Income": "32,306", "BaseVar": "1,941,385", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}}, "top_rated": false, "trend": null, "value": 0.16712831264795697, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001071236.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001071236.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001071236.svg"}, {"company_id": "0001325670", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001325670.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 47, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 17% points.The greatest weakness of Primis Financial Corp is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 39% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 17%, being 1.4% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001325670_2020_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"}, "2013": {"Long-term Debt": "0.926", "Liabilities": "1.40", "Stockholders Equity": "4.08", "ECR before LimitedLiability": "5.39", "Liabilities and Borrowings": "-50.5", "Other Liabilities": "15.7", "Deposits": "-4.53", "Assets": "2.58", "Loans and Leases Receivable": "13.6", "Cash Deposits and Cash Equivalents": "-1.12", "Assets and Securities": "-3.79", "Other Assets": "-6.97", "Property, Plant and Equipment": "-0.499", "Expenses": "0.172", "Revenues": "-0.159", "Comprehensive Net Income": "1.48", "Other Expenses": "-0.259", "Labor Expense": "0.275", "Other Revenues": "-0.159", "Other Compr. Net Income": "1.42", "Economic Capital Ratio": "5.25"}, "2014": {"Assets": "1.35", "Stockholders Equity": "1.49", "ECR before LimitedLiability": "0.505", "Other Assets": "-6.69", "Property, Plant and Equipment": "-0.349", "Assets and Securities": "-3.88", "Loans and Leases Receivable": "11.2", "Expenses": "0.398", "Net Income": "-0.292", "Other Expenses": "-0.130", "Labor Expense": "0.323", "Other Revenues": "-0.293", "Revenues": "-0.293", "Deposits": "-7.51", "Long-term Debt": "1.28", "Liabilities and Borrowings": "-57.0", "Other Liabilities": "13.4", "Comprehensive Net Income": "-0.852", "Other Net Income": "-0.398", "Other Compr. Net Income": "-0.559", "Economic Capital Ratio": "0.471"}, "2015": {"Deposits": "-6.02", "Liabilities": "0.503", "Stockholders Equity": "0.942", "ECR before LimitedLiability": "2.05", "Long-term Debt": "1.20", "Other Liabilities": "13.8", "Liabilities and Borrowings": "-49.0", "Loans and Leases Receivable": "11.6", "Assets": "0.438", "Assets and Securities": "-3.63", "Property, Plant and Equipment": "-0.453", "Cash Deposits and Cash Equivalents": "-0.782", "Other Assets": "-7.53", "Expenses": "0.254", "Revenues": "-0.328", "Comprehensive Net Income": "1.13", "Other Expenses": "-0.259", "Labor Expense": "0.284", "Other Revenues": "-0.328", "Other Compr. Net Income": "1.18", "Economic Capital Ratio": "2.01"}, "2016": {"Liabilities and Borrowings": "-48.2", "Liabilities": "-0.601", "Stockholders Equity": "0.468", "ECR before LimitedLiability": "0.679", "Deposits": "-5.49", "Other Liabilities": "12.4", "Long-term Debt": "0.847", "Assets and Securities": "-4.33", "Assets": "0.941", "Property, Plant and Equipment": "-0.539", "Other Assets": "-7.11", "Goodwill": "-0.327", "Loans and Leases Receivable": "10.7", "Expenses": "0.644", "Revenues": "-0.505", "Comprehensive Net Income": "0.353", "Labor Expense": "0.446", "Other Revenues": "-0.505", "Other Net Income": "-0.329", "Other Compr. Net Income": "0.538", "Economic Capital Ratio": "0.636"}, "2017": {"Other Liabilities": "10.4", "Liabilities": "-1.25", "Stockholders Equity": "1.30", "ECR before LimitedLiability": "-1.84", "Liabilities and Borrowings": "-31.9", "Long-term Debt": "0.716", "Deposits": "1.84", "Loans and Leases Receivable": "8.80", "Assets": "2.23", "Cash Deposits and Cash Equivalents": "-2.22", "Assets and Securities": "-3.97", "Other Assets": "-4.83", "Goodwill": "1.65", "Expenses": "0.809", "Revenues": "-0.522", "Net Income": "-2.88", "Labor Expense": "0.511", "Other Revenues": "-0.522", "Comprehensive Net Income": "-2.89", "Other Net Income": "-3.19", "Economic Capital Ratio": "-1.89"}, "2018": {"Other Liabilities": "15.3", "Liabilities": "-1.79", "Stockholders Equity": "1.64", "ECR before LimitedLiability": "2.52", "Long-term Debt": "0.676", "Liabilities and Borrowings": "-39.9", "Deposits": "-3.84", "Assets": "2.98", "Assets and Securities": "-7.32", "Other Assets": "-2.86", "Loans and Leases Receivable": "13.1", "Goodwill": "1.60", "Cash Deposits and Cash Equivalents": "-2.37", "Labor Expense": "2.09", "Expenses": "3.44", "Revenues": "-0.788", "Net Income": "0.971", "Other Revenues": "-0.788", "Comprehensive Net Income": "1.28", "Other Net Income": "-1.71", "Economic Capital Ratio": "2.43"}, "2019": {"Long-term Debt": "0.575", "Liabilities": "-2.37", "Stockholders Equity": "2.23", "ECR before LimitedLiability": "1.47", "Deposits": "-5.27", "Other Liabilities": "16.7", "Liabilities and Borrowings": "-38.7", "Loans and Leases Receivable": "12.3", "Assets": "3.97", "Other Assets": "-4.25", "Goodwill": "1.58", "Cash Deposits and Cash Equivalents": "-2.45", "Assets and Securities": "-3.44", "Other Noninterest Expense": "0.439", "Expenses": "4.12", "Other Expenses": "0.832", "Labor Expense": "2.08", "Other Revenues": "-0.832", "Revenues": "-0.832", "Economic Capital Ratio": "1.44", "Other Net Income": "-2.92"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "5,462", "Cash Deposits and Cash Equivalents": "20,856", "Deposits": "540,359", "Fees": "0", "Goodwill": "9,160", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "500,133", "Loans and Leases Receivable": "538,968", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "135,415", "Other Compr. Net Income": "-209", "Other Expenses": "3,036", "Other Liabilities": "-430,921", "Other Net Income": "9,294", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "6,324"}, "output_variables": {"Liabilities": "609,571", "Assets": "716,185", "Expenses": "3,036", "Revenues": "0", "Stockholders Equity": "106,614", "Net Income": "6,258", "Comprehensive Net Income": "6,049", "BaseVar": "685,636", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}, "2014": {"input_variables": {"Assets and Securities": "5,791", "Cash Deposits and Cash Equivalents": "38,320", "Deposits": "742,425", "Fees": "0", "Goodwill": "10,514", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "679,062", "Loans and Leases Receivable": "696,058", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "156,509", "Other Compr. Net Income": "170", "Other Expenses": "3,754", "Other Liabilities": "-618,821", "Other Net Income": "11,237", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "9,453"}, "output_variables": {"Liabilities": "802,666", "Assets": "916,645", "Expenses": "3,754", "Revenues": "0", "Stockholders Equity": "113,979", "Net Income": "7,483", "Comprehensive Net Income": "7,653", "BaseVar": "887,173", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2015": {"input_variables": {"Assets and Securities": "6,143", "Cash Deposits and Cash Equivalents": "30,336", "Deposits": "825,294", "Fees": "0", "Goodwill": "10,514", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "748,321", "Loans and Leases Receivable": "821,004", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "159,228", "Other Compr. Net Income": "13,551", "Other Expenses": "4,700", "Other Liabilities": "-657,144", "Other Net Income": "13,977", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "8,882"}, "output_variables": {"Liabilities": "916,471", "Assets": "1,036,107", "Expenses": "4,700", "Revenues": "0", "Stockholders Equity": "119,636", "Net Income": "9,277", "Comprehensive Net Income": "22,829", "BaseVar": "1,034,782", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "18%"}}, "2016": {"input_variables": {"Assets and Securities": "7,966", "Cash Deposits and Cash Equivalents": "47,392", "Deposits": "912,982", "Fees": "0", "Goodwill": "10,514", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "832,316", "Loans and Leases Receivable": "921,805", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "146,539", "Other Compr. Net Income": "2,166", "Other Expenses": "5,126", "Other Liabilities": "-729,199", "Other Net Income": "15,475", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "8,227"}, "output_variables": {"Liabilities": "1,016,099", "Assets": "1,142,443", "Expenses": "5,126", "Revenues": "0", "Stockholders Equity": "126,344", "Net Income": "10,349", "Comprehensive Net Income": "12,515", "BaseVar": "1,120,592", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2017": {"input_variables": {"Assets and Securities": "18,399", "Cash Deposits and Cash Equivalents": "25,463", "Deposits": "1,865,156", "Fees": "0", "Goodwill": "100,606", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,564,546", "Loans and Leases Receivable": "2,052,931", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "381,065", "Other Compr. Net Income": "-311", "Other Expenses": "17,897", "Other Liabilities": "-1,138,222", "Other Net Income": "15,580", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "35,788"}, "output_variables": {"Liabilities": "2,291,480", "Assets": "2,614,252", "Expenses": "17,897", "Revenues": "0", "Stockholders Equity": "322,772", "Net Income": "-2,317", "Comprehensive Net Income": "-2,628", "BaseVar": "2,514,191", "ECR before LimitedLiability": "9.7%", "Economic Capital Ratio": "9.9%"}}, "2018": {"input_variables": {"Assets and Securities": "19,057", "Cash Deposits and Cash Equivalents": "28,611", "Deposits": "2,097,600", "Fees": "0", "Goodwill": "101,954", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,794,228", "Loans and Leases Receivable": "2,166,541", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "352,780", "Other Compr. Net Income": "-975", "Other Expenses": "10,471", "Other Liabilities": "-1,538,823", "Other Net Income": "46,005", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "32,352"}, "output_variables": {"Liabilities": "2,353,005", "Assets": "2,701,295", "Expenses": "10,471", "Revenues": "0", "Stockholders Equity": "348,290", "Net Income": "35,534", "Comprehensive Net Income": "34,559", "BaseVar": "2,631,425", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}, "2019": {"input_variables": {"Assets and Securities": "185,647", "Cash Deposits and Cash Equivalents": "31,928", "Deposits": "2,124,718", "Fees": "0", "Goodwill": "101,954", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,806,101", "Loans and Leases Receivable": "2,175,786", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "195,671", "Other Compr. Net Income": "1,333", "Other Expenses": "6,492", "Other Liabilities": "-1,585,890", "Other Net Income": "39,671", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "31,184"}, "output_variables": {"Liabilities": "2,344,929", "Assets": "2,722,170", "Expenses": "6,492", "Revenues": "0", "Stockholders Equity": "377,241", "Net Income": "33,180", "Comprehensive Net Income": "34,513", "BaseVar": "2,619,755", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}}, "top_rated": false, "trend": -22.0, "value": 0.16700740063192673, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001325670.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001325670.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001325670.svg"}, {"company_id": "0000946647", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000946647.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 48, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 Liabilities, increasing the Economic Capital Ratio by 16% points.The greatest weakness of Premier Financial CORP is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 37% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 16%, being 1.1% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000946647_2020_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"}, "2013": {"Long-term Debt": "0.915", "Liabilities": "0.807", "Stockholders Equity": "2.12", "ECR before LimitedLiability": "3.53", "Liabilities and Borrowings": "-42.5", "Other Liabilities": "13.8", "Deposits": "-8.81", "Goodwill": "1.33", "Assets": "1.28", "Loans and Leases Receivable": "-32.2", "Cash Deposits and Cash Equivalents": "2.92", "Assets and Securities": "2.68", "Other Assets": "13.8", "Property, Plant and Equipment": "0.167", "Net Income": "0.639", "Other Compr. Net Income": "0.868", "Comprehensive Net Income": "1.50", "Other Net Income": "0.637", "Other Expenses": "-0.271", "Labor Expense": "0.275", "Economic Capital Ratio": "3.38"}, "2014": {"Deposits": "-6.97", "Liabilities": "0.908", "Stockholders Equity": "1.77", "ECR before LimitedLiability": "2.57", "Other Liabilities": "15.5", "Liabilities and Borrowings": "-42.9", "Long-term Debt": "1.32", "Cash Deposits and Cash Equivalents": "0.800", "Assets": "0.855", "Other Assets": "15.5", "Assets and Securities": "4.23", "Goodwill": "1.24", "Loans and Leases Receivable": "-33.4", "Expenses": "0.372", "Revenues": "-0.297", "Net Income": "0.839", "Labor Expense": "0.328", "Other Revenues": "-0.297", "Comprehensive Net Income": "0.834", "Other Net Income": "0.763", "Economic Capital Ratio": "2.54"}, "2015": {"Deposits": "-6.37", "Liabilities": "1.02", "Stockholders Equity": "1.48", "ECR before LimitedLiability": "2.62", "Long-term Debt": "1.21", "Other Liabilities": "14.4", "Liabilities and Borrowings": "-36.0", "Loans and Leases Receivable": "-34.3", "Assets": "0.499", "Assets and Securities": "4.00", "Cash Deposits and Cash Equivalents": "-0.380", "Goodwill": "1.15", "Other Assets": "14.4", "Other Revenues": "-0.330", "Revenues": "-0.330", "Net Income": "0.932", "Comprehensive Net Income": "1.14", "Other Expenses": "-0.439", "Labor Expense": "0.285", "Other Net Income": "1.18", "Economic Capital Ratio": "2.58"}, "2016": {"Liabilities and Borrowings": "-32.9", "Liabilities": "0.517", "Assets": "0.524", "Stockholders Equity": "1.05", "ECR before LimitedLiability": "1.89", "Deposits": "-5.22", "Other Liabilities": "13.6", "Long-term Debt": "0.872", "Assets and Securities": "3.08", "Other Assets": "13.6", "Goodwill": "0.836", "Loans and Leases Receivable": "-35.0", "Other Expenses": "-0.323", "Expenses": "0.404", "Revenues": "-0.514", "Net Income": "0.793", "Labor Expense": "0.455", "Other Revenues": "-0.514", "Comprehensive Net Income": "0.875", "Other Net Income": "0.901", "Economic Capital Ratio": "1.84"}, "2017": {"Other Liabilities": "14.4", "Liabilities": "0.277", "Stockholders Equity": "1.33", "ECR before LimitedLiability": "2.06", "Liabilities and Borrowings": "-36.7", "Long-term Debt": "0.792", "Deposits": "-5.90", "Loans and Leases Receivable": "-35.4", "Assets": "0.982", "Cash Deposits and Cash Equivalents": "-0.204", "Assets and Securities": "2.84", "Other Assets": "14.4", "Goodwill": "1.29", "Expenses": "0.767", "Revenues": "-0.554", "Net Income": "0.802", "Labor Expense": "0.550", "Other Revenues": "-0.554", "Comprehensive Net Income": "0.840", "Other Net Income": "0.588", "Economic Capital Ratio": "2.02"}, "2018": {"Other Liabilities": "13.2", "Liabilities": "4.95", "Stockholders Equity": "0.481", "ECR before LimitedLiability": "0.450", "Long-term Debt": "0.726", "Liabilities and Borrowings": "-32.4", "Deposits": "-1.47", "Assets": "-4.00", "Assets and Securities": "-1.65", "Other Assets": "13.2", "Loans and Leases Receivable": "-36.9", "Goodwill": "0.971", "Cash Deposits and Cash Equivalents": "-1.21", "Labor Expense": "-4.09", "Expenses": "-6.85", "Net Income": "-1.06", "Other Net Income": "5.65", "Occupancy": "-0.661", "Other Noninterest Expense": "-1.72", "IT and Equipment Expense": "-0.710", "Comprehensive Net Income": "-0.822", "Economic Capital Ratio": "0.363"}, "2019": {"Long-term Debt": "0.578", "Liabilities": "-2.48", "Stockholders Equity": "0.761", "ECR before LimitedLiability": "1.11", "Deposits": "-8.60", "Other Liabilities": "16.3", "Liabilities and Borrowings": "-36.7", "Loans and Leases Receivable": "11.3", "Assets": "2.70", "Other Assets": "-7.05", "Goodwill": "0.906", "Cash Deposits and Cash Equivalents": "-0.621", "Assets and Securities": "-1.83", "Expenses": "3.78", "Revenues": "-0.839", "Net Income": "1.09", "Labor Expense": "2.10", "Other Revenues": "-0.839", "Comprehensive Net Income": "0.963", "Other Net Income": "-1.86", "Economic Capital Ratio": "1.08"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "206,220", "Cash Deposits and Cash Equivalents": "179,318", "Deposits": "1,735,792", "Fees": "0", "Goodwill": "61,525", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,404,017", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,651,488", "Other Compr. Net Income": "-3,729", "Other Expenses": "9,278", "Other Liabilities": "-1,274,808", "Other Net Income": "31,513", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "38,597"}, "output_variables": {"Liabilities": "1,865,001", "Assets": "2,137,148", "Expenses": "9,278", "Revenues": "0", "Stockholders Equity": "272,147", "Net Income": "22,235", "Comprehensive Net Income": "18,506", "BaseVar": "2,081,878", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2014": {"input_variables": {"Assets and Securities": "253,000", "Cash Deposits and Cash Equivalents": "112,936", "Deposits": "1,760,813", "Fees": "0", "Goodwill": "61,525", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,404,024", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,710,995", "Other Compr. Net Income": "-3,724", "Other Expenses": "9,131", "Other Liabilities": "-1,265,390", "Other Net Income": "34,079", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "40,496"}, "output_variables": {"Liabilities": "1,899,447", "Assets": "2,178,952", "Expenses": "9,131", "Revenues": "0", "Stockholders Equity": "279,505", "Net Income": "24,948", "Comprehensive Net Income": "21,224", "BaseVar": "2,124,383", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2015": {"input_variables": {"Assets and Securities": "251,265", "Cash Deposits and Cash Equivalents": "79,769", "Deposits": "1,836,137", "Fees": "0", "Goodwill": "61,798", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,440,064", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,866,678", "Other Compr. Net Income": "2,300", "Other Expenses": "12,024", "Other Liabilities": "-1,258,722", "Other Net Income": "39,348", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "38,166"}, "output_variables": {"Liabilities": "2,017,479", "Assets": "2,297,676", "Expenses": "12,024", "Revenues": "0", "Stockholders Equity": "280,197", "Net Income": "27,323", "Comprehensive Net Income": "29,623", "BaseVar": "2,254,993", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2016": {"input_variables": {"Assets and Securities": "268,655", "Cash Deposits and Cash Equivalents": "99,003", "Deposits": "1,981,628", "Fees": "0", "Goodwill": "61,798", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,522,424", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "2,011,183", "Other Compr. Net Income": "-2,302", "Other Expenses": "13,205", "Other Liabilities": "-1,319,473", "Other Net Income": "43,043", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "36,958"}, "output_variables": {"Liabilities": "2,184,579", "Assets": "2,477,597", "Expenses": "13,205", "Revenues": "0", "Stockholders Equity": "293,018", "Net Income": "29,839", "Comprehensive Net Income": "27,537", "BaseVar": "2,437,357", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2017": {"input_variables": {"Assets and Securities": "300,257", "Cash Deposits and Cash Equivalents": "113,693", "Deposits": "2,437,656", "Fees": "0", "Goodwill": "98,569", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,899,451", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "2,440,667", "Other Compr. Net Income": "-1,411", "Other Expenses": "17,847", "Other Liabilities": "-1,716,990", "Other Net Income": "51,610", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "40,217"}, "output_variables": {"Liabilities": "2,620,117", "Assets": "2,993,403", "Expenses": "17,847", "Revenues": "0", "Stockholders Equity": "373,286", "Net Income": "33,763", "Comprehensive Net Income": "32,352", "BaseVar": "2,935,386", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2018": {"input_variables": {"Assets and Securities": "317,967", "Cash Deposits and Cash Equivalents": "98,962", "Deposits": "2,620,882", "Fees": "1,021", "Goodwill": "98,569", "IT and Equipment Expense": "8,555", "Labor Expense": "52,566", "Liabilities and Borrowings": "2,044,006", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "8,641", "Other Assets": "2,625,554", "Other Compr. Net Income": "-1,394", "Other Expenses": "10,721", "Other Liabilities": "-1,882,755", "Other Net Income": "485,060", "Other Noninterest Expense": "18,629", "Other Revenues": "4,456", "Property, Plant and Equipment": "40,670"}, "output_variables": {"Liabilities": "2,782,133", "Assets": "3,181,722", "Expenses": "100,133", "Revenues": "4,456", "Stockholders Equity": "399,589", "Net Income": "389,384", "Comprehensive Net Income": "387,990", "BaseVar": "4,054,671", "ECR before LimitedLiability": "58%", "Economic Capital Ratio": "58%"}}, "2019": {"input_variables": {"Assets and Securities": "321,935", "Cash Deposits and Cash Equivalents": "131,254", "Deposits": "2,870,325", "Fees": "1,002", "Goodwill": "100,069", "IT and Equipment Expense": "8,396", "Labor Expense": "51,589", "Liabilities and Borrowings": "2,281,925", "Loans and Leases Receivable": "2,764,329", "Long-term Debt": "0", "Occupancy": "8,480", "Other Assets": "111,842", "Other Compr. Net Income": "1,452", "Other Expenses": "11,237", "Other Liabilities": "-2,109,425", "Other Net Income": "86,685", "Other Noninterest Expense": "18,283", "Other Revenues": "4,373", "Property, Plant and Equipment": "39,563"}, "output_variables": {"Liabilities": "3,042,825", "Assets": "3,468,992", "Expenses": "98,988", "Revenues": "4,373", "Stockholders Equity": "426,167", "Net Income": "-7,930", "Comprehensive Net Income": "-6,478", "BaseVar": "3,603,477", "ECR before LimitedLiability": "9.4%", "Economic Capital Ratio": "9.5%"}}}, "top_rated": false, "trend": 12.0, "value": 0.16335113789873856, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000946647.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000946647.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000946647.svg"}, {"company_id": "0000835324", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000835324.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 49, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 16% points.The greatest weakness of Stock Yards Bancorp Inc is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 34% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 16%, being 1.0% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000835324_2020_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"}, "2013": {"Long-term Debt": "0.865", "Liabilities": "-0.241", "Stockholders Equity": "-0.578", "ECR before LimitedLiability": "0.637", "Liabilities and Borrowings": "-40.8", "Other Liabilities": "10.9", "Deposits": "-8.57", "Goodwill": "-0.813", "Assets": "-0.326", "Loans and Leases Receivable": "8.69", "Cash Deposits and Cash Equivalents": "-2.29", "Assets and Securities": "-2.93", "Other Assets": "-4.33", "Other Revenues": "-0.155", "Revenues": "-0.155", "Net Income": "0.882", "Other Compr. Net Income": "0.326", "Comprehensive Net Income": "1.20", "Other Net Income": "0.974", "Other Expenses": "-0.361", "Labor Expense": "0.267", "Economic Capital Ratio": "0.489"}, "2014": {"Deposits": "-6.98", "Liabilities": "0.456", "Stockholders Equity": "-0.644", "ECR before LimitedLiability": "1.12", "Other Liabilities": "14.1", "Liabilities and Borrowings": "-39.5", "Long-term Debt": "1.31", "Cash Deposits and Cash Equivalents": "-0.959", "Assets": "-0.961", "Other Assets": "-3.93", "Assets and Securities": "-3.09", "Goodwill": "-0.866", "Loans and Leases Receivable": "7.71", "Other Revenues": "-0.299", "Revenues": "-0.299", "Net Income": "1.66", "Other Net Income": "2.20", "Comprehensive Net Income": "1.65", "Other Expenses": "-0.794", "Labor Expense": "0.331", "Economic Capital Ratio": "1.08"}, "2015": {"Deposits": "-9.11", "Liabilities": "0.623", "Assets": "-0.814", "Stockholders Equity": "-0.315", "ECR before LimitedLiability": "1.37", "Long-term Debt": "1.20", "Other Liabilities": "13.1", "Liabilities and Borrowings": "-36.9", "Loans and Leases Receivable": "6.44", "Assets and Securities": "-2.94", "Goodwill": "-0.853", "Other Assets": "-3.35", "Expenses": "-0.287", "Revenues": "-0.330", "Net Income": "1.49", "Other Expenses": "-0.804", "Labor Expense": "0.286", "Other Revenues": "-0.330", "Comprehensive Net Income": "1.59", "Other Net Income": "2.09", "Economic Capital Ratio": "1.33"}, "2016": {"Other Expenses": "-0.255", "Expenses": "0.472", "Net Income": "1.45", "Labor Expense": "0.455", "Other Revenues": "-0.514", "Revenues": "-0.514", "Liabilities and Borrowings": "-32.6", "Stockholders Equity": "-0.247", "ECR before LimitedLiability": "1.53", "Comprehensive Net Income": "1.79", "Long-term Debt": "0.869", "Cash Deposits and Cash Equivalents": "-1.97", "Other Assets": "-2.07", "Other Liabilities": "13.3", "Goodwill": "-1.01", "Loans and Leases Receivable": "8.04", "Assets and Securities": "-3.72", "Deposits": "-7.30", "Other Compr. Net Income": "0.343", "Other Net Income": "1.49", "Economic Capital Ratio": "1.49"}, "2017": {"Other Liabilities": "12.8", "Liabilities": "-0.652", "Loans and Leases Receivable": "6.30", "Stockholders Equity": "-0.550", "ECR before LimitedLiability": "0.464", "Liabilities and Borrowings": "-31.2", "Long-term Debt": "0.777", "Deposits": "-3.16", "Expenses": "0.830", "Net Income": "1.10", "Labor Expense": "0.546", "Other Revenues": "-0.551", "Revenues": "-0.551", "Cash Deposits and Cash Equivalents": "0.127", "Assets and Securities": "-3.50", "Other Assets": "-1.89", "Property, Plant and Equipment": "-0.140", "Goodwill": "-1.16", "Comprehensive Net Income": "1.09", "Other Net Income": "0.825", "Economic Capital Ratio": "0.415"}, "2018": {"Other Liabilities": "15.2", "Liabilities": "-1.99", "ECR before LimitedLiability": "2.43", "Long-term Debt": "0.682", "Liabilities and Borrowings": "-36.0", "Deposits": "-9.21", "Assets": "1.63", "Assets and Securities": "2.47", "Other Assets": "-10.7", "Loans and Leases Receivable": "10.1", "Goodwill": "-1.21", "Cash Deposits and Cash Equivalents": "1.20", "Labor Expense": "2.11", "Expenses": "3.47", "Net Income": "2.55", "Occupancy": "0.355", "Other Noninterest Expense": "0.498", "Other Revenues": "-0.795", "Revenues": "-0.795", "Comprehensive Net Income": "2.72", "Economic Capital Ratio": "2.35"}, "2019": {"Long-term Debt": "0.580", "Liabilities": "-2.92", "ECR before LimitedLiability": "1.07", "Deposits": "-9.17", "Other Liabilities": "16.3", "Liabilities and Borrowings": "-33.6", "Loans and Leases Receivable": "8.42", "Assets": "1.94", "Other Assets": "-8.08", "Goodwill": "-0.967", "Cash Deposits and Cash Equivalents": "1.49", "Assets and Securities": "1.53", "Expenses": "4.05", "Net Income": "2.38", "Other Expenses": "0.734", "Labor Expense": "2.11", "Other Revenues": "-0.842", "Revenues": "-0.842", "Comprehensive Net Income": "2.10", "Other Net Income": "-0.847", "Economic Capital Ratio": "1.04"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "51,824", "Cash Deposits and Cash Equivalents": "34,519", "Deposits": "1,980,937", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,584,101", "Loans and Leases Receivable": "1,692,828", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "570,278", "Other Compr. Net Income": "-7,638", "Other Expenses": "11,228", "Other Liabilities": "-1,405,220", "Other Net Income": "38,398", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "39,813"}, "output_variables": {"Liabilities": "2,159,818", "Assets": "2,389,262", "Expenses": "11,228", "Revenues": "0", "Stockholders Equity": "229,444", "Net Income": "27,170", "Comprehensive Net Income": "19,532", "BaseVar": "2,378,474", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2014": {"input_variables": {"Assets and Securities": "47,672", "Cash Deposits and Cash Equivalents": "74,241", "Deposits": "2,123,627", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,626,114", "Loans and Leases Receivable": "1,843,630", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "559,237", "Other Compr. Net Income": "-7,588", "Other Expenses": "16,909", "Other Liabilities": "-1,445,768", "Other Net Income": "52,267", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "39,088"}, "output_variables": {"Liabilities": "2,303,973", "Assets": "2,563,868", "Expenses": "16,909", "Revenues": "0", "Stockholders Equity": "259,895", "Net Income": "35,358", "Comprehensive Net Income": "27,770", "BaseVar": "2,573,248", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2015": {"input_variables": {"Assets and Securities": "46,216", "Cash Deposits and Cash Equivalents": "103,833", "Deposits": "2,371,702", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,815,916", "Loans and Leases Receivable": "2,010,566", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "616,629", "Other Compr. Net Income": "1,292", "Other Expenses": "17,671", "Other Liabilities": "-1,657,336", "Other Net Income": "54,990", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "39,557"}, "output_variables": {"Liabilities": "2,530,282", "Assets": "2,816,801", "Expenses": "17,671", "Revenues": "0", "Stockholders Equity": "286,519", "Net Income": "37,318", "Comprehensive Net Income": "38,611", "BaseVar": "2,807,766", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "14%"}}, "2016": {"input_variables": {"Assets and Securities": "49,377", "Cash Deposits and Cash Equivalents": "47,973", "Deposits": "2,520,548", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,879,265", "Loans and Leases Receivable": "2,281,368", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "618,379", "Other Compr. Net Income": "-1,863", "Other Expenses": "14,622", "Other Liabilities": "-1,674,204", "Other Net Income": "56,752", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "42,384"}, "output_variables": {"Liabilities": "2,725,609", "Assets": "3,039,481", "Expenses": "14,622", "Revenues": "0", "Stockholders Equity": "313,872", "Net Income": "42,130", "Comprehensive Net Income": "40,267", "BaseVar": "3,015,471", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2017": {"input_variables": {"Assets and Securities": "48,506", "Cash Deposits and Cash Equivalents": "139,248", "Deposits": "2,578,295", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,949,790", "Loans and Leases Receivable": "2,384,685", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "625,552", "Other Compr. Net Income": "-1,106", "Other Expenses": "17,695", "Other Liabilities": "-1,622,083", "Other Net Income": "54,943", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "41,655"}, "output_variables": {"Liabilities": "2,906,002", "Assets": "3,239,646", "Expenses": "17,695", "Revenues": "0", "Stockholders Equity": "333,644", "Net Income": "37,247", "Comprehensive Net Income": "36,141", "BaseVar": "3,206,669", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2018": {"input_variables": {"Assets and Securities": "483,906", "Cash Deposits and Cash Equivalents": "198,939", "Deposits": "2,794,356", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,130,121", "Loans and Leases Receivable": "2,522,637", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "52,678", "Other Compr. Net Income": "-1,790", "Other Expenses": "11,339", "Other Liabilities": "-1,988,053", "Other Net Income": "70,057", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "44,764"}, "output_variables": {"Liabilities": "2,936,424", "Assets": "3,302,924", "Expenses": "11,339", "Revenues": "0", "Stockholders Equity": "366,500", "Net Income": "58,718", "Comprehensive Net Income": "56,928", "BaseVar": "3,270,657", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}, "2019": {"input_variables": {"Assets and Securities": "521,677", "Cash Deposits and Cash Equivalents": "249,724", "Deposits": "3,133,938", "Fees": "0", "Goodwill": "12,513", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,384,050", "Loans and Leases Receivable": "2,818,225", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "63,440", "Other Compr. Net Income": "1,991", "Other Expenses": "9,003", "Other Liabilities": "-2,200,088", "Other Net Income": "78,002", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "58,618"}, "output_variables": {"Liabilities": "3,317,900", "Assets": "3,724,197", "Expenses": "9,003", "Revenues": "0", "Stockholders Equity": "406,297", "Net Income": "68,999", "Comprehensive Net Income": "70,989", "BaseVar": "3,682,574", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}}, "top_rated": false, "trend": -21.0, "value": 0.16296697978512667, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000835324.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000835324.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000835324.svg"}, {"company_id": "0000706129", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000706129.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 50, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 16% points.The greatest weakness of Horizon Bancorp INC IN is the variable Loans and Leases Receivable, reducing the Economic Capital Ratio by 35% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 16%, being 1.00% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000706129_2020_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"}, "2013": {"Long-term Debt": "0.816", "Liabilities": "-0.138", "Stockholders Equity": "-0.775", "ECR before LimitedLiability": "-0.653", "Liabilities and Borrowings": "-33.4", "Other Liabilities": "9.64", "Deposits": "0.225", "Assets": "-0.599", "Loans and Leases Receivable": "-33.2", "Cash Deposits and Cash Equivalents": "-2.00", "Assets and Securities": "-3.45", "Other Assets": "9.65", "Property, Plant and Equipment": "0.692", "Expenses": "0.304", "Revenues": "-0.149", "Net Income": "0.801", "Labor Expense": "0.255", "Other Revenues": "-0.149", "Other Net Income": "0.649", "Economic Capital Ratio": "-0.800", "Other Compr. Net Income": "-0.731"}, "2014": {"Deposits": "2.16", "Liabilities": "-1.47", "Stockholders Equity": "-1.11", "ECR before LimitedLiability": "-1.43", "Other Liabilities": "11.3", "Liabilities and Borrowings": "-33.8", "Long-term Debt": "1.22", "Cash Deposits and Cash Equivalents": "-1.49", "Assets": "0.226", "Other Assets": "11.5", "Property, Plant and Equipment": "0.728", "Assets and Securities": "-3.26", "Loans and Leases Receivable": "-34.1", "Expenses": "0.826", "Revenues": "-0.287", "Comprehensive Net Income": "-0.164", "Other Expenses": "0.315", "Labor Expense": "0.316", "Other Revenues": "-0.287", "Other Net Income": "-0.677", "Economic Capital Ratio": "-1.46"}, "2015": {"Deposits": "1.56", "Liabilities": "-1.08", "ECR before LimitedLiability": "-0.890", "Long-term Debt": "1.11", "Other Liabilities": "10.6", "Liabilities and Borrowings": "-30.3", "Loans and Leases Receivable": "-34.7", "Assets": "0.712", "Assets and Securities": "-3.17", "Property, Plant and Equipment": "0.596", "Cash Deposits and Cash Equivalents": "-1.55", "Goodwill": "0.527", "Other Assets": "10.9", "Expenses": "0.876", "Net Income": "-0.481", "Other Expenses": "0.397", "Other Revenues": "-0.314", "Revenues": "-0.314", "Comprehensive Net Income": "-0.513", "Other Net Income": "-1.06", "Economic Capital Ratio": "-0.930"}, "2016": {"Liabilities and Borrowings": "-35.4", "Liabilities": "-1.16", "ECR before LimitedLiability": "-0.560", "Deposits": "-4.61", "Other Liabilities": "11.2", "Long-term Debt": "0.816", "Assets and Securities": "-3.80", "Assets": "1.29", "Property, Plant and Equipment": "0.488", "Other Assets": "11.2", "Goodwill": "0.795", "Loans and Leases Receivable": "-35.2", "Cash Deposits and Cash Equivalents": "-1.43", "Other Expenses": "0.538", "Expenses": "1.22", "Net Income": "-0.693", "Other Revenues": "-0.494", "Revenues": "-0.494", "Comprehensive Net Income": "-0.691", "Other Net Income": "-1.45", "Economic Capital Ratio": "-0.603"}, "2017": {"Other Liabilities": "12.2", "Liabilities": "-0.937", "Stockholders Equity": "0.596", "ECR before LimitedLiability": "0.502", "Liabilities and Borrowings": "-29.5", "Long-term Debt": "0.769", "Deposits": "1.75", "Loans and Leases Receivable": "-35.5", "Assets": "1.34", "Cash Deposits and Cash Equivalents": "-1.56", "Assets and Securities": "-3.77", "Other Assets": "12.9", "Property, Plant and Equipment": "0.338", "Goodwill": "1.09", "Expenses": "1.37", "Other Expenses": "0.520", "Labor Expense": "0.540", "Other Revenues": "-0.545", "Revenues": "-0.545", "Economic Capital Ratio": "0.453", "Other Net Income": "-0.953"}, "2018": {"Other Liabilities": "13.1", "Liabilities": "-2.68", "Stockholders Equity": "0.530", "ECR before LimitedLiability": "1.19", "Long-term Debt": "0.666", "Liabilities and Borrowings": "-30.0", "Assets": "2.70", "Assets and Securities": "-7.20", "Other Assets": "13.9", "Loans and Leases Receivable": "-34.2", "Goodwill": "0.876", "Cash Deposits and Cash Equivalents": "-1.89", "Labor Expense": "2.07", "Expenses": "3.80", "Revenues": "-0.784", "Net Income": "0.960", "Other Expenses": "0.499", "Other Revenues": "-0.784", "Comprehensive Net Income": "1.10", "Other Net Income": "-2.13", "Economic Capital Ratio": "1.10"}, "2019": {"Long-term Debt": "0.576", "Liabilities": "-2.68", "Stockholders Equity": "0.989", "ECR before LimitedLiability": "1.03", "Deposits": "-1.44", "Other Liabilities": "15.5", "Liabilities and Borrowings": "-32.5", "Loans and Leases Receivable": "-34.8", "Assets": "3.08", "Other Assets": "16.3", "Goodwill": "0.912", "Cash Deposits and Cash Equivalents": "-1.86", "Assets and Securities": "-7.29", "Expenses": "4.03", "Revenues": "-0.836", "Comprehensive Net Income": "0.714", "Other Expenses": "0.729", "Labor Expense": "2.09", "Other Revenues": "-0.836", "Other Net Income": "-2.70", "Economic Capital Ratio": "0.999"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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. 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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 15% points.The greatest weakness of Enterprise Financial Services CORP 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 16%, being 0.72% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001025835_2020_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"}, "2013": {"Long-term Debt": "0.820", "Liabilities": "-0.438", "Stockholders Equity": "-1.20", "ECR before LimitedLiability": "-0.563", "Liabilities and Borrowings": "9.21", "Other Liabilities": "-15.7", "Deposits": "-5.26", "Assets": "-0.727", "Loans and Leases Receivable": "7.56", "Cash Deposits and Cash Equivalents": "1.37", "Assets and Securities": "4.53", "Other Assets": "-15.0", "Property, Plant and Equipment": "-0.741", "Expenses": "-0.163", "Revenues": "-0.150", "Net Income": "0.504", "Other Expenses": "-0.573", "Labor Expense": "0.256", "Other Revenues": "-0.150", "Comprehensive Net Income": "0.598", "Other Net Income": "0.806", "Economic Capital Ratio": "-0.711"}, "2014": {"Deposits": "-1.53", "Liabilities": "-0.994", "Cash Deposits and Cash Equivalents": "-0.789", "Stockholders Equity": "-0.906", "ECR before LimitedLiability": "-1.24", "Other Liabilities": "-19.2", "Liabilities and Borrowings": "10.1", "Long-term Debt": "1.24", "Expenses": "0.369", "Net Income": "-0.296", "Labor Expense": "0.318", "Other Revenues": "-0.289", "Revenues": "-0.289", "Other Assets": "-13.2", "Property, Plant and Equipment": "-0.787", "Assets and Securities": "4.27", "Goodwill": "-0.178", "Loans and Leases Receivable": "9.55", "Comprehensive Net Income": "-0.228", "Other Net Income": "-0.378", "Economic Capital Ratio": "-1.27"}, "2015": {"Loans and Leases Receivable": "9.57", "Assets": "-0.490", "Deposits": "-2.73", "Stockholders Equity": "-0.632", "Economic Capital Ratio": "0.0253", "Assets and Securities": "4.73", "Property, Plant and Equipment": "-0.788", "Cash Deposits and Cash Equivalents": "-1.04", "Goodwill": "-0.232", "Other Assets": "-13.4", "Expenses": "-0.111", "Revenues": "-0.324", "Net Income": "0.540", "Other Expenses": "-0.618", "Labor Expense": "0.280", "Other Revenues": "-0.324", "Other Liabilities": "-19.3", "Liabilities and Borrowings": "10.8", "Long-term Debt": "1.16", "Comprehensive Net Income": "0.676", "Other Net Income": "0.969", "Other Compr. 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Net Income": "0.423", "Comprehensive Net Income": "1.25", "Other Expenses": "-0.751", "Other Net Income": "1.36", "Labor Expense": "0.450"}, "2017": {"Other Liabilities": "-23.8", "Liabilities": "-0.389", "Stockholders Equity": "-0.508", "ECR before LimitedLiability": "-0.563", "Liabilities and Borrowings": "11.4", "Long-term Debt": "0.764", "Deposits": "-2.06", "Loans and Leases Receivable": "7.67", "Assets": "-0.135", "Cash Deposits and Cash Equivalents": "-0.907", "Assets and Securities": "4.07", "Other Assets": "-11.3", "Property, Plant and Equipment": "-0.633", "Goodwill": "0.465", "Other Revenues": "-0.547", "Revenues": "-0.547", "Other Compr. Net Income": "-0.111", "Economic Capital Ratio": "-0.612", "Labor Expense": "0.540", "Other Net Income": "0.549", "Other Expenses": "-0.765"}, "2018": {"Other Liabilities": "-24.0", "Liabilities": "-2.59", "ECR before LimitedLiability": "1.69", "Long-term Debt": "0.674", "Liabilities and Borrowings": "13.8", "Deposits": "-6.14", "Property, Plant and Equipment": "-0.578", "Assets": "1.86", "Assets and Securities": "1.10", "Other Assets": "-8.60", "Loans and Leases Receivable": "9.98", "Cash Deposits and Cash Equivalents": "-0.661", "Labor Expense": "2.09", "Expenses": "3.76", "Net Income": "2.16", "Other Noninterest Expense": "0.495", "Other Revenues": "-0.790", "Revenues": "-0.790", "Comprehensive Net Income": "2.33", "Other Net Income": "-0.851", "Economic Capital Ratio": "1.60"}, "2019": {"Long-term Debt": "0.577", "Liabilities": "-2.71", "ECR before LimitedLiability": "0.749", "Deposits": "-4.44", "Other Liabilities": "-28.9", "Liabilities and Borrowings": "15.3", "Loans and Leases Receivable": "6.08", "Assets": "2.53", "Comprehensive Net Income": "1.01", "Other Assets": "-4.75", "Goodwill": "0.891", "Cash Deposits and Cash Equivalents": "-1.71", "Assets and Securities": "2.72", "Expenses": "3.80", "Revenues": "-0.839", "Other Expenses": "0.492", "Labor Expense": "2.10", "Other Revenues": "-0.839", "Other Compr. 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Net Income": "-12,170", "Other Expenses": "16,976", "Other Liabilities": "124,038", "Other Net Income": "50,080", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "18,180"}, "output_variables": {"Liabilities": "2,890,492", "Assets": "3,170,197", "Expenses": "16,976", "Revenues": "0", "Stockholders Equity": "279,705", "Net Income": "33,104", "Comprehensive Net Income": "20,934", "BaseVar": "3,174,140", "ECR before LimitedLiability": "9.6%", "Economic Capital Ratio": "9.7%"}}, "2014": {"input_variables": {"Assets and Securities": "400,146", "Cash Deposits and Cash Equivalents": "100,696", "Deposits": "2,491,510", "Fees": "0", "Goodwill": "30,334", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "261,902", "Loans and Leases Receivable": "2,487,424", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "243,650", "Other Compr. Net Income": "6,061", "Other Expenses": "13,871", "Other Liabilities": "207,350", "Other Net Income": "41,044", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "14,753"}, "output_variables": {"Liabilities": "2,960,762", "Assets": "3,277,003", "Expenses": "13,871", "Revenues": "0", "Stockholders Equity": "316,241", "Net Income": "27,173", "Comprehensive Net Income": "33,234", "BaseVar": "3,229,554", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2015": {"input_variables": {"Assets and Securities": "451,770", "Cash Deposits and Cash Equivalents": "94,157", "Deposits": "2,784,591", "Fees": "0", "Goodwill": "30,334", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "305,627", "Loans and Leases Receivable": "2,781,879", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "235,501", "Other Compr. Net Income": "3,141", "Other Expenses": "20,477", "Other Liabilities": "167,436", "Other Net Income": "59,482", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "14,842"}, "output_variables": {"Liabilities": "3,257,654", "Assets": "3,608,483", "Expenses": "20,477", "Revenues": "0", "Stockholders Equity": "350,829", "Net Income": "39,005", "Comprehensive Net Income": "42,146", "BaseVar": "3,583,895", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2016": {"input_variables": {"Assets and Securities": "460,797", "Cash Deposits and Cash Equivalents": "198,802", "Deposits": "3,233,361", "Fees": "0", "Goodwill": "30,334", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "354,224", "Loans and Leases Receivable": "3,114,752", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "261,733", "Other Compr. Net Income": "-1,700", "Other Expenses": "27,695", "Other Liabilities": "106,645", "Other Net Income": "78,445", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "14,910"}, "output_variables": {"Liabilities": "3,694,230", "Assets": "4,081,328", "Expenses": "27,695", "Revenues": "0", "Stockholders Equity": "387,098", "Net Income": "50,750", "Comprehensive Net Income": "49,049", "BaseVar": "4,083,508", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2017": {"input_variables": {"Assets and Securities": "641,382", "Cash Deposits and Cash Equivalents": "153,323", "Deposits": "4,156,414", "Fees": "0", "Goodwill": "117,345", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "291,660", "Loans and Leases Receivable": "4,054,473", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "290,084", "Other Compr. Net Income": "-2,015", "Other Expenses": "48,474", "Other Liabilities": "292,578", "Other Net Income": "90,158", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "32,618"}, "output_variables": {"Liabilities": "4,740,652", "Assets": "5,289,225", "Expenses": "48,474", "Revenues": "0", "Stockholders Equity": "548,573", "Net Income": "41,684", "Comprehensive Net Income": "39,669", "BaseVar": "5,270,212", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2018": {"input_variables": {"Assets and Securities": "721,369", "Cash Deposits and Cash Equivalents": "196,552", "Deposits": "4,587,985", "Fees": "0", "Goodwill": "117,345", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "261,740", "Loans and Leases Receivable": "4,306,525", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "271,762", "Other Compr. Net Income": "-3,300", "Other Expenses": "21,470", "Other Liabilities": "192,133", "Other Net Income": "112,523", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "32,109"}, "output_variables": {"Liabilities": "5,041,858", "Assets": "5,645,662", "Expenses": "21,470", "Revenues": "0", "Stockholders Equity": "603,804", "Net Income": "91,052", "Comprehensive Net Income": "87,752", "BaseVar": "5,592,947", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2019": {"input_variables": {"Assets and Securities": "1,135,317", "Cash Deposits and Cash Equivalents": "167,256", "Deposits": "5,771,023", "Fees": "0", "Goodwill": "210,344", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "297,633", "Loans and Leases Receivable": "5,271,049", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "489,812", "Other Compr. Net Income": "5,884", "Other Expenses": "21,220", "Other Liabilities": "397,950", "Other Net Income": "121,978", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "60,013"}, "output_variables": {"Liabilities": "6,466,606", "Assets": "7,333,791", "Expenses": "21,220", "Revenues": "0", "Stockholders Equity": "867,185", "Net Income": "100,758", "Comprehensive Net Income": "106,642", "BaseVar": "7,170,782", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}}, "top_rated": false, "trend": -11.0, "value": 0.15978539779398068, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001025835.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001025835.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001025835.svg"}, {"company_id": "0001042729", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001042729.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 52, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 Liabilities and Borrowings, increasing the Economic Capital Ratio by 16% points.The greatest weakness of Mercantile BANK CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 41% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 16%, being 0.62% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001042729_2020_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"}, "2014": {"Deposits": "-5.24", "Liabilities": "-0.957", "Stockholders Equity": "0.599", "ECR before LimitedLiability": "-0.617", "Other Liabilities": "-23.3", "Liabilities and Borrowings": "12.0", "Long-term Debt": "1.24", "Cash Deposits and Cash Equivalents": "1.40", "Assets": "1.36", "Other Assets": "-6.07", "Assets and Securities": "-3.51", "Goodwill": "0.415", "Loans and Leases Receivable": "8.15", "Expenses": "0.909", "Revenues": "-0.289", "Net Income": "-1.12", "Other Expenses": "0.392", "Labor Expense": "0.318", "Other Revenues": "-0.289", "Comprehensive Net Income": "-1.00", "Other Net Income": "-1.75", "Economic Capital Ratio": "-0.652"}, "2015": {"Deposits": "-5.06", "Liabilities": "0.125", "Stockholders Equity": "0.932", "ECR before LimitedLiability": "1.41", "Long-term Debt": "1.18", "Other Liabilities": "-25.7", "Liabilities and Borrowings": "13.0", "Loans and Leases Receivable": "10.9", "Assets": "0.752", "Assets and Securities": "-3.33", "Property, Plant and Equipment": "0.111", "Cash Deposits and Cash Equivalents": "-0.647", "Goodwill": "0.419", "Other Assets": "-7.95", "Expenses": "0.411", "Revenues": "-0.326", "Comprehensive Net Income": "0.551", "Labor Expense": "0.282", "Other Revenues": "-0.326", "Other Compr. Net Income": "0.453", "Economic Capital Ratio": "1.37"}, "2016": {"Assets and Securities": "-4.18", "Assets": "0.372", "Long-term Debt": "0.849", "Stockholders Equity": "0.399", "Net Income": "0.287", "ECR before LimitedLiability": "0.398", "Other Assets": "-6.84", "Goodwill": "0.170", "Loans and Leases Receivable": "9.11", "Cash Deposits and Cash Equivalents": "1.25", "Other Expenses": "-0.206", "Expenses": "0.511", "Labor Expense": "0.448", "Other Revenues": "-0.508", "Revenues": "-0.508", "Other Liabilities": "-30.1", "Liabilities and Borrowings": "12.1", "Deposits": "-2.30", "Other Net Income": "0.281", "Economic Capital Ratio": "0.354", "Other Compr. Net Income": "-0.237"}, "2017": {"Other Liabilities": "-31.7", "Liabilities": "-0.749", "Assets": "0.828", "ECR before LimitedLiability": "0.574", "Liabilities and Borrowings": "12.8", "Long-term Debt": "0.774", "Deposits": "-1.33", "Loans and Leases Receivable": "8.84", "Cash Deposits and Cash Equivalents": "1.49", "Assets and Securities": "-3.90", "Other Assets": "-6.27", "Expenses": "1.10", "Net Income": "0.304", "Other Expenses": "0.243", "Labor Expense": "0.543", "Other Revenues": "-0.548", "Revenues": "-0.548", "Comprehensive Net Income": "0.519", "Other Compr. Net Income": "0.215", "Other Net Income": "-0.255", "Economic Capital Ratio": "0.525"}, "2018": {"Other Liabilities": "-38.9", "Liabilities": "-2.74", "Assets": "2.40", "ECR before LimitedLiability": "0.762", "Long-term Debt": "0.664", "Liabilities and Borrowings": "13.4", "Deposits": "0.716", "Other Assets": "-9.95", "Loans and Leases Receivable": "11.9", "Cash Deposits and Cash Equivalents": "-1.55", "Labor Expense": "2.07", "Expenses": "3.62", "Net Income": "0.934", "Occupancy": "0.350", "Other Noninterest Expense": "0.490", "Other Expenses": "0.329", "Other Revenues": "-0.784", "Revenues": "-0.784", "Comprehensive Net Income": "1.03", "Other Net Income": "-1.99", "Economic Capital Ratio": "0.676"}, "2019": {"Long-term Debt": "0.577", "Liabilities": "-2.85", "ECR before LimitedLiability": "0.645", "Other Liabilities": "-40.7", "Liabilities and Borrowings": "15.7", "Loans and Leases Receivable": "10.00", "Assets": "2.35", "Other Assets": "-7.54", "Cash Deposits and Cash Equivalents": "1.31", "Assets and Securities": "-1.27", "Other Noninterest Expense": "0.443", "Expenses": "3.86", "Net Income": "0.827", "Other Expenses": "0.552", "Labor Expense": "2.10", "Other Revenues": "-0.839", "Revenues": "-0.839", "Comprehensive Net Income": "1.21", "Other Compr. Net Income": "0.384", "Other Net Income": "-2.22", "Economic Capital Ratio": "0.617"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2014": {"input_variables": {"Assets and Securities": "33,024", "Cash Deposits and Cash Equivalents": "172,738", "Deposits": "2,276,915", "Fees": "0", "Goodwill": "49,473", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "2,069,236", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "520,096", "Other Compr. Net Income": "5,589", "Other Expenses": "7,865", "Other Liabilities": "288,326", "Other Net Income": "25,196", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "48,812"}, "output_variables": {"Liabilities": "2,565,241", "Assets": "2,893,379", "Expenses": "7,865", "Revenues": "0", "Stockholders Equity": "328,138", "Net Income": "17,331", "Comprehensive Net Income": "22,920", "BaseVar": "2,799,460", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2015": {"input_variables": {"Assets and Securities": "29,123", "Cash Deposits and Cash Equivalents": "89,891", "Deposits": "2,275,382", "Fees": "0", "Goodwill": "49,473", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "2,262,046", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "426,161", "Other Compr. Net Income": "1,247", "Other Expenses": "11,811", "Other Liabilities": "294,370", "Other Net Income": "38,831", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "46,862"}, "output_variables": {"Liabilities": "2,569,752", "Assets": "2,903,556", "Expenses": "11,811", "Revenues": "0", "Stockholders Equity": "333,804", "Net Income": "27,020", "Comprehensive Net Income": "28,267", "BaseVar": "2,830,833", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2016": {"input_variables": {"Assets and Securities": "30,146", "Cash Deposits and Cash Equivalents": "183,596", "Deposits": "2,374,985", "Fees": "0", "Goodwill": "49,473", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "2,360,659", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "413,241", "Other Compr. Net Income": "-7,252", "Other Expenses": "17,119", "Other Liabilities": "366,775", "Other Net Income": "51,462", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "45,456"}, "output_variables": {"Liabilities": "2,741,760", "Assets": "3,082,571", "Expenses": "17,119", "Revenues": "0", "Stockholders Equity": "340,811", "Net Income": "34,343", "Comprehensive Net Income": "27,090", "BaseVar": "3,049,802", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2017": {"input_variables": {"Assets and Securities": "28,976", "Cash Deposits and Cash Equivalents": "200,101", "Deposits": "2,522,365", "Fees": "0", "Goodwill": "49,473", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "2,539,051", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "423,069", "Other Compr. Net Income": "-1,149", "Other Expenses": "14,727", "Other Liabilities": "398,469", "Other Net Income": "45,713", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "46,034"}, "output_variables": {"Liabilities": "2,920,834", "Assets": "3,286,704", "Expenses": "14,727", "Revenues": "0", "Stockholders Equity": "365,870", "Net Income": "30,986", "Comprehensive Net Income": "29,837", "BaseVar": "3,215,553", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2018": {"input_variables": {"Assets and Securities": "368,824", "Cash Deposits and Cash Equivalents": "75,354", "Deposits": "2,463,708", "Fees": "0", "Goodwill": "49,473", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "2,730,705", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "91,230", "Other Compr. Net Income": "-1,679", "Other Expenses": "7,158", "Other Liabilities": "524,950", "Other Net Income": "54,373", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "48,321"}, "output_variables": {"Liabilities": "2,988,658", "Assets": "3,363,907", "Expenses": "7,158", "Revenues": "0", "Stockholders Equity": "375,249", "Net Income": "47,215", "Comprehensive Net Income": "45,537", "BaseVar": "3,291,008", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2019": {"input_variables": {"Assets and Securities": "367,467", "Cash Deposits and Cash Equivalents": "233,731", "Deposits": "2,690,384", "Fees": "0", "Goodwill": "49,473", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "2,832,778", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "92,139", "Other Compr. Net Income": "3,439", "Other Expenses": "11,265", "Other Liabilities": "525,970", "Other Net Income": "65,449", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "57,327"}, "output_variables": {"Liabilities": "3,216,354", "Assets": "3,632,915", "Expenses": "11,265", "Revenues": "0", "Stockholders Equity": "416,561", "Net Income": "54,184", "Comprehensive Net Income": "57,624", "BaseVar": "3,570,112", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}}, "top_rated": false, "trend": 3.0, "value": 0.15874017735073523, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001042729.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001042729.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001042729.svg"}, {"company_id": "0001315399", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001315399.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 53, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 16% points.The greatest weakness of Parke Bancorp INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 34% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 16%, being 0.40% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001315399_2020_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"}, "2013": {"Long-term Debt": "0.914", "Liabilities": "0.561", "Stockholders Equity": "1.16", "ECR before LimitedLiability": "3.14", "Liabilities and Borrowings": "-55.7", "Other Liabilities": "13.4", "Deposits": "-5.79", "Goodwill": "-0.817", "Assets": "0.589", "Loans and Leases Receivable": "12.9", "Cash Deposits and Cash Equivalents": "0.894", "Assets and Securities": "-0.935", "Other Assets": "-13.9", "Property, Plant and Equipment": "-0.820", "Expenses": "-0.582", "Net Income": "0.396", "Other Expenses": "-1.02", "Other Net Income": "1.13", "Other Compr. Net Income": "1.65", "Comprehensive Net Income": "2.04", "Economic Capital Ratio": "3.00"}, "2015": {"Deposits": "-0.771", "Liabilities": "2.74", "Stockholders Equity": "1.74", "ECR before LimitedLiability": "2.70", "Long-term Debt": "1.23", "Other Liabilities": "14.4", "Liabilities and Borrowings": "-45.9", "Loans and Leases Receivable": "13.0", "Assets": "-0.746", "Property, Plant and Equipment": "-0.722", "Cash Deposits and Cash Equivalents": "-0.706", "Goodwill": "-0.859", "Other Assets": "-13.2", "Expenses": "-0.960", "Net Income": "1.64", "Other Expenses": "-1.49", "Other Revenues": "-0.336", "Revenues": "-0.336", "Other Compr. Net Income": "-0.914", "Comprehensive Net Income": "0.733", "Other Net Income": "2.92", "Economic Capital Ratio": "2.66"}, "2016": {"Liabilities and Borrowings": "-43.3", "Liabilities": "2.94", "Stockholders Equity": "1.42", "ECR before LimitedLiability": "5.04", "Deposits": "-1.49", "Other Liabilities": "16.8", "Long-term Debt": "0.918", "Assets and Securities": "-1.40", "Assets": "-1.13", "Property, Plant and Equipment": "-0.714", "Other Assets": "-12.2", "Goodwill": "-1.02", "Loans and Leases Receivable": "12.9", "Cash Deposits and Cash Equivalents": "1.94", "Other Expenses": "-1.61", "Expenses": "-0.857", "Revenues": "-0.530", "Net Income": "3.42", "Other Revenues": "-0.530", "Comprehensive Net Income": "3.36", "Other Net Income": "4.79", "Economic Capital Ratio": "4.99"}, "2017": {"Other Liabilities": "13.4", "Liabilities": "1.59", "Stockholders Equity": "0.602", "ECR before LimitedLiability": "1.07", "Liabilities and Borrowings": "-38.6", "Long-term Debt": "0.800", "Deposits": "0.651", "Loans and Leases Receivable": "12.5", "Assets": "-0.798", "Assets and Securities": "-1.96", "Other Assets": "-12.1", "Property, Plant and Equipment": "-0.647", "Goodwill": "-1.18", "Expenses": "-1.27", "Revenues": "-0.564", "Net Income": "0.573", "Other Expenses": "-2.17", "Labor Expense": "0.559", "Other Revenues": "-0.564", "Other Net Income": "2.38", "Economic Capital Ratio": "1.03"}, "2018": {"Other Liabilities": "14.3", "Liabilities": "-1.67", "ECR before LimitedLiability": "2.18", "Long-term Debt": "0.685", "Liabilities and Borrowings": "-25.8", "Deposits": "-4.65", "Assets": "0.889", "Assets and Securities": "-6.34", "Other Assets": "-9.66", "Loans and Leases Receivable": "13.0", "Goodwill": "-1.22", "Cash Deposits and Cash Equivalents": "4.54", "Labor Expense": "2.12", "Expenses": "2.72", "Net Income": "2.59", "Other Expenses": "-0.710", "Other Revenues": "-0.801", "Revenues": "-0.801", "Comprehensive Net Income": "2.89", "Other Net Income": "0.668", "Economic Capital Ratio": "2.10"}, "2019": {"Long-term Debt": "0.583", "Liabilities": "-2.25", "Stockholders Equity": "-0.754", "Economic Capital Ratio": "0.396", "Deposits": "-3.99", "Other Liabilities": "15.5", "Liabilities and Borrowings": "-34.2", "Loans and Leases Receivable": "12.5", "Assets": "1.14", "Other Assets": "-7.52", "Goodwill": "-1.22", "Property, Plant and Equipment": "-0.650", "Cash Deposits and Cash Equivalents": "4.98", "Assets and Securities": "-6.83", "Expenses": "2.87", "Net Income": "2.44", "Other Expenses": "-0.492", "Labor Expense": "2.13", "Other Revenues": "-0.850", "Revenues": "-0.850", "Comprehensive Net Income": "1.61", "Other Compr. Net Income": "-0.835"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "38,757", "Cash Deposits and Cash Equivalents": "45,661", "Deposits": "626,768", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "597,286", "Loans and Leases Receivable": "635,981", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "70,680", "Other Compr. Net Income": "242", "Other Expenses": "5,024", "Other Liabilities": "-521,676", "Other Net Income": "12,863", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "3,864"}, "output_variables": {"Liabilities": "702,378", "Assets": "794,943", "Expenses": "5,024", "Revenues": "0", "Stockholders Equity": "92,565", "Net Income": "7,839", "Comprehensive Net Income": "8,081", "BaseVar": "781,565", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2015": {"input_variables": {"Assets and Securities": "48,919", "Cash Deposits and Cash Equivalents": "27,429", "Deposits": "665,210", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "621,597", "Loans and Leases Receivable": "742,365", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "61,820", "Other Compr. Net Income": "-1,763", "Other Expenses": "6,483", "Other Liabilities": "-513,890", "Other Net Income": "18,218", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "4,591"}, "output_variables": {"Liabilities": "772,917", "Assets": "885,124", "Expenses": "6,483", "Revenues": "0", "Stockholders Equity": "112,207", "Net Income": "11,735", "Comprehensive Net Income": "9,972", "BaseVar": "877,052", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2016": {"input_variables": {"Assets and Securities": "50,302", "Cash Deposits and Cash Equivalents": "70,720", "Deposits": "788,694", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "702,852", "Loans and Leases Receivable": "836,373", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "53,593", "Other Compr. Net Income": "-2,066", "Other Expenses": "8,481", "Other Liabilities": "-602,451", "Other Net Income": "29,110", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "5,197"}, "output_variables": {"Liabilities": "889,095", "Assets": "1,016,185", "Expenses": "8,481", "Revenues": "0", "Stockholders Equity": "127,090", "Net Income": "20,629", "Comprehensive Net Income": "18,562", "BaseVar": "1,024,617", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}, "2017": {"input_variables": {"Assets and Securities": "42,528", "Cash Deposits and Cash Equivalents": "42,113", "Deposits": "866,383", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "749,544", "Loans and Leases Receivable": "995,184", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "50,602", "Other Compr. Net Income": "-1,056", "Other Expenses": "12,599", "Other Liabilities": "-613,255", "Other Net Income": "24,204", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "7,025"}, "output_variables": {"Liabilities": "1,002,672", "Assets": "1,137,452", "Expenses": "12,599", "Revenues": "0", "Stockholders Equity": "134,780", "Net Income": "11,605", "Comprehensive Net Income": "10,550", "BaseVar": "1,138,776", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2018": {"input_variables": {"Assets and Securities": "35,150", "Cash Deposits and Cash Equivalents": "154,471", "Deposits": "1,183,873", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "832,630", "Loans and Leases Receivable": "1,222,082", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "48,912", "Other Compr. Net Income": "-744", "Other Expenses": "9,151", "Other Liabilities": "-704,101", "Other Net Income": "32,634", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "6,783"}, "output_variables": {"Liabilities": "1,312,402", "Assets": "1,467,398", "Expenses": "9,151", "Revenues": "0", "Stockholders Equity": "154,996", "Net Income": "23,483", "Comprehensive Net Income": "22,739", "BaseVar": "1,467,090", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2019": {"input_variables": {"Assets and Securities": "37,275", "Cash Deposits and Cash Equivalents": "191,607", "Deposits": "1,339,219", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,092,154", "Loans and Leases Receivable": "1,398,938", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "46,394", "Other Compr. Net Income": "81", "Other Expenses": "9,490", "Other Liabilities": "-929,637", "Other Net Income": "40,683", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "6,946"}, "output_variables": {"Liabilities": "1,501,736", "Assets": "1,681,160", "Expenses": "9,490", "Revenues": "0", "Stockholders Equity": "179,424", "Net Income": "31,193", "Comprehensive Net Income": "31,273", "BaseVar": "1,682,657", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}}, "top_rated": false, "trend": -22.0, "value": 0.15652806935846744, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001315399.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001315399.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001315399.svg"}, {"company_id": "0001013272", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001013272.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 54, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 16% points.The greatest weakness of Norwood Financial CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 37% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 16%, being 0.35% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001013272_2020_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"}, "2013": {"Long-term Debt": "0.905", "Liabilities": "1.74", "Stockholders Equity": "2.14", "ECR before LimitedLiability": "2.02", "Liabilities and Borrowings": "12.2", "Other Liabilities": "-23.6", "Deposits": "-3.10", "Goodwill": "0.192", "Assets": "0.483", "Loans and Leases Receivable": "8.93", "Cash Deposits and Cash Equivalents": "-2.54", "Assets and Securities": "-4.35", "Other Assets": "-2.34", "Property, Plant and Equipment": "-0.445", "Expenses": "0.383", "Net Income": "1.16", "Labor Expense": "0.275", "Other Net Income": "0.940", "Other Compr. Net Income": "-1.36", "Comprehensive Net Income": "-0.186", "Economic Capital Ratio": "1.87"}, "2014": {"Deposits": "-5.23", "Liabilities": "1.64", "Assets": "1.10", "Stockholders Equity": "2.72", "ECR before LimitedLiability": "4.45", "Other Liabilities": "-20.8", "Liabilities and Borrowings": "15.9", "Long-term Debt": "1.34", "Cash Deposits and Cash Equivalents": "-1.71", "Property, Plant and Equipment": "-0.409", "Assets and Securities": "-4.12", "Loans and Leases Receivable": "7.91", "Expenses": "0.580", "Net Income": "0.705", "Labor Expense": "0.329", "Other Revenues": "-0.298", "Revenues": "-0.298", "Other Compr. Net Income": "1.04", "Comprehensive Net Income": "1.74", "Other Net Income": "0.423", "Economic Capital Ratio": "4.42"}, "2015": {"Loans and Leases Receivable": "9.61", "Assets": "2.29", "Deposits": "-1.90", "Stockholders Equity": "2.71", "Net Income": "-0.384", "ECR before LimitedLiability": "2.45", "Assets and Securities": "-3.84", "Property, Plant and Equipment": "-0.426", "Cash Deposits and Cash Equivalents": "-1.89", "Other Assets": "-2.03", "Expenses": "1.11", "Other Expenses": "0.605", "Labor Expense": "0.280", "Other Revenues": "-0.324", "Revenues": "-0.324", "Other Liabilities": "-29.0", "Liabilities and Borrowings": "13.9", "Long-term Debt": "1.18", "Other Net Income": "-1.17", "Other Compr. Net Income": "0.301", "Economic Capital Ratio": "2.41"}, "2016": {"Liabilities and Borrowings": "9.01", "Liabilities": "-1.61", "Assets": "1.04", "ECR before LimitedLiability": "-2.74", "Deposits": "-8.50", "Other Liabilities": "-22.1", "Long-term Debt": "0.729", "Assets and Securities": "-4.58", "Other Assets": "5.73", "Loans and Leases Receivable": "1.11", "Cash Deposits and Cash Equivalents": "-1.87", "Other Expenses": "0.851", "Expenses": "1.44", "Net Income": "-1.21", "Labor Expense": "0.396", "Other Revenues": "-0.457", "Revenues": "-0.457", "Other Compr. Net Income": "-0.896", "Comprehensive Net Income": "-2.15", "Other Net Income": "-2.35", "Economic Capital Ratio": "-2.78"}, "2017": {"Other Liabilities": "-25.4", "Liabilities": "-0.963", "Stockholders Equity": "-0.581", "ECR before LimitedLiability": "-0.627", "Liabilities and Borrowings": "11.7", "Long-term Debt": "0.757", "Deposits": "-5.60", "Loans and Leases Receivable": "1.79", "Assets": "0.282", "Cash Deposits and Cash Equivalents": "-1.93", "Assets and Securities": "-4.41", "Other Assets": "5.11", "Goodwill": "-0.422", "Expenses": "0.626", "Revenues": "-0.543", "Net Income": "-0.579", "Labor Expense": "0.536", "Other Revenues": "-0.543", "Other Net Income": "-0.668", "Economic Capital Ratio": "-0.676", "Other Compr. Net Income": "0.655"}, "2018": {"Other Liabilities": "-32.2", "Liabilities": "2.74", "Stockholders Equity": "-1.27", "ECR before LimitedLiability": "-0.454", "Long-term Debt": "0.703", "Liabilities and Borrowings": "12.3", "Assets": "-3.55", "Assets and Securities": "-8.01", "Other Assets": "4.26", "Loans and Leases Receivable": "3.51", "Goodwill": "-0.612", "Cash Deposits and Cash Equivalents": "-2.31", "Labor Expense": "-2.25", "Expenses": "-3.97", "Revenues": "1.57", "Net Income": "0.488", "Occupancy": "-0.546", "Other Noninterest Expense": "-0.642", "Other Revenues": "1.57", "Other Net Income": "2.75", "Economic Capital Ratio": "-0.541"}, "2019": {"Long-term Debt": "0.621", "Liabilities": "3.01", "Stockholders Equity": "-0.941", "Economic Capital Ratio": "0.353", "Deposits": "1.94", "Other Liabilities": "-36.6", "Liabilities and Borrowings": "15.5", "Loans and Leases Receivable": "4.02", "Assets": "-3.28", "Other Assets": "4.93", "Goodwill": "-0.639", "Cash Deposits and Cash Equivalents": "-2.71", "Assets and Securities": "-8.04", "Other Noninterest Expense": "-0.710", "Expenses": "-3.90", "Revenues": "1.20", "Comprehensive Net Income": "0.791", "Occupancy": "-0.537", "Labor Expense": "-2.31", "Other Revenues": "1.20", "Other Compr. Net Income": "0.988", "Other Net Income": "2.49"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "1,409", "Cash Deposits and Cash Equivalents": "7,863", "Deposits": "541,182", "Fees": "0", "Goodwill": "9,715", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,491", "Loans and Leases Receivable": "497,389", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "187,733", "Other Compr. Net Income": "-5,399", "Other Expenses": "2,706", "Other Liabilities": "74,697", "Other Net Income": "11,171", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "7,125"}, "output_variables": {"Liabilities": "619,370", "Assets": "711,234", "Expenses": "2,706", "Revenues": "0", "Stockholders Equity": "91,864", "Net Income": "8,465", "Comprehensive Net Income": "3,066", "BaseVar": "700,288", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2014": {"input_variables": {"Assets and Securities": "1,418", "Cash Deposits and Cash Equivalents": "12,376", "Deposits": "559,944", "Fees": "0", "Goodwill": "9,715", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,789", "Loans and Leases Receivable": "495,260", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "186,132", "Other Compr. Net Income": "-5,385", "Other Expenses": "2,588", "Other Liabilities": "48,861", "Other Net Income": "10,107", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "6,734"}, "output_variables": {"Liabilities": "612,594", "Assets": "711,635", "Expenses": "2,588", "Revenues": "0", "Stockholders Equity": "99,041", "Net Income": "7,519", "Comprehensive Net Income": "2,134", "BaseVar": "694,930", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2015": {"input_variables": {"Assets and Securities": "1,434", "Cash Deposits and Cash Equivalents": "10,010", "Deposits": "550,909", "Fees": "0", "Goodwill": "9,715", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,280", "Loans and Leases Receivable": "552,627", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "170,247", "Other Compr. Net Income": "1,419", "Other Expenses": "1,438", "Other Liabilities": "95,318", "Other Net Income": "6,985", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "6,472"}, "output_variables": {"Liabilities": "649,507", "Assets": "750,505", "Expenses": "1,438", "Revenues": "0", "Stockholders Equity": "100,998", "Net Income": "5,547", "Comprehensive Net Income": "6,965", "BaseVar": "717,869", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2016": {"input_variables": {"Assets and Securities": "2,359", "Cash Deposits and Cash Equivalents": "17,174", "Deposits": "925,385", "Fees": "0", "Goodwill": "11,331", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "8,838", "Loans and Leases Receivable": "707,426", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "359,362", "Other Compr. Net Income": "-3,065", "Other Expenses": "1,917", "Other Liabilities": "65,881", "Other Net Income": "8,755", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "13,531"}, "output_variables": {"Liabilities": "1,000,104", "Assets": "1,111,183", "Expenses": "1,917", "Revenues": "0", "Stockholders Equity": "111,079", "Net Income": "6,838", "Comprehensive Net Income": "3,773", "BaseVar": "1,080,576", "ECR before LimitedLiability": "9.4%", "Economic Capital Ratio": "9.5%"}}, "2017": {"input_variables": {"Assets and Securities": "2,260", "Cash Deposits and Cash Equivalents": "16,697", "Deposits": "929,384", "Fees": "0", "Goodwill": "11,331", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "7,884", "Loans and Leases Receivable": "756,458", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "332,306", "Other Compr. Net Income": "-905", "Other Expenses": "8,201", "Other Liabilities": "79,909", "Other Net Income": "16,184", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "13,864"}, "output_variables": {"Liabilities": "1,017,177", "Assets": "1,132,916", "Expenses": "8,201", "Revenues": "0", "Stockholders Equity": "115,739", "Net Income": "7,983", "Comprehensive Net Income": "7,078", "BaseVar": "1,120,947", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2018": {"input_variables": {"Assets and Securities": "8,942", "Cash Deposits and Cash Equivalents": "18,348", "Deposits": "946,780", "Fees": "1,340", "Goodwill": "11,331", "IT and Equipment Expense": "2,233", "Labor Expense": "14,020", "Liabilities and Borrowings": "8,358", "Loans and Leases Receivable": "841,730", "Long-term Debt": "0", "Occupancy": "2,889", "Other Assets": "290,362", "Other Compr. Net Income": "-519", "Other Expenses": "4,845", "Other Liabilities": "107,136", "Other Net Income": "135,889", "Other Noninterest Expense": "3,661", "Other Revenues": "7,616", "Property, Plant and Equipment": "13,846"}, "output_variables": {"Liabilities": "1,062,274", "Assets": "1,184,559", "Expenses": "28,988", "Revenues": "7,616", "Stockholders Equity": "122,285", "Net Income": "114,517", "Comprehensive Net Income": "113,998", "BaseVar": "1,437,434", "ECR before LimitedLiability": "45%", "Economic Capital Ratio": "45%"}}, "2019": {"input_variables": {"Assets and Securities": "14,242", "Cash Deposits and Cash Equivalents": "15,415", "Deposits": "957,529", "Fees": "1,270", "Goodwill": "11,331", "IT and Equipment Expense": "2,749", "Labor Expense": "14,685", "Liabilities and Borrowings": "14,527", "Loans and Leases Receivable": "916,072", "Long-term Debt": "0", "Occupancy": "2,937", "Other Assets": "259,322", "Other Compr. Net Income": "1,439", "Other Expenses": "4,562", "Other Liabilities": "121,126", "Other Net Income": "39,060", "Other Noninterest Expense": "3,810", "Other Revenues": "6,833", "Property, Plant and Equipment": "14,228"}, "output_variables": {"Liabilities": "1,093,182", "Assets": "1,230,610", "Expenses": "30,013", "Revenues": "6,833", "Stockholders Equity": "137,428", "Net Income": "15,880", "Comprehensive Net Income": "17,319", "BaseVar": "1,302,275", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}}, "top_rated": false, "trend": 16.0, "value": 0.15610072106578265, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001013272.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001013272.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001013272.svg"}, {"company_id": "0001423869", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001423869.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001423869.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001423869.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001423869_256x256.png", "name": "PCB Bancorp", "rank": 55, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001423869.svg", "report_text": "The relative strengths and weaknesses of PCB 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 PCB Bancorp compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 16% points.The greatest weakness of PCB Bancorp 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 16%, being 0.35% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001423869_2020_PCB_Bancorp.pdf", "shrinked_graph_json": {"2018": {"Other Liabilities": "-25.3", "Liabilities": "5.47", "ECR before LimitedLiability": "2.09", "Long-term Debt": "0.742", "Liabilities and Borrowings": "14.8", "Deposits": "-3.55", "Property, Plant and Equipment": "-0.888", "Assets": "-4.39", "Comprehensive Net Income": "0.945", "Assets and Securities": "-1.72", "Other Assets": "-11.3", "Loans and Leases Receivable": "8.06", "Goodwill": "-1.33", "Cash Deposits and Cash Equivalents": "3.60", "Labor Expense": "-3.26", "Expenses": "-4.32", "Net Income": "2.87", "Occupancy": "-0.749", "Other Compr. Net Income": "-1.94", "Other Net Income": "6.87", "Economic Capital Ratio": "2.00"}, "2019": {"Long-term Debt": "0.630", "Liabilities": "4.98", "Stockholders Equity": "0.494", "Economic Capital Ratio": "0.350", "Deposits": "-4.02", "Other Liabilities": "-27.5", "Liabilities and Borrowings": "15.6", "Loans and Leases Receivable": "9.29", "Assets": "-3.70", "Other Assets": "-8.45", "Goodwill": "-1.32", "Property, Plant and Equipment": "-0.868", "Cash Deposits and Cash Equivalents": "2.49", "Assets and Securities": "-4.39", "Expenses": "-4.39", "Net Income": "2.00", "Other Expenses": "0.733", "Occupancy": "-0.847", "Labor Expense": "-3.50", "Comprehensive Net Income": "-0.884", "Other Compr. Net Income": "-2.89", "Other Net Income": "6.31"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001423869_strength_weakness.svg", "table_records": {"2018": {"input_variables": {"Assets and Securities": "168,751", "Cash Deposits and Cash Equivalents": "162,273", "Deposits": "1,443,753", "Fees": "2,176", "Goodwill": "0", "IT and Equipment Expense": "1,220", "Labor Expense": "24,473", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,325,515", "Long-term Debt": "0", "Occupancy": "4,992", "Other Assets": "35,901", "Other Compr. Net Income": "-10,868", "Other Expenses": "6,009", "Other Liabilities": "42,979", "Other Net Income": "70,077", "Other Noninterest Expense": "3,516", "Other Revenues": "3,673", "Property, Plant and Equipment": "4,588"}, "output_variables": {"Liabilities": "1,486,732", "Assets": "1,697,028", "Expenses": "42,386", "Revenues": "3,673", "Stockholders Equity": "210,296", "Net Income": "31,364", "Comprehensive Net Income": "20,496", "BaseVar": "1,822,392", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2019": {"input_variables": {"Assets and Securities": "117,720", "Cash Deposits and Cash Equivalents": "146,228", "Deposits": "1,480,000", "Fees": "2,730", "Goodwill": "0", "IT and Equipment Expense": "1,365", "Labor Expense": "26,139", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,436,451", "Long-term Debt": "0", "Occupancy": "5,545", "Other Assets": "42,169", "Other Compr. Net Income": "-8,653", "Other Expenses": "5,161", "Other Liabilities": "39,494", "Other Net Income": "71,579", "Other Noninterest Expense": "3,684", "Other Revenues": "3,785", "Property, Plant and Equipment": "3,760"}, "output_variables": {"Liabilities": "1,519,494", "Assets": "1,746,328", "Expenses": "44,624", "Revenues": "3,785", "Stockholders Equity": "226,834", "Net Income": "30,740", "Comprehensive Net Income": "22,087", "BaseVar": "1,866,394", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}}, "top_rated": false, "trend": -22.0, "value": 0.1560747809283594, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001423869.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001423869.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001423869.svg"}, {"company_id": "0001069157", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001069157.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 56, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 15% points.The greatest weakness of EAST WEST Bancorp INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 28% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 15%, being 0.23% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001069157_2020_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"}, "2016": {"Liabilities and Borrowings": "-26.2", "Liabilities": "-0.697", "Assets and Securities": "-3.27", "Stockholders Equity": "-0.601", "ECR before LimitedLiability": "0.611", "Deposits": "-10.3", "Other Liabilities": "12.4", "Long-term Debt": "0.397", "Expenses": "0.825", "Net Income": "1.04", "Labor Expense": "0.449", "Other Revenues": "-0.508", "Revenues": "-0.508", "Property, Plant and Equipment": "-0.739", "Other Assets": "-3.71", "Loans and Leases Receivable": "6.48", "Cash Deposits and Cash Equivalents": "0.825", "Comprehensive Net Income": "1.28", "Other Net Income": "0.718", "Other Compr. Net Income": "0.243", "Economic Capital Ratio": "0.568"}, "2017": {"Loans and Leases Receivable": "8.34", "Assets": "-0.449", "Long-term Debt": "0.390", "Stockholders Equity": "-0.577", "ECR before LimitedLiability": "1.37", "Cash Deposits and Cash Equivalents": "1.26", "Assets and Securities": "-3.28", "Other Assets": "-6.04", "Property, Plant and Equipment": "-0.849", "Expenses": "0.519", "Revenues": "-0.557", "Net Income": "1.79", "Other Expenses": "-0.359", "Labor Expense": "0.553", "Other Revenues": "-0.557", "Other Liabilities": "13.7", "Liabilities and Borrowings": "-25.8", "Deposits": "-7.91", "Comprehensive Net Income": "1.94", "Other Net Income": "1.83", "Economic Capital Ratio": "1.32"}, "2018": {"Other Liabilities": "15.2", "Liabilities": "-2.41", "ECR before LimitedLiability": "2.46", "Liabilities and Borrowings": "-28.6", "Deposits": "-11.1", "Property, Plant and Equipment": "-0.779", "Assets": "1.75", "Assets and Securities": "-2.04", "Other Assets": "-8.70", "Loans and Leases Receivable": "11.3", "Goodwill": "-0.388", "Cash Deposits and Cash Equivalents": "2.17", "Labor Expense": "2.10", "Expenses": "3.77", "Net Income": "2.68", "Other Noninterest Expense": "0.496", "Other Expenses": "0.386", "Other Revenues": "-0.792", "Revenues": "-0.792", "Comprehensive Net Income": "3.02", "Economic Capital Ratio": "2.37"}, "2019": {"Long-term Debt": "0.576", "Liabilities": "-2.77", "Economic Capital Ratio": "0.228", "Deposits": "-9.70", "Other Liabilities": "15.4", "Liabilities and Borrowings": "-27.9", "Loans and Leases Receivable": "9.75", "Assets": "2.20", "Other Assets": "-6.71", "Goodwill": "-0.449", "Property, Plant and Equipment": "-0.745", "Cash Deposits and Cash Equivalents": "2.01", "Assets and Securities": "-1.67", "Other Noninterest Expense": "0.444", "Expenses": "3.55", "Net Income": "1.44", "Labor Expense": "2.10", "Other Revenues": "-0.841", "Revenues": "-0.841", "Comprehensive Net Income": "0.911", "Other Net Income": "-1.29", "Other Compr. Net Income": "-0.535"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2016": {"input_variables": {"Assets and Securities": "782,420", "Cash Deposits and Cash Equivalents": "1,878,503", "Deposits": "29,890,983", "Fees": "0", "Goodwill": "469,433", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "19,707,037", "Loans and Leases Receivable": "25,242,619", "Long-term Debt": "186,327", "Occupancy": "0", "Other Assets": "6,255,942", "Other Compr. Net Income": "-33,205", "Other Expenses": "140,511", "Other Liabilities": "-18,423,248", "Other Net Income": "572,188", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "159,923"}, "output_variables": {"Liabilities": "31,361,099", "Assets": "34,788,840", "Expenses": "140,511", "Revenues": "0", "Stockholders Equity": "3,427,741", "Net Income": "431,677", "Comprehensive Net Income": "398,472", "BaseVar": "34,428,785", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2017": {"input_variables": {"Assets and Securities": "678,952", "Cash Deposits and Cash Equivalents": "2,174,592", "Deposits": "31,615,063", "Fees": "0", "Goodwill": "469,433", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "20,727,757", "Loans and Leases Receivable": "28,688,590", "Long-term Debt": "171,577", "Occupancy": "0", "Other Assets": "5,017,473", "Other Compr. Net Income": "10,627", "Other Expenses": "229,476", "Other Liabilities": "-19,206,099", "Other Net Income": "735,100", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "121,209"}, "output_variables": {"Liabilities": "33,308,298", "Assets": "37,150,249", "Expenses": "229,476", "Revenues": "0", "Stockholders Equity": "3,841,951", "Net Income": "505,624", "Comprehensive Net Income": "516,251", "BaseVar": "36,999,267", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2018": {"input_variables": {"Assets and Securities": "3,485,533", "Cash Deposits and Cash Equivalents": "3,001,377", "Deposits": "35,439,628", "Fees": "0", "Goodwill": "465,547", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "24,062,619", "Loans and Leases Receivable": "32,073,867", "Long-term Debt": "146,835", "Occupancy": "0", "Other Assets": "1,896,852", "Other Compr. Net Income": "-5,853", "Other Expenses": "145,882", "Other Liabilities": "-23,030,700", "Other Net Income": "835,052", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "119,180"}, "output_variables": {"Liabilities": "36,618,382", "Assets": "41,042,356", "Expenses": "145,882", "Revenues": "0", "Stockholders Equity": "4,423,974", "Net Income": "689,169", "Comprehensive Net Income": "683,316", "BaseVar": "40,621,388", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2019": {"input_variables": {"Assets and Securities": "4,234,309", "Cash Deposits and Cash Equivalents": "3,261,149", "Deposits": "37,324,259", "Fees": "0", "Goodwill": "465,697", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "26,244,223", "Loans and Leases Receivable": "34,420,252", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,696,325", "Other Compr. Net Income": "17,558", "Other Expenses": "153,987", "Other Liabilities": "-24,390,003", "Other Net Income": "848,999", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "118,364"}, "output_variables": {"Liabilities": "39,178,479", "Assets": "44,196,096", "Expenses": "153,987", "Revenues": "0", "Stockholders Equity": "5,017,617", "Net Income": "695,013", "Comprehensive Net Income": "712,571", "BaseVar": "43,539,576", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}}, "top_rated": false, "trend": -29.0, "value": 0.15484786105155687, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001069157.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001069157.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001069157.svg"}, {"company_id": "0001722010", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001722010.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001722010.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001722010.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001722010_256x256.png", "name": "OP Bancorp", "rank": 57, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001722010.svg", "report_text": "The relative strengths and weaknesses of OP 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 OP Bancorp compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 15% points.The greatest weakness of OP Bancorp 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 15%, being 0.23% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001722010_2020_OP_Bancorp.pdf", "shrinked_graph_json": {"2018": {"Other Liabilities": "-22.9", "Liabilities": "6.24", "ECR before LimitedLiability": "2.66", "Long-term Debt": "0.753", "Liabilities and Borrowings": "15.3", "Deposits": "-4.38", "Property, Plant and Equipment": "-0.769", "Assets": "-5.05", "Comprehensive Net Income": "1.45", "Assets and Securities": "-8.10", "Other Assets": "15.4", "Loans and Leases Receivable": "-36.7", "Goodwill": "-1.34", "Cash Deposits and Cash Equivalents": "1.96", "Labor Expense": "-4.41", "Expenses": "-5.56", "Net Income": "2.90", "Occupancy": "-1.13", "Other Compr. Net Income": "-1.46", "Other Net Income": "8.10", "Economic Capital Ratio": "2.57"}, "2019": {"Long-term Debt": "0.635", "Liabilities": "5.13", "Stockholders Equity": "-0.527", "Economic Capital Ratio": "0.227", "Deposits": "-4.61", "Other Liabilities": "-26.3", "Liabilities and Borrowings": "15.4", "Loans and Leases Receivable": "9.13", "Assets": "-4.71", "Other Assets": "-4.48", "Goodwill": "-1.34", "Property, Plant and Equipment": "-0.712", "Cash Deposits and Cash Equivalents": "1.61", "Assets and Securities": "-8.55", "Expenses": "-6.81", "Revenues": "-0.267", "Net Income": "0.611", "Other Expenses": "-1.01", "Occupancy": "-1.13", "Labor Expense": "-4.31", "Other Revenues": "-0.267", "Other Net Income": "7.35", "Other Compr. Net Income": "-0.730"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001722010_strength_weakness.svg", "table_records": {"2018": {"input_variables": {"Assets and Securities": "7,935", "Cash Deposits and Cash Equivalents": "77,726", "Deposits": "905,176", "Fees": "1,326", "Goodwill": "0", "IT and Equipment Expense": "1,231", "Labor Expense": "18,195", "Liabilities and Borrowings": "7,508", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "4,111", "Other Assets": "953,892", "Other Compr. Net Income": "-5,402", "Other Expenses": "3,106", "Other Liabilities": "1,715", "Other Net Income": "47,103", "Other Noninterest Expense": "1,593", "Other Revenues": "1,916", "Property, Plant and Equipment": "4,633"}, "output_variables": {"Liabilities": "914,399", "Assets": "1,044,186", "Expenses": "29,562", "Revenues": "1,916", "Stockholders Equity": "129,787", "Net Income": "19,457", "Comprehensive Net Income": "14,055", "BaseVar": "1,131,722", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2019": {"input_variables": {"Assets and Securities": "8,094", "Cash Deposits and Cash Equivalents": "86,036", "Deposits": "1,020,711", "Fees": "980", "Goodwill": "0", "IT and Equipment Expense": "1,530", "Labor Expense": "20,267", "Liabilities and Borrowings": "5,421", "Loans and Leases Receivable": "980,088", "Long-term Debt": "0", "Occupancy": "4,648", "Other Assets": "100,076", "Other Compr. Net Income": "736", "Other Expenses": "8,878", "Other Liabilities": "12,812", "Other Net Income": "52,581", "Other Noninterest Expense": "1,536", "Other Revenues": "2,015", "Property, Plant and Equipment": "5,226"}, "output_variables": {"Liabilities": "1,038,944", "Assets": "1,179,520", "Expenses": "37,839", "Revenues": "2,015", "Stockholders Equity": "140,576", "Net Income": "16,757", "Comprehensive Net Income": "17,493", "BaseVar": "1,278,337", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}}, "top_rated": false, "trend": -37.0, "value": 0.15484323798100602, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001722010.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001722010.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001722010.svg"}, {"company_id": "0000883948", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000883948.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 58, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 15% points.The greatest weakness of Atlantic Union Bankshares Corp is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 27% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 15%, being 0.050% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000883948_2020_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"}, "2013": {"Long-term Debt": "-1.96", "Liabilities": "-0.769", "Stockholders Equity": "0.251", "ECR before LimitedLiability": "0.331", "Liabilities and Borrowings": "-35.7", "Other Liabilities": "10.6", "Deposits": "-4.66", "Goodwill": "0.231", "Assets": "0.888", "Loans and Leases Receivable": "8.83", "Cash Deposits and Cash Equivalents": "-2.02", "Assets and Securities": "-1.84", "Other Assets": "-7.23", "Property, Plant and Equipment": "0.284", "Expenses": "0.646", "Net Income": "-0.193", "Other Expenses": "0.241", "Labor Expense": "0.261", "Other Net Income": "-0.700", "Other Compr. Net Income": "0.393", "Comprehensive Net Income": "0.202", "Economic Capital Ratio": "0.183"}, "2014": {"Cash Deposits and Cash Equivalents": "-1.64", "Assets": "2.06", "Deposits": "-4.05", "Stockholders Equity": "2.29", "ECR before LimitedLiability": "1.56", "Other Assets": "-5.18", "Assets and Securities": "-3.46", "Goodwill": "2.15", "Loans and Leases Receivable": "9.51", "Expenses": "1.05", "Revenues": "-0.292", "Net Income": "-0.656", "Other Expenses": "0.528", "Labor Expense": "0.323", "Other Revenues": "-0.292", "Long-term Debt": "-2.40", "Liabilities and Borrowings": "-38.7", "Other Liabilities": "14.5", "Comprehensive Net Income": "-0.524", "Other Net Income": "-1.42", "Economic Capital Ratio": "1.53"}, "2015": {"Deposits": "-5.13", "Liabilities": "0.486", "Stockholders Equity": "2.21", "ECR before LimitedLiability": "2.00", "Long-term Debt": "-2.21", "Other Liabilities": "13.7", "Liabilities and Borrowings": "-33.6", "Loans and Leases Receivable": "8.93", "Assets": "1.63", "Assets and Securities": "-3.23", "Property, Plant and Equipment": "0.142", "Cash Deposits and Cash Equivalents": "-1.53", "Goodwill": "2.02", "Other Assets": "-5.30", "Expenses": "0.791", "Other Expenses": "0.285", "Labor Expense": "0.281", "Other Revenues": "-0.325", "Revenues": "-0.325", "Economic Capital Ratio": "1.95", "Other Net Income": "-0.554"}, "2016": {"Liabilities and Borrowings": "-31.2", "Liabilities": "-0.406", "Stockholders Equity": "1.19", "ECR before LimitedLiability": "1.06", "Deposits": "-2.08", "Other Liabilities": "12.8", "Long-term Debt": "-3.54", "Assets and Securities": "-3.95", "Assets": "1.44", "Other Assets": "-3.94", "Goodwill": "1.63", "Loans and Leases Receivable": "8.38", "Cash Deposits and Cash Equivalents": "-1.53", "Other Expenses": "0.409", "Expenses": "1.12", "Labor Expense": "0.447", "Other Revenues": "-0.505", "Revenues": "-0.505", "Economic Capital Ratio": "1.02", "Other Net Income": "-0.721", "Other Compr. Net Income": "0.144"}, "2017": {"Other Liabilities": "12.3", "Liabilities": "-1.23", "Stockholders Equity": "0.358", "Economic Capital Ratio": "-0.0869", "Liabilities and Borrowings": "-31.2", "Long-term Debt": "-3.29", "Deposits": "-0.324", "Loans and Leases Receivable": "8.39", "Assets": "1.36", "Cash Deposits and Cash Equivalents": "-1.41", "Assets and Securities": "-3.74", "Other Assets": "-3.97", "Goodwill": "1.22", "Expenses": "1.41", "Net Income": "-0.312", "Other Expenses": "0.575", "Labor Expense": "0.536", "Other Revenues": "-0.542", "Revenues": "-0.542", "Comprehensive Net Income": "-0.157", "Other Compr. Net Income": "0.155", "Other Net Income": "-1.21"}, "2018": {"Other Liabilities": "13.3", "Liabilities": "4.23", "Stockholders Equity": "1.91", "ECR before LimitedLiability": "0.833", "Long-term Debt": "-3.73", "Liabilities and Borrowings": "-26.2", "Deposits": "5.08", "Assets": "-1.97", "Assets and Securities": "2.13", "Other Assets": "-8.11", "Loans and Leases Receivable": "4.12", "Goodwill": "2.67", "Cash Deposits and Cash Equivalents": "-2.02", "Labor Expense": "-2.26", "Expenses": "-5.20", "Net Income": "-1.88", "Other Net Income": "3.67", "Other Expenses": "-2.07", "IT and Equipment Expense": "-0.539", "Comprehensive Net Income": "-1.62", "Economic Capital Ratio": "0.747"}, "2019": {"Long-term Debt": "-5.12", "Liabilities": "3.92", "Stockholders Equity": "1.88", "Economic Capital Ratio": "0.0500", "Deposits": "2.15", "Other Liabilities": "15.2", "Liabilities and Borrowings": "-27.2", "Loans and Leases Receivable": "3.10", "Assets": "-1.61", "Other Assets": "-5.50", "Goodwill": "2.71", "Property, Plant and Equipment": "-0.327", "Cash Deposits and Cash Equivalents": "-1.79", "Assets and Securities": "0.534", "Expenses": "-4.74", "Revenues": "-0.318", "Net Income": "-2.31", "Other Expenses": "-1.72", "Labor Expense": "-2.09", "IT and Equipment Expense": "-0.549", "Other Revenues": "-0.318", "Comprehensive Net Income": "-2.23", "Other Net Income": "2.73"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "149,435", "Cash Deposits and Cash Equivalents": "73,023", "Deposits": "3,236,842", "Fees": "0", "Goodwill": "59,400", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,583,344", "Loans and Leases Receivable": "3,009,233", "Long-term Debt": "139,049", "Occupancy": "0", "Other Assets": "802,665", "Other Compr. Net Income": "-12,274", "Other Expenses": "12,513", "Other Liabilities": "-2,220,903", "Other Net Income": "47,009", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "82,815"}, "output_variables": {"Liabilities": "3,738,332", "Assets": "4,176,571", "Expenses": "12,513", "Revenues": "0", "Stockholders Equity": "438,239", "Net Income": "34,496", "Comprehensive Net Income": "22,222", "BaseVar": "4,087,761", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2014": {"input_variables": {"Assets and Securities": "85,165", "Cash Deposits and Cash Equivalents": "133,260", "Deposits": "5,638,770", "Fees": "0", "Goodwill": "293,522", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,494,833", "Loans and Leases Receivable": "5,313,612", "Long-term Debt": "299,542", "Occupancy": "0", "Other Assets": "1,398,365", "Other Compr. Net Income": "-12,257", "Other Expenses": "18,180", "Other Liabilities": "-4,051,999", "Other Net Income": "73,633", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "135,247"}, "output_variables": {"Liabilities": "6,381,146", "Assets": "7,359,171", "Expenses": "18,180", "Revenues": "0", "Stockholders Equity": "978,025", "Net Income": "55,453", "Comprehensive Net Income": "43,196", "BaseVar": "7,059,045", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2015": {"input_variables": {"Assets and Securities": "84,846", "Cash Deposits and Cash Equivalents": "142,660", "Deposits": "5,963,936", "Fees": "0", "Goodwill": "293,522", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,644,812", "Loans and Leases Receivable": "5,637,415", "Long-term Debt": "291,198", "Occupancy": "0", "Other Assets": "1,408,820", "Other Compr. Net Income": "14,297", "Other Expenses": "25,856", "Other Liabilities": "-4,202,022", "Other Net Income": "99,443", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "126,028"}, "output_variables": {"Liabilities": "6,697,924", "Assets": "7,693,291", "Expenses": "25,856", "Revenues": "0", "Stockholders Equity": "995,367", "Net Income": "73,587", "Comprehensive Net Income": "87,884", "BaseVar": "7,448,973", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2016": {"input_variables": {"Assets and Securities": "101,907", "Cash Deposits and Cash Equivalents": "179,237", "Deposits": "6,379,489", "Fees": "0", "Goodwill": "298,200", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,042,047", "Loans and Leases Receivable": "6,269,868", "Long-term Debt": "413,308", "Occupancy": "0", "Other Assets": "1,455,554", "Other Compr. Net Income": "-8,352", "Other Expenses": "28,642", "Other Liabilities": "-4,409,083", "Other Net Income": "112,134", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "122,027"}, "output_variables": {"Liabilities": "7,425,761", "Assets": "8,426,793", "Expenses": "28,642", "Revenues": "0", "Stockholders Equity": "1,001,032", "Net Income": "83,491", "Comprehensive Net Income": "75,140", "BaseVar": "8,196,944", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2017": {"input_variables": {"Assets and Securities": "99,854", "Cash Deposits and Cash Equivalents": "199,373", "Deposits": "6,991,718", "Fees": "0", "Goodwill": "298,528", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,547,228", "Loans and Leases Receivable": "7,103,344", "Long-term Debt": "425,262", "Occupancy": "0", "Other Assets": "1,494,099", "Other Compr. Net Income": "-2,857", "Other Expenses": "38,487", "Other Liabilities": "-4,695,358", "Other Net Income": "107,410", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "119,981"}, "output_variables": {"Liabilities": "8,268,850", "Assets": "9,315,179", "Expenses": "38,487", "Revenues": "0", "Stockholders Equity": "1,046,329", "Net Income": "68,923", "Comprehensive Net Income": "66,066", "BaseVar": "9,062,003", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2018": {"input_variables": {"Assets and Securities": "2,025,031", "Cash Deposits and Cash Equivalents": "261,199", "Deposits": "9,970,960", "Fees": "16,927", "Goodwill": "727,200", "IT and Equipment Expense": "30,388", "Labor Expense": "159,378", "Liabilities and Borrowings": "7,988,446", "Loans and Leases Receivable": "9,675,162", "Long-term Debt": "668,481", "Occupancy": "25,368", "Other Assets": "930,040", "Other Compr. Net Income": "-3,550", "Other Expenses": "601,538", "Other Liabilities": "-6,786,869", "Other Net Income": "853,379", "Other Noninterest Expense": "7,410", "Other Revenues": "14,343", "Property, Plant and Equipment": "146,967"}, "output_variables": {"Liabilities": "11,841,018", "Assets": "13,765,599", "Expenses": "841,009", "Revenues": "14,343", "Stockholders Equity": "1,924,581", "Net Income": "26,713", "Comprehensive Net Income": "23,163", "BaseVar": "15,911,100", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2019": {"input_variables": {"Assets and Securities": "2,323,032", "Cash Deposits and Cash Equivalents": "436,032", "Deposits": "13,304,981", "Fees": "19,007", "Goodwill": "935,560", "IT and Equipment Expense": "40,368", "Labor Expense": "205,828", "Liabilities and Borrowings": "10,565,361", "Loans and Leases Receivable": "12,568,642", "Long-term Debt": "1,077,495", "Occupancy": "30,728", "Other Assets": "1,138,651", "Other Compr. Net Income": "-8,945", "Other Expenses": "181,751", "Other Liabilities": "-9,897,949", "Other Net Income": "589,048", "Other Noninterest Expense": "35,032", "Other Revenues": "59,794", "Property, Plant and Equipment": "161,073"}, "output_variables": {"Liabilities": "15,049,888", "Assets": "17,562,990", "Expenses": "512,713", "Revenues": "59,794", "Stockholders Equity": "2,513,102", "Net Income": "136,129", "Comprehensive Net Income": "127,184", "BaseVar": "18,430,896", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}}, "top_rated": false, "trend": -5.0, "value": 0.15307059859171085, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000883948.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000883948.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000883948.svg"}, {"company_id": "0000767405", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000767405.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 59, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 15% points.The greatest weakness of SB Financial Group INC is the variable Loans and Leases Receivable, reducing the Economic Capital Ratio by 35% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 15%, being 0.020% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000767405_2020_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"}, "2013": {"Long-term Debt": "0.793", "Liabilities": "-1.31", "Stockholders Equity": "-1.02", "ECR before LimitedLiability": "-0.896", "Liabilities and Borrowings": "9.29", "Other Liabilities": "-17.6", "Deposits": "-8.02", "Goodwill": "0.995", "Assets": "0.185", "Loans and Leases Receivable": "-32.9", "Cash Deposits and Cash Equivalents": "-1.75", "Assets and Securities": "-4.19", "Other Assets": "9.41", "Property, Plant and Equipment": "0.223", "Expenses": "0.437", "Net Income": "-0.220", "Labor Expense": "0.249", "Other Net Income": "-0.522", "Other Compr. Net Income": "0.437", "Comprehensive Net Income": "0.222", "Economic Capital Ratio": "-1.04"}, "2014": {"Deposits": "-6.65", "Liabilities": "-0.852", "Stockholders Equity": "0.337", "ECR before LimitedLiability": "-0.480", "Other Liabilities": "-18.8", "Liabilities and Borrowings": "11.8", "Long-term Debt": "1.25", "Assets": "1.03", "Other Assets": "12.5", "Property, Plant and Equipment": "0.315", "Assets and Securities": "-4.17", "Goodwill": "0.914", "Loans and Leases Receivable": "-33.8", "Expenses": "0.795", "Revenues": "-0.290", "Net Income": "-0.482", "Labor Expense": "0.320", "Other Revenues": "-0.290", "Comprehensive Net Income": "-0.638", "Other Net Income": "-0.993", "Economic Capital Ratio": "-0.515"}, "2015": {"Loans and Leases Receivable": "-34.5", "Assets": "0.297", "Deposits": "-6.16", "Stockholders Equity": "0.545", "ECR before LimitedLiability": "1.16", "Assets and Securities": "-3.74", "Property, Plant and Equipment": "0.830", "Cash Deposits and Cash Equivalents": "-0.888", "Goodwill": "0.804", "Other Assets": "12.9", "Other Revenues": "-0.326", "Revenues": "-0.326", "Net Income": "0.490", "Other Expenses": "-0.307", "Other Liabilities": "-3.66", "Liabilities and Borrowings": "7.05", "Long-term Debt": "1.18", "Comprehensive Net Income": "0.640", "Labor Expense": "0.282", "Other Net Income": "0.613", "Economic Capital Ratio": "1.12"}, "2016": {"Liabilities and Borrowings": "8.20", "Liabilities": "-0.318", "ECR before LimitedLiability": "0.726", "Deposits": "-7.29", "Other Liabilities": "-5.03", "Long-term Debt": "0.853", "Expenses": "0.443", "Net Income": "0.439", "Labor Expense": "0.450", "Other Revenues": "-0.509", "Revenues": "-0.509", "Comprehensive Net Income": "0.763", "Other Net Income": "0.502", "Other Compr. Net Income": "0.325", "Economic Capital Ratio": "0.682", "Goodwill": "-1.01", "Cash Deposits and Cash Equivalents": "-1.60", "Property, Plant and Equipment": "0.650", "Other Assets": "12.5", "Loans and Leases Receivable": "-35.2", "Assets and Securities": "-4.53"}, "2017": {"Other Liabilities": "-5.94", "Liabilities": "-1.00", "ECR before LimitedLiability": "1.15", "Liabilities and Borrowings": "8.64", "Long-term Debt": "0.780", "Deposits": "-7.27", "Loans and Leases Receivable": "-35.5", "Assets": "0.720", "Cash Deposits and Cash Equivalents": "-0.773", "Assets and Securities": "-4.11", "Other Assets": "13.5", "Property, Plant and Equipment": "0.714", "Goodwill": "-1.15", "Expenses": "1.70", "Net Income": "1.48", "Other Expenses": "0.849", "Labor Expense": "0.545", "Other Revenues": "-0.549", "Revenues": "-0.549", "Comprehensive Net Income": "1.44", "Economic Capital Ratio": "1.10"}, "2018": {"Other Liabilities": "-8.85", "Liabilities": "-1.94", "Stockholders Equity": "1.96", "ECR before LimitedLiability": "2.56", "Long-term Debt": "0.674", "Liabilities and Borrowings": "10.6", "Deposits": "-7.82", "Property, Plant and Equipment": "0.676", "Assets": "3.40", "Assets and Securities": "-7.38", "Other Assets": "15.3", "Loans and Leases Receivable": "-33.8", "Goodwill": "-1.20", "Labor Expense": "2.08", "Expenses": "3.70", "Revenues": "-0.785", "Net Income": "0.731", "Other Revenues": "-0.785", "Comprehensive Net Income": "1.05", "Other Net Income": "-2.21", "Economic Capital Ratio": "2.48"}, "2019": {"Long-term Debt": "0.568", "Liabilities": "-2.93", "Stockholders Equity": "1.58", "Economic Capital Ratio": "0.0201", "Deposits": "-7.87", "Other Liabilities": "-11.1", "Liabilities and Borrowings": "11.4", "Loans and Leases Receivable": "-34.8", "Assets": "3.85", "Other Assets": "15.3", "Goodwill": "-1.20", "Property, Plant and Equipment": "0.738", "Cash Deposits and Cash Equivalents": "-1.44", "Assets and Securities": "-7.55", "Expenses": "3.96", "Revenues": "-0.830", "Comprehensive Net Income": "-0.755", "Other Expenses": "0.703", "Labor Expense": "2.07", "Other Revenues": "-0.830", "Other Compr. Net Income": "-0.869", "Other Net Income": "-3.05"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "1,738", "Cash Deposits and Cash Equivalents": "13,137", "Deposits": "518,234", "Fees": "0", "Goodwill": "16,353", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "19,403", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "588,340", "Other Compr. Net Income": "-1,756", "Other Expenses": "2,243", "Other Liabilities": "37,848", "Other Net Income": "7,448", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "12,186"}, "output_variables": {"Liabilities": "575,485", "Assets": "631,754", "Expenses": "2,243", "Revenues": "0", "Stockholders Equity": "56,269", "Net Income": "5,205", "Comprehensive Net Income": "3,449", "BaseVar": "624,396", "ECR before LimitedLiability": "9.3%", "Economic Capital Ratio": "9.4%"}}, "2014": {"input_variables": {"Assets and Securities": "1,587", "Cash Deposits and Cash Equivalents": "28,197", "Deposits": "550,906", "Fees": "0", "Goodwill": "16,353", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "17,065", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "624,862", "Other Compr. Net Income": "844", "Other Expenses": "2,085", "Other Liabilities": "40,574", "Other Net Income": "7,348", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "13,229"}, "output_variables": {"Liabilities": "608,545", "Assets": "684,228", "Expenses": "2,085", "Revenues": "0", "Stockholders Equity": "75,683", "Net Income": "5,263", "Comprehensive Net Income": "6,107", "BaseVar": "665,039", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2015": {"input_variables": {"Assets and Securities": "3,310", "Cash Deposits and Cash Equivalents": "20,459", "Deposits": "586,453", "Fees": "0", "Goodwill": "16,353", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "146,246", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "673,939", "Other Compr. Net Income": "412", "Other Expenses": "3,535", "Other Liabilities": "-80,869", "Other Net Income": "11,404", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "19,010"}, "output_variables": {"Liabilities": "651,830", "Assets": "733,071", "Expenses": "3,535", "Revenues": "0", "Stockholders Equity": "81,241", "Net Income": "7,869", "Comprehensive Net Income": "8,281", "BaseVar": "720,313", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2016": {"input_variables": {"Assets and Securities": "3,771", "Cash Deposits and Cash Equivalents": "17,012", "Deposits": "673,073", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "150,764", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "776,093", "Other Compr. Net Income": "-436", "Other Expenses": "4,331", "Other Liabilities": "-94,380", "Other Net Income": "13,337", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "19,129"}, "output_variables": {"Liabilities": "729,457", "Assets": "816,005", "Expenses": "4,331", "Revenues": "0", "Stockholders Equity": "86,548", "Net Income": "9,007", "Comprehensive Net Income": "8,571", "BaseVar": "805,590", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2017": {"input_variables": {"Assets and Securities": "4,923", "Cash Deposits and Cash Equivalents": "26,616", "Deposits": "729,600", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "154,704", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "823,811", "Other Compr. Net Income": "-383", "Other Expenses": "2,513", "Other Liabilities": "-101,677", "Other Net Income": "13,806", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "21,277"}, "output_variables": {"Liabilities": "782,627", "Assets": "876,627", "Expenses": "2,513", "Revenues": "0", "Stockholders Equity": "94,000", "Net Income": "11,292", "Comprehensive Net Income": "10,910", "BaseVar": "859,940", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "14%"}}, "2018": {"input_variables": {"Assets and Securities": "5,575", "Cash Deposits and Cash Equivalents": "48,363", "Deposits": "802,552", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "157,250", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "910,806", "Other Compr. Net Income": "-291", "Other Expenses": "2,800", "Other Liabilities": "-103,409", "Other Net Income": "14,658", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "22,084"}, "output_variables": {"Liabilities": "856,393", "Assets": "986,828", "Expenses": "2,800", "Revenues": "0", "Stockholders Equity": "130,435", "Net Income": "11,858", "Comprehensive Net Income": "11,567", "BaseVar": "953,826", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2019": {"input_variables": {"Assets and Securities": "9,038", "Cash Deposits and Cash Equivalents": "27,064", "Deposits": "840,219", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "165,847", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "979,090", "Other Compr. Net Income": "-205", "Other Expenses": "2,663", "Other Liabilities": "-103,583", "Other Net Income": "14,681", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "23,385"}, "output_variables": {"Liabilities": "902,483", "Assets": "1,038,577", "Expenses": "2,663", "Revenues": "0", "Stockholders Equity": "136,094", "Net Income": "12,018", "Comprehensive Net Income": "11,813", "BaseVar": "1,002,382", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}}, "top_rated": false, "trend": -36.0, "value": 0.15277145964758088, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000767405.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000767405.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000767405.svg"}, {"company_id": "0001702750", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001702750.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001702750.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001702750.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001702750_256x256.png", "name": "Byline Bancorp INC", "rank": 60, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001702750.svg", "report_text": "The relative strengths and weaknesses of Byline 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 Byline Bancorp INC compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 15% points.The greatest weakness of Byline Bancorp INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 40% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 15%, being 0.032% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001702750_2020_Byline_Bancorp_INC.pdf", "shrinked_graph_json": {"2017": {"Other Liabilities": "-34.2", "Liabilities": "0.289", "Stockholders Equity": "2.38", "ECR before LimitedLiability": "1.42", "Liabilities and Borrowings": "13.6", "Long-term Debt": "0.781", "Deposits": "1.35", "Loans and Leases Receivable": "3.22", "Assets": "1.96", "Cash Deposits and Cash Equivalents": "-1.70", "Assets and Securities": "-4.15", "Other Assets": "3.70", "Property, Plant and Equipment": "1.05", "Expenses": "0.629", "Revenues": "-0.549", "Net Income": "-0.830", "Labor Expense": "0.545", "Other Revenues": "-0.549", "Comprehensive Net Income": "-0.794", "Other Net Income": "-0.912", "Economic Capital Ratio": "1.37"}, "2018": {"Other Liabilities": "-35.7", "Liabilities": "5.70", "Assets": "-4.39", "Stockholders Equity": "0.927", "Economic Capital Ratio": "0.382", "Long-term Debt": "0.732", "Liabilities and Borrowings": "13.2", "Deposits": "4.38", "Assets and Securities": "3.66", "Other Assets": "-9.36", "Loans and Leases Receivable": "2.56", "Cash Deposits and Cash Equivalents": "-1.71", "Labor Expense": "-3.99", "Expenses": "-8.01", "Revenues": "-0.747", "Net Income": "-1.61", "Occupancy": "-0.850", "Other Expenses": "-1.75", "IT and Equipment Expense": "-1.29", "Other Revenues": "-0.747", "Comprehensive Net Income": "-1.37", "Other Net Income": "6.44"}, "2019": {"Liabilities": "6.08", "Stockholders Equity": "0.895", "Economic Capital Ratio": "-0.0322", "Deposits": "5.20", "Other Liabilities": "-39.6", "Liabilities and Borrowings": "15.2", "Loans and Leases Receivable": "-1.52", "Assets": "-4.38", "Other Assets": "-7.45", "Goodwill": "0.645", "Cash Deposits and Cash Equivalents": "-2.66", "Assets and Securities": "6.78", "Expenses": "-8.09", "Revenues": "-0.748", "Net Income": "-1.61", "Other Expenses": "-1.92", "Occupancy": "-0.785", "Labor Expense": "-4.39", "IT and Equipment Expense": "-0.883", "Other Revenues": "-0.748", "Comprehensive Net Income": "-1.86", "Other Net Income": "6.92"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001702750_strength_weakness.svg", "table_records": {"2017": {"input_variables": {"Assets and Securities": "16,106", "Cash Deposits and Cash Equivalents": "58,349", "Deposits": "2,443,329", "Fees": "0", "Goodwill": "51,975", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "2,260,786", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "883,690", "Other Compr. Net Income": "0", "Other Expenses": "19,099", "Other Liabilities": "464,223", "Other Net Income": "40,794", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "95,224"}, "output_variables": {"Liabilities": "2,907,552", "Assets": "3,366,130", "Expenses": "19,099", "Revenues": "0", "Stockholders Equity": "458,578", "Net Income": "21,695", "Comprehensive Net Income": "21,695", "BaseVar": "3,245,547", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2018": {"input_variables": {"Assets and Securities": "849,417", "Cash Deposits and Cash Equivalents": "121,860", "Deposits": "3,749,916", "Fees": "0", "Goodwill": "128,177", "IT and Equipment Expense": "20,661", "Labor Expense": "80,382", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "3,476,425", "Long-term Debt": "0", "Occupancy": "15,829", "Other Assets": "269,015", "Other Compr. Net Income": "-3,648", "Other Expenses": "42,770", "Other Liabilities": "541,986", "Other Net Income": "202,456", "Other Noninterest Expense": "10,614", "Other Revenues": "1,545", "Property, Plant and Equipment": "97,680"}, "output_variables": {"Liabilities": "4,291,902", "Assets": "4,942,574", "Expenses": "170,256", "Revenues": "1,545", "Stockholders Equity": "650,672", "Net Income": "33,745", "Comprehensive Net Income": "30,097", "BaseVar": "5,303,136", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2019": {"input_variables": {"Assets and Securities": "1,215,428", "Cash Deposits and Cash Equivalents": "80,737", "Deposits": "4,147,577", "Fees": "0", "Goodwill": "148,353", "IT and Equipment Expense": "16,836", "Labor Expense": "95,309", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "3,753,725", "Long-term Debt": "0", "Occupancy": "16,668", "Other Assets": "227,426", "Other Compr. Net Income": "10,238", "Other Expenses": "54,221", "Other Liabilities": "624,117", "Other Net Income": "237,978", "Other Noninterest Expense": "11,034", "Other Revenues": "2,578", "Property, Plant and Equipment": "96,140"}, "output_variables": {"Liabilities": "4,771,694", "Assets": "5,521,809", "Expenses": "194,068", "Revenues": "2,578", "Stockholders Equity": "750,115", "Net Income": "46,488", "Comprehensive Net Income": "56,726", "BaseVar": "5,954,176", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}}, "top_rated": false, "trend": -2.0, "value": 0.1522488639230281, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001702750.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001702750.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001702750.svg"}, {"company_id": "0001341317", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001341317.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001341317.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001341317.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001341317_256x256.png", "name": "Bridgewater Bancshares Inc", "rank": 61, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001341317.svg", "report_text": "The relative strengths and weaknesses of Bridgewater 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 Bridgewater Bancshares Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 15% points.The greatest weakness of Bridgewater Bancshares Inc is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 31% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 15%, being 0.090% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001341317_2020_Bridgewater_Bancshares_Inc.pdf", "shrinked_graph_json": {"2019": {"Long-term Debt": "0.574", "Liabilities": "-3.21", "Stockholders Equity": "-0.532", "Economic Capital Ratio": "-0.0904", "Deposits": "-5.60", "Other Liabilities": "14.9", "Liabilities and Borrowings": "-30.6", "Loans and Leases Receivable": "12.9", "Assets": "2.13", "Other Assets": "-8.71", "Goodwill": "-1.13", "Cash Deposits and Cash Equivalents": "-2.35", "Assets and Securities": "1.13", "Other Noninterest Expense": "0.442", "Expenses": "3.84", "Revenues": "-0.839", "Net Income": "0.897", "Other Expenses": "0.546", "Labor Expense": "2.10", "Other Revenues": "-0.839", "Comprehensive Net Income": "1.09", "Other Net Income": "-2.14"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001341317_strength_weakness.svg", "table_records": {"2019": {"input_variables": {"Assets and Securities": "304,527", "Cash Deposits and Cash Equivalents": "31,935", "Deposits": "1,823,310", "Fees": "0", "Goodwill": "2,626", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,400,312", "Loans and Leases Receivable": "1,884,000", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "18,114", "Other Compr. Net Income": "6,342", "Other Expenses": "6,923", "Other Liabilities": "-1,199,586", "Other Net Income": "38,326", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "27,628"}, "output_variables": {"Liabilities": "2,024,036", "Assets": "2,268,830", "Expenses": "6,923", "Revenues": "0", "Stockholders Equity": "244,794", "Net Income": "31,403", "Comprehensive Net Income": "37,745", "BaseVar": "2,240,071", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}}, "top_rated": false, "trend": null, "value": 0.15166668458170252, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001341317.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001341317.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001341317.svg"}, {"company_id": "0001093672", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001093672.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 62, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 Liabilities and Borrowings, increasing the Economic Capital Ratio by 15% points.The greatest weakness of Peoples Bancorp OF North Carolina INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 28% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 15%, being 0.18% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001093672_2020_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"}, "2013": {"Long-term Debt": "0.635", "Liabilities": "-1.59", "Stockholders Equity": "-1.42", "Goodwill": "-0.664", "Liabilities and Borrowings": "7.07", "Other Liabilities": "-26.2", "Deposits": "-3.10", "Expenses": "0.822", "Revenues": "-0.121", "Net Income": "-0.715", "Other Expenses": "0.521", "Labor Expense": "0.204", "Other Revenues": "-0.121", "ECR before LimitedLiability": "-3.23", "Loans and Leases Receivable": "1.12", "Cash Deposits and Cash Equivalents": "1.55", "Assets and Securities": "7.07", "Other Assets": "-17.4", "Comprehensive Net Income": "-1.50", "Other Net Income": "-1.54", "Other Compr. Net Income": "-0.737", "Economic Capital Ratio": "-3.38"}, "2014": {"Deposits": "-3.50", "Liabilities": "-1.03", "Cash Deposits and Cash Equivalents": "1.83", "Stockholders Equity": "-1.07", "ECR before LimitedLiability": "0.594", "Other Liabilities": "-26.2", "Liabilities and Borrowings": "13.1", "Long-term Debt": "1.28", "Expenses": "1.27", "Revenues": "-0.294", "Comprehensive Net Income": "1.74", "Other Expenses": "0.745", "Labor Expense": "0.325", "Other Revenues": "-0.294", "Other Assets": "-15.9", "Assets and Securities": "12.2", "Goodwill": "-0.855", "Loans and Leases Receivable": "1.00", "Other Net Income": "-1.02", "Other Compr. Net Income": "1.77", "Economic Capital Ratio": "0.559"}, "2015": {"Deposits": "-6.45", "Liabilities": "-0.902", "Stockholders Equity": "-0.213", "Economic Capital Ratio": "0", "Long-term Debt": "1.14", "Other Liabilities": "-24.9", "Liabilities and Borrowings": "11.7", "Loans and Leases Receivable": "3.17", "Assets": "0.568", "Assets and Securities": "10.9", "Property, Plant and Equipment": "0.122", "Cash Deposits and Cash Equivalents": "-0.112", "Goodwill": "-0.836", "Other Assets": "-15.4", "Expenses": "0.806", "Revenues": "-0.320", "Comprehensive Net Income": "0.381", "Other Expenses": "0.312", "Labor Expense": "0.276", "Other Revenues": "-0.320", "Other Compr. Net Income": "0.304", "Other Net Income": "-0.416"}, "2016": {"Liabilities and Borrowings": "10.4", "Liabilities": "-1.49", "Stockholders Equity": "-0.474", "ECR before LimitedLiability": "-1.35", "Deposits": "-7.25", "Other Liabilities": "-24.9", "Long-term Debt": "0.793", "Assets and Securities": "8.82", "Assets": "0.822", "Other Assets": "-13.5", "Goodwill": "-0.984", "Loans and Leases Receivable": "2.47", "Cash Deposits and Cash Equivalents": "1.55", "Other Expenses": "0.691", "Expenses": "1.35", "Revenues": "-0.486", "Comprehensive Net Income": "-0.668", "Labor Expense": "0.425", "Other Revenues": "-0.486", "Other Net Income": "-1.32", "Economic Capital Ratio": "-1.39"}, "2017": {"Other Liabilities": "-24.5", "Liabilities": "-1.33", "Stockholders Equity": "-0.182", "Economic Capital Ratio": "-0.143", "Liabilities and Borrowings": "12.2", "Long-term Debt": "0.761", "Deposits": "-7.25", "Loans and Leases Receivable": "3.79", "Assets": "0.952", "Cash Deposits and Cash Equivalents": "0.864", "Assets and Securities": "9.88", "Other Assets": "-12.8", "Property, Plant and Equipment": "0.269", "Goodwill": "-1.15", "Expenses": "1.41", "Revenues": "-0.543", "Net Income": "0.264", "Other Expenses": "0.572", "Labor Expense": "0.537", "Other Revenues": "-0.543", "Comprehensive Net Income": "0.300", "Other Net Income": "-0.624"}, "2018": {"Other Liabilities": "-29.7", "Liabilities": "-2.64", "Economic Capital Ratio": "0.187", "Long-term Debt": "0.660", "Liabilities and Borrowings": "13.0", "Deposits": "-5.69", "Assets": "2.44", "Assets and Securities": "5.06", "Other Assets": "-9.67", "Loans and Leases Receivable": "7.98", "Goodwill": "-1.21", "Labor Expense": "2.05", "Expenses": "3.76", "Net Income": "0.838", "Occupancy": "0.348", "Other Noninterest Expense": "0.489", "Other Expenses": "0.522", "Other Revenues": "-0.783", "Revenues": "-0.783", "Comprehensive Net Income": "0.412", "Other Net Income": "-2.28", "Other Compr. Net Income": "-0.429"}, "2019": {"Long-term Debt": "0.570", "Liabilities": "-3.20", "Economic Capital Ratio": "-0.181", "Deposits": "-9.57", "Other Liabilities": "-27.7", "Liabilities and Borrowings": "15.0", "Loans and Leases Receivable": "7.00", "Assets": "2.83", "Other Assets": "-6.87", "Goodwill": "-1.21", "Assets and Securities": "4.15", "Other Noninterest Expense": "0.440", "Expenses": "3.93", "Revenues": "-0.834", "Net Income": "0.304", "Other Expenses": "0.661", "Occupancy": "0.349", "Labor Expense": "2.08", "IT and Equipment Expense": "0.272", "Other Revenues": "-0.834", "Comprehensive Net Income": "0.316", "Other Net Income": "-2.83"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "302,880", "Cash Deposits and Cash Equivalents": "76,773", "Deposits": "799,361", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "607,459", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "31,214", "Other Compr. Net Income": "-6,784", "Other Expenses": "1,879", "Other Liabilities": "151,604", "Other Net Income": "8,570", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "16,358"}, "output_variables": {"Liabilities": "950,965", "Assets": "1,034,684", "Expenses": "1,879", "Revenues": "0", "Stockholders Equity": "83,719", "Net Income": "6,691", "Comprehensive Net Income": "-93", "BaseVar": "1,024,102", "ECR before LimitedLiability": "6.5%", "Economic Capital Ratio": "7.1%"}}, "2014": {"input_variables": {"Assets and Securities": "285,130", "Cash Deposits and Cash Equivalents": "69,098", "Deposits": "814,700", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "640,809", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "28,457", "Other Compr. Net Income": "-6,757", "Other Expenses": "1,944", "Other Liabilities": "127,129", "Other Net Income": "12,017", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "17,000"}, "output_variables": {"Liabilities": "941,829", "Assets": "1,040,494", "Expenses": "1,944", "Revenues": "0", "Stockholders Equity": "98,665", "Net Income": "10,073", "Comprehensive Net Income": "3,316", "BaseVar": "1,028,763", "ECR before LimitedLiability": "8.9%", "Economic Capital Ratio": "9.1%"}}, "2015": {"input_variables": {"Assets and Securities": "272,166", "Cash Deposits and Cash Equivalents": "39,763", "Deposits": "832,175", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "679,502", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "30,074", "Other Compr. Net Income": "3,719", "Other Expenses": "3,281", "Other Liabilities": "101,442", "Other Net Income": "13,189", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "16,976"}, "output_variables": {"Liabilities": "933,617", "Assets": "1,038,481", "Expenses": "3,281", "Revenues": "0", "Stockholders Equity": "104,864", "Net Income": "9,908", "Comprehensive Net Income": "13,627", "BaseVar": "1,022,692", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2016": {"input_variables": {"Assets and Securities": "252,581", "Cash Deposits and Cash Equivalents": "70,094", "Deposits": "892,918", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "716,261", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "32,603", "Other Compr. Net Income": "-1,454", "Other Expenses": "2,606", "Other Liabilities": "87,645", "Other Net Income": "11,472", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "16,452"}, "output_variables": {"Liabilities": "980,563", "Assets": "1,087,991", "Expenses": "2,606", "Revenues": "0", "Stockholders Equity": "107,428", "Net Income": "8,867", "Comprehensive Net Income": "7,413", "BaseVar": "1,062,467", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2017": {"input_variables": {"Assets and Securities": "231,151", "Cash Deposits and Cash Equivalents": "57,304", "Deposits": "906,952", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "753,398", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "30,402", "Other Compr. Net Income": "-1,060", "Other Expenses": "3,647", "Other Liabilities": "69,239", "Other Net Income": "14,699", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "19,911"}, "output_variables": {"Liabilities": "976,191", "Assets": "1,092,166", "Expenses": "3,647", "Revenues": "0", "Stockholders Equity": "115,975", "Net Income": "11,052", "Comprehensive Net Income": "9,992", "BaseVar": "1,069,399", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2018": {"input_variables": {"Assets and Securities": "198,939", "Cash Deposits and Cash Equivalents": "43,370", "Deposits": "877,213", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "797,578", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "34,914", "Other Compr. Net Income": "-1,499", "Other Expenses": "3,079", "Other Liabilities": "92,421", "Other Net Income": "16,506", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "18,450"}, "output_variables": {"Liabilities": "969,634", "Assets": "1,093,251", "Expenses": "3,079", "Revenues": "0", "Stockholders Equity": "123,617", "Net Income": "13,427", "Comprehensive Net Income": "11,928", "BaseVar": "1,069,709", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2019": {"input_variables": {"Assets and Securities": "199,977", "Cash Deposits and Cash Equivalents": "52,387", "Deposits": "966,517", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "843,194", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "40,720", "Other Compr. Net Income": "308", "Other Expenses": "2,967", "Other Liabilities": "54,245", "Other Net Income": "17,581", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "18,604"}, "output_variables": {"Liabilities": "1,020,762", "Assets": "1,154,882", "Expenses": "2,967", "Revenues": "0", "Stockholders Equity": "134,120", "Net Income": "14,614", "Comprehensive Net Income": "14,922", "BaseVar": "1,125,677", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}}, "top_rated": false, "trend": 0.0, "value": 0.1507639848542878, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001093672.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001093672.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001093672.svg"}, {"company_id": "0000920112", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000920112.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 63, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 15% points.The greatest weakness of Heartland Financial USA INC 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 15%, being 0.22% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000920112_2020_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"}, "2013": {"Long-term Debt": "0.616", "Liabilities": "-1.96", "Stockholders Equity": "-1.84", "Liabilities and Borrowings": "6.81", "Other Liabilities": "-25.0", "Deposits": "-4.20", "Expenses": "0.818", "Net Income": "-0.769", "Other Expenses": "0.525", "Labor Expense": "0.198", "Comprehensive Net Income": "-1.28", "ECR before LimitedLiability": "-3.49", "Goodwill": "-0.293", "Loans and Leases Receivable": "0.907", "Cash Deposits and Cash Equivalents": "-1.47", "Assets and Securities": "-3.06", "Other Assets": "3.00", "Property, Plant and Equipment": "0.377", "Other Net Income": "-1.60", "Other Compr. Net Income": "-0.475", "Economic Capital Ratio": "-3.64"}, "2014": {"Deposits": "-3.92", "Liabilities": "-2.24", "Cash Deposits and Cash Equivalents": "-2.10", "Stockholders Equity": "-2.02", "ECR before LimitedLiability": "-2.48", "Other Liabilities": "-26.3", "Liabilities and Borrowings": "10.4", "Long-term Debt": "1.17", "Expenses": "1.08", "Revenues": "-0.280", "Net Income": "-0.784", "Other Expenses": "0.591", "Labor Expense": "0.306", "Other Revenues": "-0.280", "Other Assets": "3.16", "Property, Plant and Equipment": "0.448", "Assets and Securities": "-3.63", "Goodwill": "-0.415", "Loans and Leases Receivable": "2.27", "Other Net Income": "-1.63", "Economic Capital Ratio": "-2.52", "Other Compr. Net Income": "0.516"}, "2015": {"Deposits": "-8.75", "Liabilities": "-1.66", "Loans and Leases Receivable": "2.00", "Stockholders Equity": "-1.37", "ECR before LimitedLiability": "-2.09", "Long-term Debt": "1.04", "Other Liabilities": "-22.5", "Liabilities and Borrowings": "9.64", "Expenses": "0.844", "Revenues": "-0.302", "Net Income": "-0.464", "Other Expenses": "0.391", "Labor Expense": "0.258", "Other Revenues": "-0.302", "Assets and Securities": "-3.07", "Property, Plant and Equipment": "0.294", "Cash Deposits and Cash Equivalents": "-0.448", "Other Assets": "1.10", "Comprehensive Net Income": "-0.542", "Other Net Income": "-1.04", "Economic Capital Ratio": "-2.13"}, "2016": {"Liabilities and Borrowings": "9.89", "Liabilities": "-1.02", "Stockholders Equity": "-1.28", "ECR before LimitedLiability": "-1.86", "Deposits": "-6.95", "Other Liabilities": "-24.9", "Long-term Debt": "0.782", "Assets and Securities": "-3.79", "Assets": "-0.299", "Property, Plant and Equipment": "0.356", "Other Assets": "3.56", "Loans and Leases Receivable": "0.698", "Cash Deposits and Cash Equivalents": "-1.69", "Expenses": "0.642", "Revenues": "-0.483", "Comprehensive Net Income": "-0.486", "Labor Expense": "0.421", "Other Revenues": "-0.483", "Other Net Income": "-0.150", "Other Compr. Net Income": "-0.509", "Economic Capital Ratio": "-1.90"}, "2017": {"Other Liabilities": "-25.0", "Liabilities": "-1.40", "Stockholders Equity": "-0.629", "ECR before LimitedLiability": "-0.758", "Liabilities and Borrowings": "11.5", "Long-term Debt": "0.751", "Deposits": "-6.85", "Loans and Leases Receivable": "0.403", "Assets": "0.606", "Cash Deposits and Cash Equivalents": "-1.53", "Assets and Securities": "-3.76", "Other Assets": "4.45", "Goodwill": "0.616", "Expenses": "1.09", "Revenues": "-0.539", "Net Income": "-0.399", "Labor Expense": "0.532", "Other Revenues": "-0.539", "Other Net Income": "-0.973", "Economic Capital Ratio": "-0.807", "Other Compr. Net Income": "0.455"}, "2018": {"Other Liabilities": "-29.4", "Liabilities": "5.23", "Stockholders Equity": "-0.427", "ECR before LimitedLiability": "0.467", "Long-term Debt": "0.733", "Liabilities and Borrowings": "13.2", "Deposits": "-0.397", "Assets": "-5.06", "Assets and Securities": "7.02", "Other Assets": "-9.27", "Loans and Leases Receivable": "-2.33", "Goodwill": "1.20", "Cash Deposits and Cash Equivalents": "-1.77", "Labor Expense": "-4.29", "Expenses": "-7.53", "Fees": "-1.29", "Occupancy": "-0.462", "Other Noninterest Expense": "-1.12", "Other Revenues": "1.77", "Revenues": "1.77", "Economic Capital Ratio": "0.380", "Other Net Income": "5.08"}, "2019": {"Long-term Debt": "0.625", "Liabilities": "4.21", "Economic Capital Ratio": "-0.215", "Deposits": "-2.77", "Other Liabilities": "-30.0", "Liabilities and Borrowings": "15.0", "Loans and Leases Receivable": "-4.81", "Assets": "-3.83", "Other Assets": "-8.12", "Goodwill": "1.17", "Cash Deposits and Cash Equivalents": "-1.60", "Assets and Securities": "9.55", "Other Noninterest Expense": "-1.10", "Expenses": "-5.74", "Net Income": "-0.455", "Fees": "-1.29", "Other Expenses": "0.624", "Labor Expense": "-3.56", "Other Revenues": "1.66", "Revenues": "1.66", "Comprehensive Net Income": "-0.517", "Other Net Income": "3.58"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "78,700", "Cash Deposits and Cash Equivalents": "125,270", "Deposits": "4,666,499", "Fees": "0", "Goodwill": "35,583", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "3,461,016", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "2,087,433", "Other Compr. Net Income": "-34,041", "Other Expenses": "10,335", "Other Liabilities": "817,757", "Other Net Income": "47,188", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "135,714"}, "output_variables": {"Liabilities": "5,484,256", "Assets": "5,923,716", "Expenses": "10,335", "Revenues": "0", "Stockholders Equity": "439,460", "Net Income": "36,853", "Comprehensive Net Income": "2,812", "BaseVar": "5,870,175", "ECR before LimitedLiability": "6.1%", "Economic Capital Ratio": "6.8%"}}, "2014": {"input_variables": {"Assets and Securities": "59,983", "Cash Deposits and Cash Equivalents": "73,871", "Deposits": "4,768,022", "Fees": "0", "Goodwill": "35,583", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "3,836,554", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,915,658", "Other Compr. Net Income": "18,864", "Other Expenses": "13,096", "Other Liabilities": "788,023", "Other Net Income": "54,996", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "130,713"}, "output_variables": {"Liabilities": "5,556,045", "Assets": "6,052,362", "Expenses": "13,096", "Revenues": "0", "Stockholders Equity": "496,317", "Net Income": "41,900", "Comprehensive Net Income": "60,764", "BaseVar": "5,962,029", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2015": {"input_variables": {"Assets and Securities": "100,256", "Cash Deposits and Cash Equivalents": "258,799", "Deposits": "6,405,823", "Fees": "0", "Goodwill": "97,900", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "4,952,801", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "2,138,739", "Other Compr. Net Income": "9,481", "Other Expenses": "18,932", "Other Liabilities": "625,758", "Other Net Income": "75,560", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "146,259"}, "output_variables": {"Liabilities": "7,031,581", "Assets": "7,694,754", "Expenses": "18,932", "Revenues": "0", "Stockholders Equity": "663,173", "Net Income": "56,628", "Comprehensive Net Income": "66,110", "BaseVar": "7,551,878", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2016": {"input_variables": {"Assets and Securities": "123,869", "Cash Deposits and Cash Equivalents": "158,724", "Deposits": "6,847,411", "Fees": "0", "Goodwill": "127,699", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "5,297,395", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "2,375,778", "Other Compr. Net Income": "-17,613", "Other Expenses": "36,620", "Other Liabilities": "658,752", "Other Net Income": "114,704", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "163,614"}, "output_variables": {"Liabilities": "7,506,163", "Assets": "8,247,079", "Expenses": "36,620", "Revenues": "0", "Stockholders Equity": "740,916", "Net Income": "78,084", "Comprehensive Net Income": "60,471", "BaseVar": "8,183,242", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2017": {"input_variables": {"Assets and Securities": "106,141", "Cash Deposits and Cash Equivalents": "196,003", "Deposits": "8,146,909", "Fees": "0", "Goodwill": "236,615", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "6,335,778", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "2,763,878", "Other Compr. Net Income": "-6,668", "Other Expenses": "45,344", "Other Liabilities": "672,373", "Other Net Income": "119,004", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "172,324"}, "output_variables": {"Liabilities": "8,819,282", "Assets": "9,810,739", "Expenses": "45,344", "Revenues": "0", "Stockholders Equity": "991,457", "Net Income": "73,660", "Comprehensive Net Income": "66,993", "BaseVar": "9,625,405", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2018": {"input_variables": {"Assets and Securities": "2,565,550", "Cash Deposits and Cash Equivalents": "273,630", "Deposits": "9,396,429", "Fees": "43,510", "Goodwill": "391,700", "IT and Equipment Expense": "12,529", "Labor Expense": "196,118", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "7,345,734", "Long-term Debt": "0", "Occupancy": "25,328", "Other Assets": "643,974", "Other Compr. Net Income": "1,282", "Other Expenses": "59,194", "Other Liabilities": "686,402", "Other Net Income": "436,789", "Other Noninterest Expense": "49,673", "Other Revenues": "79,167", "Property, Plant and Equipment": "187,418"}, "output_variables": {"Liabilities": "10,082,831", "Assets": "11,408,006", "Expenses": "386,352", "Revenues": "79,167", "Stockholders Equity": "1,325,175", "Net Income": "129,604", "Comprehensive Net Income": "130,886", "BaseVar": "12,385,433", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2019": {"input_variables": {"Assets and Securities": "3,503,115", "Cash Deposits and Cash Equivalents": "378,734", "Deposits": "11,044,331", "Fees": "51,168", "Goodwill": "446,345", "IT and Equipment Expense": "12,114", "Labor Expense": "200,643", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "8,297,522", "Long-term Debt": "0", "Occupancy": "25,451", "Other Assets": "386,323", "Other Compr. Net Income": "11,336", "Other Expenses": "41,807", "Other Liabilities": "587,129", "Other Net Income": "447,978", "Other Noninterest Expense": "54,664", "Other Revenues": "89,795", "Property, Plant and Equipment": "197,558"}, "output_variables": {"Liabilities": "11,631,460", "Assets": "13,209,597", "Expenses": "385,846", "Revenues": "89,795", "Stockholders Equity": "1,578,137", "Net Income": "151,927", "Comprehensive Net Income": "163,263", "BaseVar": "14,117,473", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}}, "top_rated": false, "trend": -4.0, "value": 0.15041766478399943, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000920112.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000920112.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000920112.svg"}, {"company_id": "0000714395", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000714395.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0000714395.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000714395.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000714395_256x256.png", "name": "German American Bancorp INC", "rank": 64, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0000714395.svg", "report_text": "The relative strengths and weaknesses of German American 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 German American Bancorp INC compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 15% points.The greatest weakness of German American Bancorp INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 35% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 15%, being 0.35% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000714395_2020_German_American_Bancorp_INC.pdf", "shrinked_graph_json": {"2013": {"Long-term Debt": "0.806", "Liabilities": "0.334", "Stockholders Equity": "-0.911", "ECR before LimitedLiability": "-0.953", "Liabilities and Borrowings": "9.33", "Other Liabilities": "-195", "Deposits": "9.35", "Assets": "-1.16", "Loans and Leases Receivable": "3.40", "Cash Deposits and Cash Equivalents": "-1.31", "Assets and Securities": "-3.99", "Other Assets": "0.180", "Property, Plant and Equipment": "0.160", "Other Revenues": "-0.148", "Revenues": "-0.148", "Net Income": "0.907", "Other Net Income": "1.17", "Other Expenses": "-0.537", "Labor Expense": "0.253", "Economic Capital Ratio": "-1.10", "Other Compr. Net Income": "-1.09"}, "2014": {"Deposits": "14.5", "Liabilities": "6.36", "Assets": "-6.59", "Stockholders Equity": "-1.28", "ECR before LimitedLiability": "1.60", "Other Liabilities": "-207", "Liabilities and Borrowings": "14.3", "Long-term Debt": "1.42", "Cash Deposits and Cash Equivalents": "-1.91", "Assets and Securities": "-4.04", "Loans and Leases Receivable": "-1.26", "Expenses": "-7.68", "Revenues": "3.71", "Net Income": "3.07", "Labor Expense": "-5.23", "Other Noninterest Expense": "-1.21", "Other Revenues": "3.71", "Comprehensive Net Income": "1.73", "Other Net Income": "6.64", "Other Compr. Net Income": "-1.37", "Economic Capital Ratio": "1.57"}, "2015": {"Deposits": "13.7", "Liabilities": "6.83", "Assets": "-6.85", "ECR before LimitedLiability": "1.91", "Long-term Debt": "1.31", "Other Liabilities": "-213", "Liabilities and Borrowings": "13.6", "Loans and Leases Receivable": "-1.58", "Assets and Securities": "-3.79", "Cash Deposits and Cash Equivalents": "-1.61", "Expenses": "-7.71", "Net Income": "2.83", "Other Expenses": "0.893", "Labor Expense": "-5.34", "Other Noninterest Expense": "-1.12", "Other Revenues": "3.95", "Revenues": "3.95", "Other Compr. Net Income": "-1.40", "Comprehensive Net Income": "1.47", "Other Net Income": "6.08", "Economic Capital Ratio": "1.87"}, "2016": {"Liabilities and Borrowings": "12.4", "Liabilities": "6.47", "Economic Capital Ratio": "0.574", "Deposits": "12.4", "Other Liabilities": "-221", "Long-term Debt": "0.937", "Assets and Securities": "-4.72", "Assets": "-6.69", "Other Assets": "0.994", "Loans and Leases Receivable": "-1.52", "Cash Deposits and Cash Equivalents": "-1.83", "Other Expenses": "1.31", "Expenses": "-7.32", "Revenues": "3.41", "Net Income": "2.26", "IT and Equipment Expense": "-0.950", "Labor Expense": "-5.20", "Occupancy": "-0.709", "Other Noninterest Expense": "-1.19", "Other Revenues": "3.41", "Other Net Income": "5.44", "Other Compr. Net Income": "-2.45"}, "2017": {"Other Liabilities": "-227", "Liabilities": "6.21", "Assets": "-5.46", "ECR before LimitedLiability": "2.63", "Liabilities and Borrowings": "14.9", "Long-term Debt": "0.864", "Deposits": "15.0", "Loans and Leases Receivable": "-1.41", "Cash Deposits and Cash Equivalents": "-1.61", "Assets and Securities": "-4.19", "Other Assets": "1.59", "Expenses": "-6.42", "Net Income": "2.72", "Other Noninterest Expense": "-1.05", "Other Expenses": "1.60", "Labor Expense": "-5.11", "Other Revenues": "3.27", "Revenues": "3.27", "Comprehensive Net Income": "1.88", "Other Net Income": "5.70", "Economic Capital Ratio": "2.58"}, "2018": {"Other Liabilities": "-33.1", "Liabilities": "2.65", "Assets": "-2.52", "Comprehensive Net Income": "-2.32", "ECR before LimitedLiability": "-1.91", "Long-term Debt": "0.671", "Liabilities and Borrowings": "10.8", "Deposits": "0.799", "Assets and Securities": "6.08", "Other Assets": "-11.2", "Loans and Leases Receivable": "2.63", "Cash Deposits and Cash Equivalents": "-1.60", "Labor Expense": "-2.74", "Expenses": "-3.93", "Net Income": "-1.48", "Other Noninterest Expense": "-0.702", "Other Expenses": "0.985", "IT and Equipment Expense": "-0.648", "Other Net Income": "2.65", "Other Compr. Net Income": "-0.828", "Economic Capital Ratio": "-1.99"}, "2019": {"Long-term Debt": "0.615", "Liabilities": "3.53", "Stockholders Equity": "0.736", "Economic Capital Ratio": "-0.353", "Deposits": "0.803", "Other Liabilities": "-35.3", "Liabilities and Borrowings": "14.9", "Loans and Leases Receivable": "1.11", "Assets": "-2.29", "Other Assets": "-7.53", "Goodwill": "0.735", "Property, Plant and Equipment": "0.617", "Cash Deposits and Cash Equivalents": "-1.87", "Assets and Securities": "5.14", "Other Noninterest Expense": "-0.884", "Expenses": "-4.65", "Net Income": "-1.49", "Other Net Income": "3.57", "Other Expenses": "1.14", "Labor Expense": "-3.38", "IT and Equipment Expense": "-0.739", "Comprehensive Net Income": "-1.53"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0000714395_strength_weakness.svg", "table_records": {"2013": {"input_variables": {"Assets and Securities": "14,727", "Cash Deposits and Cash Equivalents": "60,232", "Deposits": "0", "Fees": "0", "Goodwill": "20,536", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,367,798", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "660,104", "Other Compr. Net Income": "-15,614", "Other Expenses": "11,464", "Other Liabilities": "1,963,730", "Other Net Income": "36,877", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "40,430"}, "output_variables": {"Liabilities": "1,963,730", "Assets": "2,163,827", "Expenses": "11,464", "Revenues": "0", "Stockholders Equity": "200,097", "Net Income": "25,413", "Comprehensive Net Income": "9,799", "BaseVar": "2,179,857", "ECR before LimitedLiability": "9.2%", "Economic Capital Ratio": "9.4%"}}, "2014": {"input_variables": {"Assets and Securities": "22,031", "Cash Deposits and Cash Equivalents": "42,546", "Deposits": "0", "Fees": "3,407", "Goodwill": "20,536", "IT and Equipment Expense": "5,628", "Labor Expense": "32,710", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,433,053", "Long-term Debt": "0", "Occupancy": "5,094", "Other Assets": "679,003", "Other Compr. Net Income": "-3,916", "Other Expenses": "3,231", "Other Liabilities": "2,008,275", "Other Net Income": "74,189", "Other Noninterest Expense": "7,643", "Other Revenues": "23,937", "Property, Plant and Equipment": "39,930"}, "output_variables": {"Liabilities": "2,008,275", "Assets": "2,237,099", "Expenses": "57,713", "Revenues": "23,937", "Stockholders Equity": "228,824", "Net Income": "40,413", "Comprehensive Net Income": "36,497", "BaseVar": "2,412,642", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2015": {"input_variables": {"Assets and Securities": "21,978", "Cash Deposits and Cash Equivalents": "52,009", "Deposits": "0", "Fees": "3,805", "Goodwill": "20,536", "IT and Equipment Expense": "5,414", "Labor Expense": "35,042", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,549,909", "Long-term Debt": "0", "Occupancy": "4,939", "Other Assets": "691,452", "Other Compr. Net Income": "-10,684", "Other Expenses": "4,459", "Other Liabilities": "2,121,353", "Other Net Income": "75,552", "Other Noninterest Expense": "7,667", "Other Revenues": "27,444", "Property, Plant and Equipment": "37,817"}, "output_variables": {"Liabilities": "2,121,353", "Assets": "2,373,701", "Expenses": "61,326", "Revenues": "27,444", "Stockholders Equity": "252,348", "Net Income": "41,670", "Comprehensive Net Income": "30,986", "BaseVar": "2,565,163", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2016": {"input_variables": {"Assets and Securities": "25,917", "Cash Deposits and Cash Equivalents": "64,816", "Deposits": "0", "Fees": "5,002", "Goodwill": "54,058", "IT and Equipment Expense": "7,815", "Labor Expense": "44,846", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,975,147", "Long-term Debt": "0", "Occupancy": "6,247", "Other Assets": "787,826", "Other Compr. Net Income": "-20,271", "Other Expenses": "3,984", "Other Liabilities": "2,625,727", "Other Net Income": "113,112", "Other Noninterest Expense": "9,849", "Other Revenues": "32,954", "Property, Plant and Equipment": "48,230"}, "output_variables": {"Liabilities": "2,625,727", "Assets": "2,955,994", "Expenses": "77,742", "Revenues": "32,954", "Stockholders Equity": "330,267", "Net Income": "68,324", "Comprehensive Net Income": "48,052", "BaseVar": "3,233,865", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2017": {"input_variables": {"Assets and Securities": "30,451", "Cash Deposits and Cash Equivalents": "70,359", "Deposits": "0", "Fees": "3,711", "Goodwill": "54,058", "IT and Equipment Expense": "7,006", "Labor Expense": "46,956", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "2,125,944", "Long-term Debt": "0", "Occupancy": "6,603", "Other Assets": "809,302", "Other Compr. Net Income": "-14,764", "Other Expenses": "4,210", "Other Liabilities": "2,779,789", "Other Net Income": "102,427", "Other Noninterest Expense": "9,404", "Other Revenues": "31,823", "Property, Plant and Equipment": "54,246"}, "output_variables": {"Liabilities": "2,779,789", "Assets": "3,144,360", "Expenses": "77,889", "Revenues": "31,823", "Stockholders Equity": "364,571", "Net Income": "56,361", "Comprehensive Net Income": "41,597", "BaseVar": "3,373,903", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2018": {"input_variables": {"Assets and Securities": "847,936", "Cash Deposits and Cash Equivalents": "96,800", "Deposits": "3,072,632", "Fees": "6,055", "Goodwill": "103,681", "IT and Equipment Expense": "9,558", "Labor Expense": "51,911", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "2,712,236", "Long-term Debt": "0", "Occupancy": "7,726", "Other Assets": "87,810", "Other Compr. Net Income": "-11,405", "Other Expenses": "4,974", "Other Liabilities": "397,818", "Other Net Income": "135,088", "Other Noninterest Expense": "12,674", "Other Revenues": "-1,712", "Property, Plant and Equipment": "80,627"}, "output_variables": {"Liabilities": "3,470,450", "Assets": "3,929,090", "Expenses": "92,898", "Revenues": "-1,712", "Stockholders Equity": "458,640", "Net Income": "40,478", "Comprehensive Net Income": "29,073", "BaseVar": "4,137,372", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2019": {"input_variables": {"Assets and Securities": "854,825", "Cash Deposits and Cash Equivalents": "105,869", "Deposits": "3,430,021", "Fees": "5,444", "Goodwill": "121,306", "IT and Equipment Expense": "11,635", "Labor Expense": "66,322", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "3,060,813", "Long-term Debt": "0", "Occupancy": "10,182", "Other Assets": "158,208", "Other Compr. Net Income": "-1,869", "Other Expenses": "7,004", "Other Liabilities": "393,831", "Other Net Income": "190,447", "Other Noninterest Expense": "15,674", "Other Revenues": "5,299", "Property, Plant and Equipment": "96,651"}, "output_variables": {"Liabilities": "3,823,852", "Assets": "4,397,672", "Expenses": "116,262", "Revenues": "5,299", "Stockholders Equity": "573,820", "Net Income": "79,484", "Comprehensive Net Income": "77,615", "BaseVar": "4,680,448", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "18%"}}}, "top_rated": false, "trend": 28.0, "value": 0.1490436106083513, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000714395.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000714395.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000714395.svg"}, {"company_id": "0000712771", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000712771.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0000712771.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000712771.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000712771_256x256.png", "name": "Connectone Bancorp Inc", "rank": 65, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0000712771.svg", "report_text": "The relative strengths and weaknesses of Connectone 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 Connectone Bancorp Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 15% points.The greatest weakness of Connectone Bancorp Inc is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 34% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 15%, being 0.50% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000712771_2020_Connectone_Bancorp_Inc.pdf", "shrinked_graph_json": {"2014": {"Liabilities": "-0.543", "Stockholders Equity": "2.00", "Economic Capital Ratio": "-0.0516", "Other Liabilities": "12.9", "Liabilities and Borrowings": "-33.7", "Long-term Debt": "-12.4", "Cash Deposits and Cash Equivalents": "-0.259", "Assets": "2.31", "Other Assets": "-6.11", "Property, Plant and Equipment": "-0.657", "Assets and Securities": "-3.82", "Goodwill": "2.32", "Loans and Leases Receivable": "10.0", "Expenses": "0.957", "Net Income": "-1.32", "Other Expenses": "0.439", "Labor Expense": "0.319", "Other Revenues": "-0.289", "Revenues": "-0.289", "Other Compr. Net Income": "-0.452", "Comprehensive Net Income": "-1.77", "Other Net Income": "-2.00"}, "2015": {"Deposits": "3.08", "Liabilities": "0.778", "Stockholders Equity": "1.21", "ECR before LimitedLiability": "1.62", "Long-term Debt": "-14.9", "Other Liabilities": "13.4", "Liabilities and Borrowings": "-24.1", "Loans and Leases Receivable": "10.3", "Assets": "0.457", "Assets and Securities": "-3.62", "Property, Plant and Equipment": "-0.677", "Cash Deposits and Cash Equivalents": "0.755", "Goodwill": "1.86", "Other Assets": "-8.67", "Other Revenues": "-0.328", "Revenues": "-0.328", "Net Income": "0.460", "Other Expenses": "-0.434", "Comprehensive Net Income": "0.409", "Other Net Income": "0.708", "Economic Capital Ratio": "1.58"}, "2016": {"Liabilities and Borrowings": "-31.5", "Liabilities": "-0.930", "Stockholders Equity": "1.35", "ECR before LimitedLiability": "0.946", "Deposits": "-2.49", "Other Liabilities": "12.7", "Long-term Debt": "-9.14", "Assets and Securities": "-4.18", "Assets": "2.03", "Property, Plant and Equipment": "-0.689", "Other Assets": "-8.05", "Goodwill": "1.45", "Loans and Leases Receivable": "10.9", "Other Expenses": "0.593", "Expenses": "1.29", "Revenues": "-0.501", "Net Income": "-0.901", "Other Revenues": "-0.501", "Other Net Income": "-1.71", "Economic Capital Ratio": "0.903", "Other Compr. Net Income": "0.744"}, "2017": {"Other Liabilities": "12.2", "Liabilities": "-0.831", "Stockholders Equity": "0.166", "ECR before LimitedLiability": "-0.147", "Liabilities and Borrowings": "-30.3", "Long-term Debt": "-11.5", "Deposits": "0.783", "Loans and Leases Receivable": "10.3", "Assets": "0.856", "Cash Deposits and Cash Equivalents": "-0.849", "Assets and Securities": "-4.14", "Other Assets": "-7.07", "Property, Plant and Equipment": "-0.763", "Goodwill": "0.954", "Expenses": "0.922", "Revenues": "-0.544", "Comprehensive Net Income": "-0.146", "Labor Expense": "0.538", "Other Revenues": "-0.544", "Other Net Income": "-0.482", "Economic Capital Ratio": "-0.195"}, "2018": {"Other Liabilities": "13.1", "Liabilities": "-3.21", "Economic Capital Ratio": "0.295", "Long-term Debt": "-9.57", "Liabilities and Borrowings": "-31.7", "Deposits": "-1.23", "Property, Plant and Equipment": "-0.729", "Assets": "2.90", "Assets and Securities": "-7.47", "Other Assets": "-4.49", "Loans and Leases Receivable": "12.2", "Goodwill": "0.766", "Cash Deposits and Cash Equivalents": "-0.859", "Labor Expense": "2.04", "Expenses": "3.89", "Net Income": "0.411", "Other Noninterest Expense": "0.486", "Other Expenses": "0.675", "Other Revenues": "-0.778", "Revenues": "-0.778", "Comprehensive Net Income": "0.600", "Other Net Income": "-2.85"}, "2019": {"Long-term Debt": "-6.97", "Liabilities": "-3.10", "Stockholders Equity": "0.426", "ECR before LimitedLiability": "-0.469", "Deposits": "-3.40", "Other Liabilities": "14.8", "Liabilities and Borrowings": "-33.7", "Loans and Leases Receivable": "12.6", "Assets": "2.93", "Other Assets": "-2.35", "Goodwill": "0.728", "Property, Plant and Equipment": "-0.709", "Cash Deposits and Cash Equivalents": "-0.996", "Assets and Securities": "-7.56", "Other Noninterest Expense": "0.440", "Expenses": "3.68", "Labor Expense": "2.08", "Other Revenues": "-0.834", "Revenues": "-0.834", "Economic Capital Ratio": "-0.497", "Other Net Income": "-2.70"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0000712771_strength_weakness.svg", "table_records": {"2014": {"input_variables": {"Assets and Securities": "22,782", "Cash Deposits and Cash Equivalents": "126,847", "Deposits": "2,475,607", "Fees": "0", "Goodwill": "145,909", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,983,091", "Loans and Leases Receivable": "2,524,481", "Long-term Debt": "495,553", "Occupancy": "0", "Other Assets": "607,900", "Other Compr. Net Income": "1,530", "Other Expenses": "8,845", "Other Liabilities": "-1,951,898", "Other Net Income": "27,410", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "20,653"}, "output_variables": {"Liabilities": "3,002,353", "Assets": "3,448,572", "Expenses": "8,845", "Revenues": "0", "Stockholders Equity": "446,219", "Net Income": "18,565", "Comprehensive Net Income": "20,095", "BaseVar": "3,294,042", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2015": {"input_variables": {"Assets and Securities": "24,908", "Cash Deposits and Cash Equivalents": "200,895", "Deposits": "2,790,966", "Fees": "0", "Goodwill": "145,909", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,140,191", "Loans and Leases Receivable": "3,072,435", "Long-term Debt": "671,587", "Occupancy": "0", "Other Assets": "550,241", "Other Compr. Net Income": "-3,595", "Other Expenses": "19,926", "Other Liabilities": "-2,063,367", "Other Net Income": "61,237", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "22,333"}, "output_variables": {"Liabilities": "3,539,377", "Assets": "4,016,721", "Expenses": "19,926", "Revenues": "0", "Stockholders Equity": "477,344", "Net Income": "41,311", "Comprehensive Net Income": "37,716", "BaseVar": "3,931,885", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2016": {"input_variables": {"Assets and Securities": "37,234", "Cash Deposits and Cash Equivalents": "200,399", "Deposits": "3,344,271", "Fees": "0", "Goodwill": "145,909", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,649,294", "Loans and Leases Receivable": "3,528,093", "Long-term Debt": "476,280", "Occupancy": "0", "Other Assets": "492,638", "Other Compr. Net Income": "1,763", "Other Expenses": "11,776", "Other Liabilities": "-2,574,529", "Other Net Income": "42,858", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "22,075"}, "output_variables": {"Liabilities": "3,895,316", "Assets": "4,426,348", "Expenses": "11,776", "Revenues": "0", "Stockholders Equity": "531,032", "Net Income": "31,082", "Comprehensive Net Income": "32,845", "BaseVar": "4,263,193", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2017": {"input_variables": {"Assets and Securities": "28,275", "Cash Deposits and Cash Equivalents": "149,582", "Deposits": "3,795,128", "Fees": "0", "Goodwill": "145,909", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,018,285", "Loans and Leases Receivable": "4,164,553", "Long-term Debt": "670,077", "Occupancy": "0", "Other Assets": "598,464", "Other Compr. Net Income": "984", "Other Expenses": "21,518", "Other Liabilities": "-2,940,485", "Other Net Income": "66,739", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "21,659"}, "output_variables": {"Liabilities": "4,543,005", "Assets": "5,108,442", "Expenses": "21,518", "Revenues": "0", "Stockholders Equity": "565,437", "Net Income": "45,220", "Comprehensive Net Income": "46,204", "BaseVar": "4,987,696", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "13%"}}, "2018": {"input_variables": {"Assets and Securities": "30,216", "Cash Deposits and Cash Equivalents": "172,366", "Deposits": "4,092,092", "Fees": "0", "Goodwill": "145,909", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,323,508", "Loans and Leases Receivable": "4,506,138", "Long-term Debt": "600,001", "Occupancy": "0", "Other Assets": "588,401", "Other Compr. Net Income": "-2,838", "Other Expenses": "17,313", "Other Liabilities": "-3,167,436", "Other Net Income": "71,047", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "19,062"}, "output_variables": {"Liabilities": "4,848,165", "Assets": "5,462,092", "Expenses": "17,313", "Revenues": "0", "Stockholders Equity": "613,927", "Net Income": "53,734", "Comprehensive Net Income": "50,896", "BaseVar": "5,320,654", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2019": {"input_variables": {"Assets and Securities": "59,465", "Cash Deposits and Cash Equivalents": "201,483", "Deposits": "4,767,542", "Fees": "0", "Goodwill": "162,574", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,935,487", "Loans and Leases Receivable": "5,108,484", "Long-term Debt": "500,293", "Occupancy": "0", "Other Assets": "622,790", "Other Compr. Net Income": "-3,994", "Other Expenses": "16,160", "Other Liabilities": "-3,760,480", "Other Net Income": "93,723", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "19,236"}, "output_variables": {"Liabilities": "5,442,842", "Assets": "6,174,032", "Expenses": "16,160", "Revenues": "0", "Stockholders Equity": "731,190", "Net Income": "77,563", "Comprehensive Net Income": "73,569", "BaseVar": "6,015,125", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}}, "top_rated": false, "trend": -4.0, "value": 0.1476000805233804, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000712771.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000712771.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000712771.svg"}, {"company_id": "0000764038", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000764038.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 66, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 Liabilities, increasing the Economic Capital Ratio by 15% points.The greatest weakness of Southstate Bank 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 15%, being 0.63% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000764038_2020_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"}, "2013": {"Long-term Debt": "0.879", "Liabilities": "-0.375", "Stockholders Equity": "1.88", "ECR before LimitedLiability": "1.79", "Liabilities and Borrowings": "-45.0", "Other Liabilities": "12.1", "Deposits": "-10.9", "Goodwill": "-0.805", "Assets": "2.07", "Loans and Leases Receivable": "-32.2", "Cash Deposits and Cash Equivalents": "1.18", "Assets and Securities": "5.58", "Other Assets": "12.1", "Property, Plant and Equipment": "0.600", "Expenses": "0.571", "Revenues": "-0.156", "Net Income": "-0.933", "Labor Expense": "0.268", "Other Revenues": "-0.156", "Other Net Income": "-1.35", "Economic Capital Ratio": "1.64", "Other Compr. Net Income": "1.01"}, "2014": {"Deposits": "-8.70", "Liabilities": "0.612", "Stockholders Equity": "1.57", "ECR before LimitedLiability": "1.60", "Other Liabilities": "14.5", "Liabilities and Borrowings": "-43.7", "Long-term Debt": "1.30", "Cash Deposits and Cash Equivalents": "0.923", "Assets": "0.926", "Other Assets": "14.5", "Property, Plant and Equipment": "0.510", "Assets and Securities": "5.83", "Goodwill": "-0.853", "Loans and Leases Receivable": "-33.6", "Other Revenues": "-0.296", "Revenues": "-0.296", "Net Income": "0.257", "Other Net Income": "0.335", "Other Expenses": "-0.317", "Labor Expense": "0.327", "Economic Capital Ratio": "1.56"}, "2015": {"Deposits": "-9.15", "Liabilities": "1.44", "Loans and Leases Receivable": "-34.3", "Stockholders Equity": "1.61", "ECR before LimitedLiability": "2.76", "Long-term Debt": "1.21", "Other Liabilities": "14.5", "Liabilities and Borrowings": "-37.6", "Expenses": "-0.297", "Net Income": "0.969", "Other Expenses": "-0.814", "Other Revenues": "-0.331", "Revenues": "-0.331", "Assets and Securities": "7.66", "Property, Plant and Equipment": "0.420", "Cash Deposits and Cash Equivalents": "3.10", "Goodwill": "-0.845", "Other Assets": "14.5", "Comprehensive Net Income": "1.11", "Other Net Income": "1.59", "Economic Capital Ratio": "2.72"}, "2016": {"Liabilities and Borrowings": "-34.9", "Liabilities": "1.03", "Stockholders Equity": "1.84", "ECR before LimitedLiability": "2.95", "Deposits": "-7.92", "Other Liabilities": "14.7", "Long-term Debt": "0.882", "Assets and Securities": "5.30", "Assets": "0.816", "Property, Plant and Equipment": "0.453", "Other Assets": "-14.2", "Goodwill": "1.83", "Loans and Leases Receivable": "8.77", "Other Revenues": "-0.516", "Revenues": "-0.516", "Net Income": "0.713", "Comprehensive Net Income": "1.14", "Other Expenses": "-0.634", "Other Net Income": "1.13", "Labor Expense": "0.458", "Economic Capital Ratio": "2.90"}, "2017": {"Other Liabilities": "15.7", "Liabilities": "1.42", "Stockholders Equity": "4.47", "ECR before LimitedLiability": "3.33", "Liabilities and Borrowings": "-38.2", "Long-term Debt": "0.795", "Deposits": "-6.27", "Loans and Leases Receivable": "8.29", "Assets": "2.94", "Cash Deposits and Cash Equivalents": "-1.01", "Assets and Securities": "4.91", "Other Assets": "-12.3", "Goodwill": "4.14", "Expenses": "0.627", "Revenues": "-0.551", "Net Income": "-0.955", "Labor Expense": "0.548", "Other Revenues": "-0.551", "Comprehensive Net Income": "-0.979", "Other Net Income": "-1.03", "Economic Capital Ratio": "3.28"}, "2018": {"Other Liabilities": "14.6", "Liabilities": "6.29", "Stockholders Equity": "3.66", "ECR before LimitedLiability": "1.87", "Long-term Debt": "0.734", "Liabilities and Borrowings": "-32.9", "Assets": "-2.26", "Other Assets": "-11.0", "Loans and Leases Receivable": "7.21", "Goodwill": "3.90", "Cash Deposits and Cash Equivalents": "-1.38", "Labor Expense": "-3.98", "Expenses": "-7.24", "Revenues": "-0.860", "Net Income": "-2.78", "Other Expenses": "-1.23", "IT and Equipment Expense": "-1.09", "Other Revenues": "-0.860", "Comprehensive Net Income": "-2.56", "Other Net Income": "5.18", "Economic Capital Ratio": "1.79"}, "2019": {"Long-term Debt": "0.614", "Liabilities": "4.34", "Assets": "-1.57", "Stockholders Equity": "2.37", "ECR before LimitedLiability": "-0.605", "Deposits": "1.46", "Other Liabilities": "14.6", "Liabilities and Borrowings": "-33.0", "Loans and Leases Receivable": "2.76", "Other Assets": "-8.17", "Goodwill": "3.46", "Assets and Securities": "0.903", "Expenses": "-5.62", "Revenues": "-0.901", "Net Income": "-3.16", "Occupancy": "-0.790", "Labor Expense": "-3.52", "Other Revenues": "-0.901", "Comprehensive Net Income": "-3.46", "Other Net Income": "3.33", "Economic Capital Ratio": "-0.633"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "1,117,721", "Cash Deposits and Cash Equivalents": "479,461", "Deposits": "6,555,497", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,360,171", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "6,146,202", "Other Compr. Net Income": "-10,099", "Other Expenses": "25,355", "Other Liabilities": "-4,965,639", "Other Net Income": "74,574", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "188,114"}, "output_variables": {"Liabilities": "6,950,029", "Assets": "7,931,498", "Expenses": "25,355", "Revenues": "0", "Stockholders Equity": "981,469", "Net Income": "49,219", "Comprehensive Net Income": "39,120", "BaseVar": "7,640,464", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2014": {"input_variables": {"Assets and Securities": "1,080,893", "Cash Deposits and Cash Equivalents": "417,869", "Deposits": "6,461,045", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,100,144", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "6,155,693", "Other Compr. Net Income": "-10,084", "Other Expenses": "68,158", "Other Liabilities": "-4,719,882", "Other Net Income": "232,053", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "171,772"}, "output_variables": {"Liabilities": "6,841,307", "Assets": "7,826,227", "Expenses": "68,158", "Revenues": "0", "Stockholders Equity": "984,920", "Net Income": "163,895", "Comprehensive Net Income": "153,811", "BaseVar": "7,896,954", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "18%"}}, "2015": {"input_variables": {"Assets and Securities": "1,387,234", "Cash Deposits and Cash Equivalents": "695,794", "Deposits": "7,100,428", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,466,326", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "6,299,783", "Other Compr. Net Income": "8,396", "Other Expenses": "125,283", "Other Liabilities": "-5,068,790", "Other Net Income": "311,790", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "174,537"}, "output_variables": {"Liabilities": "7,497,964", "Assets": "8,557,348", "Expenses": "125,283", "Revenues": "0", "Stockholders Equity": "1,059,384", "Net Income": "186,506", "Comprehensive Net Income": "194,903", "BaseVar": "8,836,184", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "19%"}}, "2016": {"input_variables": {"Assets and Securities": "1,224,165", "Cash Deposits and Cash Equivalents": "374,448", "Deposits": "7,334,423", "Fees": "0", "Goodwill": "338,340", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,566,958", "Loans and Leases Receivable": "6,643,326", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "136,803", "Other Compr. Net Income": "-3,902", "Other Expenses": "56,052", "Other Liabilities": "-5,135,377", "Other Net Income": "160,739", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "183,510"}, "output_variables": {"Liabilities": "7,766,004", "Assets": "8,900,592", "Expenses": "56,052", "Revenues": "0", "Stockholders Equity": "1,134,588", "Net Income": "104,687", "Comprehensive Net Income": "100,785", "BaseVar": "8,733,855", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2017": {"input_variables": {"Assets and Securities": "1,804,576", "Cash Deposits and Cash Equivalents": "377,627", "Deposits": "11,532,766", "Fees": "0", "Goodwill": "999,586", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "9,110,237", "Loans and Leases Receivable": "10,575,417", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "453,818", "Other Compr. Net Income": "-3,320", "Other Expenses": "148,629", "Other Liabilities": "-8,485,334", "Other Net Income": "196,586", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "255,565"}, "output_variables": {"Liabilities": "12,157,669", "Assets": "14,466,589", "Expenses": "148,629", "Revenues": "0", "Stockholders Equity": "2,308,920", "Net Income": "47,957", "Comprehensive Net Income": "44,637", "BaseVar": "13,944,720", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2018": {"input_variables": {"Assets and Securities": "1,694,814", "Cash Deposits and Cash Equivalents": "408,983", "Deposits": "11,646,933", "Fees": "17,288", "Goodwill": "1,002,900", "IT and Equipment Expense": "52,671", "Labor Expense": "233,130", "Liabilities and Borrowings": "9,248,263", "Loans and Leases Receivable": "10,962,037", "Long-term Debt": "0", "Occupancy": "30,816", "Other Assets": "366,518", "Other Compr. Net Income": "-6,451", "Other Expenses": "168,018", "Other Liabilities": "-8,585,164", "Other Net Income": "2,260,137", "Other Noninterest Expense": "27,592", "Other Revenues": "0", "Property, Plant and Equipment": "241,076"}, "output_variables": {"Liabilities": "12,310,032", "Assets": "14,676,328", "Expenses": "529,515", "Revenues": "0", "Stockholders Equity": "2,366,296", "Net Income": "1,730,622", "Comprehensive Net Income": "1,724,171", "BaseVar": "18,568,108", "ECR before LimitedLiability": "60%", "Economic Capital Ratio": "60%"}}, "2019": {"input_variables": {"Assets and Securities": "2,181,503", "Cash Deposits and Cash Equivalents": "688,704", "Deposits": "12,177,096", "Fees": "15,167", "Goodwill": "1,002,900", "IT and Equipment Expense": "39,724", "Labor Expense": "234,758", "Liabilities and Borrowings": "10,302,773", "Loans and Leases Receivable": "11,313,113", "Long-term Debt": "0", "Occupancy": "66,096", "Other Assets": "417,551", "Other Compr. Net Income": "-11,389", "Other Expenses": "74,787", "Other Liabilities": "-8,931,790", "Other Net Income": "512,469", "Other Noninterest Expense": "32,135", "Other Revenues": "0", "Property, Plant and Equipment": "317,321"}, "output_variables": {"Liabilities": "13,548,079", "Assets": "15,921,092", "Expenses": "462,667", "Revenues": "0", "Stockholders Equity": "2,373,013", "Net Income": "49,802", "Comprehensive Net Income": "38,413", "BaseVar": "16,525,128", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": -31.0, "value": 0.14624355388360985, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000764038.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000764038.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000764038.svg"}, {"company_id": "0000719220", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000719220.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 67, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 Other Assets, increasing the Economic Capital Ratio by 15% points.The greatest weakness of S T Bancorp INC is the variable Loans and Leases Receivable, reducing the Economic Capital Ratio by 37% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 15%, being 0.71% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000719220_2020_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"}, "2014": {"Cash Deposits and Cash Equivalents": "-1.39", "Assets": "0.948", "Deposits": "-4.99", "Stockholders Equity": "1.31", "ECR before LimitedLiability": "1.53", "Other Assets": "-8.40", "Property, Plant and Equipment": "-0.546", "Assets and Securities": "-2.94", "Goodwill": "1.78", "Loans and Leases Receivable": "12.2", "Expenses": "0.629", "Revenues": "-0.295", "Net Income": "1.04", "Labor Expense": "0.326", "Other Revenues": "-0.295", "Long-term Debt": "1.30", "Liabilities and Borrowings": "13.6", "Other Liabilities": "-21.3", "Comprehensive Net Income": "0.315", "Other Net Income": "0.703", "Other Compr. Net Income": "-0.724", "Economic Capital Ratio": "1.50"}, "2015": {"Deposits": "-4.26", "Liabilities": "0.762", "Stockholders Equity": "1.82", "ECR before LimitedLiability": "2.51", "Long-term Debt": "1.20", "Other Liabilities": "-24.9", "Liabilities and Borrowings": "13.9", "Loans and Leases Receivable": "-34.2", "Assets": "1.03", "Assets and Securities": "-2.87", "Property, Plant and Equipment": "-0.505", "Cash Deposits and Cash Equivalents": "-1.75", "Goodwill": "2.62", "Other Assets": "14.3", "Expenses": "0.487", "Net Income": "0.618", "Other Revenues": "-0.328", "Revenues": "-0.328", "Comprehensive Net Income": "0.749", "Other Net Income": "0.458", "Economic Capital Ratio": "2.47"}, "2016": {"Assets and Securities": "-3.75", "Assets": "1.37", "Long-term Debt": "0.867", "Stockholders Equity": "1.39", "ECR before LimitedLiability": "2.31", "Property, Plant and Equipment": "-0.587", "Other Assets": "14.1", "Goodwill": "2.13", "Loans and Leases Receivable": "-34.6", "Cash Deposits and Cash Equivalents": "-1.61", "Expenses": "0.955", "Revenues": "-0.510", "Net Income": "0.316", "Labor Expense": "0.452", "Other Revenues": "-0.510", "Other Liabilities": "-29.4", "Liabilities and Borrowings": "13.9", "Deposits": "-2.26", "Comprehensive Net Income": "1.07", "Other Compr. Net Income": "0.752", "Economic Capital Ratio": "2.26"}, "2017": {"Other Liabilities": "-31.0", "Liabilities": "6.15", "ECR before LimitedLiability": "1.68", "Liabilities and Borrowings": "13.9", "Deposits": "3.76", "Loans and Leases Receivable": "-37.6", "Assets": "-4.90", "Net Income": "2.86", "Cash Deposits and Cash Equivalents": "-2.02", "Assets and Securities": "-3.92", "Other Assets": "14.0", "Goodwill": "1.83", "Expenses": "-5.01", "Revenues": "2.41", "Other Noninterest Expense": "-1.13", "Other Expenses": "1.69", "Labor Expense": "-3.83", "Other Revenues": "2.41", "Other Net Income": "5.25", "Economic Capital Ratio": "1.64", "Other Compr. Net Income": "-2.76"}, "2018": {"Other Liabilities": "-31.5", "Liabilities": "3.09", "Stockholders Equity": "1.07", "ECR before LimitedLiability": "1.56", "Long-term Debt": "0.714", "Liabilities and Borrowings": "14.2", "Assets": "-1.65", "Assets and Securities": "-7.50", "Other Assets": "14.3", "Loans and Leases Receivable": "-35.8", "Goodwill": "1.67", "Cash Deposits and Cash Equivalents": "-1.81", "Labor Expense": "-1.83", "Expenses": "-2.61", "Other Noninterest Expense": "-0.637", "Other Expenses": "0.988", "IT and Equipment Expense": "-0.682", "Other Revenues": "-0.838", "Revenues": "-0.838", "Economic Capital Ratio": "1.48", "Other Net Income": "3.93"}, "2019": {"Liabilities": "1.87", "Loans and Leases Receivable": "-36.6", "Stockholders Equity": "1.46", "Economic Capital Ratio": "-0.715", "Deposits": "-3.26", "Other Liabilities": "-29.1", "Liabilities and Borrowings": "14.5", "Expenses": "-2.13", "Revenues": "-0.878", "Net Income": "-0.979", "Other Expenses": "0.937", "Labor Expense": "-1.52", "IT and Equipment Expense": "-0.752", "Other Revenues": "-0.878", "Other Assets": "14.5", "Goodwill": "1.90", "Cash Deposits and Cash Equivalents": "-1.89", "Assets and Securities": "-7.41", "Comprehensive Net Income": "-2.24", "Other Net Income": "2.02", "Other Compr. Net Income": "-1.26"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2014": {"input_variables": {"Assets and Securities": "97,024", "Cash Deposits and Cash Equivalents": "109,580", "Deposits": "3,908,842", "Fees": "0", "Goodwill": "175,820", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "61,789", "Loans and Leases Receivable": "3,820,835", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "723,261", "Other Compr. Net Income": "-1,139", "Other Expenses": "17,515", "Other Liabilities": "385,666", "Other Net Income": "75,425", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "38,166"}, "output_variables": {"Liabilities": "4,356,297", "Assets": "4,964,686", "Expenses": "17,515", "Revenues": "0", "Stockholders Equity": "608,389", "Net Income": "57,910", "Comprehensive Net Income": "56,771", "BaseVar": "4,831,245", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2015": {"input_variables": {"Assets and Securities": "102,583", "Cash Deposits and Cash Equivalents": "99,399", "Deposits": "4,876,611", "Fees": "0", "Goodwill": "291,764", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "68,758", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "5,775,481", "Other Compr. Net Income": "-6,760", "Other Expenses": "23,776", "Other Liabilities": "580,748", "Other Net Income": "89,593", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "49,127"}, "output_variables": {"Liabilities": "5,526,117", "Assets": "6,318,354", "Expenses": "23,776", "Revenues": "0", "Stockholders Equity": "792,237", "Net Income": "65,817", "Comprehensive Net Income": "59,057", "BaseVar": "6,140,271", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2016": {"input_variables": {"Assets and Securities": "102,166", "Cash Deposits and Cash Equivalents": "139,486", "Deposits": "5,272,377", "Fees": "0", "Goodwill": "291,670", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "57,556", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "6,364,732", "Other Compr. Net Income": "-2,527", "Other Expenses": "25,243", "Other Liabilities": "771,164", "Other Net Income": "96,171", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "44,999"}, "output_variables": {"Liabilities": "6,101,097", "Assets": "6,943,053", "Expenses": "25,243", "Revenues": "0", "Stockholders Equity": "841,956", "Net Income": "70,927", "Comprehensive Net Income": "68,400", "BaseVar": "6,747,028", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2017": {"input_variables": {"Assets and Securities": "95,799", "Cash Deposits and Cash Equivalents": "117,152", "Deposits": "5,427,891", "Fees": "8,639", "Goodwill": "291,670", "IT and Equipment Expense": "16,747", "Labor Expense": "80,776", "Liabilities and Borrowings": "65,252", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "10,994", "Other Assets": "6,512,932", "Other Compr. Net Income": "2,611", "Other Expenses": "9,867", "Other Liabilities": "683,081", "Other Net Income": "211,167", "Other Noninterest Expense": "22,583", "Other Revenues": "55,462", "Property, Plant and Equipment": "42,702"}, "output_variables": {"Liabilities": "6,176,224", "Assets": "7,060,255", "Expenses": "149,606", "Revenues": "55,462", "Stockholders Equity": "884,031", "Net Income": "117,023", "Comprehensive Net Income": "119,634", "BaseVar": "7,378,444", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}, "2018": {"input_variables": {"Assets and Securities": "88,725", "Cash Deposits and Cash Equivalents": "155,489", "Deposits": "5,673,922", "Fees": "7,533", "Goodwill": "287,446", "IT and Equipment Expense": "18,978", "Labor Expense": "76,363", "Liabilities and Borrowings": "38,222", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "11,098", "Other Assets": "6,678,831", "Other Compr. Net Income": "-34,131", "Other Expenses": "10,143", "Other Liabilities": "604,316", "Other Net Income": "235,762", "Other Noninterest Expense": "21,807", "Other Revenues": "54,432", "Property, Plant and Equipment": "41,730"}, "output_variables": {"Liabilities": "6,316,460", "Assets": "7,252,221", "Expenses": "145,921", "Revenues": "54,432", "Stockholders Equity": "935,761", "Net Income": "144,272", "Comprehensive Net Income": "110,141", "BaseVar": "7,637,836", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}, "2019": {"input_variables": {"Assets and Securities": "159,429", "Cash Deposits and Cash Equivalents": "197,823", "Deposits": "7,036,576", "Fees": "5,226", "Goodwill": "371,621", "IT and Equipment Expense": "24,248", "Labor Expense": "83,518", "Liabilities and Borrowings": "119,723", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "12,113", "Other Assets": "7,978,836", "Other Compr. Net Income": "-10,891", "Other Expenses": "18,609", "Other Liabilities": "416,352", "Other Net Income": "251,800", "Other Noninterest Expense": "23,200", "Other Revenues": "0", "Property, Plant and Equipment": "56,940"}, "output_variables": {"Liabilities": "7,572,651", "Assets": "8,764,649", "Expenses": "166,914", "Revenues": "0", "Stockholders Equity": "1,191,998", "Net Income": "84,886", "Comprehensive Net Income": "73,996", "BaseVar": "8,948,381", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}}, "top_rated": false, "trend": -24.0, "value": 0.14542119051719554, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000719220.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000719220.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000719220.svg"}, {"company_id": "0000709337", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000709337.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 68, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 14% points.The greatest weakness of Farmers National BANC CORP OH is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 27% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 14%, being 0.77% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000709337_2020_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"}, "2013": {"Long-term Debt": "-0.444", "Liabilities": "-0.344", "Stockholders Equity": "-0.205", "Goodwill": "-0.324", "Liabilities and Borrowings": "-40.9", "Other Liabilities": "6.92", "Deposits": "-5.93", "Expenses": "0.904", "Revenues": "-0.120", "Net Income": "-0.595", "Other Expenses": "0.606", "Labor Expense": "0.203", "Other Revenues": "-0.120", "ECR before LimitedLiability": "-3.38", "Loans and Leases Receivable": "-1.12", "Cash Deposits and Cash Equivalents": "-1.31", "Assets and Securities": "-2.81", "Other Assets": "4.78", "Comprehensive Net Income": "-3.07", "Other Net Income": "-1.52", "Other Compr. Net Income": "-2.36", "Economic Capital Ratio": "-3.53"}, "2014": {"Deposits": "-6.24", "Liabilities": "-0.481", "ECR before LimitedLiability": "1.15", "Other Liabilities": "14.1", "Liabilities and Borrowings": "-42.9", "Long-term Debt": "-0.910", "Cash Deposits and Cash Equivalents": "-1.25", "Assets": "0.512", "Comprehensive Net Income": "1.13", "Other Assets": "6.72", "Assets and Securities": "-3.04", "Goodwill": "-0.492", "Loans and Leases Receivable": "-1.46", "Expenses": "1.10", "Net Income": "-0.436", "Other Expenses": "0.567", "Labor Expense": "0.325", "Other Revenues": "-0.294", "Revenues": "-0.294", "Other Compr. Net Income": "1.57", "Other Net Income": "-1.24", "Economic Capital Ratio": "1.12"}, "2015": {"Deposits": "-3.10", "Liabilities": "-1.74", "Stockholders Equity": "0.305", "ECR before LimitedLiability": "-1.58", "Other Liabilities": "10.2", "Liabilities and Borrowings": "-31.1", "Loans and Leases Receivable": "5.48", "Assets": "1.71", "Assets and Securities": "-2.68", "Cash Deposits and Cash Equivalents": "-0.660", "Goodwill": "0.536", "Other Assets": "-1.75", "Expenses": "1.31", "Revenues": "-0.304", "Net Income": "-1.70", "Other Expenses": "0.857", "Labor Expense": "0.261", "Other Revenues": "-0.304", "Comprehensive Net Income": "-1.61", "Other Net Income": "-2.79", "Economic Capital Ratio": "-1.62"}, "2016": {"Liabilities and Borrowings": "-30.2", "Liabilities": "-0.494", "Stockholders Equity": "0.264", "ECR before LimitedLiability": "0.531", "Deposits": "-3.03", "Other Liabilities": "12.3", "Long-term Debt": "0.194", "Assets and Securities": "-3.45", "Assets": "0.662", "Property, Plant and Equipment": "-0.202", "Other Assets": "-1.58", "Goodwill": "0.385", "Loans and Leases Receivable": "6.50", "Cash Deposits and Cash Equivalents": "-1.55", "Expenses": "0.895", "Revenues": "-0.506", "Net Income": "0.341", "Labor Expense": "0.447", "Other Revenues": "-0.506", "Comprehensive Net Income": "0.378", "Economic Capital Ratio": "0.487"}, "2017": {"Other Liabilities": "12.7", "Liabilities": "-0.372", "Stockholders Equity": "0.246", "ECR before LimitedLiability": "1.43", "Liabilities and Borrowings": "-26.7", "Long-term Debt": "0.503", "Deposits": "1.06", "Loans and Leases Receivable": "6.09", "Assets": "0.536", "Cash Deposits and Cash Equivalents": "-1.05", "Assets and Securities": "-3.17", "Other Assets": "-1.19", "Property, Plant and Equipment": "-0.320", "Expenses": "1.06", "Net Income": "0.676", "Labor Expense": "0.549", "Other Revenues": "-0.553", "Revenues": "-0.553", "Comprehensive Net Income": "1.29", "Other Compr. Net Income": "0.617", "Economic Capital Ratio": "1.38"}, "2018": {"Other Liabilities": "10.4", "Liabilities": "3.30", "Stockholders Equity": "-0.515", "ECR before LimitedLiability": "-2.18", "Liabilities and Borrowings": "-25.2", "Deposits": "2.43", "Assets": "-3.70", "Assets and Securities": "4.41", "Other Assets": "-11.5", "Loans and Leases Receivable": "4.90", "Cash Deposits and Cash Equivalents": "-1.63", "Labor Expense": "-3.60", "Expenses": "-5.97", "Revenues": "-0.588", "Net Income": "-2.08", "Occupancy": "-0.661", "Other Noninterest Expense": "-0.701", "Other Revenues": "-0.588", "Comprehensive Net Income": "-2.29", "Other Net Income": "3.85", "Economic Capital Ratio": "-2.27"}, "2019": {"Long-term Debt": "-1.03", "Liabilities": "4.19", "Assets": "-3.64", "Comprehensive Net Income": "-1.30", "ECR before LimitedLiability": "-0.738", "Deposits": "-1.52", "Other Liabilities": "14.4", "Liabilities and Borrowings": "-27.3", "Loans and Leases Receivable": "3.01", "Other Assets": "-8.70", "Cash Deposits and Cash Equivalents": "-1.59", "Assets and Securities": "4.71", "Other Noninterest Expense": "-0.904", "Expenses": "-5.98", "Net Income": "-2.53", "Other Expenses": "-0.613", "Occupancy": "-0.665", "Labor Expense": "-3.57", "Other Net Income": "3.86", "Other Compr. Net Income": "1.22", "Economic Capital Ratio": "-0.765"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "20,116", "Cash Deposits and Cash Equivalents": "27,513", "Deposits": "915,216", "Fees": "0", "Goodwill": "6,354", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "766,987", "Loans and Leases Receivable": "623,116", "Long-term Debt": "19,822", "Occupancy": "0", "Other Assets": "443,040", "Other Compr. Net Income": "-13,112", "Other Expenses": "1,683", "Other Liabilities": "-677,706", "Other Net Income": "9,463", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "17,187"}, "output_variables": {"Liabilities": "1,024,319", "Assets": "1,137,326", "Expenses": "1,683", "Revenues": "0", "Stockholders Equity": "113,007", "Net Income": "7,780", "Comprehensive Net Income": "-5,332", "BaseVar": "1,124,851", "ECR before LimitedLiability": "6.3%", "Economic Capital Ratio": "6.9%"}}, "2014": {"input_variables": {"Assets and Securities": "20,750", "Cash Deposits and Cash Equivalents": "27,428", "Deposits": "915,703", "Fees": "0", "Goodwill": "5,591", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "741,193", "Loans and Leases Receivable": "656,220", "Long-term Debt": "28,381", "Occupancy": "0", "Other Assets": "409,929", "Other Compr. Net Income": "-10,528", "Other Expenses": "2,561", "Other Liabilities": "-671,870", "Other Net Income": "11,634", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "17,049"}, "output_variables": {"Liabilities": "1,013,407", "Assets": "1,136,967", "Expenses": "2,561", "Revenues": "0", "Stockholders Equity": "123,560", "Net Income": "9,074", "Comprehensive Net Income": "-1,454", "BaseVar": "1,120,059", "ECR before LimitedLiability": "8.4%", "Economic Capital Ratio": "8.6%"}}, "2015": {"input_variables": {"Assets and Securities": "33,585", "Cash Deposits and Cash Equivalents": "56,014", "Deposits": "1,409,047", "Fees": "0", "Goodwill": "35,090", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,109,220", "Loans and Leases Receivable": "1,287,887", "Long-term Debt": "22,153", "Occupancy": "0", "Other Assets": "433,136", "Other Compr. Net Income": "2,017", "Other Expenses": "2,510", "Other Liabilities": "-868,565", "Other Net Income": "10,552", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "24,190"}, "output_variables": {"Liabilities": "1,671,855", "Assets": "1,869,902", "Expenses": "2,510", "Revenues": "0", "Stockholders Equity": "198,047", "Net Income": "8,042", "Comprehensive Net Income": "10,059", "BaseVar": "1,798,246", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2016": {"input_variables": {"Assets and Securities": "38,775", "Cash Deposits and Cash Equivalents": "41,778", "Deposits": "1,524,756", "Fees": "0", "Goodwill": "37,164", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,172,531", "Loans and Leases Receivable": "1,416,783", "Long-term Debt": "15,036", "Occupancy": "0", "Other Assets": "408,388", "Other Compr. Net Income": "-2,232", "Other Expenses": "6,810", "Other Liabilities": "-959,426", "Other Net Income": "26,264", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "23,225"}, "output_variables": {"Liabilities": "1,752,897", "Assets": "1,966,113", "Expenses": "6,810", "Revenues": "0", "Stockholders Equity": "213,216", "Net Income": "19,454", "Comprehensive Net Income": "17,222", "BaseVar": "1,923,585", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2017": {"input_variables": {"Assets and Securities": "41,254", "Cash Deposits and Cash Equivalents": "57,614", "Deposits": "1,604,719", "Fees": "0", "Goodwill": "38,201", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,208,090", "Loans and Leases Receivable": "1,565,066", "Long-term Debt": "6,994", "Occupancy": "0", "Other Assets": "434,648", "Other Compr. Net Income": "1,040", "Other Expenses": "11,345", "Other Liabilities": "-902,808", "Other Net Income": "33,552", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "22,286"}, "output_variables": {"Liabilities": "1,916,995", "Assets": "2,159,069", "Expenses": "11,345", "Revenues": "0", "Stockholders Equity": "242,074", "Net Income": "22,208", "Comprehensive Net Income": "23,248", "BaseVar": "2,121,408", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2018": {"input_variables": {"Assets and Securities": "440,402", "Cash Deposits and Cash Equivalents": "57,926", "Deposits": "1,799,720", "Fees": "3,755", "Goodwill": "38,201", "IT and Equipment Expense": "4,134", "Labor Expense": "35,976", "Liabilities and Borrowings": "1,368,802", "Loans and Leases Receivable": "1,722,248", "Long-term Debt": "6,033", "Occupancy": "6,478", "Other Assets": "48,876", "Other Compr. Net Income": "-1,480", "Other Expenses": "10,574", "Other Liabilities": "-1,108,011", "Other Net Income": "141,203", "Other Noninterest Expense": "7,665", "Other Revenues": "1,479", "Property, Plant and Equipment": "21,211"}, "output_variables": {"Liabilities": "2,066,544", "Assets": "2,328,864", "Expenses": "68,582", "Revenues": "1,479", "Stockholders Equity": "262,320", "Net Income": "74,099", "Comprehensive Net Income": "72,619", "BaseVar": "2,583,835", "ECR before LimitedLiability": "21%", "Economic Capital Ratio": "21%"}}, "2019": {"input_variables": {"Assets and Securities": "468,848", "Cash Deposits and Cash Equivalents": "70,760", "Deposits": "2,008,964", "Fees": "3,475", "Goodwill": "38,201", "IT and Equipment Expense": "2,712", "Labor Expense": "37,213", "Liabilities and Borrowings": "1,509,451", "Loans and Leases Receivable": "1,797,052", "Long-term Debt": "45,147", "Occupancy": "6,654", "Other Assets": "50,480", "Other Compr. Net Income": "4,874", "Other Expenses": "18,539", "Other Liabilities": "-1,413,713", "Other Net Income": "85,559", "Other Noninterest Expense": "8,995", "Other Revenues": "8,325", "Property, Plant and Equipment": "23,817"}, "output_variables": {"Liabilities": "2,149,849", "Assets": "2,449,158", "Expenses": "77,587", "Revenues": "8,325", "Stockholders Equity": "299,309", "Net Income": "16,297", "Comprehensive Net Income": "21,171", "BaseVar": "2,619,569", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": 30.0, "value": 0.14491725802085623, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000709337.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000709337.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000709337.svg"}, {"company_id": "0001430723", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001430723.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001430723.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001430723.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001430723_256x256.png", "name": "Servisfirst Bancshares Inc", "rank": 69, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001430723.svg", "report_text": "The relative strengths and weaknesses of Servisfirst 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 Servisfirst Bancshares Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Servisfirst Bancshares 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 0.84% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001430723_2020_Servisfirst_Bancshares_Inc.pdf", "shrinked_graph_json": {"2014": {"Deposits": "-7.41", "Liabilities": "-0.175", "Stockholders Equity": "-0.753", "Economic Capital Ratio": "0.0208", "Other Liabilities": "13.0", "Liabilities and Borrowings": "-39.9", "Long-term Debt": "1.28", "Cash Deposits and Cash Equivalents": "2.26", "Assets": "-0.539", "Other Assets": "-15.4", "Property, Plant and Equipment": "-0.987", "Assets and Securities": "1.06", "Goodwill": "-0.863", "Loans and Leases Receivable": "11.7", "Other Revenues": "-0.296", "Revenues": "-0.296", "Net Income": "1.36", "Other Net Income": "1.65", "Other Compr. Net Income": "-0.582", "Comprehensive Net Income": "0.789", "Other Expenses": "-0.536", "Labor Expense": "0.326"}, "2015": {"Deposits": "-7.60", "Liabilities": "-0.439", "Stockholders Equity": "-1.40", "Economic Capital Ratio": "-0.0252", "Long-term Debt": "1.16", "Other Liabilities": "11.8", "Liabilities and Borrowings": "-35.0", "Loans and Leases Receivable": "10.6", "Assets": "-0.907", "Assets and Securities": "0.996", "Property, Plant and Equipment": "-0.812", "Cash Deposits and Cash Equivalents": "2.06", "Goodwill": "-0.847", "Other Assets": "-15.1", "Other Revenues": "-0.324", "Revenues": "-0.324", "Net Income": "1.18", "Other Compr. Net Income": "0.183", "Comprehensive Net Income": "1.36", "Other Expenses": "-0.408", "Labor Expense": "0.280", "Other Net Income": "1.40"}, "2016": {"Liabilities and Borrowings": "-36.7", "Liabilities": "-1.29", "Stockholders Equity": "-1.98", "ECR before LimitedLiability": "-0.503", "Deposits": "-8.59", "Other Liabilities": "11.3", "Long-term Debt": "0.829", "Assets": "-0.713", "Property, Plant and Equipment": "-0.614", "Other Assets": "-13.1", "Goodwill": "-1.01", "Loans and Leases Receivable": "8.00", "Cash Deposits and Cash Equivalents": "5.22", "Expenses": "0.620", "Revenues": "-0.502", "Net Income": "1.11", "Labor Expense": "0.441", "Other Revenues": "-0.502", "Comprehensive Net Income": "1.47", "Other Net Income": "0.984", "Economic Capital Ratio": "-0.546"}, "2017": {"Other Liabilities": "11.9", "Liabilities": "-0.998", "Stockholders Equity": "-2.04", "Economic Capital Ratio": "-0.465", "Liabilities and Borrowings": "-38.5", "Long-term Debt": "0.768", "Deposits": "-8.02", "Loans and Leases Receivable": "9.80", "Assets": "-1.02", "Cash Deposits and Cash Equivalents": "1.85", "Assets and Securities": "1.13", "Other Assets": "-13.1", "Property, Plant and Equipment": "-0.484", "Goodwill": "-1.16", "Expenses": "0.500", "Revenues": "-0.550", "Net Income": "1.54", "Labor Expense": "0.543", "Other Revenues": "-0.550", "Comprehensive Net Income": "1.60", "Other Net Income": "1.59"}, "2018": {"Other Liabilities": "13.5", "Liabilities": "-2.93", "Stockholders Equity": "-1.85", "ECR before LimitedLiability": "0.731", "Long-term Debt": "0.671", "Liabilities and Borrowings": "-39.1", "Deposits": "-9.83", "Assets": "0.732", "Assets and Securities": "-2.86", "Other Assets": "-10.2", "Loans and Leases Receivable": "11.4", "Goodwill": "-1.23", "Cash Deposits and Cash Equivalents": "2.99", "Labor Expense": "2.09", "Expenses": "3.30", "Revenues": "-0.793", "Net Income": "2.55", "Other Noninterest Expense": "0.496", "Other Revenues": "-0.793", "Comprehensive Net Income": "2.81", "Economic Capital Ratio": "0.644"}, "2019": {"Long-term Debt": "0.573", "Liabilities": "-3.38", "Stockholders Equity": "-1.76", "ECR before LimitedLiability": "-0.815", "Deposits": "-8.22", "Other Liabilities": "14.4", "Liabilities and Borrowings": "-34.6", "Loans and Leases Receivable": "10.3", "Assets": "1.15", "Other Assets": "-7.22", "Goodwill": "-1.23", "Cash Deposits and Cash Equivalents": "1.70", "Assets and Securities": "-2.36", "Expenses": "3.43", "Revenues": "-0.843", "Net Income": "1.90", "Labor Expense": "2.10", "Other Revenues": "-0.843", "Comprehensive Net Income": "1.47", "Other Net Income": "-0.715", "Economic Capital Ratio": "-0.843"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001430723_strength_weakness.svg", "table_records": {"2014": {"input_variables": {"Assets and Securities": "309,853", "Cash Deposits and Cash Equivalents": "297,464", "Deposits": "3,398,160", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,614,751", "Loans and Leases Receivable": "3,324,229", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "159,318", "Other Compr. Net Income": "599", "Other Expenses": "21,601", "Other Liabilities": "-2,321,445", "Other Net Income": "73,978", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "7,815"}, "output_variables": {"Liabilities": "3,691,466", "Assets": "4,098,679", "Expenses": "21,601", "Revenues": "0", "Stockholders Equity": "407,213", "Net Income": "52,377", "Comprehensive Net Income": "52,976", "BaseVar": "4,069,636", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2015": {"input_variables": {"Assets and Securities": "360,816", "Cash Deposits and Cash Equivalents": "352,235", "Deposits": "4,223,888", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,238,166", "Loans and Leases Receivable": "4,172,956", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "190,068", "Other Compr. Net Income": "-1,442", "Other Expenses": "25,465", "Other Liabilities": "-2,815,692", "Other Net Income": "89,005", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "19,434"}, "output_variables": {"Liabilities": "4,646,362", "Assets": "5,095,509", "Expenses": "25,465", "Revenues": "0", "Stockholders Equity": "449,147", "Net Income": "63,540", "Comprehensive Net Income": "62,098", "BaseVar": "5,081,316", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2016": {"input_variables": {"Assets and Securities": "440,692", "Cash Deposits and Cash Equivalents": "783,997", "Deposits": "5,420,311", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,205,609", "Loans and Leases Receivable": "4,859,877", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "245,568", "Other Compr. Net Income": "-3,672", "Other Expenses": "29,339", "Other Liabilities": "-3,778,361", "Other Net Income": "110,818", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "40,314"}, "output_variables": {"Liabilities": "5,847,559", "Assets": "6,370,448", "Expenses": "29,339", "Revenues": "0", "Stockholders Equity": "522,889", "Net Income": "81,479", "Comprehensive Net Income": "77,807", "BaseVar": "6,370,053", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2017": {"input_variables": {"Assets and Securities": "565,678", "Cash Deposits and Cash Equivalents": "477,586", "Deposits": "6,091,674", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,727,686", "Loans and Leases Receivable": "5,791,855", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "188,365", "Other Compr. Net Income": "-1,263", "Other Expenses": "51,086", "Other Liabilities": "-4,344,580", "Other Net Income": "150,186", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "58,900"}, "output_variables": {"Liabilities": "6,474,780", "Assets": "7,082,384", "Expenses": "51,086", "Revenues": "0", "Stockholders Equity": "607,604", "Net Income": "99,100", "Comprehensive Net Income": "97,837", "BaseVar": "7,146,183", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2018": {"input_variables": {"Assets and Securities": "600,138", "Cash Deposits and Cash Equivalents": "681,895", "Deposits": "6,915,708", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,435,732", "Loans and Leases Receivable": "6,464,899", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "202,628", "Other Compr. Net Income": "305", "Other Expenses": "32,367", "Other Liabilities": "-5,059,261", "Other Net Income": "190,898", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "57,822"}, "output_variables": {"Liabilities": "7,292,179", "Assets": "8,007,382", "Expenses": "32,367", "Revenues": "0", "Stockholders Equity": "715,203", "Net Income": "158,531", "Comprehensive Net Income": "158,837", "BaseVar": "8,055,560", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2019": {"input_variables": {"Assets and Securities": "785,548", "Cash Deposits and Cash Equivalents": "630,600", "Deposits": "7,530,433", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,872,409", "Loans and Leases Receivable": "7,184,867", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "290,142", "Other Compr. Net Income": "-4,528", "Other Expenses": "37,037", "Other Liabilities": "-5,297,871", "Other Net Income": "200,503", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "56,496"}, "output_variables": {"Liabilities": "8,104,971", "Assets": "8,947,653", "Expenses": "37,037", "Revenues": "0", "Stockholders Equity": "842,682", "Net Income": "163,466", "Comprehensive Net Income": "158,938", "BaseVar": "8,965,664", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}}, "top_rated": false, "trend": -13.0, "value": 0.14414066129017736, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001430723.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001430723.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001430723.svg"}, {"company_id": "0000860413", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000860413.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 70, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 Assets, increasing the Economic Capital Ratio by 14% points.The greatest weakness of First Interstate Bancsystem INC is the variable Loans and Leases Receivable, reducing the Economic Capital Ratio by 37% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 14%, being 0.87% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000860413_2020_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"}, "2013": {"Long-term Debt": "0.885", "Liabilities": "0.760", "Stockholders Equity": "0.183", "ECR before LimitedLiability": "1.09", "Liabilities and Borrowings": "11.3", "Other Liabilities": "-20.8", "Deposits": "-6.75", "Goodwill": "0.951", "Assets": "-0.495", "Loans and Leases Receivable": "-0.606", "Cash Deposits and Cash Equivalents": "1.78", "Assets and Securities": "11.1", "Other Assets": "-18.0", "Property, Plant and Equipment": "0.552", "Expenses": "-0.479", "Other Net Income": "1.51", "Net Income": "0.896", "Other Expenses": "-0.911", "Labor Expense": "0.272", "Comprehensive Net Income": "0.846", "Economic Capital Ratio": "0.946"}, "2017": {"Other Liabilities": "12.8", "Liabilities": "5.98", "Economic Capital Ratio": "0.412", "Liabilities and Borrowings": "-25.4", "Long-term Debt": "0.846", "Deposits": "0.725", "Loans and Leases Receivable": "-38.1", "Assets": "-5.74", "Cash Deposits and Cash Equivalents": "1.31", "Assets and Securities": "10.6", "Other Assets": "12.8", "Goodwill": "1.44", "Expenses": "-7.09", "Revenues": "3.70", "Net Income": "1.25", "Other Noninterest Expense": "-1.69", "Other Expenses": "-0.940", "Occupancy": "-0.586", "Labor Expense": "-3.26", "Other Revenues": "3.70", "Other Net Income": "4.26", "Other Compr. Net Income": "-1.66"}, "2018": {"Other Liabilities": "10.7", "Liabilities": "3.60", "ECR before LimitedLiability": "-2.01", "Liabilities and Borrowings": "-23.3", "Assets": "-2.83", "Assets and Securities": "5.91", "Other Assets": "10.8", "Loans and Leases Receivable": "-37.1", "Goodwill": "1.68", "Cash Deposits and Cash Equivalents": "1.10", "Labor Expense": "-1.95", "Expenses": "-5.21", "Net Income": "-2.29", "Other Noninterest Expense": "-1.28", "IT and Equipment Expense": "-0.856", "Other Revenues": "-0.824", "Revenues": "-0.824", "Comprehensive Net Income": "-3.38", "Other Compr. Net Income": "-1.06", "Other Net Income": "3.34", "Economic Capital Ratio": "-2.10"}, "2019": {"Liabilities": "4.06", "Stockholders Equity": "1.32", "ECR before LimitedLiability": "-0.844", "Deposits": "-0.712", "Other Liabilities": "13.8", "Liabilities and Borrowings": "-22.0", "Loans and Leases Receivable": "-37.4", "Assets": "-2.28", "Other Assets": "14.4", "Goodwill": "1.87", "Cash Deposits and Cash Equivalents": "1.81", "Assets and Securities": "6.99", "Other Noninterest Expense": "-1.28", "Expenses": "-5.09", "Net Income": "-1.25", "Other Net Income": "4.23", "Labor Expense": "-1.86", "IT and Equipment Expense": "-0.913", "Comprehensive Net Income": "-2.69", "Other Compr. Net Income": "-1.44", "Economic Capital Ratio": "-0.872"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "2,212,599", "Cash Deposits and Cash Equivalents": "534,827", "Deposits": "6,133,750", "Fees": "0", "Goodwill": "183,673", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "4,259,514", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "194,348", "Other Compr. Net Income": "-32,032", "Other Expenses": "46,566", "Other Liabilities": "629,320", "Other Net Income": "132,702", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "179,690"}, "output_variables": {"Liabilities": "6,763,070", "Assets": "7,564,651", "Expenses": "46,566", "Revenues": "0", "Stockholders Equity": "801,581", "Net Income": "86,136", "Comprehensive Net Income": "54,104", "BaseVar": "7,547,370", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2017": {"input_variables": {"Assets and Securities": "2,838,953", "Cash Deposits and Cash Equivalents": "758,986", "Deposits": "9,934,900", "Fees": "11,452", "Goodwill": "444,704", "IT and Equipment Expense": "11,467", "Labor Expense": "122,751", "Liabilities and Borrowings": "7,034,829", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "22,410", "Other Assets": "7,928,712", "Other Compr. Net Income": "-56,585", "Other Expenses": "132,471", "Other Liabilities": "-6,184,090", "Other Net Income": "452,745", "Other Noninterest Expense": "57,087", "Other Revenues": "141,753", "Property, Plant and Equipment": "241,900"}, "output_variables": {"Liabilities": "10,785,639", "Assets": "12,213,255", "Expenses": "357,638", "Revenues": "141,753", "Stockholders Equity": "1,427,616", "Net Income": "236,860", "Comprehensive Net Income": "180,275", "BaseVar": "13,330,277", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2018": {"input_variables": {"Assets and Securities": "2,836,600", "Cash Deposits and Cash Equivalents": "822,000", "Deposits": "10,680,700", "Fees": "12,606", "Goodwill": "546,700", "IT and Equipment Expense": "190,974", "Labor Expense": "152,042", "Liabilities and Borrowings": "7,522,400", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "25,860", "Other Assets": "8,849,700", "Other Compr. Net Income": "-55,758", "Other Expenses": "77,999", "Other Liabilities": "-6,596,800", "Other Net Income": "480,998", "Other Noninterest Expense": "64,439", "Other Revenues": "139,119", "Property, Plant and Equipment": "245,200"}, "output_variables": {"Liabilities": "11,606,300", "Assets": "13,300,200", "Expenses": "523,919", "Revenues": "139,119", "Stockholders Equity": "1,693,900", "Net Income": "96,198", "Comprehensive Net Income": "40,440", "BaseVar": "14,630,878", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2019": {"input_variables": {"Assets and Securities": "3,239,900", "Cash Deposits and Cash Equivalents": "1,076,800", "Deposits": "11,663,500", "Fees": "15,426", "Goodwill": "621,600", "IT and Equipment Expense": "48,837", "Labor Expense": "157,514", "Liabilities and Borrowings": "8,237,000", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "28,804", "Other Assets": "9,399,900", "Other Compr. Net Income": "-16,615", "Other Expenses": "81,926", "Other Liabilities": "-7,270,200", "Other Net Income": "592,102", "Other Noninterest Expense": "66,547", "Other Revenues": "9,916", "Property, Plant and Equipment": "306,000"}, "output_variables": {"Liabilities": "12,630,300", "Assets": "14,644,200", "Expenses": "399,053", "Revenues": "9,916", "Stockholders Equity": "2,013,900", "Net Income": "202,964", "Comprehensive Net Income": "186,349", "BaseVar": "15,484,349", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "16%"}}}, "top_rated": false, "trend": 24.0, "value": 0.1438512836781482, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000860413.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000860413.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000860413.svg"}, {"company_id": "0000836147", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000836147.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 71, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 13% points.The greatest weakness of Middlefield BANC 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 14%, being 0.93% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000836147_2020_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"}, "2013": {"Long-term Debt": "0.640", "Liabilities": "-0.146", "Stockholders Equity": "-1.43", "Liabilities and Borrowings": "6.64", "Other Liabilities": "-5.25", "Deposits": "-11.3", "Goodwill": "-0.251", "Assets": "-1.21", "Loans and Leases Receivable": "4.70", "Cash Deposits and Cash Equivalents": "-0.362", "Assets and Securities": "-4.11", "Other Assets": "-1.76", "Expenses": "0.514", "Net Income": "0.489", "Other Expenses": "0.200", "Labor Expense": "0.206", "Other Revenues": "-0.122", "Revenues": "-0.122", "ECR before LimitedLiability": "-3.36", "Other Compr. Net Income": "-2.40", "Comprehensive Net Income": "-1.79", "Economic Capital Ratio": "-3.51"}, "2014": {"Deposits": "-10.8", "Liabilities": "-0.413", "Stockholders Equity": "-1.19", "ECR before LimitedLiability": "1.41", "Other Liabilities": "-7.18", "Liabilities and Borrowings": "11.8", "Long-term Debt": "1.31", "Cash Deposits and Cash Equivalents": "-0.300", "Assets": "-0.732", "Other Assets": "-1.20", "Assets and Securities": "-4.35", "Goodwill": "-0.371", "Loans and Leases Receivable": "5.70", "Expenses": "0.887", "Net Income": "0.538", "Other Expenses": "0.351", "Labor Expense": "0.329", "Other Revenues": "-0.297", "Revenues": "-0.297", "Other Compr. Net Income": "2.03", "Comprehensive Net Income": "2.56", "Economic Capital Ratio": "1.37"}, "2015": {"Deposits": "-10.5", "Liabilities": "-1.83", "Loans and Leases Receivable": "6.44", "Stockholders Equity": "-1.51", "ECR before LimitedLiability": "-1.38", "Long-term Debt": "1.08", "Other Liabilities": "-11.5", "Liabilities and Borrowings": "9.53", "Expenses": "1.08", "Revenues": "-0.310", "Comprehensive Net Income": "0.277", "Other Expenses": "0.610", "Labor Expense": "0.266", "Other Revenues": "-0.310", "Assets and Securities": "-4.02", "Cash Deposits and Cash Equivalents": "-0.551", "Goodwill": "-0.376", "Other Assets": "-2.32", "Other Compr. Net Income": "0.199", "Other Net Income": "-0.719", "Economic Capital Ratio": "-1.42"}, "2016": {"Liabilities and Borrowings": "9.87", "Liabilities": "-1.68", "Assets": "0.911", "Stockholders Equity": "-0.547", "ECR before LimitedLiability": "-1.25", "Deposits": "-5.37", "Other Liabilities": "-17.6", "Long-term Debt": "0.795", "Assets and Securities": "-4.80", "Other Assets": "-3.98", "Goodwill": "-0.566", "Loans and Leases Receivable": "8.38", "Other Expenses": "0.668", "Expenses": "1.33", "Revenues": "-0.486", "Net Income": "-0.501", "Labor Expense": "0.426", "Other Revenues": "-0.486", "Comprehensive Net Income": "-0.477", "Other Net Income": "-1.40", "Economic Capital Ratio": "-1.29"}, "2017": {"Other Liabilities": "-17.0", "Liabilities": "-1.27", "ECR before LimitedLiability": "-0.268", "Liabilities and Borrowings": "10.6", "Long-term Debt": "0.758", "Deposits": "-3.94", "Loans and Leases Receivable": "10.7", "Assets": "1.08", "Expenses": "1.33", "Revenues": "-0.541", "Cash Deposits and Cash Equivalents": "-0.341", "Assets and Securities": "-4.51", "Other Assets": "-7.42", "Property, Plant and Equipment": "-0.283", "Goodwill": "-0.145", "Other Expenses": "0.492", "Occupancy": "0.104", "Labor Expense": "0.535", "Other Revenues": "-0.541", "Economic Capital Ratio": "-0.316", "Other Net Income": "-0.862"}, "2018": {"Other Liabilities": "-17.5", "Liabilities": "-3.83", "Assets": "2.65", "Stockholders Equity": "-0.519", "ECR before LimitedLiability": "-0.972", "Long-term Debt": "0.638", "Liabilities and Borrowings": "10.6", "Deposits": "-6.95", "Assets and Securities": "-7.87", "Other Assets": "-4.94", "Loans and Leases Receivable": "10.2", "Cash Deposits and Cash Equivalents": "3.10", "Labor Expense": "1.99", "Expenses": "3.80", "Occupancy": "0.340", "Other Noninterest Expense": "0.477", "Other Expenses": "0.753", "Other Revenues": "-0.767", "Revenues": "-0.767", "Economic Capital Ratio": "-1.06", "Other Net Income": "-3.34"}, "2019": {"Long-term Debt": "0.563", "Liabilities": "-3.62", "Assets": "3.26", "Comprehensive Net Income": "-0.439", "ECR before LimitedLiability": "-0.905", "Deposits": "-12.6", "Other Liabilities": "-13.0", "Liabilities and Borrowings": "12.7", "Loans and Leases Receivable": "12.3", "Other Assets": "-7.52", "Cash Deposits and Cash Equivalents": "-1.20", "Assets and Securities": "-2.02", "Other Noninterest Expense": "0.437", "Expenses": "4.06", "Revenues": "-0.828", "Other Expenses": "0.850", "Occupancy": "0.347", "Labor Expense": "2.06", "Other Revenues": "-0.828", "Other Net Income": "-3.54", "Economic Capital Ratio": "-0.933"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "26,193", "Deposits": "568,836", "Fees": "0", "Goodwill": "4,559", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "65,350", "Loans and Leases Receivable": "428,679", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "177,831", "Other Compr. Net Income": "-7,628", "Other Expenses": "1,979", "Other Liabilities": "-40,569", "Other Net Income": "9,007", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "9,828"}, "output_variables": {"Liabilities": "593,617", "Assets": "647,090", "Expenses": "1,979", "Revenues": "0", "Stockholders Equity": "53,473", "Net Income": "7,028", "Comprehensive Net Income": "-600", "BaseVar": "654,138", "ECR before LimitedLiability": "6.3%", "Economic Capital Ratio": "6.9%"}}, "2014": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "25,639", "Deposits": "586,112", "Fees": "0", "Goodwill": "4,559", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "67,001", "Loans and Leases Receivable": "464,176", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "173,177", "Other Compr. Net Income": "-7,614", "Other Expenses": "2,011", "Other Liabilities": "-39,449", "Other Net Income": "9,368", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "9,980"}, "output_variables": {"Liabilities": "613,664", "Assets": "677,531", "Expenses": "2,011", "Revenues": "0", "Stockholders Equity": "63,867", "Net Income": "7,357", "Comprehensive Net Income": "-257", "BaseVar": "680,068", "ECR before LimitedLiability": "7.5%", "Economic Capital Ratio": "7.9%"}}, "2015": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "23,750", "Deposits": "624,447", "Fees": "0", "Goodwill": "4,559", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "67,158", "Loans and Leases Receivable": "528,432", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "168,626", "Other Compr. Net Income": "2,556", "Other Expenses": "946", "Other Liabilities": "-18,770", "Other Net Income": "7,556", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "9,772"}, "output_variables": {"Liabilities": "672,835", "Assets": "735,139", "Expenses": "946", "Revenues": "0", "Stockholders Equity": "62,304", "Net Income": "6,611", "Comprehensive Net Income": "9,167", "BaseVar": "724,057", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2016": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "32,495", "Deposits": "629,934", "Fees": "0", "Goodwill": "4,559", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "68,997", "Loans and Leases Receivable": "603,176", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "136,388", "Other Compr. Net Income": "-719", "Other Expenses": "2,195", "Other Liabilities": "11,930", "Other Net Income": "8,200", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "11,203"}, "output_variables": {"Liabilities": "710,861", "Assets": "787,821", "Expenses": "2,195", "Revenues": "0", "Stockholders Equity": "76,960", "Net Income": "6,005", "Comprehensive Net Income": "5,286", "BaseVar": "769,513", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "11%"}}, "2017": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "39,886", "Deposits": "878,194", "Fees": "0", "Goodwill": "15,071", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "113,055", "Loans and Leases Receivable": "916,486", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "123,040", "Other Compr. Net Income": "-606", "Other Expenses": "11,630", "Other Liabilities": "-4,776", "Other Net Income": "19,436", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "11,853"}, "output_variables": {"Liabilities": "986,473", "Assets": "1,106,336", "Expenses": "11,630", "Revenues": "0", "Stockholders Equity": "119,863", "Net Income": "7,806", "Comprehensive Net Income": "7,200", "BaseVar": "1,103,890", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2018": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "107,933", "Deposits": "1,016,067", "Fees": "0", "Goodwill": "15,071", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "126,329", "Loans and Leases Receivable": "985,278", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "127,113", "Other Compr. Net Income": "-748", "Other Expenses": "2,795", "Other Liabilities": "-22,288", "Other Net Income": "15,118", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "13,003"}, "output_variables": {"Liabilities": "1,120,108", "Assets": "1,248,398", "Expenses": "2,795", "Revenues": "0", "Stockholders Equity": "128,290", "Net Income": "12,323", "Comprehensive Net Income": "11,575", "BaseVar": "1,218,125", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2019": {"input_variables": {"Assets and Securities": "105,733", "Cash Deposits and Cash Equivalents": "35,113", "Deposits": "1,020,843", "Fees": "0", "Goodwill": "15,071", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "120,669", "Loans and Leases Receivable": "978,710", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "29,974", "Other Compr. Net Income": "454", "Other Expenses": "2,480", "Other Liabilities": "-96,812", "Other Net Income": "15,720", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "17,874"}, "output_variables": {"Liabilities": "1,044,700", "Assets": "1,182,475", "Expenses": "2,480", "Revenues": "0", "Stockholders Equity": "137,775", "Net Income": "13,240", "Comprehensive Net Income": "13,694", "BaseVar": "1,147,443", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}}, "top_rated": false, "trend": 6.0, "value": 0.14324384103806084, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000836147.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000836147.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000836147.svg"}, {"company_id": "0001478454", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001478454.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 72, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 14% points.The greatest weakness of Eagle Bancorp Montana 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 14%, being 0.96% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001478454_2020_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"}, "2014": {"Deposits": "3.50", "Liabilities": "6.40", "Assets": "-8.87", "Stockholders Equity": "-1.89", "ECR before LimitedLiability": "-2.77", "Other Liabilities": "10.2", "Liabilities and Borrowings": "-40.3", "Long-term Debt": "1.31", "Cash Deposits and Cash Equivalents": "-1.76", "Other Assets": "3.81", "Assets and Securities": "-4.73", "Loans and Leases Receivable": "-7.95", "Expenses": "-13.3", "Revenues": "5.09", "Net Income": "-2.63", "Occupancy": "-1.76", "Labor Expense": "-8.27", "Other Revenues": "5.09", "Comprehensive Net Income": "-2.34", "Other Net Income": "3.49", "Economic Capital Ratio": "-2.81"}, "2016": {"Liabilities and Borrowings": "-34.4", "Liabilities": "-2.16", "Stockholders Equity": "-1.29", "ECR before LimitedLiability": "-2.01", "Deposits": "-1.60", "Other Liabilities": "9.74", "Long-term Debt": "0.765", "Assets and Securities": "7.52", "Assets": "0.626", "Property, Plant and Equipment": "0.976", "Other Assets": "-10.8", "Loans and Leases Receivable": "3.79", "Cash Deposits and Cash Equivalents": "-2.24", "Other Expenses": "0.564", "Expenses": "1.20", "Revenues": "-0.474", "Net Income": "-0.689", "Other Revenues": "-0.474", "Comprehensive Net Income": "-0.473", "Other Net Income": "-1.49", "Economic Capital Ratio": "-2.05"}, "2017": {"Other Liabilities": "12.0", "Liabilities": "-1.40", "Stockholders Equity": "0.765", "Economic Capital Ratio": "-0.245", "Liabilities and Borrowings": "-30.4", "Long-term Debt": "-2.29", "Deposits": "1.30", "Loans and Leases Receivable": "5.46", "Assets": "1.88", "Cash Deposits and Cash Equivalents": "-2.19", "Assets and Securities": "8.01", "Other Assets": "-10.9", "Property, Plant and Equipment": "1.20", "Expenses": "1.62", "Net Income": "-1.09", "Other Expenses": "0.792", "Labor Expense": "0.532", "Other Revenues": "-0.538", "Revenues": "-0.538", "Comprehensive Net Income": "-0.669", "Other Compr. Net Income": "0.417", "Other Net Income": "-2.21"}, "2018": {"Other Liabilities": "10.4", "Liabilities": "-4.07", "ECR before LimitedLiability": "-2.04", "Long-term Debt": "-1.86", "Liabilities and Borrowings": "-26.5", "Deposits": "-0.533", "Property, Plant and Equipment": "1.51", "Assets": "3.38", "Assets and Securities": "3.83", "Other Assets": "-7.92", "Loans and Leases Receivable": "7.21", "Cash Deposits and Cash Equivalents": "-2.16", "Labor Expense": "1.90", "Expenses": "3.76", "Net Income": "-1.50", "Other Expenses": "0.955", "Other Revenues": "-0.747", "Revenues": "-0.747", "Comprehensive Net Income": "-1.67", "Other Net Income": "-5.06", "Economic Capital Ratio": "-2.13"}, "2019": {"Long-term Debt": "-1.55", "Liabilities": "-3.43", "ECR before LimitedLiability": "-0.932", "Deposits": "-3.00", "Other Liabilities": "13.7", "Liabilities and Borrowings": "-26.2", "Loans and Leases Receivable": "7.03", "Assets": "2.99", "Net Income": "-0.404", "Other Assets": "-4.60", "Property, Plant and Equipment": "1.88", "Cash Deposits and Cash Equivalents": "-1.65", "Assets and Securities": "0.443", "Other Noninterest Expense": "0.438", "Expenses": "3.81", "Revenues": "-0.831", "Other Expenses": "0.571", "Labor Expense": "2.07", "Other Revenues": "-0.831", "Other Net Income": "-3.45", "Economic Capital Ratio": "-0.959"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2014": {"input_variables": {"Assets and Securities": "1,364", "Cash Deposits and Cash Equivalents": "12,502", "Deposits": "440,983", "Fees": "826", "Goodwill": "7,034", "IT and Equipment Expense": "1,870", "Labor Expense": "12,822", "Liabilities and Borrowings": "380,476", "Loans and Leases Receivable": "316,270", "Long-term Debt": "0", "Occupancy": "2,774", "Other Assets": "203,073", "Other Compr. Net Income": "1,475", "Other Expenses": "2,595", "Other Liabilities": "-315,750", "Other Net Income": "14,628", "Other Noninterest Expense": "2,021", "Other Revenues": "10,041", "Property, Plant and Equipment": "19,964"}, "output_variables": {"Liabilities": "505,709", "Assets": "560,207", "Expenses": "22,908", "Revenues": "10,041", "Stockholders Equity": "54,498", "Net Income": "1,761", "Comprehensive Net Income": "3,236", "BaseVar": "621,987", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2016": {"input_variables": {"Assets and Securities": "130,276", "Cash Deposits and Cash Equivalents": "7,318", "Deposits": "512,795", "Fees": "0", "Goodwill": "7,034", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "429,918", "Loans and Leases Receivable": "461,391", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "48,513", "Other Compr. Net Income": "-621", "Other Expenses": "1,846", "Other Liabilities": "-328,244", "Other Net Income": "7,019", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "19,393"}, "output_variables": {"Liabilities": "614,469", "Assets": "673,925", "Expenses": "1,846", "Revenues": "0", "Stockholders Equity": "59,456", "Net Income": "5,173", "Comprehensive Net Income": "4,552", "BaseVar": "661,415", "ECR before LimitedLiability": "9.7%", "Economic Capital Ratio": "9.8%"}}, "2017": {"input_variables": {"Assets and Securities": "132,522", "Cash Deposits and Cash Equivalents": "7,437", "Deposits": "520,564", "Fees": "0", "Goodwill": "7,034", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "420,765", "Loans and Leases Receivable": "507,404", "Long-term Debt": "24,811", "Occupancy": "0", "Other Assets": "40,427", "Other Compr. Net Income": "250", "Other Expenses": "2,096", "Other Liabilities": "-332,974", "Other Net Income": "6,218", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "21,958"}, "output_variables": {"Liabilities": "633,166", "Assets": "716,782", "Expenses": "2,096", "Revenues": "0", "Stockholders Equity": "83,616", "Net Income": "4,122", "Comprehensive Net Income": "4,372", "BaseVar": "690,519", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2018": {"input_variables": {"Assets and Securities": "142,466", "Cash Deposits and Cash Equivalents": "11,201", "Deposits": "626,611", "Fees": "0", "Goodwill": "12,124", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "483,823", "Loans and Leases Receivable": "610,333", "Long-term Debt": "24,876", "Occupancy": "0", "Other Assets": "48,436", "Other Compr. Net Income": "-284", "Other Expenses": "1,101", "Other Liabilities": "-376,213", "Other Net Income": "5,890", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "29,343"}, "output_variables": {"Liabilities": "759,097", "Assets": "853,903", "Expenses": "1,101", "Revenues": "0", "Stockholders Equity": "94,806", "Net Income": "4,789", "Comprehensive Net Income": "4,505", "BaseVar": "819,702", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2019": {"input_variables": {"Assets and Securities": "130,258", "Cash Deposits and Cash Equivalents": "24,918", "Deposits": "808,993", "Fees": "0", "Goodwill": "15,836", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "608,958", "Loans and Leases Receivable": "770,635", "Long-term Debt": "24,941", "Occupancy": "0", "Other Assets": "72,531", "Other Compr. Net Income": "-1,417", "Other Expenses": "2,296", "Other Liabilities": "-510,291", "Other Net Income": "14,015", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "40,082"}, "output_variables": {"Liabilities": "932,601", "Assets": "1,054,260", "Expenses": "2,296", "Revenues": "0", "Stockholders Equity": "121,659", "Net Income": "11,719", "Comprehensive Net Income": "10,302", "BaseVar": "1,025,606", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": 23.0, "value": 0.1429770971421627, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001478454.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001478454.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001478454.svg"}, {"company_id": "0000842517", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000842517.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 73, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 14% points.The greatest weakness of Isabella BANK CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 42% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 14%, being 0.97% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000842517_2020_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"}, "2013": {"Liabilities": "4.77", "ECR before LimitedLiability": "-1.08", "Liabilities and Borrowings": "9.22", "Other Liabilities": "-34.5", "Deposits": "5.60", "Assets": "-5.79", "Comprehensive Net Income": "-1.59", "Loans and Leases Receivable": "-5.72", "Cash Deposits and Cash Equivalents": "-1.53", "Assets and Securities": "-3.80", "Other Assets": "5.12", "Other Noninterest Expense": "-1.96", "Expenses": "-7.43", "Revenues": "2.04", "IT and Equipment Expense": "-1.15", "Other Expenses": "1.32", "Labor Expense": "-5.04", "Other Revenues": "2.04", "Other Net Income": "3.99", "Other Compr. Net Income": "-1.67", "Economic Capital Ratio": "-1.22"}, "2014": {"Deposits": "3.35", "Liabilities": "-0.673", "Stockholders Equity": "0.507", "ECR before LimitedLiability": "1.11", "Other Liabilities": "-35.2", "Liabilities and Borrowings": "13.5", "Long-term Debt": "1.29", "Cash Deposits and Cash Equivalents": "-2.08", "Assets": "1.02", "Other Assets": "11.1", "Assets and Securities": "-3.64", "Goodwill": "-0.848", "Loans and Leases Receivable": "-4.41", "Expenses": "1.39", "Revenues": "-0.293", "Comprehensive Net Income": "0.771", "Other Expenses": "0.865", "Labor Expense": "0.324", "Other Revenues": "-0.293", "Other Net Income": "-1.14", "Other Compr. Net Income": "0.811", "Economic Capital Ratio": "1.08"}, "2015": {"Deposits": "2.18", "Liabilities": "-0.739", "Stockholders Equity": "0.600", "ECR before LimitedLiability": "0.912", "Long-term Debt": "1.16", "Other Liabilities": "-36.7", "Liabilities and Borrowings": "12.5", "Loans and Leases Receivable": "-7.07", "Assets": "1.18", "Assets and Securities": "-3.59", "Cash Deposits and Cash Equivalents": "-1.95", "Goodwill": "-0.834", "Other Assets": "11.3", "Expenses": "1.18", "Revenues": "-0.322", "Comprehensive Net Income": "0.479", "Other Expenses": "0.689", "Other Revenues": "-0.322", "Other Compr. Net Income": "0.451", "Other Net Income": "-0.845", "Economic Capital Ratio": "0.871"}, "2016": {"Liabilities and Borrowings": "11.2", "Liabilities": "-1.50", "ECR before LimitedLiability": "-0.492", "Deposits": "3.25", "Other Liabilities": "-40.1", "Long-term Debt": "0.815", "Assets and Securities": "-4.23", "Assets": "1.60", "Other Assets": "9.20", "Goodwill": "-0.989", "Loans and Leases Receivable": "-2.67", "Cash Deposits and Cash Equivalents": "-2.09", "Other Expenses": "1.06", "Expenses": "1.73", "Net Income": "-0.546", "Labor Expense": "0.433", "Other Revenues": "-0.492", "Revenues": "-0.492", "Comprehensive Net Income": "-0.608", "Other Net Income": "-1.84", "Economic Capital Ratio": "-0.536"}, "2017": {"Other Liabilities": "-40.6", "Liabilities": "-2.08", "ECR before LimitedLiability": "-0.658", "Liabilities and Borrowings": "11.6", "Long-term Debt": "0.744", "Deposits": "3.53", "Loans and Leases Receivable": "-2.37", "Assets": "1.75", "Cash Deposits and Cash Equivalents": "-1.71", "Assets and Securities": "-4.08", "Other Assets": "9.46", "Goodwill": "-1.13", "Expenses": "2.07", "Net Income": "-0.489", "Other Expenses": "1.26", "Labor Expense": "0.526", "Other Revenues": "-0.533", "Revenues": "-0.533", "Comprehensive Net Income": "-0.341", "Other Net Income": "-2.10", "Economic Capital Ratio": "-0.707"}, "2018": {"Other Liabilities": "-42.3", "Liabilities": "-3.94", "Assets": "2.94", "ECR before LimitedLiability": "-2.21", "Long-term Debt": "0.611", "Liabilities and Borrowings": "10.5", "Deposits": "2.24", "Assets and Securities": "8.92", "Other Assets": "-7.83", "Goodwill": "-1.19", "Labor Expense": "1.89", "Expenses": "3.83", "Net Income": "-0.849", "Other Noninterest Expense": "0.461", "Other Expenses": "1.07", "Other Revenues": "-0.747", "Revenues": "-0.747", "Comprehensive Net Income": "-1.46", "Other Compr. Net Income": "-0.604", "Other Net Income": "-4.53", "Economic Capital Ratio": "-2.30"}, "2019": {"Long-term Debt": "0.560", "Liabilities": "-4.07", "ECR before LimitedLiability": "-0.939", "Other Liabilities": "-41.9", "Liabilities and Borrowings": "14.2", "Loans and Leases Receivable": "1.57", "Assets": "3.61", "Net Income": "-1.57", "Other Assets": "-5.25", "Goodwill": "-1.20", "Cash Deposits and Cash Equivalents": "-0.910", "Assets and Securities": "8.83", "Other Noninterest Expense": "0.434", "Expenses": "4.55", "Revenues": "-0.824", "Other Expenses": "1.39", "Labor Expense": "2.05", "Other Revenues": "-0.824", "Other Net Income": "-5.42", "Other Compr. Net Income": "1.18", "Economic Capital Ratio": "-0.967"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "20,605", "Cash Deposits and Cash Equivalents": "41,558", "Deposits": "1,043,766", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "4,945", "Labor Expense": "21,465", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "796,537", "Long-term Debt": "0", "Occupancy": "2,653", "Other Assets": "608,718", "Other Compr. Net Income": "-13,544", "Other Expenses": "0", "Other Liabilities": "288,762", "Other Net Income": "41,944", "Other Noninterest Expense": "8,350", "Other Revenues": "10,175", "Property, Plant and Equipment": "25,719"}, "output_variables": {"Liabilities": "1,332,528", "Assets": "1,493,137", "Expenses": "37,413", "Revenues": "10,175", "Stockholders Equity": "160,609", "Net Income": "14,706", "Comprehensive Net Income": "1,162", "BaseVar": "1,599,915", "ECR before LimitedLiability": "9.1%", "Economic Capital Ratio": "9.2%"}}, "2014": {"input_variables": {"Assets and Securities": "14,632", "Cash Deposits and Cash Equivalents": "19,326", "Deposits": "1,074,484", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "4,827", "Labor Expense": "20,953", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "823,482", "Long-term Debt": "0", "Occupancy": "2,590", "Other Assets": "666,222", "Other Compr. Net Income": "-13,411", "Other Expenses": "1,028", "Other Liabilities": "300,465", "Other Net Income": "27,702", "Other Noninterest Expense": "8,151", "Other Revenues": "9,932", "Property, Plant and Equipment": "25,881"}, "output_variables": {"Liabilities": "1,374,949", "Assets": "1,549,543", "Expenses": "37,548", "Revenues": "9,932", "Stockholders Equity": "174,594", "Net Income": "86", "Comprehensive Net Income": "-13,324", "BaseVar": "1,623,043", "ECR before LimitedLiability": "5.9%", "Economic Capital Ratio": "6.7%"}}, "2015": {"input_variables": {"Assets and Securities": "9,991", "Cash Deposits and Cash Equivalents": "21,569", "Deposits": "1,164,563", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "843,092", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "765,129", "Other Compr. Net Income": "2,781", "Other Expenses": "3,063", "Other Liabilities": "319,578", "Other Net Income": "17,717", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "28,331"}, "output_variables": {"Liabilities": "1,484,141", "Assets": "1,668,112", "Expenses": "3,063", "Revenues": "0", "Stockholders Equity": "183,971", "Net Income": "14,654", "Comprehensive Net Income": "17,435", "BaseVar": "1,618,889", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2016": {"input_variables": {"Assets and Securities": "13,576", "Cash Deposits and Cash Equivalents": "22,894", "Deposits": "1,195,040", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,003,215", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "663,152", "Other Compr. Net Income": "-1,619", "Other Expenses": "2,595", "Other Liabilities": "349,212", "Other Net Income": "16,827", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "29,314"}, "output_variables": {"Liabilities": "1,544,252", "Assets": "1,732,151", "Expenses": "2,595", "Revenues": "0", "Stockholders Equity": "187,899", "Net Income": "14,232", "Comprehensive Net Income": "12,613", "BaseVar": "1,676,391", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2017": {"input_variables": {"Assets and Securities": "10,056", "Cash Deposits and Cash Equivalents": "30,848", "Deposits": "1,265,258", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,083,819", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "659,957", "Other Compr. Net Income": "-786", "Other Expenses": "2,833", "Other Liabilities": "352,967", "Other Net Income": "16,221", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "28,450"}, "output_variables": {"Liabilities": "1,618,225", "Assets": "1,813,130", "Expenses": "2,833", "Revenues": "0", "Stockholders Equity": "194,905", "Net Income": "13,388", "Comprehensive Net Income": "12,602", "BaseVar": "1,751,688", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2018": {"input_variables": {"Assets and Securities": "507,271", "Cash Deposits and Cash Equivalents": "73,471", "Deposits": "1,292,693", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,120,332", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "108,418", "Other Compr. Net Income": "-3,042", "Other Expenses": "1,868", "Other Liabilities": "349,095", "Other Net Income": "15,644", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "27,815"}, "output_variables": {"Liabilities": "1,641,788", "Assets": "1,837,307", "Expenses": "1,868", "Revenues": "0", "Stockholders Equity": "195,519", "Net Income": "13,775", "Comprehensive Net Income": "10,733", "BaseVar": "1,776,853", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2019": {"input_variables": {"Assets and Securities": "442,885", "Cash Deposits and Cash Equivalents": "60,572", "Deposits": "1,313,851", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,178,631", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "105,868", "Other Compr. Net Income": "2,901", "Other Expenses": "1,375", "Other Liabilities": "290,165", "Other Net Income": "14,696", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "26,242"}, "output_variables": {"Liabilities": "1,604,016", "Assets": "1,814,198", "Expenses": "1,375", "Revenues": "0", "Stockholders Equity": "210,182", "Net Income": "13,321", "Comprehensive Net Income": "16,222", "BaseVar": "1,743,542", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": 27.0, "value": 0.14290155403904364, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000842517.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000842517.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000842517.svg"}, {"company_id": "0001675644", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001675644.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001675644.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001675644.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001675644_256x256.png", "name": "Fvcbankcorp Inc", "rank": 74, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001675644.svg", "report_text": "The relative strengths and weaknesses of Fvcbankcorp 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 Fvcbankcorp Inc compared to the market average is the variable Loans and Leases Receivable, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Fvcbankcorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 9.8% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 14%, being 0.98% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001675644_2020_Fvcbankcorp_Inc.pdf", "shrinked_graph_json": {"2019": {"Long-term Debt": "0.564", "Liabilities": "-3.48", "ECR before LimitedLiability": "-0.955", "Deposits": "-9.77", "Other Liabilities": "7.59", "Liabilities and Borrowings": "-3.59", "Loans and Leases Receivable": "12.1", "Assets": "3.13", "Comprehensive Net Income": "-0.496", "Other Assets": "-5.17", "Goodwill": "-1.21", "Property, Plant and Equipment": "-0.836", "Cash Deposits and Cash Equivalents": "-1.79", "Assets and Securities": "-1.49", "Expenses": "3.88", "Revenues": "-0.830", "Other Expenses": "0.650", "Labor Expense": "2.07", "Other Revenues": "-0.830", "Other Net Income": "-3.52", "Economic Capital Ratio": "-0.983"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001675644_strength_weakness.svg", "table_records": {"2019": {"input_variables": {"Assets and Securities": "149,069", "Cash Deposits and Cash Equivalents": "33,142", "Deposits": "1,285,722", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "557,148", "Loans and Leases Receivable": "1,260,295", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "92,705", "Other Compr. Net Income": "3,101", "Other Expenses": "4,184", "Other Liabilities": "-484,653", "Other Net Income": "20,012", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "2,084"}, "output_variables": {"Liabilities": "1,358,217", "Assets": "1,537,295", "Expenses": "4,184", "Revenues": "0", "Stockholders Equity": "179,078", "Net Income": "15,828", "Comprehensive Net Income": "18,929", "BaseVar": "1,497,300", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}}, "top_rated": false, "trend": null, "value": 0.14274408623250495, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001675644.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001675644.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001675644.svg"}, {"company_id": "0000732417", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000732417.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 75, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 14% points.The greatest weakness of Hills Bancorporation is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 39% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 14%, being 1.1% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000732417_2020_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"}, "2013": {"Long-term Debt": "0.926", "Liabilities": "1.08", "Stockholders Equity": "1.99", "ECR before LimitedLiability": "4.27", "Liabilities and Borrowings": "-45.5", "Other Liabilities": "14.6", "Deposits": "-6.20", "Goodwill": "-0.729", "Assets": "0.912", "Loans and Leases Receivable": "14.4", "Cash Deposits and Cash Equivalents": "-1.84", "Assets and Securities": "-4.26", "Other Assets": "-11.1", "Other Revenues": "-0.161", "Revenues": "-0.161", "Net Income": "1.22", "Other Compr. Net Income": "1.13", "Comprehensive Net Income": "2.35", "Other Net Income": "1.48", "Other Expenses": "-0.532", "Labor Expense": "0.277", "Economic Capital Ratio": "4.13"}, "2014": {"Deposits": "-4.55", "Liabilities": "0.815", "Stockholders Equity": "1.41", "ECR before LimitedLiability": "1.40", "Other Liabilities": "14.3", "Liabilities and Borrowings": "-46.2", "Long-term Debt": "1.30", "Cash Deposits and Cash Equivalents": "-2.10", "Assets": "0.600", "Other Assets": "-9.39", "Assets and Securities": "-4.23", "Goodwill": "-0.778", "Loans and Leases Receivable": "13.7", "Other Revenues": "-0.297", "Revenues": "-0.297", "Net Income": "0.979", "Other Net Income": "1.11", "Other Expenses": "-0.375", "Labor Expense": "0.328", "Economic Capital Ratio": "1.36", "Other Compr. Net Income": "-0.976"}, "2015": {"Deposits": "-2.58", "Liabilities": "1.13", "Stockholders Equity": "1.68", "ECR before LimitedLiability": "2.75", "Long-term Debt": "1.21", "Other Liabilities": "14.5", "Liabilities and Borrowings": "-38.1", "Loans and Leases Receivable": "13.5", "Assets": "0.578", "Assets and Securities": "-3.92", "Cash Deposits and Cash Equivalents": "-1.88", "Goodwill": "-0.768", "Other Assets": "-9.20", "Other Revenues": "-0.330", "Revenues": "-0.330", "Net Income": "0.897", "Comprehensive Net Income": "1.07", "Other Expenses": "-0.455", "Labor Expense": "0.285", "Other Net Income": "1.17", "Economic Capital Ratio": "2.71"}, "2016": {"Liabilities and Borrowings": "-37.1", "Liabilities": "0.848", "Stockholders Equity": "1.57", "ECR before LimitedLiability": "2.73", "Deposits": "-2.35", "Other Liabilities": "14.5", "Long-term Debt": "0.880", "Assets and Securities": "-4.72", "Assets": "0.720", "Other Assets": "-7.58", "Goodwill": "-0.939", "Loans and Leases Receivable": "13.3", "Cash Deposits and Cash Equivalents": "-2.05", "Other Revenues": "-0.515", "Revenues": "-0.515", "Net Income": "0.900", "Comprehensive Net Income": "1.20", "Other Expenses": "-0.435", "Other Net Income": "1.12", "Labor Expense": "0.457", "Economic Capital Ratio": "2.69"}, "2017": {"Other Liabilities": "13.6", "Liabilities": "5.45", "ECR before LimitedLiability": "1.24", "Liabilities and Borrowings": "-36.3", "Long-term Debt": "0.844", "Deposits": "3.21", "Loans and Leases Receivable": "8.97", "Assets": "-4.64", "Net Income": "2.54", "Cash Deposits and Cash Equivalents": "0.607", "Assets and Securities": "-4.80", "Other Assets": "-8.43", "Goodwill": "-1.18", "Expenses": "-4.67", "Revenues": "2.09", "IT and Equipment Expense": "-0.641", "Labor Expense": "-3.72", "Other Revenues": "2.09", "Other Net Income": "4.90", "Economic Capital Ratio": "1.19", "Other Compr. Net Income": "-2.38"}, "2018": {"Other Liabilities": "12.5", "Liabilities": "2.56", "Stockholders Equity": "0.843", "Economic Capital Ratio": "-0.314", "Long-term Debt": "0.695", "Liabilities and Borrowings": "-38.7", "Deposits": "-1.36", "Assets": "-1.47", "Assets and Securities": "-0.902", "Other Assets": "-11.5", "Loans and Leases Receivable": "11.5", "Goodwill": "-1.23", "Cash Deposits and Cash Equivalents": "-2.33", "Labor Expense": "-2.21", "Expenses": "-2.75", "Net Income": "-0.775", "Other Expenses": "-0.837", "Other Revenues": "-0.829", "Revenues": "-0.829", "Comprehensive Net Income": "-1.43", "Other Compr. Net Income": "-0.648", "Other Net Income": "2.72"}, "2019": {"Long-term Debt": "0.603", "Liabilities": "2.38", "Stockholders Equity": "0.775", "ECR before LimitedLiability": "-1.03", "Deposits": "-2.53", "Other Liabilities": "14.2", "Liabilities and Borrowings": "-39.2", "Loans and Leases Receivable": "8.28", "Assets": "-1.31", "Other Assets": "-8.85", "Goodwill": "-1.24", "Cash Deposits and Cash Equivalents": "1.83", "Assets and Securities": "-1.05", "Expenses": "-2.56", "Revenues": "-0.887", "Comprehensive Net Income": "-2.06", "Labor Expense": "-2.08", "Other Revenues": "-0.887", "Other Compr. Net Income": "-1.86", "Other Net Income": "3.19", "Economic Capital Ratio": "-1.06"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "4,492", "Cash Deposits and Cash Equivalents": "43,702", "Deposits": "1,709,877", "Fees": "0", "Goodwill": "2,500", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,469,526", "Loans and Leases Receivable": "1,801,247", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "286,018", "Other Compr. Net Income": "-2,364", "Other Expenses": "10,912", "Other Liabilities": "-1,284,971", "Other Net Income": "36,843", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "29,836"}, "output_variables": {"Liabilities": "1,894,432", "Assets": "2,167,795", "Expenses": "10,912", "Revenues": "0", "Stockholders Equity": "273,363", "Net Income": "25,931", "Comprehensive Net Income": "23,567", "BaseVar": "2,122,079", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2014": {"input_variables": {"Assets and Securities": "3,802", "Cash Deposits and Cash Equivalents": "29,174", "Deposits": "1,835,069", "Fees": "0", "Goodwill": "2,500", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,567,100", "Loans and Leases Receivable": "1,961,369", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "308,402", "Other Compr. Net Income": "-2,090", "Other Expenses": "11,123", "Other Liabilities": "-1,357,950", "Other Net Income": "38,095", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "29,071"}, "output_variables": {"Liabilities": "2,044,219", "Assets": "2,334,318", "Expenses": "11,123", "Revenues": "0", "Stockholders Equity": "290,099", "Net Income": "26,971", "Comprehensive Net Income": "24,881", "BaseVar": "2,282,393", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2015": {"input_variables": {"Assets and Securities": "4,241", "Cash Deposits and Cash Equivalents": "35,427", "Deposits": "1,890,702", "Fees": "0", "Goodwill": "2,500", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,599,005", "Loans and Leases Receivable": "2,099,174", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "318,743", "Other Compr. Net Income": "-926", "Other Expenses": "12,437", "Other Liabilities": "-1,305,837", "Other Net Income": "40,876", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "33,522"}, "output_variables": {"Liabilities": "2,183,870", "Assets": "2,493,607", "Expenses": "12,437", "Revenues": "0", "Stockholders Equity": "309,737", "Net Income": "28,438", "Comprehensive Net Income": "27,512", "BaseVar": "2,437,183", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2016": {"input_variables": {"Assets and Securities": "3,481", "Cash Deposits and Cash Equivalents": "38,197", "Deposits": "2,036,312", "Fees": "0", "Goodwill": "2,500", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,707,741", "Loans and Leases Receivable": "2,251,445", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "322,288", "Other Compr. Net Income": "-1,886", "Other Expenses": "14,390", "Other Liabilities": "-1,418,334", "Other Net Income": "45,979", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "37,859"}, "output_variables": {"Liabilities": "2,325,719", "Assets": "2,655,770", "Expenses": "14,390", "Revenues": "0", "Stockholders Equity": "330,051", "Net Income": "31,589", "Comprehensive Net Income": "29,704", "BaseVar": "2,603,736", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2017": {"input_variables": {"Assets and Securities": "2,509", "Cash Deposits and Cash Equivalents": "154,353", "Deposits": "2,288,565", "Fees": "845", "Goodwill": "2,500", "IT and Equipment Expense": "5,580", "Labor Expense": "33,197", "Liabilities and Borrowings": "1,948,229", "Loans and Leases Receivable": "2,431,165", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "334,976", "Other Compr. Net Income": "-80,151", "Other Expenses": "17,341", "Other Liabilities": "-1,628,458", "Other Net Income": "93,225", "Other Noninterest Expense": "2,673", "Other Revenues": "20,818", "Property, Plant and Equipment": "37,857"}, "output_variables": {"Liabilities": "2,608,336", "Assets": "2,963,360", "Expenses": "59,636", "Revenues": "20,818", "Stockholders Equity": "355,024", "Net Income": "54,407", "Comprehensive Net Income": "-25,744", "BaseVar": "3,246,550", "ECR before LimitedLiability": "6.5%", "Economic Capital Ratio": "7.1%"}}, "2018": {"input_variables": {"Assets and Securities": "322,521", "Cash Deposits and Cash Equivalents": "43,305", "Deposits": "2,421,124", "Fees": "856", "Goodwill": "2,500", "IT and Equipment Expense": "5,746", "Labor Expense": "35,082", "Liabilities and Borrowings": "2,069,748", "Loans and Leases Receivable": "2,591,085", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "46,002", "Other Compr. Net Income": "-12,263", "Other Expenses": "18,860", "Other Liabilities": "-1,832,160", "Other Net Income": "88,369", "Other Noninterest Expense": "2,018", "Other Revenues": "20,431", "Property, Plant and Equipment": "37,051"}, "output_variables": {"Liabilities": "2,658,712", "Assets": "3,042,464", "Expenses": "62,562", "Revenues": "20,431", "Stockholders Equity": "383,752", "Net Income": "46,238", "Comprehensive Net Income": "33,975", "BaseVar": "3,183,867", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2019": {"input_variables": {"Assets and Securities": "364,794", "Cash Deposits and Cash Equivalents": "241,965", "Deposits": "2,661,364", "Fees": "192", "Goodwill": "2,500", "IT and Equipment Expense": "6,832", "Labor Expense": "36,812", "Liabilities and Borrowings": "2,298,764", "Loans and Leases Receivable": "2,606,277", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "48,205", "Other Compr. Net Income": "-8,205", "Other Expenses": "19,164", "Other Liabilities": "-2,086,278", "Other Net Income": "107,263", "Other Noninterest Expense": "3,400", "Other Revenues": "0", "Property, Plant and Equipment": "37,146"}, "output_variables": {"Liabilities": "2,873,850", "Assets": "3,300,887", "Expenses": "66,400", "Revenues": "0", "Stockholders Equity": "427,037", "Net Income": "40,863", "Comprehensive Net Income": "32,658", "BaseVar": "3,417,460", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}}, "top_rated": false, "trend": -8.0, "value": 0.14196936192801546, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000732417.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000732417.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000732417.svg"}, {"company_id": "0000750558", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000750558.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 76, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 14% points.The greatest weakness of QNB CORP 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 14%, being 1.1% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000750558_2020_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"}, "2013": {"Long-term Debt": "0.403", "Liabilities": "-2.29", "Stockholders Equity": "-1.63", "ECR before LimitedLiability": "-0.289", "Liabilities and Borrowings": "9.77", "Other Liabilities": "-11.6", "Deposits": "-13.4", "Goodwill": "-0.785", "Assets": "0.430", "Loans and Leases Receivable": "-32.6", "Cash Deposits and Cash Equivalents": "-2.00", "Assets and Securities": "-3.59", "Other Assets": "10.0", "Property, Plant and Equipment": "-0.381", "Expenses": "0.798", "Other Net Income": "-0.617", "Comprehensive Net Income": "1.43", "Other Expenses": "0.409", "Labor Expense": "0.254", "Other Compr. Net Income": "1.38", "Economic Capital Ratio": "-0.437"}, "2014": {"Deposits": "-12.1", "Liabilities": "-1.91", "Cash Deposits and Cash Equivalents": "-1.64", "Stockholders Equity": "-1.50", "ECR before LimitedLiability": "-2.26", "Other Liabilities": "-12.4", "Liabilities and Borrowings": "10.2", "Long-term Debt": "1.18", "Expenses": "0.896", "Revenues": "-0.281", "Comprehensive Net Income": "-0.552", "Other Expenses": "0.400", "Labor Expense": "0.309", "Other Revenues": "-0.281", "Other Assets": "10.7", "Property, Plant and Equipment": "-0.381", "Assets and Securities": "-3.45", "Goodwill": "-0.839", "Loans and Leases Receivable": "-34.2", "Other Net Income": "-0.577", "Other Compr. Net Income": "-0.608", "Economic Capital Ratio": "-2.29"}, "2015": {"Deposits": "-12.9", "Liabilities": "-1.75", "Stockholders Equity": "-1.18", "ECR before LimitedLiability": "-1.46", "Long-term Debt": "1.08", "Other Liabilities": "-14.0", "Liabilities and Borrowings": "10.1", "Loans and Leases Receivable": "-34.8", "Assets": "0.391", "Assets and Securities": "-3.58", "Property, Plant and Equipment": "-0.402", "Cash Deposits and Cash Equivalents": "-1.67", "Goodwill": "-0.818", "Other Assets": "10.3", "Expenses": "0.933", "Revenues": "-0.308", "Net Income": "-0.370", "Other Expenses": "0.467", "Other Revenues": "-0.308", "Other Net Income": "-1.03", "Economic Capital Ratio": "-1.50"}, "2016": {"Liabilities and Borrowings": "9.29", "Liabilities": "-1.68", "Assets and Securities": "-4.39", "Stockholders Equity": "-1.33", "ECR before LimitedLiability": "-2.47", "Deposits": "-10.1", "Other Liabilities": "-21.2", "Long-term Debt": "0.748", "Other Expenses": "0.491", "Expenses": "1.11", "Comprehensive Net Income": "-0.926", "Other Revenues": "-0.467", "Revenues": "-0.467", "Property, Plant and Equipment": "-0.448", "Other Assets": "7.87", "Goodwill": "-0.959", "Loans and Leases Receivable": "-2.77", "Cash Deposits and Cash Equivalents": "-2.29", "Other Net Income": "-1.14", "Other Compr. Net Income": "-0.495", "Economic Capital Ratio": "-2.51"}, "2017": {"Other Liabilities": "-22.3", "Liabilities": "-2.04", "Loans and Leases Receivable": "-1.11", "Stockholders Equity": "-1.86", "ECR before LimitedLiability": "-2.72", "Liabilities and Borrowings": "9.62", "Long-term Debt": "0.693", "Deposits": "-9.07", "Expenses": "0.810", "Net Income": "-0.571", "Labor Expense": "0.498", "Other Revenues": "-0.512", "Revenues": "-0.512", "Cash Deposits and Cash Equivalents": "-1.92", "Assets and Securities": "-4.30", "Other Assets": "7.42", "Property, Plant and Equipment": "-0.517", "Goodwill": "-1.11", "Comprehensive Net Income": "-0.638", "Other Net Income": "-0.901", "Economic Capital Ratio": "-2.77"}, "2018": {"Other Liabilities": "-23.9", "Liabilities": "-4.41", "Stockholders Equity": "-1.65", "ECR before LimitedLiability": "-2.65", "Long-term Debt": "0.602", "Liabilities and Borrowings": "10.1", "Deposits": "-11.0", "Assets": "2.03", "Assets and Securities": "9.16", "Other Assets": "-10.2", "Loans and Leases Receivable": "3.17", "Goodwill": "-1.18", "Cash Deposits and Cash Equivalents": "-2.30", "Labor Expense": "1.86", "Expenses": "3.58", "Revenues": "-0.741", "Comprehensive Net Income": "-0.460", "Other Expenses": "0.861", "Other Revenues": "-0.741", "Other Net Income": "-3.58", "Economic Capital Ratio": "-2.74"}, "2019": {"Liabilities": "-3.95", "Assets": "2.04", "Stockholders Equity": "-1.30", "ECR before LimitedLiability": "-1.09", "Deposits": "-9.67", "Other Liabilities": "-27.4", "Liabilities and Borrowings": "14.0", "Loans and Leases Receivable": "1.45", "Comprehensive Net Income": "0.878", "Other Assets": "-7.82", "Goodwill": "-1.22", "Cash Deposits and Cash Equivalents": "-2.34", "Assets and Securities": "11.5", "Expenses": "4.05", "Revenues": "-0.834", "Other Expenses": "0.818", "Labor Expense": "2.08", "Other Revenues": "-0.834", "Other Compr. Net Income": "1.42", "Other Net Income": "-3.84", "Economic Capital Ratio": "-1.12"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "10,365", "Cash Deposits and Cash Equivalents": "16,286", "Deposits": "814,532", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "37,334", "Loans and Leases Receivable": "0", "Long-term Debt": "5,000", "Occupancy": "0", "Other Assets": "896,357", "Other Compr. Net Income": "0", "Other Expenses": "2,346", "Other Liabilities": "392", "Other Net Income": "10,738", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "9,875"}, "output_variables": {"Liabilities": "857,258", "Assets": "932,883", "Expenses": "2,346", "Revenues": "0", "Stockholders Equity": "75,625", "Net Income": "8,392", "Comprehensive Net Income": "8,392", "BaseVar": "918,818", "ECR before LimitedLiability": "9.9%", "Economic Capital Ratio": "10%"}}, "2014": {"input_variables": {"Assets and Securities": "12,289", "Cash Deposits and Cash Equivalents": "18,245", "Deposits": "851,592", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "38,845", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "936,899", "Other Compr. Net Income": "0", "Other Expenses": "2,655", "Other Liabilities": "344", "Other Net Income": "11,667", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "9,702"}, "output_variables": {"Liabilities": "890,781", "Assets": "977,135", "Expenses": "2,655", "Revenues": "0", "Stockholders Equity": "86,354", "Net Income": "9,012", "Comprehensive Net Income": "9,012", "BaseVar": "959,951", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2015": {"input_variables": {"Assets and Securities": "6,202", "Cash Deposits and Cash Equivalents": "16,991", "Deposits": "889,786", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "40,377", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "988,486", "Other Compr. Net Income": "0", "Other Expenses": "2,568", "Other Liabilities": "330", "Other Net Income": "10,785", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "9,257"}, "output_variables": {"Liabilities": "930,493", "Assets": "1,020,936", "Expenses": "2,568", "Revenues": "0", "Stockholders Equity": "90,443", "Net Income": "8,218", "Comprehensive Net Income": "8,218", "BaseVar": "999,950", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2016": {"input_variables": {"Assets and Securities": "5,873", "Cash Deposits and Cash Equivalents": "10,721", "Deposits": "913,355", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,224", "Loans and Leases Receivable": "625,685", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "412,179", "Other Compr. Net Income": "-2,107", "Other Expenses": "3,066", "Other Liabilities": "52,995", "Other Net Income": "11,994", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "8,683"}, "output_variables": {"Liabilities": "969,574", "Assets": "1,063,141", "Expenses": "3,066", "Revenues": "0", "Stockholders Equity": "93,567", "Net Income": "8,927", "Comprehensive Net Income": "6,820", "BaseVar": "1,047,516", "ECR before LimitedLiability": "9.5%", "Economic Capital Ratio": "9.7%"}}, "2017": {"input_variables": {"Assets and Securities": "3,265", "Cash Deposits and Cash Equivalents": "16,331", "Deposits": "993,948", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,679", "Loans and Leases Receivable": "725,442", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "398,804", "Other Compr. Net Income": "-2,467", "Other Expenses": "6,772", "Other Liabilities": "56,140", "Other Net Income": "14,263", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "8,495"}, "output_variables": {"Liabilities": "1,053,767", "Assets": "1,152,337", "Expenses": "6,772", "Revenues": "0", "Stockholders Equity": "98,570", "Net Income": "7,492", "Comprehensive Net Income": "5,024", "BaseVar": "1,145,708", "ECR before LimitedLiability": "8.5%", "Economic Capital Ratio": "8.8%"}}, "2018": {"input_variables": {"Assets and Securities": "347,476", "Cash Deposits and Cash Equivalents": "13,458", "Deposits": "1,015,598", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,185", "Loans and Leases Receivable": "776,614", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "27,986", "Other Compr. Net Income": "-1,123", "Other Expenses": "3,810", "Other Liabilities": "51,321", "Other Net Income": "12,878", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "9,918"}, "output_variables": {"Liabilities": "1,071,104", "Assets": "1,175,452", "Expenses": "3,810", "Revenues": "0", "Stockholders Equity": "104,348", "Net Income": "9,068", "Comprehensive Net Income": "7,946", "BaseVar": "1,155,605", "ECR before LimitedLiability": "9.7%", "Economic Capital Ratio": "9.8%"}}, "2019": {"input_variables": {"Assets and Securities": "354,105", "Cash Deposits and Cash Equivalents": "17,608", "Deposits": "1,037,860", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "9,606", "Loans and Leases Receivable": "810,729", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "26,973", "Other Compr. 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We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Baycom Corp compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Baycom Corp is the variable Other Liabilities, reducing the Economic Capital Ratio by 233% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 14%, being 1.1% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001730984_2020_Baycom_Corp.pdf", "shrinked_graph_json": {"2018": {"Other Liabilities": "-223", "Liabilities": "-1.72", "Stockholders Equity": "2.27", "ECR before LimitedLiability": "2.20", "Long-term Debt": "0.672", "Liabilities and Borrowings": "14.8", "Deposits": "15.0", "Property, Plant and Equipment": "-0.425", "Assets": "3.51", "Assets and Securities": "-7.78", "Other Assets": "15.0", "Loans and Leases Receivable": "-33.9", "Goodwill": "-0.475", "Cash Deposits and Cash Equivalents": "12.5", "Labor Expense": "2.08", "Expenses": "3.23", "Other Noninterest Expense": "0.492", "Other Revenues": "-0.785", "Revenues": "-0.785", "Economic Capital Ratio": "2.11", "Other Net Income": "-2.50"}, "2019": {"Long-term Debt": "0.561", "Liabilities": "-3.22", "Assets": "3.82", "Stockholders Equity": "1.28", "ECR before LimitedLiability": "-1.11", "Deposits": "14.1", "Other Liabilities": "-233", "Liabilities and Borrowings": "14.0", "Loans and Leases Receivable": "7.32", "Other Assets": "-6.49", "Cash Deposits and Cash Equivalents": "7.37", "Assets and Securities": "-4.07", "Expenses": "3.67", "Net Income": "-0.987", "Labor Expense": "2.06", "Other Revenues": "-0.827", "Revenues": "-0.827", "Comprehensive Net Income": "-1.59", "Other Compr. Net Income": "-0.604", "Other Net Income": "-3.90", "Economic Capital Ratio": "-1.14"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001730984_strength_weakness.svg", "table_records": {"2018": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "327,561", "Deposits": "0", "Fees": "0", "Goodwill": "14,594", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "855", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,124,217", "Other Compr. 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Net Income": "1,354", "Other Expenses": "6,373", "Other Liabilities": "1,739,957", "Other Net Income": "23,691", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "10,529"}, "output_variables": {"Liabilities": "1,739,957", "Assets": "1,994,177", "Expenses": "6,373", "Revenues": "0", "Stockholders Equity": "254,220", "Net Income": "17,318", "Comprehensive Net Income": "18,672", "BaseVar": "1,924,091", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}}, "top_rated": false, "trend": -47.0, "value": 0.14119048922182317, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001730984.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001730984.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001730984.svg"}, {"company_id": "0000803164", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000803164.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 78, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 14% points.The greatest weakness of Choiceone Financial Services INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 34% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 14%, being 1.1% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000803164_2020_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"}, "2013": {"Long-term Debt": "0.888", "Liabilities": "0.461", "Stockholders Equity": "1.43", "ECR before LimitedLiability": "1.69", "Liabilities and Borrowings": "-36.5", "Other Liabilities": "12.0", "Deposits": "-8.38", "Goodwill": "1.16", "Assets": "0.934", "Loans and Leases Receivable": "3.23", "Cash Deposits and Cash Equivalents": "-0.400", "Assets and Securities": "-3.85", "Other Assets": "0.238", "Property, Plant and Equipment": "0.550", "Expenses": "0.496", "Revenues": "-0.158", "Net Income": "0.421", "Labor Expense": "0.271", "Other Revenues": "-0.158", "Comprehensive Net Income": "0.318", "Economic Capital Ratio": "1.54"}, "2014": {"Cash Deposits and Cash Equivalents": "-0.796", "Assets": "0.778", "Deposits": "-5.19", "Stockholders Equity": "1.11", "ECR before LimitedLiability": "1.58", "Other Assets": "1.95", "Property, Plant and Equipment": "0.470", "Assets and Securities": "-3.73", "Goodwill": "0.997", "Loans and Leases Receivable": "2.03", "Expenses": "0.537", "Revenues": "-0.295", "Net Income": "0.527", "Labor Expense": "0.327", "Other Revenues": "-0.295", "Long-term Debt": "1.30", "Liabilities and Borrowings": "-35.3", "Other Liabilities": "14.5", "Comprehensive Net Income": "0.539", "Other Net Income": "0.286", "Economic Capital Ratio": "1.54"}, "2015": {"Deposits": "-10.7", "Liabilities": "0.418", "Stockholders Equity": "1.64", "ECR before LimitedLiability": "2.36", "Long-term Debt": "1.19", "Other Liabilities": "14.1", "Liabilities and Borrowings": "-35.9", "Assets": "1.15", "Assets and Securities": "-3.40", "Property, Plant and Equipment": "0.469", "Cash Deposits and Cash Equivalents": "-1.46", "Goodwill": "0.959", "Other Assets": "4.52", "Expenses": "0.651", "Net Income": "0.430", "Labor Expense": "0.283", "Other Revenues": "-0.327", "Revenues": "-0.327", "Other Compr. Net Income": "0.379", "Comprehensive Net Income": "0.808", "Economic Capital Ratio": "2.31"}, "2016": {"Assets and Securities": "-4.02", "Assets": "0.950", "Long-term Debt": "0.850", "Stockholders Equity": "1.07", "Comprehensive Net Income": "-0.332", "ECR before LimitedLiability": "0.641", "Property, Plant and Equipment": "0.462", "Other Assets": "6.29", "Goodwill": "0.665", "Loans and Leases Receivable": "-1.55", "Cash Deposits and Cash Equivalents": "-1.32", "Expenses": "0.985", "Labor Expense": "0.448", "Other Revenues": "-0.507", "Revenues": "-0.507", "Other Liabilities": "12.4", "Liabilities and Borrowings": "-36.0", "Deposits": "-9.81", "Other Net Income": "-0.291", "Other Compr. Net Income": "-0.528", "Economic Capital Ratio": "0.598"}, "2017": {"Other Liabilities": "13.8", "Liabilities": "-0.533", "Assets": "1.21", "Stockholders Equity": "0.837", "ECR before LimitedLiability": "1.50", "Liabilities and Borrowings": "-32.7", "Long-term Debt": "0.782", "Deposits": "-8.08", "Loans and Leases Receivable": "-1.86", "Cash Deposits and Cash Equivalents": "1.22", "Assets and Securities": "-3.77", "Other Assets": "4.92", "Expenses": "1.41", "Revenues": "-0.549", "Comprehensive Net Income": "0.842", "Other Expenses": "0.547", "Labor Expense": "0.546", "Other Revenues": "-0.549", "Other Compr. Net Income": "0.509", "Other Net Income": "-0.531", "Economic Capital Ratio": "1.45"}, "2018": {"Other Liabilities": "13.6", "Liabilities": "-2.89", "Assets": "3.24", "Stockholders Equity": "0.934", "ECR before LimitedLiability": "0.885", "Long-term Debt": "0.660", "Liabilities and Borrowings": "-35.6", "Deposits": "-12.3", "Property, Plant and Equipment": "0.772", "Assets and Securities": "-7.07", "Other Assets": "9.60", "Cash Deposits and Cash Equivalents": "-1.01", "Labor Expense": "2.05", "Expenses": "4.02", "Revenues": "-0.779", "Comprehensive Net Income": "0.451", "Other Noninterest Expense": "0.487", "Other Expenses": "0.770", "Other Revenues": "-0.779", "Other Net Income": "-2.97", "Economic Capital Ratio": "0.798"}, "2019": {"Long-term Debt": "0.554", "Liabilities": "-3.70", "Assets": "5.18", "Stockholders Equity": "2.37", "ECR before LimitedLiability": "-1.12", "Deposits": "-11.7", "Other Liabilities": "14.1", "Liabilities and Borrowings": "-34.4", "Loans and Leases Receivable": "-2.87", "Other Assets": "12.1", "Goodwill": "1.67", "Assets and Securities": "-7.61", "Expenses": "4.43", "Revenues": "-0.816", "Net Income": "-2.28", "Other Expenses": "1.30", "Labor Expense": "2.03", "Other Revenues": "-0.816", "Comprehensive Net Income": "-2.51", "Other Net Income": "-6.01", "Economic Capital Ratio": "-1.14"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "4,327", "Cash Deposits and Cash Equivalents": "20,479", "Deposits": "418,127", "Fees": "0", "Goodwill": "13,728", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "318,349", "Loans and Leases Receivable": "311,231", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "152,815", "Other Compr. Net Income": "-2,208", "Other Expenses": "1,783", "Other Liabilities": "-283,459", "Other Net Income": "6,877", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "11,995"}, "output_variables": {"Liabilities": "453,017", "Assets": "514,575", "Expenses": "1,783", "Revenues": "0", "Stockholders Equity": "61,558", "Net Income": "5,094", "Comprehensive Net Income": "2,886", "BaseVar": "503,521", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2014": {"input_variables": {"Assets and Securities": "4,603", "Cash Deposits and Cash Equivalents": "16,650", "Deposits": "434,828", "Fees": "0", "Goodwill": "13,728", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "325,338", "Loans and Leases Receivable": "341,940", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "160,924", "Other Compr. Net Income": "-2,202", "Other Expenses": "2,266", "Other Liabilities": "-276,716", "Other Net Income": "8,160", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "11,795"}, "output_variables": {"Liabilities": "483,450", "Assets": "549,640", "Expenses": "2,266", "Revenues": "0", "Stockholders Equity": "66,190", "Net Income": "5,894", "Comprehensive Net Income": "3,692", "BaseVar": "539,466", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2015": {"input_variables": {"Assets and Securities": "4,923", "Cash Deposits and Cash Equivalents": "11,187", "Deposits": "474,696", "Fees": "0", "Goodwill": "13,728", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "354,175", "Loans and Leases Receivable": "345,110", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "180,951", "Other Compr. Net Income": "468", "Other Expenses": "1,876", "Other Liabilities": "-330,967", "Other Net Income": "7,654", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "11,847"}, "output_variables": {"Liabilities": "497,904", "Assets": "567,746", "Expenses": "1,876", "Revenues": "0", "Stockholders Equity": "69,842", "Net Income": "5,778", "Comprehensive Net Income": "6,246", "BaseVar": "550,970", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2016": {"input_variables": {"Assets and Securities": "7,040", "Cash Deposits and Cash Equivalents": "14,809", "Deposits": "512,386", "Fees": "0", "Goodwill": "13,728", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "387,848", "Loans and Leases Receivable": "364,723", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "194,483", "Other Compr. Net Income": "-1,135", "Other Expenses": "2,266", "Other Liabilities": "-364,561", "Other Net Income": "8,481", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "12,588"}, "output_variables": {"Liabilities": "535,673", "Assets": "607,371", "Expenses": "2,266", "Revenues": "0", "Stockholders Equity": "71,698", "Net Income": "6,215", "Comprehensive Net Income": "5,080", "BaseVar": "593,087", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2017": {"input_variables": {"Assets and Securities": "6,615", "Cash Deposits and Cash Equivalents": "36,837", "Deposits": "539,853", "Fees": "0", "Goodwill": "13,728", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "391,116", "Loans and Leases Receivable": "394,208", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "182,301", "Other Compr. Net Income": "-385", "Other Expenses": "2,505", "Other Liabilities": "-360,975", "Other Net Income": "8,680", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "12,855"}, "output_variables": {"Liabilities": "569,994", "Assets": "646,544", "Expenses": "2,505", "Revenues": "0", "Stockholders Equity": "76,550", "Net Income": "6,174", "Comprehensive Net Income": "5,790", "BaseVar": "629,268", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2018": {"input_variables": {"Assets and Securities": "7,355", "Cash Deposits and Cash Equivalents": "19,690", "Deposits": "577,015", "Fees": "0", "Goodwill": "13,728", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "426,492", "Loans and Leases Receivable": "404,400", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "209,492", "Other Compr. Net Income": "-60", "Other Expenses": "918", "Other Liabilities": "-413,440", "Other Net Income": "8,461", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "15,879"}, "output_variables": {"Liabilities": "590,067", "Assets": "670,544", "Expenses": "918", "Revenues": "0", "Stockholders Equity": "80,477", "Net Income": "7,543", "Comprehensive Net Income": "7,483", "BaseVar": "647,435", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2019": {"input_variables": {"Assets and Securities": "9,499", "Cash Deposits and Cash Equivalents": "59,558", "Deposits": "1,154,602", "Fees": "0", "Goodwill": "52,870", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "873,331", "Loans and Leases Receivable": "797,991", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "441,945", "Other Compr. Net Income": "642", "Other Expenses": "1,298", "Other Liabilities": "-833,944", "Other Net Income": "8,456", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "24,265"}, "output_variables": {"Liabilities": "1,193,989", "Assets": "1,386,128", "Expenses": "1,298", "Revenues": "0", "Stockholders Equity": "192,139", "Net Income": "7,158", "Comprehensive Net Income": "7,800", "BaseVar": "1,308,927", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}}, "top_rated": false, "trend": -26.0, "value": 0.14112382288062122, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000803164.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000803164.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000803164.svg"}, {"company_id": "0001075706", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001075706.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001075706.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001075706.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001075706_256x256.png", "name": "Citizens Holding CO MS", "rank": 79, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001075706.svg", "report_text": "The relative strengths and weaknesses of Citizens Holding CO MS are 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 Holding CO MS compared to the market average is the variable Assets and Securities, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Citizens Holding CO MS is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 27% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 14%, being 1.2% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001075706_2020_Citizens_Holding_CO_MS.pdf", "shrinked_graph_json": {"2018": {"Other Liabilities": "5.41", "Liabilities": "1.69", "Stockholders Equity": "-1.87", "Liabilities and Borrowings": "-24.9", "Deposits": "1.37", "Assets": "-3.61", "Assets and Securities": "5.41", "Other Assets": "-9.34", "Loans and Leases Receivable": "-14.5", "Goodwill": "-0.947", "Cash Deposits and Cash Equivalents": "-1.39", "Labor Expense": "-2.52", "Expenses": "-4.78", "Net Income": "-3.37", "Other Net Income": "1.33", "Other Noninterest Expense": "-1.66", "Other Expenses": "0.832", "ECR before LimitedLiability": "-7.35", "Comprehensive Net Income": "-5.35", "Other Compr. Net Income": "-1.48", "Economic Capital Ratio": "-7.43"}, "2019": {"Liabilities": "-4.40", "Stockholders Equity": "-1.62", "ECR before LimitedLiability": "-1.20", "Other Liabilities": "12.5", "Liabilities and Borrowings": "-27.4", "Loans and Leases Receivable": "-11.0", "Assets": "2.11", "Other Assets": "-3.84", "Goodwill": "-1.21", "Cash Deposits and Cash Equivalents": "-2.41", "Assets and Securities": "14.0", "Expenses": "4.45", "Revenues": "-0.831", "Net Income": "-2.50", "Other Expenses": "1.26", "Labor Expense": "2.07", "Other Revenues": "-0.831", "Comprehensive Net Income": "1.14", "Other Net Income": "-6.24", "Other Compr. Net Income": "3.57", "Economic Capital Ratio": "-1.22"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001075706_strength_weakness.svg", "table_records": {"2018": {"input_variables": {"Assets and Securities": "452,712", "Cash Deposits and Cash Equivalents": "20,672", "Deposits": "756,222", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "3,713", "Labor Expense": "14,530", "Liabilities and Borrowings": "587,245", "Loans and Leases Receivable": "425,905", "Long-term Debt": "0", "Occupancy": "2,017", "Other Assets": "39,623", "Other Compr. Net Income": "-6,749", "Other Expenses": "828", "Other Liabilities": "-468,703", "Other Net Income": "26,577", "Other Noninterest Expense": "7,405", "Other Revenues": "1,148", "Property, Plant and Equipment": "19,717"}, "output_variables": {"Liabilities": "874,764", "Assets": "958,630", "Expenses": "28,493", "Revenues": "1,148", "Stockholders Equity": "83,866", "Net Income": "-768", "Comprehensive Net Income": "-7,517", "BaseVar": "1,030,981", "ECR before LimitedLiability": "4.1%", "Economic Capital Ratio": "5.4%"}}, "2019": {"input_variables": {"Assets and Securities": "484,851", "Cash Deposits and Cash Equivalents": "15,937", "Deposits": "898,996", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "711,237", "Loans and Leases Receivable": "573,312", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "96,662", "Other Compr. Net Income": "14,186", "Other Expenses": "1,354", "Other Liabilities": "-527,599", "Other Net Income": "7,256", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "24,672"}, "output_variables": {"Liabilities": "1,082,634", "Assets": "1,195,434", "Expenses": "1,354", "Revenues": "0", "Stockholders Equity": "112,800", "Net Income": "5,902", "Comprehensive Net Income": "20,088", "BaseVar": "1,180,409", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}}, "top_rated": false, "trend": 47.0, "value": 0.14032095846580436, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001075706.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001075706.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001075706.svg"}, {"company_id": "0001390777", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001390777.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001390777.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001390777.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001390777_256x256.png", "name": "Bank of New York Mellon Corp", "rank": 80, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001390777.svg", "report_text": "The relative strengths and weaknesses of Bank of New York Mellon 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 New York Mellon Corp compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Bank of New York Mellon Corp is the variable Other Liabilities, reducing the Economic Capital Ratio by 204% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 14%, being 1.2% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001390777_2020_Bank_of_New_York_Mellon_Corp.pdf", "shrinked_graph_json": {"2015": {"Deposits": "10.2", "Liabilities": "-0.869", "Stockholders Equity": "-0.378", "ECR before LimitedLiability": "-1.51", "Long-term Debt": "-3.54", "Other Liabilities": "-181", "Liabilities and Borrowings": "10.2", "Loans and Leases Receivable": "-34.9", "Assets": "0.395", "Assets and Securities": "-0.447", "Property, Plant and Equipment": "-1.06", "Cash Deposits and Cash Equivalents": "-2.88", "Goodwill": "2.28", "Other Assets": "10.2", "Expenses": "0.917", "Net Income": "-0.328", "Other Expenses": "0.449", "Other Compr. Net Income": "-0.674", "Comprehensive Net Income": "-1.01", "Other Net Income": "-0.966", "Economic Capital Ratio": "-1.55"}, "2016": {"Assets and Securities": "-0.307", "Assets": "0.828", "Long-term Debt": "-5.80", "Stockholders Equity": "1.10", "ECR before LimitedLiability": "0.729", "Property, Plant and Equipment": "-1.07", "Other Assets": "12.5", "Goodwill": "2.82", "Loans and Leases Receivable": "-35.2", "Cash Deposits and Cash Equivalents": "-3.10", "Expenses": "1.00", "Revenues": "-0.508", "Net Income": "0.421", "Labor Expense": "0.449", "Other Revenues": "-0.508", "Other Liabilities": "-180", "Liabilities and Borrowings": "12.4", "Deposits": "12.5", "Comprehensive Net Income": "-0.307", "Other Compr. Net Income": "-0.730", "Economic Capital Ratio": "0.685"}, "2017": {"Other Liabilities": "-187", "Liabilities": "-0.942", "ECR before LimitedLiability": "2.50", "Liabilities and Borrowings": "14.6", "Long-term Debt": "-6.15", "Deposits": "14.9", "Loans and Leases Receivable": "-35.1", "Assets": "1.07", "Comprehensive Net Income": "2.37", "Cash Deposits and Cash Equivalents": "-2.93", "Other Assets": "14.9", "Property, Plant and Equipment": "-1.06", "Goodwill": "2.36", "Expenses": "2.31", "Net Income": "0.912", "Other Expenses": "1.45", "Other Revenues": "-0.550", "Revenues": "-0.550", "Other Compr. Net Income": "1.46", "Other Net Income": "-0.860", "Economic Capital Ratio": "2.45"}, "2018": {"Other Liabilities": "-184", "Liabilities": "-2.71", "Economic Capital Ratio": "0.0186", "Long-term Debt": "-6.68", "Liabilities and Borrowings": "12.7", "Deposits": "12.9", "Property, Plant and Equipment": "-0.992", "Assets": "2.46", "Assets and Securities": "-3.86", "Other Assets": "12.9", "Loans and Leases Receivable": "-34.5", "Goodwill": "2.32", "Cash Deposits and Cash Equivalents": "-3.17", "Labor Expense": "2.05", "Expenses": "3.68", "Net Income": "0.642", "Other Noninterest Expense": "0.488", "Other Expenses": "0.451", "Other Revenues": "-0.781", "Revenues": "-0.781", "Other Net Income": "-2.40", "Other Compr. Net Income": "-0.360"}, "2019": {"Long-term Debt": "-6.04", "Liabilities": "-3.64", "ECR before LimitedLiability": "-1.22", "Deposits": "14.0", "Other Liabilities": "-204", "Liabilities and Borrowings": "13.9", "Loans and Leases Receivable": "-35.3", "Assets": "2.67", "Expenses": "3.80", "Revenues": "-0.831", "Other Assets": "14.0", "Goodwill": "2.16", "Property, Plant and Equipment": "-0.939", "Cash Deposits and Cash Equivalents": "-3.35", "Assets and Securities": "-4.65", "Other Noninterest Expense": "0.438", "Other Expenses": "0.576", "Labor Expense": "2.07", "Other Revenues": "-0.831", "Economic Capital Ratio": "-1.25", "Other Net Income": "-2.93"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001390777_strength_weakness.svg", "table_records": {"2015": {"input_variables": {"Assets and Securities": "19,626,000", "Cash Deposits and Cash Equivalents": "0", "Deposits": "0", "Fees": "0", "Goodwill": "17,618,000", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "0", "Long-term Debt": "21,547,000", "Occupancy": "0", "Other Assets": "356,536,000", "Other Compr. Net Income": "-1,030,000", "Other Expenses": "1,013,000", "Other Liabilities": "333,258,000", "Other Net Income": "4,235,000", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "0"}, "output_variables": {"Liabilities": "354,805,000", "Assets": "393,780,000", "Expenses": "1,013,000", "Revenues": "0", "Stockholders Equity": "38,975,000", "Net Income": "3,222,000", "Comprehensive Net Income": "2,192,000", "BaseVar": "385,687,070", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2016": {"input_variables": {"Assets and Securities": "20,954,000", "Cash Deposits and Cash Equivalents": "0", "Deposits": "0", "Fees": "0", "Goodwill": "17,316,000", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "0", "Long-term Debt": "24,463,000", "Occupancy": "0", "Other Assets": "295,199,000", "Other Compr. Net Income": "-1,166,000", "Other Expenses": "1,177,000", "Other Liabilities": "269,426,000", "Other Net Income": "4,725,000", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "0"}, "output_variables": {"Liabilities": "293,889,000", "Assets": "333,469,000", "Expenses": "1,177,000", "Revenues": "0", "Stockholders Equity": "39,580,000", "Net Income": "3,548,000", "Comprehensive Net Income": "2,382,000", "BaseVar": "326,507,420", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2017": {"input_variables": {"Assets and Securities": "23,029,000", "Cash Deposits and Cash Equivalents": "0", "Deposits": "0", "Fees": "0", "Goodwill": "17,564,000", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "0", "Long-term Debt": "27,979,000", "Occupancy": "0", "Other Assets": "331,165,000", "Other Compr. Net Income": "1,384,000", "Other Expenses": "496,000", "Other Liabilities": "302,033,000", "Other Net Income": "4,610,000", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "0"}, "output_variables": {"Liabilities": "330,012,000", "Assets": "371,758,000", "Expenses": "496,000", "Revenues": "0", "Stockholders Equity": "41,746,000", "Net Income": "4,114,000", "Comprehensive Net Income": "5,498,000", "BaseVar": "362,664,350", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2018": {"input_variables": {"Assets and Securities": "21,298,000", "Cash Deposits and Cash Equivalents": "0", "Deposits": "0", "Fees": "0", "Goodwill": "17,350,000", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "6,114,000", "Loans and Leases Receivable": "0", "Long-term Debt": "29,163,000", "Occupancy": "0", "Other Assets": "324,225,000", "Other Compr. Net Income": "386,792", "Other Expenses": "876,195", "Other Liabilities": "286,728,000", "Other Net Income": "5,261,966", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "0"}, "output_variables": {"Liabilities": "322,005,000", "Assets": "362,873,000", "Expenses": "876,195", "Revenues": "0", "Stockholders Equity": "40,868,000", "Net Income": "4,385,772", "Comprehensive Net Income": "4,772,563", "BaseVar": "354,281,789", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2019": {"input_variables": {"Assets and Securities": "20,221,000", "Cash Deposits and Cash Equivalents": "0", "Deposits": "0", "Fees": "0", "Goodwill": "17,386,000", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "0", "Long-term Debt": "27,501,000", "Occupancy": "0", "Other Assets": "343,901,000", "Other Compr. Net Income": "-93,770", "Other Expenses": "1,103,905", "Other Liabilities": "312,279,000", "Other Net Income": "5,639,725", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "0"}, "output_variables": {"Liabilities": "339,780,000", "Assets": "381,508,000", "Expenses": "1,103,905", "Revenues": "0", "Stockholders Equity": "41,728,000", "Net Income": "4,535,820", "Comprehensive Net Income": "4,442,051", "BaseVar": "373,053,879", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": -17.0, "value": 0.14011209336446465, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001390777.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001390777.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001390777.svg"}, {"company_id": "0000737468", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000737468.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 81, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 Other Liabilities, increasing the Economic Capital Ratio by 7.4% points.The greatest weakness of Washington Trust Bancorp INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 24% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 14%, being 1.4% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000737468_2020_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"}, "2013": {"Long-term Debt": "0.921", "Liabilities": "0.178", "ECR before LimitedLiability": "3.51", "Liabilities and Borrowings": "13.4", "Other Liabilities": "-22.7", "Deposits": "-4.83", "Other Revenues": "-0.161", "Revenues": "-0.161", "Net Income": "0.921", "Comprehensive Net Income": "3.48", "Other Net Income": "1.21", "Other Expenses": "-0.562", "Labor Expense": "0.277", "Other Compr. Net Income": "2.59", "Property, Plant and Equipment": "-0.598", "Economic Capital Ratio": "3.36", "Loans and Leases Receivable": "11.9", "Other Assets": "-17.1", "Goodwill": "0.519", "Cash Deposits and Cash Equivalents": "-1.47", "Assets and Securities": "6.30"}, "2014": {"Cash Deposits and Cash Equivalents": "-1.50", "Assets": "-0.711", "Deposits": "-1.55", "Stockholders Equity": "-0.985", "ECR before LimitedLiability": "-1.52", "Other Assets": "-15.3", "Property, Plant and Equipment": "-0.566", "Assets and Securities": "4.25", "Goodwill": "0.319", "Loans and Leases Receivable": "9.95", "Other Revenues": "-0.291", "Revenues": "-0.291", "Other Net Income": "1.10", "Net Income": "0.811", "Long-term Debt": "1.24", "Liabilities and Borrowings": "11.1", "Other Liabilities": "-25.6", "Comprehensive Net Income": "-0.559", "Other Expenses": "-0.533", "Labor Expense": "0.320", "Other Compr. Net Income": "-1.39", "Economic Capital Ratio": "-1.56"}, "2015": {"Loans and Leases Receivable": "10.4", "Assets": "-0.502", "Deposits": "-3.32", "Stockholders Equity": "-0.453", "ECR before LimitedLiability": "0.653", "Assets and Securities": "4.61", "Property, Plant and Equipment": "-0.517", "Cash Deposits and Cash Equivalents": "-1.15", "Goodwill": "0.397", "Other Assets": "-15.1", "Other Revenues": "-0.327", "Revenues": "-0.327", "Net Income": "0.869", "Other Expenses": "-0.625", "Other Liabilities": "-26.3", "Liabilities and Borrowings": "12.2", "Long-term Debt": "1.18", "Comprehensive Net Income": "1.07", "Labor Expense": "0.282", "Other Net Income": "1.30", "Economic Capital Ratio": "0.612"}, "2016": {"Liabilities and Borrowings": "10.4", "Liabilities": "-0.863", "Stockholders Equity": "-1.37", "ECR before LimitedLiability": "-1.33", "Deposits": "3.84", "Other Liabilities": "-39.7", "Long-term Debt": "0.805", "Assets and Securities": "7.40", "Assets": "-0.521", "Property, Plant and Equipment": "-0.585", "Other Assets": "-13.4", "Loans and Leases Receivable": "6.02", "Cash Deposits and Cash Equivalents": "-1.36", "Other Expenses": "-0.268", "Expenses": "0.424", "Revenues": "-0.493", "Net Income": "0.323", "Labor Expense": "0.431", "Other Revenues": "-0.493", "Other Net Income": "0.384", "Economic Capital Ratio": "-1.38"}, "2017": {"Other Liabilities": "-38.9", "Liabilities": "-0.936", "Stockholders Equity": "-1.55", "ECR before LimitedLiability": "-1.05", "Liabilities and Borrowings": "11.2", "Long-term Debt": "0.753", "Deposits": "3.88", "Loans and Leases Receivable": "5.68", "Assets": "-0.624", "Cash Deposits and Cash Equivalents": "-1.74", "Assets and Securities": "7.97", "Other Assets": "-12.8", "Property, Plant and Equipment": "-0.627", "Other Revenues": "-0.543", "Revenues": "-0.543", "Net Income": "0.458", "Comprehensive Net Income": "0.532", "Other Net Income": "0.788", "Labor Expense": "0.535", "Other Expenses": "-0.650", "Economic Capital Ratio": "-1.10"}, "2018": {"Other Liabilities": "10.2", "Liabilities": "-3.42", "Stockholders Equity": "-1.76", "ECR before LimitedLiability": "-0.699", "Long-term Debt": "0.651", "Liabilities and Borrowings": "-28.6", "Deposits": "3.87", "Property, Plant and Equipment": "-0.576", "Assets": "1.22", "Assets and Securities": "5.98", "Other Assets": "-9.86", "Loans and Leases Receivable": "7.02", "Cash Deposits and Cash Equivalents": "-1.91", "Labor Expense": "2.03", "Expenses": "3.28", "Revenues": "-0.780", "Net Income": "1.28", "Other Revenues": "-0.780", "Comprehensive Net Income": "1.39", "Other Net Income": "-1.36", "Economic Capital Ratio": "-0.786"}, "2019": {"Long-term Debt": "0.568", "Liabilities": "-3.72", "Stockholders Equity": "-1.63", "ECR before LimitedLiability": "-1.33", "Deposits": "6.79", "Other Liabilities": "7.44", "Liabilities and Borrowings": "-23.5", "Loans and Leases Receivable": "6.07", "Assets": "1.56", "Other Assets": "-6.90", "Property, Plant and Equipment": "-0.553", "Cash Deposits and Cash Equivalents": "-1.60", "Assets and Securities": "5.14", "Expenses": "3.60", "Revenues": "-0.838", "Net Income": "0.558", "Labor Expense": "2.08", "Other Revenues": "-0.838", "Comprehensive Net Income": "0.903", "Other Net Income": "-2.27", "Economic Capital Ratio": "-1.35"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "476,882", "Cash Deposits and Cash Equivalents": "81,939", "Deposits": "2,505,321", "Fees": "0", "Goodwill": "58,114", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "43,137", "Loans and Leases Receivable": "2,434,998", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "111,532", "Other Compr. Net Income": "8,946", "Other Expenses": "16,527", "Other Liabilities": "310,763", "Other Net Income": "52,680", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "25,402"}, "output_variables": {"Liabilities": "2,859,221", "Assets": "3,188,867", "Expenses": "16,527", "Revenues": "0", "Stockholders Equity": "329,646", "Net Income": "36,153", "Comprehensive Net Income": "45,099", "BaseVar": "3,165,892", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2014": {"input_variables": {"Assets and Securities": "441,835", "Cash Deposits and Cash Equivalents": "76,386", "Deposits": "2,754,818", "Fees": "0", "Goodwill": "58,114", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "56,799", "Loans and Leases Receivable": "2,831,253", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "151,791", "Other Compr. Net Income": "2,157", "Other Expenses": "19,908", "Other Liabilities": "428,978", "Other Net Income": "59,937", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "27,495"}, "output_variables": {"Liabilities": "3,240,595", "Assets": "3,586,874", "Expenses": "19,908", "Revenues": "0", "Stockholders Equity": "346,279", "Net Income": "40,029", "Comprehensive Net Income": "42,185", "BaseVar": "3,562,566", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2015": {"input_variables": {"Assets and Securities": "458,841", "Cash Deposits and Cash Equivalents": "93,222", "Deposits": "2,934,255", "Fees": "0", "Goodwill": "64,059", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "60,307", "Loans and Leases Receivable": "2,986,058", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "139,831", "Other Compr. Net Income": "-4,196", "Other Expenses": "21,617", "Other Liabilities": "401,654", "Other Net Income": "64,443", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "29,593"}, "output_variables": {"Liabilities": "3,396,216", "Assets": "3,771,604", "Expenses": "21,617", "Revenues": "0", "Stockholders Equity": "375,388", "Net Income": "42,826", "Comprehensive Net Income": "38,630", "BaseVar": "3,747,726", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2016": {"input_variables": {"Assets and Securities": "819,641", "Cash Deposits and Cash Equivalents": "106,185", "Deposits": "3,063,752", "Fees": "0", "Goodwill": "64,059", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "54,948", "Loans and Leases Receivable": "3,208,367", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "153,843", "Other Compr. Net Income": "-5,159", "Other Expenses": "22,984", "Other Liabilities": "871,611", "Other Net Income": "68,972", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "29,020"}, "output_variables": {"Liabilities": "3,990,311", "Assets": "4,381,115", "Expenses": "22,984", "Revenues": "0", "Stockholders Equity": "390,804", "Net Income": "45,988", "Comprehensive Net Income": "40,829", "BaseVar": "4,361,977", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2017": {"input_variables": {"Assets and Securities": "860,305", "Cash Deposits and Cash Equivalents": "79,853", "Deposits": "3,242,707", "Fees": "0", "Goodwill": "63,909", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "59,822", "Loans and Leases Receivable": "3,347,583", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "149,867", "Other Compr. Net Income": "-5,344", "Other Expenses": "36,706", "Other Liabilities": "814,037", "Other Net Income": "77,941", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "28,333"}, "output_variables": {"Liabilities": "4,116,566", "Assets": "4,529,850", "Expenses": "36,706", "Revenues": "0", "Stockholders Equity": "413,284", "Net Income": "41,235", "Comprehensive Net Income": "35,890", "BaseVar": "4,540,992", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2018": {"input_variables": {"Assets and Securities": "1,018,952", "Cash Deposits and Cash Equivalents": "89,923", "Deposits": "3,524,048", "Fees": "0", "Goodwill": "63,909", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,985,963", "Loans and Leases Receivable": "3,653,288", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "155,689", "Other Compr. Net Income": "-1,969", "Other Expenses": "19,992", "Other Liabilities": "-1,947,429", "Other Net Income": "87,145", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "29,005"}, "output_variables": {"Liabilities": "4,562,582", "Assets": "5,010,766", "Expenses": "19,992", "Revenues": "0", "Stockholders Equity": "448,184", "Net Income": "67,152", "Comprehensive Net Income": "65,184", "BaseVar": "4,984,701", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2019": {"input_variables": {"Assets and Securities": "1,006,686", "Cash Deposits and Cash Equivalents": "132,193", "Deposits": "3,498,882", "Fees": "0", "Goodwill": "63,909", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,986,237", "Loans and Leases Receivable": "3,865,985", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "195,186", "Other Compr. Net Income": "4,215", "Other Expenses": "18,978", "Other Liabilities": "-1,695,952", "Other Net Income": "88,256", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "28,700"}, "output_variables": {"Liabilities": "4,789,167", "Assets": "5,292,659", "Expenses": "18,978", "Revenues": "0", "Stockholders Equity": "503,492", "Net Income": "69,278", "Comprehensive Net Income": "73,493", "BaseVar": "5,243,193", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": -8.0, "value": 0.13902851797985968, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000737468.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000737468.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000737468.svg"}, {"company_id": "0001657642", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001657642.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001657642.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001657642.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001657642_256x256.png", "name": "Skyline Bankshares Inc", "rank": 82, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001657642.svg", "report_text": "The relative strengths and weaknesses of Skyline 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 Skyline Bankshares Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Skyline Bankshares Inc 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 14%, being 1.4% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001657642_2020_Skyline_Bankshares_Inc.pdf", "shrinked_graph_json": {"2018": {"Other Liabilities": "9.39", "Liabilities": "3.55", "Stockholders Equity": "-0.713", "ECR before LimitedLiability": "-3.37", "Long-term Debt": "0.640", "Liabilities and Borrowings": "-32.2", "Deposits": "-6.21", "Property, Plant and Equipment": "1.06", "Assets": "-4.55", "Assets and Securities": "-7.71", "Other Assets": "-3.75", "Loans and Leases Receivable": "7.05", "Goodwill": "-0.950", "Cash Deposits and Cash Equivalents": "-1.20", "Labor Expense": "-4.22", "Expenses": "-8.12", "Net Income": "-3.67", "Other Net Income": "3.88", "Other Expenses": "-2.94", "Comprehensive Net Income": "-3.40", "Economic Capital Ratio": "-3.46"}, "2019": {"Long-term Debt": "0.561", "Liabilities": "-3.70", "ECR before LimitedLiability": "-1.33", "Deposits": "-12.8", "Other Liabilities": "13.9", "Liabilities and Borrowings": "-33.4", "Loans and Leases Receivable": "11.6", "Assets": "3.23", "Comprehensive Net Income": "-0.759", "Other Assets": "-3.41", "Goodwill": "-0.871", "Property, Plant and Equipment": "1.53", "Cash Deposits and Cash Equivalents": "1.13", "Assets and Securities": "-7.30", "Expenses": "3.92", "Revenues": "-0.827", "Other Expenses": "0.723", "Labor Expense": "2.06", "Other Revenues": "-0.827", "Other Net Income": "-3.65", "Economic Capital Ratio": "-1.36"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001657642_strength_weakness.svg", "table_records": {"2018": {"input_variables": {"Assets and Securities": "9,948", "Cash Deposits and Cash Equivalents": "21,017", "Deposits": "601,868", "Fees": "683", "Goodwill": "3,198", "IT and Equipment Expense": "1,353", "Labor Expense": "11,802", "Liabilities and Borrowings": "444,407", "Loans and Leases Receivable": "532,970", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "92,466", "Other Compr. Net Income": "-457", "Other Expenses": "8,265", "Other Liabilities": "-441,613", "Other Net Income": "24,268", "Other Noninterest Expense": "1,968", "Other Revenues": "555", "Property, Plant and Equipment": "20,685"}, "output_variables": {"Liabilities": "604,662", "Assets": "680,284", "Expenses": "24,071", "Revenues": "555", "Stockholders Equity": "75,622", "Net Income": "752", "Comprehensive Net Income": "295", "BaseVar": "732,045", "ECR before LimitedLiability": "9.2%", "Economic Capital Ratio": "9.4%"}}, "2019": {"input_variables": {"Assets and Securities": "9,492", "Cash Deposits and Cash Equivalents": "43,249", "Deposits": "611,211", "Fees": "0", "Goodwill": "3,257", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "448,830", "Loans and Leases Receivable": "566,460", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "60,395", "Other Compr. Net Income": "1,043", "Other Expenses": "1,780", "Other Liabilities": "-435,179", "Other Net Income": "8,935", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "23,437"}, "output_variables": {"Liabilities": "624,862", "Assets": "706,290", "Expenses": "1,780", "Revenues": "0", "Stockholders Equity": "81,428", "Net Income": "7,155", "Comprehensive Net Income": "8,198", "BaseVar": "686,917", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}}, "top_rated": false, "trend": 27.0, "value": 0.13896897864509503, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001657642.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001657642.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001657642.svg"}, {"company_id": "0000731653", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000731653.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 83, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 14% points.The greatest weakness of United Bancorp INC OH is the variable Other Liabilities, reducing the Economic Capital Ratio by 36% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 14%, being 1.4% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000731653_2020_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"}, "2014": {"Deposits": "-6.37", "Liabilities": "-1.76", "Stockholders Equity": "-0.456", "ECR before LimitedLiability": "-1.98", "Other Liabilities": "-22.6", "Liabilities and Borrowings": "10.8", "Long-term Debt": "1.19", "Cash Deposits and Cash Equivalents": "3.85", "Assets": "1.06", "Other Assets": "-11.9", "Property, Plant and Equipment": "0.723", "Assets and Securities": "-3.98", "Goodwill": "-0.838", "Loans and Leases Receivable": "9.85", "Expenses": "1.03", "Net Income": "-0.874", "Other Expenses": "0.538", "Other Compr. Net Income": "-0.379", "Comprehensive Net Income": "-1.26", "Other Net Income": "-1.66", "Economic Capital Ratio": "-2.02"}, "2015": {"Deposits": "-6.25", "Liabilities": "-0.847", "ECR before LimitedLiability": "-0.564", "Long-term Debt": "1.12", "Other Liabilities": "-24.9", "Liabilities and Borrowings": "11.1", "Loans and Leases Receivable": "10.3", "Assets": "0.640", "Assets and Securities": "-3.56", "Property, Plant and Equipment": "0.807", "Cash Deposits and Cash Equivalents": "-0.614", "Goodwill": "-0.832", "Other Assets": "-9.22", "Expenses": "0.682", "Net Income": "-0.409", "Labor Expense": "0.273", "Other Revenues": "-0.317", "Revenues": "-0.317", "Comprehensive Net Income": "-0.345", "Other Net Income": "-0.785", "Economic Capital Ratio": "-0.604"}, "2016": {"Liabilities and Borrowings": "10.8", "Liabilities": "-1.50", "Stockholders Equity": "-0.602", "ECR before LimitedLiability": "-0.940", "Deposits": "-2.83", "Other Liabilities": "-30.7", "Long-term Debt": "0.807", "Assets and Securities": "-4.43", "Assets": "0.709", "Property, Plant and Equipment": "0.903", "Other Assets": "-6.90", "Goodwill": "-0.991", "Loans and Leases Receivable": "9.70", "Cash Deposits and Cash Equivalents": "-1.16", "Expenses": "0.930", "Revenues": "-0.491", "Net Income": "-0.505", "Labor Expense": "0.431", "Other Revenues": "-0.491", "Other Net Income": "-0.967", "Economic Capital Ratio": "-0.984"}, "2017": {"Other Liabilities": "-24.3", "Liabilities": "-1.78", "Stockholders Equity": "-1.06", "ECR before LimitedLiability": "-1.59", "Liabilities and Borrowings": "10.7", "Long-term Debt": "0.730", "Deposits": "-7.64", "Loans and Leases Receivable": "8.82", "Assets": "0.534", "Cash Deposits and Cash Equivalents": "-0.709", "Assets and Securities": "-3.93", "Other Assets": "-5.74", "Property, Plant and Equipment": "0.781", "Goodwill": "-1.14", "Expenses": "1.07", "Revenues": "-0.530", "Net Income": "-0.377", "Labor Expense": "0.520", "Other Revenues": "-0.530", "Other Net Income": "-0.950", "Economic Capital Ratio": "-1.64"}, "2018": {"Other Liabilities": "-22.1", "Liabilities": "-5.11", "Assets": "2.34", "Stockholders Equity": "-1.86", "ECR before LimitedLiability": "-2.78", "Long-term Debt": "0.594", "Liabilities and Borrowings": "9.96", "Deposits": "-13.5", "Assets and Securities": "-7.47", "Other Assets": "4.53", "Loans and Leases Receivable": "4.77", "Goodwill": "-1.17", "Labor Expense": "1.83", "Expenses": "3.52", "Revenues": "-0.733", "Net Income": "-1.01", "Other Expenses": "0.839", "Other Revenues": "-0.733", "Other Net Income": "-4.43", "Economic Capital Ratio": "-2.87", "Other Compr. Net Income": "0.680"}, "2019": {"Liabilities": "-4.65", "Stockholders Equity": "-2.22", "ECR before LimitedLiability": "-1.35", "Deposits": "-4.75", "Other Liabilities": "-35.6", "Liabilities and Borrowings": "13.8", "Assets": "1.76", "Other Assets": "-6.76", "Goodwill": "-1.21", "Cash Deposits and Cash Equivalents": "-1.81", "Assets and Securities": "10.7", "Expenses": "4.53", "Net Income": "-0.614", "Other Expenses": "1.36", "Labor Expense": "2.07", "Other Revenues": "-0.832", "Revenues": "-0.832", "Comprehensive Net Income": "1.57", "Other Compr. Net Income": "2.17", "Other Net Income": "-4.46", "Economic Capital Ratio": "-1.38"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2014": {"input_variables": {"Assets and Securities": "1,940", "Cash Deposits and Cash Equivalents": "39,164", "Deposits": "322,681", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "313,354", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "37,283", "Other Compr. Net Income": "248", "Other Expenses": "923", "Other Liabilities": "38,741", "Other Net Income": "3,574", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "10,071"}, "output_variables": {"Liabilities": "361,422", "Assets": "401,812", "Expenses": "923", "Revenues": "0", "Stockholders Equity": "40,390", "Net Income": "2,651", "Comprehensive Net Income": "2,899", "BaseVar": "390,229", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2015": {"input_variables": {"Assets and Securities": "2,728", "Cash Deposits and Cash Equivalents": "12,701", "Deposits": "323,622", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "327,226", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "52,023", "Other Compr. Net Income": "-238", "Other Expenses": "1,334", "Other Liabilities": "40,006", "Other Net Income": "4,558", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "10,446"}, "output_variables": {"Liabilities": "363,628", "Assets": "405,124", "Expenses": "1,334", "Revenues": "0", "Stockholders Equity": "41,496", "Net Income": "3,224", "Comprehensive Net Income": "2,986", "BaseVar": "395,502", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2016": {"input_variables": {"Assets and Securities": "2,436", "Cash Deposits and Cash Equivalents": "11,541", "Deposits": "338,803", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "354,380", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "57,777", "Other Compr. Net Income": "-262", "Other Expenses": "1,756", "Other Liabilities": "56,574", "Other Net Income": "5,243", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "11,884"}, "output_variables": {"Liabilities": "395,377", "Assets": "438,018", "Expenses": "1,756", "Revenues": "0", "Stockholders Equity": "42,641", "Net Income": "3,487", "Comprehensive Net Income": "3,224", "BaseVar": "429,877", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2017": {"input_variables": {"Assets and Securities": "3,834", "Cash Deposits and Cash Equivalents": "14,315", "Deposits": "385,966", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "366,467", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "62,976", "Other Compr. Net Income": "-62", "Other Expenses": "2,588", "Other Liabilities": "29,471", "Other Net Income": "5,661", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "11,740"}, "output_variables": {"Liabilities": "415,437", "Assets": "459,332", "Expenses": "2,588", "Revenues": "0", "Stockholders Equity": "43,895", "Net Income": "3,073", "Comprehensive Net Income": "3,010", "BaseVar": "452,470", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2018": {"input_variables": {"Assets and Securities": "3,273", "Cash Deposits and Cash Equivalents": "25,253", "Deposits": "525,443", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "407,640", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "144,930", "Other Compr. Net Income": "361", "Other Expenses": "1,036", "Other Liabilities": "17,127", "Other Net Income": "5,014", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "12,117"}, "output_variables": {"Liabilities": "542,570", "Assets": "593,213", "Expenses": "1,036", "Revenues": "0", "Stockholders Equity": "50,643", "Net Income": "3,978", "Comprehensive Net Income": "4,339", "BaseVar": "579,527", "ECR before LimitedLiability": "9.6%", "Economic Capital Ratio": "9.8%"}}, "2019": {"input_variables": {"Assets and Securities": "192,736", "Cash Deposits and Cash Equivalents": "14,985", "Deposits": "548,069", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "439,317", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "26,266", "Other Compr. Net Income": "31,112", "Other Expenses": "595", "Other Liabilities": "77,715", "Other Net Income": "7,424", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "12,402"}, "output_variables": {"Liabilities": "625,784", "Assets": "685,706", "Expenses": "595", "Revenues": "0", "Stockholders Equity": "59,922", "Net Income": "6,829", "Comprehensive Net Income": "37,941", "BaseVar": "726,770", "ECR before LimitedLiability": "28%", "Economic Capital Ratio": "28%"}}}, "top_rated": false, "trend": 22.0, "value": 0.13881658177135126, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000731653.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000731653.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000731653.svg"}, {"company_id": "0000701347", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000701347.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0000701347.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000701347.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000701347_256x256.png", "name": "Central Pacific Financial CORP", "rank": 84, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0000701347.svg", "report_text": "The relative strengths and weaknesses of Central Pacific 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 Central Pacific Financial CORP compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Central Pacific Financial CORP is the variable Loans and Leases Receivable, reducing the Economic Capital Ratio by 38% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 14%, being 1.4% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000701347_2020_Central_Pacific_Financial_CORP.pdf", "shrinked_graph_json": {"2014": {"Cash Deposits and Cash Equivalents": "-1.72", "Assets": "0.505", "Deposits": "-10.4", "Stockholders Equity": "0.803", "Comprehensive Net Income": "0.603", "ECR before LimitedLiability": "1.36", "Other Assets": "-14.3", "Property, Plant and Equipment": "-0.371", "Assets and Securities": "14.1", "Goodwill": "-0.855", "Loans and Leases Receivable": "-0.605", "Expenses": "0.380", "Labor Expense": "0.327", "Other Revenues": "-0.296", "Revenues": "-0.296", "Long-term Debt": "-0.390", "Liabilities and Borrowings": "13.6", "Other Liabilities": "-13.7", "Other Net Income": "-0.349", "Other Compr. Net Income": "0.867", "Economic Capital Ratio": "1.32"}, "2015": {"Deposits": "-11.6", "Liabilities": "-0.427", "Stockholders Equity": "-0.662", "ECR before LimitedLiability": "-0.704", "Long-term Debt": "-0.362", "Other Liabilities": "-15.7", "Liabilities and Borrowings": "11.0", "Loans and Leases Receivable": "-0.247", "Assets": "-0.243", "Assets and Securities": "11.0", "Property, Plant and Equipment": "-0.382", "Cash Deposits and Cash Equivalents": "-1.79", "Goodwill": "-0.838", "Other Assets": "-14.7", "Other Revenues": "-0.319", "Revenues": "-0.319", "Economic Capital Ratio": "-0.744", "Other Expenses": "-0.523", "Labor Expense": "0.274", "Other Noninterest Expense": "0.0961", "Other Net Income": "0.255"}, "2016": {"Liabilities and Borrowings": "10.8", "Liabilities": "-1.32", "Assets and Securities": "10.5", "Stockholders Equity": "-0.938", "ECR before LimitedLiability": "-0.927", "Deposits": "-10.1", "Other Liabilities": "-18.9", "Long-term Debt": "-0.611", "Expenses": "0.558", "Net Income": "-0.321", "Labor Expense": "0.433", "Other Revenues": "-0.494", "Revenues": "-0.494", "Property, Plant and Equipment": "-0.410", "Other Assets": "-12.6", "Goodwill": "-0.996", "Loans and Leases Receivable": "1.20", "Cash Deposits and Cash Equivalents": "-1.95", "Other Net Income": "-0.393", "Economic Capital Ratio": "-0.970", "Other Compr. Net Income": "0.463"}, "2017": {"Other Liabilities": "-17.8", "Liabilities": "-1.67", "Loans and Leases Receivable": "1.06", "Stockholders Equity": "-1.63", "ECR before LimitedLiability": "-2.27", "Liabilities and Borrowings": "10.1", "Long-term Debt": "-0.610", "Deposits": "-10.9", "Expenses": "0.523", "Net Income": "-0.538", "Labor Expense": "0.510", "Other Revenues": "-0.523", "Revenues": "-0.523", "Cash Deposits and Cash Equivalents": "-1.91", "Assets and Securities": "9.78", "Other Assets": "-12.3", "Property, Plant and Equipment": "-0.439", "Goodwill": "-1.13", "Comprehensive Net Income": "-0.471", "Other Net Income": "-0.548", "Economic Capital Ratio": "-2.32"}, "2018": {"Other Liabilities": "-23.0", "Liabilities": "-3.95", "Stockholders Equity": "-2.05", "ECR before LimitedLiability": "-2.81", "Long-term Debt": "-1.09", "Liabilities and Borrowings": "9.93", "Deposits": "-9.07", "Property, Plant and Equipment": "-0.413", "Assets": "1.35", "Assets and Securities": "7.71", "Other Assets": "-9.33", "Loans and Leases Receivable": "4.62", "Goodwill": "-1.19", "Cash Deposits and Cash Equivalents": "-1.89", "Labor Expense": "1.86", "Expenses": "3.05", "Other Noninterest Expense": "0.456", "Other Revenues": "-0.744", "Revenues": "-0.744", "Economic Capital Ratio": "-2.90", "Other Net Income": "-2.71"}, "2019": {"Long-term Debt": "-0.861", "Liabilities": "2.57", "Stockholders Equity": "-3.05", "ECR before LimitedLiability": "-1.36", "Deposits": "-3.08", "Other Liabilities": "-28.3", "Liabilities and Borrowings": "13.8", "Loans and Leases Receivable": "-37.8", "Assets": "-4.82", "Other Assets": "13.9", "Goodwill": "-1.33", "Cash Deposits and Cash Equivalents": "-3.66", "Assets and Securities": "-8.44", "Expenses": "-4.68", "Revenues": "1.16", "Comprehensive Net Income": "1.02", "Other Expenses": "-8.31", "Labor Expense": "2.26", "Other Revenues": "1.16", "Other Net Income": "3.67", "Economic Capital Ratio": "-1.39"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0000701347_strength_weakness.svg", "table_records": {"2014": {"input_variables": {"Assets and Securities": "1,600,235", "Cash Deposits and Cash Equivalents": "86,007", "Deposits": "4,110,300", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "43,861", "Loans and Leases Receivable": "2,858,158", "Long-term Debt": "92,785", "Occupancy": "0", "Other Assets": "259,373", "Other Compr. 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Net Income": "-2,956", "Other Expenses": "27,088", "Other Liabilities": "69,000", "Other Net Income": "72,956", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "49,161"}, "output_variables": {"Liabilities": "4,636,649", "Assets": "5,131,288", "Expenses": "27,088", "Revenues": "0", "Stockholders Equity": "494,639", "Net Income": "45,868", "Comprehensive Net Income": "42,912", "BaseVar": "5,070,914", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2016": {"input_variables": {"Assets and Securities": "1,540,518", "Cash Deposits and Cash Equivalents": "84,341", "Deposits": "4,608,201", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "43,575", "Loans and Leases Receivable": "3,468,259", "Long-term Debt": "92,785", "Occupancy": "0", "Other Assets": "242,860", "Other Compr. 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Net Income": "-305", "Other Expenses": "36,469", "Other Liabilities": "32,000", "Other Net Income": "75,715", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "48,348"}, "output_variables": {"Liabilities": "5,123,673", "Assets": "5,623,708", "Expenses": "36,469", "Revenues": "0", "Stockholders Equity": "500,035", "Net Income": "39,246", "Comprehensive Net Income": "38,941", "BaseVar": "5,577,858", "ECR before LimitedLiability": "9.8%", "Economic Capital Ratio": "9.9%"}}, "2018": {"input_variables": {"Assets and Securities": "1,401,355", "Cash Deposits and Cash Equivalents": "102,186", "Deposits": "4,946,490", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "49,645", "Loans and Leases Receivable": "4,030,450", "Long-term Debt": "122,166", "Occupancy": "0", "Other Assets": "227,750", "Other Compr. Net Income": "-7,984", "Other Expenses": "19,353", "Other Liabilities": "197,000", "Other Net Income": "78,994", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "45,285"}, "output_variables": {"Liabilities": "5,315,301", "Assets": "5,807,026", "Expenses": "19,353", "Revenues": "0", "Stockholders Equity": "491,725", "Net Income": "59,642", "Comprehensive Net Income": "51,657", "BaseVar": "5,754,155", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2019": {"input_variables": {"Assets and Securities": "49,111", "Cash Deposits and Cash Equivalents": "0", "Deposits": "5,120,023", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "59,950", "Loans and Leases Receivable": "0", "Long-term Debt": "101,547", "Occupancy": "0", "Other Assets": "5,917,218", "Other Compr. Net Income": "-11,556", "Other Expenses": "19,040", "Other Liabilities": "202,632", "Other Net Income": "262,868", "Other Noninterest Expense": "0", "Other Revenues": "32,948", "Property, Plant and Equipment": "46,343"}, "output_variables": {"Liabilities": "5,484,152", "Assets": "6,012,672", "Expenses": "19,040", "Revenues": "32,948", "Stockholders Equity": "528,520", "Net Income": "276,777", "Comprehensive Net Income": "265,221", "BaseVar": "6,340,850", "ECR before LimitedLiability": "24%", "Economic Capital Ratio": "24%"}}}, "top_rated": false, "trend": 22.0, "value": 0.13868623274910485, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000701347.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000701347.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000701347.svg"}, {"company_id": "0001458412", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001458412.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001458412.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001458412.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001458412_256x256.png", "name": "Crossfirst Bankshares INC", "rank": 85, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001458412.svg", "report_text": "The relative strengths and weaknesses of Crossfirst 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 Crossfirst Bankshares INC compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Crossfirst Bankshares INC 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 14%, being 1.4% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001458412_2020_Crossfirst_Bankshares_INC.pdf", "shrinked_graph_json": {"2019": {"Long-term Debt": "0.592", "Liabilities": "1.00", "ECR before LimitedLiability": "-1.40", "Deposits": "-2.22", "Other Liabilities": "-32.8", "Liabilities and Borrowings": "13.8", "Loans and Leases Receivable": "7.37", "Assets": "-0.603", "Comprehensive Net Income": "-1.71", "Other Assets": "2.68", "Goodwill": "-1.28", "Cash Deposits and Cash Equivalents": "-0.776", "Assets and Securities": "-8.47", "Expenses": "-1.95", "Net Income": "-2.31", "Other Expenses": "0.844", "Labor Expense": "-2.27", "Other Revenues": "-0.403", "Revenues": "-0.403", "Other Compr. Net Income": "0.596", "Economic Capital Ratio": "-1.43"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001458412_strength_weakness.svg", "table_records": {"2019": {"input_variables": {"Assets and Securities": "12,943", "Cash Deposits and Cash Equivalents": "187,320", "Deposits": "3,923,759", "Fees": "5,751", "Goodwill": "0", "IT and Equipment Expense": "2,544", "Labor Expense": "57,114", "Liabilities and Borrowings": "15,842", "Loans and Leases Receivable": "3,795,348", "Long-term Debt": "0", "Occupancy": "8,349", "Other Assets": "865,412", "Other Compr. Net Income": "19,392", "Other Expenses": "12,068", "Other Liabilities": "389,988", "Other Net Income": "115,491", "Other Noninterest Expense": "6,384", "Other Revenues": "6,030", "Property, Plant and Equipment": "70,210"}, "output_variables": {"Liabilities": "4,329,589", "Assets": "4,931,233", "Expenses": "92,210", "Revenues": "6,030", "Stockholders Equity": "601,644", "Net Income": "29,311", "Comprehensive Net Income": "48,703", "BaseVar": "5,053,529", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}}, "top_rated": false, "trend": null, "value": 0.13828673224435248, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001458412.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001458412.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001458412.svg"}, {"company_id": "0000739421", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000739421.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 86, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 41% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 14%, being 1.6% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000739421_2020_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"}, "2013": {"Long-term Debt": "0.917", "Liabilities": "-0.198", "Stockholders Equity": "-0.189", "Loans and Leases Receivable": "1.15", "ECR before LimitedLiability": "3.45", "Liabilities and Borrowings": "-51.8", "Other Liabilities": "13.8", "Deposits": "-8.01", "Expenses": "0.282", "Net Income": "2.16", "Labor Expense": "0.276", "Other Revenues": "-0.160", "Revenues": "-0.160", "Cash Deposits and Cash Equivalents": "-2.52", "Assets and Securities": "-3.55", "Other Assets": "5.29", "Property, Plant and Equipment": "-0.290", "Comprehensive Net Income": "3.65", "Other Net Income": "2.04", "Other Compr. Net Income": "1.54", "Economic Capital Ratio": "3.30"}, "2014": {"Deposits": "-8.78", "Liabilities": "0.0849", "ECR before LimitedLiability": "1.46", "Other Liabilities": "14.4", "Liabilities and Borrowings": "-56.1", "Long-term Debt": "1.31", "Expenses": "0.528", "Net Income": "2.05", "Labor Expense": "0.328", "Other Noninterest Expense": "0.0913", "Other Revenues": "-0.297", "Revenues": "-0.297", "Comprehensive Net Income": "1.42", "Other Net Income": "1.82", "Other Compr. Net Income": "-0.639", "Cash Deposits and Cash Equivalents": "-2.12", "Economic Capital Ratio": "1.43", "Property, Plant and Equipment": "-0.141", "Other Assets": "6.82", "Assets and Securities": "-3.80", "Loans and Leases Receivable": "-0.675"}, "2015": {"Deposits": "-11.3", "Liabilities": "-0.904", "ECR before LimitedLiability": "0.464", "Long-term Debt": "1.15", "Other Liabilities": "12.2", "Liabilities and Borrowings": "-49.6", "Loans and Leases Receivable": "-1.23", "Assets": "0.730", "Comprehensive Net Income": "0.639", "Assets and Securities": "-3.30", "Cash Deposits and Cash Equivalents": "-1.37", "Goodwill": "0.496", "Other Assets": "5.74", "Expenses": "1.05", "Net Income": "0.356", "Other Expenses": "0.553", "Other Revenues": "-0.321", "Revenues": "-0.321", "Other Compr. Net Income": "0.285", "Other Net Income": "-0.379", "Economic Capital Ratio": "0.423"}, "2016": {"Liabilities and Borrowings": "-45.6", "Liabilities": "-1.47", "Assets": "0.948", "Stockholders Equity": "-0.314", "ECR before LimitedLiability": "0.385", "Deposits": "-7.63", "Other Liabilities": "12.1", "Long-term Debt": "0.838", "Assets and Securities": "-4.03", "Other Assets": "4.70", "Loans and Leases Receivable": "1.94", "Cash Deposits and Cash Equivalents": "-2.02", "Other Expenses": "0.673", "Expenses": "1.37", "Revenues": "-0.501", "Comprehensive Net Income": "0.896", "Labor Expense": "0.442", "Other Revenues": "-0.501", "Other Net Income": "-0.578", "Other Compr. Net Income": "0.591", "Economic Capital Ratio": "0.341"}, "2017": {"Other Liabilities": "11.3", "Liabilities": "-1.60", "Assets": "0.279", "Stockholders Equity": "-1.17", "ECR before LimitedLiability": "-1.01", "Liabilities and Borrowings": "-42.9", "Long-term Debt": "0.747", "Deposits": "-4.72", "Loans and Leases Receivable": "5.52", "Cash Deposits and Cash Equivalents": "-2.00", "Assets and Securities": "-3.78", "Property, Plant and Equipment": "-0.187", "Expenses": "1.11", "Revenues": "-0.538", "Net Income": "0.289", "Other Expenses": "0.278", "Labor Expense": "0.530", "Other Revenues": "-0.538", "Comprehensive Net Income": "0.325", "Other Net Income": "-0.299", "Economic Capital Ratio": "-1.06"}, "2018": {"Other Liabilities": "12.7", "Liabilities": "-3.72", "Assets": "2.11", "Stockholders Equity": "-1.03", "Economic Capital Ratio": "-0.144", "Long-term Debt": "0.654", "Liabilities and Borrowings": "-44.5", "Deposits": "-7.79", "Assets and Securities": "-7.22", "Other Assets": "2.27", "Loans and Leases Receivable": "8.78", "Cash Deposits and Cash Equivalents": "-2.32", "Labor Expense": "2.04", "Expenses": "3.73", "Revenues": "-0.778", "Net Income": "0.948", "Other Noninterest Expense": "0.485", "Other Expenses": "0.531", "Other Revenues": "-0.778", "Comprehensive Net Income": "1.42", "Other Compr. Net Income": "0.476", "Other Net Income": "-2.16"}, "2019": {"Long-term Debt": "0.561", "Liabilities": "-3.91", "Assets": "2.61", "Stockholders Equity": "-0.658", "ECR before LimitedLiability": "-1.55", "Deposits": "-8.15", "Other Liabilities": "13.7", "Liabilities and Borrowings": "-40.9", "Loans and Leases Receivable": "7.90", "Other Assets": "-7.08", "Cash Deposits and Cash Equivalents": "-2.45", "Assets and Securities": "4.25", "Expenses": "3.89", "Revenues": "-0.829", "Net Income": "0.711", "Other Expenses": "0.701", "Labor Expense": "2.06", "Other Revenues": "-0.829", "Other Net Income": "-2.45", "Other Compr. Net Income": "-0.869", "Economic Capital Ratio": "-1.58"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "11,510", "Cash Deposits and Cash Equivalents": "10,083", "Deposits": "748,316", "Fees": "0", "Goodwill": "10,256", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "669,466", "Loans and Leases Receivable": "533,514", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "338,466", "Other Compr. Net Income": "0", "Other Expenses": "3,752", "Other Liabilities": "-594,904", "Other Net Income": "17,127", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "11,105"}, "output_variables": {"Liabilities": "822,878", "Assets": "914,934", "Expenses": "3,752", "Revenues": "0", "Stockholders Equity": "92,056", "Net Income": "13,375", "Comprehensive Net Income": "13,375", "BaseVar": "906,801", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2014": {"input_variables": {"Assets and Securities": "7,166", "Cash Deposits and Cash Equivalents": "11,423", "Deposits": "773,933", "Fees": "0", "Goodwill": "10,256", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "686,439", "Loans and Leases Receivable": "547,787", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "336,059", "Other Compr. Net Income": "0", "Other Expenses": "3,521", "Other Liabilities": "-635,852", "Other Net Income": "16,920", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "12,357"}, "output_variables": {"Liabilities": "824,520", "Assets": "925,048", "Expenses": "3,521", "Revenues": "0", "Stockholders Equity": "100,528", "Net Income": "13,399", "Comprehensive Net Income": "13,399", "BaseVar": "911,884", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2015": {"input_variables": {"Assets and Securities": "12,104", "Cash Deposits and Cash Equivalents": "24,384", "Deposits": "988,031", "Fees": "0", "Goodwill": "21,089", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "849,899", "Loans and Leases Receivable": "688,528", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "399,616", "Other Compr. Net Income": "0", "Other Expenses": "2,541", "Other Liabilities": "-794,706", "Other Net Income": "14,003", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "17,263"}, "output_variables": {"Liabilities": "1,043,224", "Assets": "1,162,984", "Expenses": "2,541", "Revenues": "0", "Stockholders Equity": "119,760", "Net Income": "11,462", "Comprehensive Net Income": "11,462", "BaseVar": "1,133,133", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2016": {"input_variables": {"Assets and Securities": "13,454", "Cash Deposits and Cash Equivalents": "17,754", "Deposits": "1,005,503", "Fees": "0", "Goodwill": "21,089", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "871,943", "Loans and Leases Receivable": "792,552", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "361,139", "Other Compr. Net Income": "0", "Other Expenses": "3,089", "Other Liabilities": "-777,696", "Other Net Income": "15,822", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "17,030"}, "output_variables": {"Liabilities": "1,099,750", "Assets": "1,223,018", "Expenses": "3,089", "Revenues": "0", "Stockholders Equity": "123,268", "Net Income": "12,733", "Comprehensive Net Income": "12,733", "BaseVar": "1,195,709", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2017": {"input_variables": {"Assets and Securities": "14,679", "Cash Deposits and Cash Equivalents": "18,517", "Deposits": "1,104,943", "Fees": "0", "Goodwill": "23,296", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "945,474", "Loans and Leases Receivable": "990,774", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "298,097", "Other Compr. Net Income": "0", "Other Expenses": "6,841", "Other Liabilities": "-817,542", "Other Net Income": "19,504", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "16,523"}, "output_variables": {"Liabilities": "1,232,875", "Assets": "1,361,886", "Expenses": "6,841", "Revenues": "0", "Stockholders Equity": "129,011", "Net Income": "12,663", "Comprehensive Net Income": "12,663", "BaseVar": "1,345,198", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2018": {"input_variables": {"Assets and Securities": "14,132", "Cash Deposits and Cash Equivalents": "16,797", "Deposits": "1,185,156", "Fees": "0", "Goodwill": "23,296", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,019,242", "Loans and Leases Receivable": "1,070,126", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "290,088", "Other Compr. Net Income": "0", "Other Expenses": "3,841", "Other Liabilities": "-912,915", "Other Net Income": "21,823", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "16,273"}, "output_variables": {"Liabilities": "1,291,483", "Assets": "1,430,712", "Expenses": "3,841", "Revenues": "0", "Stockholders Equity": "139,229", "Net Income": "17,982", "Comprehensive Net Income": "17,982", "BaseVar": "1,407,679", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2019": {"input_variables": {"Assets and Securities": "257,766", "Cash Deposits and Cash Equivalents": "18,520", "Deposits": "1,211,118", "Fees": "0", "Goodwill": "23,296", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,021,567", "Loans and Leases Receivable": "1,102,539", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "48,285", "Other Compr. Net Income": "0", "Other Expenses": "3,753", "Other Liabilities": "-921,120", "Other Net Income": "23,645", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "15,933"}, "output_variables": {"Liabilities": "1,311,565", "Assets": "1,466,339", "Expenses": "3,753", "Revenues": "0", "Stockholders Equity": "154,774", "Net Income": "19,892", "Comprehensive Net Income": "19,892", "BaseVar": "1,438,680", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}}, "top_rated": false, "trend": -22.0, "value": 0.13680500288901515, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000739421.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000739421.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000739421.svg"}, {"company_id": "0000039311", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000039311.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0000039311.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000039311.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000039311_256x256.png", "name": "Independent BANK CORP MI", "rank": 87, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0000039311.svg", "report_text": "The relative strengths and weaknesses of Independent BANK CORP MI are 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 MI compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Independent BANK CORP MI is the variable Other Liabilities, reducing the Economic Capital Ratio by 23% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 14%, being 1.6% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000039311_2020_Independent_BANK_CORP_MI.pdf", "shrinked_graph_json": {"2014": {"Deposits": "-11.5", "Liabilities": "-0.675", "Stockholders Equity": "0.384", "Economic Capital Ratio": "-0.188", "Other Liabilities": "-14.4", "Liabilities and Borrowings": "12.2", "Long-term Debt": "1.26", "Cash Deposits and Cash Equivalents": "-0.599", "Assets": "0.922", "Other Assets": "3.24", "Property, Plant and Equipment": "0.396", "Assets and Securities": "-3.59", "Goodwill": "-0.852", "Loans and Leases Receivable": "2.38", "Expenses": "0.743", "Revenues": "-0.291", "Net Income": "-0.365", "Other Expenses": "0.220", "Labor Expense": "0.321", "Other Revenues": "-0.291", "Comprehensive Net Income": "-0.382", "Other Net Income": "-0.822"}, "2015": {"Deposits": "-12.8", "Liabilities": "-0.611", "ECR before LimitedLiability": "-0.124", "Long-term Debt": "1.14", "Other Liabilities": "-15.8", "Liabilities and Borrowings": "11.5", "Loans and Leases Receivable": "1.52", "Assets": "0.561", "Net Income": "-0.285", "Assets and Securities": "-3.35", "Property, Plant and Equipment": "0.235", "Cash Deposits and Cash Equivalents": "-0.308", "Goodwill": "-0.836", "Other Assets": "3.22", "Expenses": "0.473", "Revenues": "-0.320", "Labor Expense": "0.276", "Other Revenues": "-0.320", "Other Net Income": "-0.441", "Other Compr. Net Income": "0.222", "Economic Capital Ratio": "-0.165"}, "2016": {"Liabilities and Borrowings": "10.9", "Liabilities": "-1.19", "Stockholders Equity": "-0.608", "ECR before LimitedLiability": "-0.848", "Deposits": "-12.0", "Other Liabilities": "-17.7", "Long-term Debt": "0.813", "Assets and Securities": "-4.10", "Assets": "0.449", "Other Assets": "5.61", "Goodwill": "-0.996", "Loans and Leases Receivable": "-0.196", "Cash Deposits and Cash Equivalents": "-0.717", "Expenses": "0.809", "Revenues": "-0.494", "Net Income": "-0.238", "Labor Expense": "0.434", "Other Revenues": "-0.494", "Other Net Income": "-0.568", "Economic Capital Ratio": "-0.892", "Other Compr. Net Income": "0.142"}, "2017": {"Other Liabilities": "-18.8", "Liabilities": "-1.17", "Loans and Leases Receivable": "4.57", "Stockholders Equity": "-1.18", "ECR before LimitedLiability": "-1.43", "Liabilities and Borrowings": "10.8", "Long-term Debt": "0.740", "Deposits": "-8.96", "Expenses": "0.388", "Revenues": "-0.536", "Net Income": "-0.547", "Other Expenses": "-0.453", "Labor Expense": "0.527", "Other Revenues": "-0.536", "Cash Deposits and Cash Equivalents": "-1.57", "Assets and Securities": "-3.80", "Other Assets": "1.47", "Goodwill": "-1.15", "Other Net Income": "-0.403", "Economic Capital Ratio": "-1.48", "Other Compr. Net Income": "0.407"}, "2018": {"Other Liabilities": "-21.0", "Liabilities": "-3.33", "Stockholders Equity": "-0.731", "Economic Capital Ratio": "-0.552", "Long-term Debt": "0.650", "Liabilities and Borrowings": "12.2", "Deposits": "-11.7", "Assets": "2.08", "Assets and Securities": "-7.22", "Other Assets": "1.03", "Loans and Leases Receivable": "9.87", "Goodwill": "-0.597", "Cash Deposits and Cash Equivalents": "-1.66", "Labor Expense": "2.02", "Expenses": "3.56", "Revenues": "-0.777", "Net Income": "0.674", "Other Noninterest Expense": "0.484", "Other Revenues": "-0.777", "Comprehensive Net Income": "0.689", "Other Net Income": "-2.29"}, "2019": {"Long-term Debt": "0.564", "Liabilities": "-3.89", "Stockholders Equity": "-1.33", "ECR before LimitedLiability": "-1.62", "Deposits": "-10.0", "Other Liabilities": "-23.2", "Liabilities and Borrowings": "13.4", "Loans and Leases Receivable": "7.84", "Assets": "1.98", "Other Assets": "4.33", "Goodwill": "-0.643", "Cash Deposits and Cash Equivalents": "-2.07", "Assets and Securities": "-7.48", "Expenses": "3.71", "Revenues": "-0.833", "Net Income": "0.571", "Other Expenses": "0.496", "Labor Expense": "2.07", "Other Revenues": "-0.833", "Other Net Income": "-2.40", "Economic Capital Ratio": "-1.65"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0000039311_strength_weakness.svg", "table_records": {"2014": {"input_variables": {"Assets and Securities": "23,793", "Cash Deposits and Cash Equivalents": "74,016", "Deposits": "1,924,302", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "36,511", "Loans and Leases Receivable": "1,407,634", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "697,339", "Other Compr. Net Income": "3,609", "Other Expenses": "7,195", "Other Liabilities": "37,546", "Other Net Income": "25,216", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "45,948"}, "output_variables": {"Liabilities": "1,998,359", "Assets": "2,248,730", "Expenses": "7,195", "Revenues": "0", "Stockholders Equity": "250,371", "Net Income": "18,021", "Comprehensive Net Income": "21,630", "BaseVar": "2,188,921", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2015": {"input_variables": {"Assets and Securities": "23,881", "Cash Deposits and Cash Equivalents": "85,783", "Deposits": "2,085,963", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "35,645", "Loans and Leases Receivable": "1,520,346", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "735,953", "Other Compr. Net Income": "-400", "Other Expenses": "9,363", "Other Liabilities": "36,366", "Other Net Income": "29,380", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "43,103"}, "output_variables": {"Liabilities": "2,157,974", "Assets": "2,409,066", "Expenses": "9,363", "Revenues": "0", "Stockholders Equity": "251,092", "Net Income": "20,017", "Comprehensive Net Income": "19,617", "BaseVar": "2,354,565", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2016": {"input_variables": {"Assets and Securities": "26,782", "Cash Deposits and Cash Equivalents": "83,194", "Deposits": "2,225,719", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "37,964", "Loans and Leases Receivable": "1,588,014", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "810,785", "Other Compr. Net Income": "-3,072", "Other Expenses": "10,135", "Other Liabilities": "36,287", "Other Net Income": "32,901", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "40,175"}, "output_variables": {"Liabilities": "2,299,970", "Assets": "2,548,950", "Expenses": "10,135", "Revenues": "0", "Stockholders Equity": "248,980", "Net Income": "22,766", "Comprehensive Net Income": "19,694", "BaseVar": "2,508,146", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2017": {"input_variables": {"Assets and Securities": "30,006", "Cash Deposits and Cash Equivalents": "54,738", "Deposits": "2,400,534", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "88,319", "Loans and Leases Receivable": "1,996,230", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "669,232", "Other Compr. Net Income": "675", "Other Expenses": "23,310", "Other Liabilities": "35,569", "Other Net Income": "39,901", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "39,149"}, "output_variables": {"Liabilities": "2,524,422", "Assets": "2,789,355", "Expenses": "23,310", "Revenues": "0", "Stockholders Equity": "264,933", "Net Income": "16,591", "Comprehensive Net Income": "17,266", "BaseVar": "2,772,841", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2018": {"input_variables": {"Assets and Securities": "34,870", "Cash Deposits and Cash Equivalents": "70,244", "Deposits": "2,913,428", "Fees": "0", "Goodwill": "28,300", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "61,471", "Loans and Leases Receivable": "2,557,632", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "623,458", "Other Compr. Net Income": "528", "Other Expenses": "11,683", "Other Liabilities": "39,388", "Other Net Income": "53,387", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "38,777"}, "output_variables": {"Liabilities": "3,014,287", "Assets": "3,353,281", "Expenses": "11,683", "Revenues": "0", "Stockholders Equity": "338,994", "Net Income": "41,704", "Comprehensive Net Income": "42,232", "BaseVar": "3,302,843", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2019": {"input_variables": {"Assets and Securities": "42,751", "Cash Deposits and Cash Equivalents": "65,304", "Deposits": "3,036,727", "Fees": "0", "Goodwill": "28,300", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "138,342", "Loans and Leases Receivable": "2,698,875", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "691,053", "Other Compr. Net Income": "-4,088", "Other Expenses": "10,830", "Other Liabilities": "39,456", "Other Net Income": "62,554", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "38,411"}, "output_variables": {"Liabilities": "3,214,525", "Assets": "3,564,694", "Expenses": "10,830", "Revenues": "0", "Stockholders Equity": "350,169", "Net Income": "51,724", "Comprehensive Net Income": "47,636", "BaseVar": "3,530,219", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": -16.0, "value": 0.13611403266547675, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000039311.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000039311.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000039311.svg"}, {"company_id": "0000719402", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000719402.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 88, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 Other Liabilities, increasing the Economic Capital Ratio by 13% points.The greatest weakness of First National CORP VA is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 17% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 14%, being 1.7% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000719402_2020_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"}, "2017": {"Other Liabilities": "-19.2", "Liabilities": "-2.20", "Stockholders Equity": "-2.44", "ECR before LimitedLiability": "-2.60", "Liabilities and Borrowings": "9.74", "Long-term Debt": "0.699", "Deposits": "-12.2", "Loans and Leases Receivable": "3.21", "Assets": "-0.357", "Cash Deposits and Cash Equivalents": "0.863", "Assets and Securities": "-3.96", "Other Assets": "-0.585", "Property, Plant and Equipment": "0.827", "Goodwill": "-1.12", "Expenses": "0.853", "Occupancy": "0.0982", "Labor Expense": "0.502", "Other Revenues": "-0.516", "Revenues": "-0.516", "Economic Capital Ratio": "-2.64", "Other Net Income": "-0.411"}, "2018": {"Other Liabilities": "-21.8", "Liabilities": "-3.64", "Stockholders Equity": "-1.81", "ECR before LimitedLiability": "-0.912", "Long-term Debt": "0.647", "Liabilities and Borrowings": "11.8", "Deposits": "-13.0", "Property, Plant and Equipment": "0.944", "Assets": "1.34", "Assets and Securities": "-7.56", "Other Assets": "2.96", "Loans and Leases Receivable": "6.21", "Goodwill": "-1.22", "Labor Expense": "2.01", "Expenses": "3.44", "Revenues": "-0.777", "Net Income": "1.20", "Other Revenues": "-0.777", "Comprehensive Net Income": "1.26", "Other Net Income": "-1.65", "Economic Capital Ratio": "-0.999"}, "2019": {"Long-term Debt": "0.563", "Liabilities": "-4.04", "Stockholders Equity": "-1.46", "ECR before LimitedLiability": "-1.65", "Deposits": "-13.1", "Other Liabilities": "13.0", "Liabilities and Borrowings": "-16.5", "Loans and Leases Receivable": "5.04", "Assets": "1.98", "Other Assets": "-6.06", "Goodwill": "-1.22", "Property, Plant and Equipment": "0.865", "Cash Deposits and Cash Equivalents": "0.767", "Assets and Securities": "2.81", "Expenses": "3.84", "Other Expenses": "0.639", "Labor Expense": "2.07", "Other Revenues": "-0.832", "Revenues": "-0.832", "Economic Capital Ratio": "-1.68", "Other Net Income": "-2.96"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2017": {"input_variables": {"Assets and Securities": "5,748", "Cash Deposits and Cash Equivalents": "39,986", "Deposits": "664,980", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,749", "Loans and Leases Receivable": "516,875", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "156,610", "Other Compr. Net Income": "60", "Other Expenses": "3,726", "Other Liabilities": "14,227", "Other Net Income": "10,174", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "19,891"}, "output_variables": {"Liabilities": "680,956", "Assets": "739,110", "Expenses": "3,726", "Revenues": "0", "Stockholders Equity": "58,154", "Net Income": "6,448", "Comprehensive Net Income": "6,508", "BaseVar": "735,370", "ECR before LimitedLiability": "9.6%", "Economic Capital Ratio": "9.8%"}}, "2018": {"input_variables": {"Assets and Securities": "4,490", "Cash Deposits and Cash Equivalents": "28,618", "Deposits": "670,566", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,485", "Loans and Leases Receivable": "537,847", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "161,948", "Other Compr. Net Income": "-670", "Other Expenses": "2,774", "Other Liabilities": "14,244", "Other Net Income": "11,902", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "20,066"}, "output_variables": {"Liabilities": "686,295", "Assets": "752,969", "Expenses": "2,774", "Revenues": "0", "Stockholders Equity": "66,674", "Net Income": "9,128", "Comprehensive Net Income": "8,458", "BaseVar": "747,484", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2019": {"input_variables": {"Assets and Securities": "125,822", "Cash Deposits and Cash Equivalents": "45,785", "Deposits": "706,442", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "399,255", "Loans and Leases Receivable": "569,579", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "39,115", "Other Compr. Net Income": "1,143", "Other Expenses": "2,254", "Other Liabilities": "-382,868", "Other Net Income": "11,939", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "19,747"}, "output_variables": {"Liabilities": "722,829", "Assets": "800,048", "Expenses": "2,254", "Revenues": "0", "Stockholders Equity": "77,219", "Net Income": "9,686", "Comprehensive Net Income": "10,829", "BaseVar": "789,273", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": -12.0, "value": 0.1357856864392719, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000719402.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000719402.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000719402.svg"}, {"company_id": "0000932781", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000932781.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 89, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 13% points.The greatest weakness of First Community CORP SC 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 14%, being 1.7% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000932781_2020_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"}, "2013": {"Long-term Debt": "0.625", "Liabilities": "-1.33", "Stockholders Equity": "-1.25", "Liabilities and Borrowings": "6.90", "Other Liabilities": "-23.4", "Deposits": "-4.01", "Expenses": "0.810", "Net Income": "-0.686", "Other Expenses": "0.512", "Labor Expense": "0.201", "Comprehensive Net Income": "-1.84", "ECR before LimitedLiability": "-3.40", "Goodwill": "-0.600", "Loans and Leases Receivable": "-1.53", "Cash Deposits and Cash Equivalents": "-1.44", "Assets and Securities": "-3.98", "Other Assets": "5.03", "Property, Plant and Equipment": "0.804", "Other Net Income": "-1.50", "Other Compr. Net Income": "-1.08", "Economic Capital Ratio": "-3.55"}, "2014": {"Deposits": "-7.55", "Liabilities": "-1.61", "Cash Deposits and Cash Equivalents": "-1.05", "Stockholders Equity": "-1.26", "ECR before LimitedLiability": "-1.33", "Other Liabilities": "-20.5", "Liabilities and Borrowings": "11.4", "Long-term Debt": "1.23", "Expenses": "1.02", "Revenues": "-0.287", "Net Income": "-1.03", "Other Expenses": "0.508", "Labor Expense": "0.316", "Other Revenues": "-0.287", "Other Assets": "7.66", "Property, Plant and Equipment": "1.44", "Assets and Securities": "-4.30", "Goodwill": "-0.394", "Loans and Leases Receivable": "-4.19", "Other Net Income": "-1.78", "Economic Capital Ratio": "-1.36", "Other Compr. Net Income": "1.10"}, "2015": {"Deposits": "-8.96", "Liabilities": "-1.62", "Stockholders Equity": "-0.925", "ECR before LimitedLiability": "-1.74", "Long-term Debt": "1.06", "Other Liabilities": "-21.4", "Liabilities and Borrowings": "9.97", "Loans and Leases Receivable": "-3.48", "Assets": "0.522", "Assets and Securities": "-3.96", "Property, Plant and Equipment": "1.38", "Cash Deposits and Cash Equivalents": "-0.992", "Goodwill": "-0.392", "Other Assets": "6.80", "Expenses": "0.879", "Revenues": "-0.305", "Net Income": "-0.709", "Other Expenses": "0.418", "Other Revenues": "-0.305", "Comprehensive Net Income": "-0.618", "Other Net Income": "-1.32", "Economic Capital Ratio": "-1.78"}, "2016": {"Liabilities and Borrowings": "9.28", "Liabilities": "-2.01", "Stockholders Equity": "-1.17", "ECR before LimitedLiability": "-2.46", "Deposits": "-8.52", "Other Liabilities": "-22.7", "Long-term Debt": "0.744", "Assets and Securities": "-4.71", "Assets": "0.612", "Property, Plant and Equipment": "1.20", "Other Assets": "7.05", "Goodwill": "-0.564", "Loans and Leases Receivable": "-2.26", "Cash Deposits and Cash Equivalents": "-1.33", "Other Expenses": "0.650", "Expenses": "1.26", "Revenues": "-0.465", "Net Income": "-0.787", "Other Revenues": "-0.465", "Comprehensive Net Income": "-1.03", "Other Net Income": "-1.69", "Economic Capital Ratio": "-2.51"}, "2017": {"Other Liabilities": "-22.1", "Liabilities": "-2.12", "Stockholders Equity": "-0.578", "ECR before LimitedLiability": "-1.73", "Liabilities and Borrowings": "10.6", "Long-term Debt": "0.721", "Deposits": "-8.86", "Loans and Leases Receivable": "-1.76", "Assets": "1.24", "Cash Deposits and Cash Equivalents": "-0.870", "Assets and Securities": "-4.44", "Other Assets": "6.05", "Property, Plant and Equipment": "1.41", "Expenses": "1.49", "Revenues": "-0.524", "Net Income": "-1.16", "Other Expenses": "0.701", "Other Revenues": "-0.524", "Comprehensive Net Income": "-0.839", "Other Net Income": "-2.20", "Economic Capital Ratio": "-1.78"}, "2018": {"Other Liabilities": "-26.5", "Liabilities": "4.18", "Stockholders Equity": "-1.49", "ECR before LimitedLiability": "-1.09", "Long-term Debt": "0.709", "Liabilities and Borrowings": "11.7", "Deposits": "-2.32", "Property, Plant and Equipment": "1.25", "Assets": "-5.26", "Assets and Securities": "-8.72", "Other Assets": "5.53", "Loans and Leases Receivable": "-1.83", "Cash Deposits and Cash Equivalents": "-1.37", "Labor Expense": "-4.50", "Expenses": "-6.83", "Revenues": "0.984", "Comprehensive Net Income": "-0.443", "Other Noninterest Expense": "-1.80", "Other Revenues": "0.984", "Other Net Income": "4.85", "Economic Capital Ratio": "-1.17"}, "2019": {"Liabilities": "4.06", "Stockholders Equity": "-1.91", "ECR before LimitedLiability": "-1.72", "Deposits": "-2.14", "Other Liabilities": "-29.9", "Liabilities and Borrowings": "13.5", "Loans and Leases Receivable": "-5.96", "Assets": "-5.17", "Other Assets": "9.55", "Property, Plant and Equipment": "1.16", "Cash Deposits and Cash Equivalents": "-0.793", "Assets and Securities": "-9.09", "Other Noninterest Expense": "-1.92", "Expenses": "-6.78", "Revenues": "0.804", "Net Income": "-1.27", "Labor Expense": "-4.63", "Other Revenues": "0.804", "Comprehensive Net Income": "-0.659", "Other Net Income": "4.51", "Economic Capital Ratio": "-1.75"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "259", "Cash Deposits and Cash Equivalents": "13,907", "Deposits": "497,071", "Fees": "0", "Goodwill": "571", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "6,144", "Loans and Leases Receivable": "343,378", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "255,750", "Other Compr. Net Income": "-4,885", "Other Expenses": "1,153", "Other Liabilities": "77,423", "Other Net Income": "5,290", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "19,444"}, "output_variables": {"Liabilities": "580,638", "Assets": "633,309", "Expenses": "1,153", "Revenues": "0", "Stockholders Equity": "52,671", "Net Income": "4,137", "Comprehensive Net Income": "-748", "BaseVar": "627,534", "ECR before LimitedLiability": "6.2%", "Economic Capital Ratio": "6.9%"}}, "2014": {"input_variables": {"Assets and Securities": "598", "Cash Deposits and Cash Equivalents": "21,934", "Deposits": "669,583", "Fees": "0", "Goodwill": "5,078", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "6,598", "Loans and Leases Receivable": "439,712", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "316,531", "Other Compr. Net Income": "-1,795", "Other Expenses": "1,910", "Other Liabilities": "61,654", "Other Net Income": "7,375", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "28,510"}, "output_variables": {"Liabilities": "737,835", "Assets": "812,363", "Expenses": "1,910", "Revenues": "0", "Stockholders Equity": "74,528", "Net Income": "5,465", "Comprehensive Net Income": "3,670", "BaseVar": "795,209", "ECR before LimitedLiability": "9.1%", "Economic Capital Ratio": "9.3%"}}, "2015": {"input_variables": {"Assets and Securities": "593", "Cash Deposits and Cash Equivalents": "22,348", "Deposits": "716,151", "Fees": "0", "Goodwill": "5,078", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "6,760", "Loans and Leases Receivable": "484,595", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "320,191", "Other Compr. Net Income": "1,373", "Other Expenses": "2,278", "Other Liabilities": "60,785", "Other Net Income": "8,732", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "29,929"}, "output_variables": {"Liabilities": "783,696", "Assets": "862,734", "Expenses": "2,278", "Revenues": "0", "Stockholders Equity": "79,038", "Net Income": "6,455", "Comprehensive Net Income": "7,828", "BaseVar": "845,691", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2016": {"input_variables": {"Assets and Securities": "599", "Cash Deposits and Cash Equivalents": "21,400", "Deposits": "766,622", "Fees": "0", "Goodwill": "5,078", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "7,784", "Loans and Leases Receivable": "541,495", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "316,388", "Other Compr. Net Income": "-1,498", "Other Expenses": "2,167", "Other Liabilities": "58,526", "Other Net Income": "8,968", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "29,833"}, "output_variables": {"Liabilities": "832,932", "Assets": "914,793", "Expenses": "2,167", "Revenues": "0", "Stockholders Equity": "81,861", "Net Income": "6,800", "Comprehensive Net Income": "5,302", "BaseVar": "896,793", "ECR before LimitedLiability": "9.4%", "Economic Capital Ratio": "9.6%"}}, "2017": {"input_variables": {"Assets and Securities": "602", "Cash Deposits and Cash Equivalents": "29,989", "Deposits": "888,323", "Fees": "0", "Goodwill": "14,589", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "8,261", "Loans and Leases Receivable": "641,008", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "328,440", "Other Compr. Net Income": "-243", "Other Expenses": "3,280", "Other Liabilities": "48,484", "Other Net Income": "9,225", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "36,103"}, "output_variables": {"Liabilities": "945,068", "Assets": "1,050,731", "Expenses": "3,280", "Revenues": "0", "Stockholders Equity": "105,663", "Net Income": "5,945", "Comprehensive Net Income": "5,702", "BaseVar": "1,021,039", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2018": {"input_variables": {"Assets and Securities": "57", "Cash Deposits and Cash Equivalents": "32,211", "Deposits": "925,523", "Fees": "375", "Goodwill": "14,637", "IT and Equipment Expense": "1,513", "Labor Expense": "19,515", "Liabilities and Borrowings": "10,358", "Loans and Leases Receivable": "712,199", "Long-term Debt": "0", "Occupancy": "2,380", "Other Assets": "297,504", "Other Compr. Net Income": "-885", "Other Expenses": "4,528", "Other Liabilities": "43,217", "Other Net Income": "75,419", "Other Noninterest Expense": "6,760", "Other Revenues": "5,384", "Property, Plant and Equipment": "34,987"}, "output_variables": {"Liabilities": "979,098", "Assets": "1,091,595", "Expenses": "35,071", "Revenues": "5,384", "Stockholders Equity": "112,497", "Net Income": "45,732", "Comprehensive Net Income": "44,847", "BaseVar": "1,247,265", "ECR before LimitedLiability": "24%", "Economic Capital Ratio": "24%"}}, "2019": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "47,692", "Deposits": "988,201", "Fees": "267", "Goodwill": "14,637", "IT and Equipment Expense": "1,493", "Labor Expense": "21,433", "Liabilities and Borrowings": "10,147", "Loans and Leases Receivable": "730,401", "Long-term Debt": "0", "Occupancy": "2,744", "Other Assets": "342,541", "Other Compr. Net Income": "1,932", "Other Expenses": "5,084", "Other Liabilities": "51,737", "Other Net Income": "43,726", "Other Noninterest Expense": "7,457", "Other Revenues": "5,310", "Property, Plant and Equipment": "35,008"}, "output_variables": {"Liabilities": "1,050,085", "Assets": "1,170,279", "Expenses": "38,478", "Revenues": "5,310", "Stockholders Equity": "120,194", "Net Income": "10,557", "Comprehensive Net Income": "12,489", "BaseVar": "1,272,527", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": -9.0, "value": 0.13508540572815717, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000932781.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000932781.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000932781.svg"}, {"company_id": "0001539638", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001539638.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001539638.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001539638.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001539638_256x256.png", "name": "Triumph Financial Inc", "rank": 90, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001539638.svg", "report_text": "The relative strengths and weaknesses of Triumph Financial Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Triumph Financial Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Triumph Financial Inc is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 24% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 13%, being 1.9% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001539638_2020_Triumph_Financial_Inc.pdf", "shrinked_graph_json": {"2014": {"Deposits": "-7.21", "Liabilities": "3.89", "Assets": "1.15", "Stockholders Equity": "4.84", "ECR before LimitedLiability": "5.88", "Other Liabilities": "18.8", "Liabilities and Borrowings": "-51.5", "Long-term Debt": "1.37", "Cash Deposits and Cash Equivalents": "5.37", "Other Assets": "-7.07", "Assets and Securities": "-3.57", "Loans and Leases Receivable": "7.47", "Expenses": "-0.800", "Revenues": "-0.302", "Net Income": "1.87", "Other Expenses": "-1.34", "Labor Expense": "0.334", "Other Revenues": "-0.302", "Comprehensive Net Income": "0.878", "Other Net Income": "2.97", "Other Compr. Net Income": "-0.989", "Economic Capital Ratio": "5.85"}, "2015": {"Deposits": "-1.28", "Liabilities": "3.80", "Assets": "1.05", "Stockholders Equity": "4.64", "ECR before LimitedLiability": "8.14", "Long-term Debt": "1.27", "Other Liabilities": "19.8", "Liabilities and Borrowings": "-41.0", "Loans and Leases Receivable": "11.6", "Assets and Securities": "4.76", "Cash Deposits and Cash Equivalents": "1.67", "Other Assets": "-14.2", "Other Revenues": "-0.334", "Revenues": "-0.334", "Net Income": "3.24", "Other Compr. Net Income": "0.141", "Comprehensive Net Income": "3.38", "Other Expenses": "-0.466", "Labor Expense": "0.290", "Other Net Income": "3.52", "Economic Capital Ratio": "8.10"}, "2016": {"Liabilities and Borrowings": "-34.7", "Liabilities": "-0.696", "Stockholders Equity": "0.383", "ECR before LimitedLiability": "0.121", "Deposits": "-2.17", "Other Liabilities": "11.9", "Long-term Debt": "0.837", "Assets and Securities": "-3.54", "Assets": "0.945", "Property, Plant and Equipment": "0.200", "Other Assets": "-5.74", "Goodwill": "-0.201", "Loans and Leases Receivable": "9.19", "Other Expenses": "-0.215", "Expenses": "0.493", "Revenues": "-0.502", "Net Income": "-0.633", "Labor Expense": "0.443", "Other Revenues": "-0.502", "Other Net Income": "-0.628", "Economic Capital Ratio": "0.0778", "Other Compr. Net Income": "0.514"}, "2017": {"Expenses": "0.144", "Net Income": "0.588", "Other Expenses": "-0.730", "Labor Expense": "0.550", "Other Revenues": "-0.554", "Revenues": "-0.554", "Loans and Leases Receivable": "10.2", "Stockholders Equity": "0.176", "ECR before LimitedLiability": "0.733", "Comprehensive Net Income": "0.590", "Other Liabilities": "12.8", "Assets and Securities": "-3.92", "Liabilities and Borrowings": "-30.5", "Property, Plant and Equipment": "0.238", "Cash Deposits and Cash Equivalents": "-0.215", "Long-term Debt": "0.784", "Other Assets": "-6.74", "Deposits": "0.945", "Goodwill": "-0.236", "Other Net Income": "0.995", "Economic Capital Ratio": "0.685"}, "2018": {"Other Liabilities": "14.1", "Liabilities": "7.46", "Assets": "-5.49", "Stockholders Equity": "1.44", "ECR before LimitedLiability": "1.71", "Long-term Debt": "0.757", "Liabilities and Borrowings": "-27.9", "Deposits": "5.64", "Assets and Securities": "-3.06", "Other Assets": "-11.3", "Loans and Leases Receivable": "7.74", "Goodwill": "1.24", "Labor Expense": "-5.35", "Expenses": "-10.1", "Net Income": "-1.40", "Other Net Income": "8.41", "Occupancy": "-0.801", "Other Noninterest Expense": "-1.39", "IT and Equipment Expense": "-1.23", "Comprehensive Net Income": "-0.902", "Economic Capital Ratio": "1.62"}, "2019": {"Liabilities": "6.79", "ECR before LimitedLiability": "-1.87", "Deposits": "6.63", "Other Liabilities": "12.3", "Liabilities and Borrowings": "-24.1", "Loans and Leases Receivable": "7.20", "Assets": "-6.55", "Other Assets": "-9.05", "Goodwill": "0.943", "Cash Deposits and Cash Equivalents": "-0.993", "Assets and Securities": "-5.01", "Other Noninterest Expense": "-1.73", "Expenses": "-11.2", "Net Income": "-2.16", "Occupancy": "-0.989", "Labor Expense": "-6.24", "IT and Equipment Expense": "-1.29", "Comprehensive Net Income": "-2.98", "Other Compr. Net Income": "-0.817", "Other Net Income": "8.13", "Economic Capital Ratio": "-1.90"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001539638_strength_weakness.svg", "table_records": {"2014": {"input_variables": {"Assets and Securities": "14,563", "Cash Deposits and Cash Equivalents": "160,888", "Deposits": "1,165,229", "Fees": "0", "Goodwill": "15,968", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "993,836", "Loans and Leases Receivable": "997,035", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "237,511", "Other Compr. Net Income": "-1,242", "Other Expenses": "10,378", "Other Liabilities": "-948,676", "Other Net Income": "30,167", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "21,933"}, "output_variables": {"Liabilities": "1,210,389", "Assets": "1,447,898", "Expenses": "10,378", "Revenues": "0", "Stockholders Equity": "237,509", "Net Income": "19,789", "Comprehensive Net Income": "18,547", "BaseVar": "1,404,987", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "19%"}}, "2015": {"input_variables": {"Assets and Securities": "200,821", "Cash Deposits and Cash Equivalents": "105,277", "Deposits": "1,248,950", "Fees": "0", "Goodwill": "15,968", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,091,007", "Loans and Leases Receivable": "1,279,318", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "67,702", "Other Compr. Net Income": "-674", "Other Expenses": "8,421", "Other Liabilities": "-916,682", "Other Net Income": "37,554", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "22,227"}, "output_variables": {"Liabilities": "1,423,275", "Assets": "1,691,313", "Expenses": "8,421", "Revenues": "0", "Stockholders Equity": "268,038", "Net Income": "29,133", "Comprehensive Net Income": "28,459", "BaseVar": "1,641,962", "ECR before LimitedLiability": "20%", "Economic Capital Ratio": "20%"}}, "2016": {"input_variables": {"Assets and Securities": "48,121", "Cash Deposits and Cash Equivalents": "114,514", "Deposits": "2,015,785", "Fees": "0", "Goodwill": "28,810", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,666,407", "Loans and Leases Receivable": "2,012,219", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "391,943", "Other Compr. Net Income": "-553", "Other Expenses": "12,809", "Other Liabilities": "-1,330,470", "Other Net Income": "33,509", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "45,460"}, "output_variables": {"Liabilities": "2,351,722", "Assets": "2,641,067", "Expenses": "12,809", "Revenues": "0", "Stockholders Equity": "289,345", "Net Income": "20,700", "Comprehensive Net Income": "20,147", "BaseVar": "2,581,465", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2017": {"input_variables": {"Assets and Securities": "32,109", "Cash Deposits and Cash Equivalents": "134,129", "Deposits": "2,621,348", "Fees": "0", "Goodwill": "44,126", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,079,171", "Loans and Leases Receivable": "2,792,108", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "433,700", "Other Compr. Net Income": "-377", "Other Expenses": "27,598", "Other Liabilities": "-1,593,184", "Other Net Income": "63,593", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "62,861"}, "output_variables": {"Liabilities": "3,107,335", "Assets": "3,499,033", "Expenses": "27,598", "Revenues": "0", "Stockholders Equity": "391,698", "Net Income": "35,995", "Comprehensive Net Income": "35,618", "BaseVar": "3,469,382", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2018": {"input_variables": {"Assets and Securities": "378,371", "Cash Deposits and Cash Equivalents": "234,939", "Deposits": "3,450,349", "Fees": "10,068", "Goodwill": "158,743", "IT and Equipment Expense": "18,270", "Labor Expense": "90,212", "Liabilities and Borrowings": "2,776,148", "Loans and Leases Receivable": "3,583,179", "Long-term Debt": "0", "Occupancy": "14,023", "Other Assets": "121,155", "Other Compr. Net Income": "-532", "Other Expenses": "27,125", "Other Liabilities": "-2,303,325", "Other Net Income": "981,761", "Other Noninterest Expense": "22,826", "Other Revenues": "2,060", "Property, Plant and Equipment": "83,392"}, "output_variables": {"Liabilities": "3,923,172", "Assets": "4,559,779", "Expenses": "182,524", "Revenues": "2,060", "Stockholders Equity": "636,607", "Net Income": "801,298", "Comprehensive Net Income": "800,765", "BaseVar": "6,359,358", "ECR before LimitedLiability": "80%", "Economic Capital Ratio": "80%"}}, "2019": {"input_variables": {"Assets and Securities": "325,892", "Cash Deposits and Cash Equivalents": "197,880", "Deposits": "3,789,906", "Fees": "8,077", "Goodwill": "158,743", "IT and Equipment Expense": "21,446", "Labor Expense": "120,448", "Liabilities and Borrowings": "3,055,085", "Loans and Leases Receivable": "4,168,155", "Long-term Debt": "0", "Occupancy": "19,960", "Other Assets": "113,032", "Other Compr. Net Income": "763", "Other Expenses": "33,534", "Other Liabilities": "-2,421,284", "Other Net Income": "277,676", "Other Noninterest Expense": "31,679", "Other Revenues": "22,633", "Property, Plant and Equipment": "96,595"}, "output_variables": {"Liabilities": "4,423,707", "Assets": "5,060,297", "Expenses": "235,144", "Revenues": "22,633", "Stockholders Equity": "636,590", "Net Income": "65,165", "Comprehensive Net Income": "65,928", "BaseVar": "5,715,234", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}}, "top_rated": false, "trend": -52.0, "value": 0.13362046971919964, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001539638.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001539638.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001539638.svg"}, {"company_id": "0001412665", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001412665.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 91, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 Other Liabilities, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Midwestone Financial Group 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 13%, being 1.9% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001412665_2020_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"}, "2013": {"Goodwill": "-0.803", "Assets": "-0.115", "Deposits": "-4.44", "Stockholders Equity": "-0.130", "Net Income": "0.601", "ECR before LimitedLiability": "-0.109", "Loans and Leases Receivable": "2.85", "Cash Deposits and Cash Equivalents": "-2.29", "Assets and Securities": "-3.87", "Other Assets": "3.48", "Other Noninterest Expense": "0.0519", "Expenses": "0.380", "Labor Expense": "0.261", "Other Revenues": "-0.152", "Revenues": "-0.152", "Other Liabilities": "-23.5", "Long-term Debt": "0.839", "Liabilities and Borrowings": "10.1", "Other Net Income": "0.375", "Other Compr. Net Income": "-0.589", "Economic Capital Ratio": "-0.257"}, "2014": {"Deposits": "-3.72", "Liabilities": "-0.239", "ECR before LimitedLiability": "0.630", "Other Liabilities": "-24.4", "Liabilities and Borrowings": "13.1", "Long-term Debt": "1.29", "Expenses": "0.499", "Net Income": "0.465", "Labor Expense": "0.326", "Other Revenues": "-0.295", "Revenues": "-0.295", "Comprehensive Net Income": "0.734", "Other Net Income": "0.260", "Other Compr. Net Income": "0.270", "Cash Deposits and Cash Equivalents": "-2.07", "Economic Capital Ratio": "0.595", "Property, Plant and Equipment": "0.423", "Other Assets": "5.07", "Assets and Securities": "-3.80", "Goodwill": "-0.857", "Loans and Leases Receivable": "1.48"}, "2015": {"Deposits": "-8.88", "Liabilities": "-1.10", "Stockholders Equity": "-0.327", "ECR before LimitedLiability": "-0.665", "Long-term Debt": "1.12", "Other Liabilities": "-21.6", "Liabilities and Borrowings": "11.0", "Loans and Leases Receivable": "6.67", "Assets": "0.634", "Assets and Securities": "-3.52", "Property, Plant and Equipment": "0.788", "Cash Deposits and Cash Equivalents": "-1.74", "Goodwill": "0.742", "Other Assets": "-3.33", "Expenses": "0.921", "Other Expenses": "0.438", "Labor Expense": "0.272", "Other Revenues": "-0.316", "Revenues": "-0.316", "Economic Capital Ratio": "-0.706", "Other Net Income": "-0.857"}, "2016": {"Liabilities and Borrowings": "10.1", "Liabilities": "-1.87", "ECR before LimitedLiability": "-1.66", "Deposits": "-6.18", "Other Liabilities": "-25.9", "Long-term Debt": "0.777", "Assets and Securities": "-4.35", "Assets": "1.20", "Property, Plant and Equipment": "0.699", "Other Assets": "0.795", "Goodwill": "0.524", "Loans and Leases Receivable": "4.79", "Cash Deposits and Cash Equivalents": "-2.02", "Other Expenses": "0.718", "Expenses": "1.36", "Net Income": "-1.04", "Other Revenues": "-0.479", "Revenues": "-0.479", "Comprehensive Net Income": "-1.00", "Other Net Income": "-2.00", "Economic Capital Ratio": "-1.70"}, "2017": {"Other Liabilities": "-26.0", "Liabilities": "-1.88", "ECR before LimitedLiability": "-1.57", "Liabilities and Borrowings": "10.7", "Long-term Debt": "0.725", "Deposits": "-5.84", "Loans and Leases Receivable": "4.63", "Assets": "1.44", "Cash Deposits and Cash Equivalents": "-1.79", "Assets and Securities": "-3.98", "Other Assets": "1.11", "Property, Plant and Equipment": "0.662", "Expenses": "1.47", "Net Income": "-1.05", "Other Expenses": "0.679", "Labor Expense": "0.517", "Other Revenues": "-0.526", "Revenues": "-0.526", "Comprehensive Net Income": "-1.13", "Other Net Income": "-2.06", "Economic Capital Ratio": "-1.62"}, "2018": {"Other Liabilities": "12.0", "Liabilities": "-3.52", "ECR before LimitedLiability": "-0.713", "Long-term Debt": "0.643", "Liabilities and Borrowings": "-38.6", "Deposits": "-5.26", "Property, Plant and Equipment": "0.710", "Assets": "2.83", "Expenses": "3.65", "Revenues": "-0.770", "Assets and Securities": "1.70", "Other Assets": "-5.80", "Loans and Leases Receivable": "7.36", "Cash Deposits and Cash Equivalents": "-2.15", "Labor Expense": "2.00", "Occupancy": "0.342", "Other Noninterest Expense": "0.479", "Other Expenses": "0.539", "Other Revenues": "-0.770", "Economic Capital Ratio": "-0.799", "Other Net Income": "-3.40"}, "2019": {"Long-term Debt": "-3.93", "Liabilities": "-4.32", "ECR before LimitedLiability": "-1.88", "Deposits": "-6.45", "Other Liabilities": "13.3", "Liabilities and Borrowings": "-37.5", "Loans and Leases Receivable": "7.23", "Assets": "3.29", "Other Assets": "-7.33", "Property, Plant and Equipment": "-0.933", "Cash Deposits and Cash Equivalents": "-2.20", "Assets and Securities": "5.99", "Expenses": "4.25", "Net Income": "-0.739", "Other Expenses": "1.14", "Labor Expense": "2.04", "Other Revenues": "-0.822", "Revenues": "-0.822", "Comprehensive Net Income": "-0.777", "Other Net Income": "-4.34", "Economic Capital Ratio": "-1.91"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "14,560", "Cash Deposits and Cash Equivalents": "24,890", "Deposits": "1,374,942", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "8,997", "Loans and Leases Receivable": "1,072,233", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "615,853", "Other Compr. Net Income": "-10,001", "Other Expenses": "6,646", "Other Liabilities": "193,263", "Other Net Income": "25,253", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "27,682"}, "output_variables": {"Liabilities": "1,577,202", "Assets": "1,755,218", "Expenses": "6,646", "Revenues": "0", "Stockholders Equity": "178,016", "Net Income": "18,607", "Comprehensive Net Income": "8,606", "BaseVar": "1,742,258", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2014": {"input_variables": {"Assets and Securities": "14,075", "Cash Deposits and Cash Equivalents": "23,409", "Deposits": "1,408,542", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "8,080", "Loans and Leases Receivable": "1,116,156", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "608,892", "Other Compr. Net Income": "4,273", "Other Expenses": "7,031", "Other Liabilities": "190,949", "Other Net Income": "25,553", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "37,770"}, "output_variables": {"Liabilities": "1,607,571", "Assets": "1,800,302", "Expenses": "7,031", "Revenues": "0", "Stockholders Equity": "192,731", "Net Income": "18,522", "Comprehensive Net Income": "22,795", "BaseVar": "1,770,832", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2015": {"input_variables": {"Assets and Securities": "21,809", "Cash Deposits and Cash Equivalents": "47,097", "Deposits": "2,463,521", "Fees": "0", "Goodwill": "64,548", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "11,587", "Loans and Leases Receivable": "2,132,515", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "637,804", "Other Compr. Net Income": "2,006", "Other Expenses": "8,090", "Other Liabilities": "208,689", "Other Net Income": "34,204", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "76,202"}, "output_variables": {"Liabilities": "2,683,797", "Assets": "2,979,975", "Expenses": "8,090", "Revenues": "0", "Stockholders Equity": "296,178", "Net Income": "26,115", "Comprehensive Net Income": "28,121", "BaseVar": "2,912,291", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2016": {"input_variables": {"Assets and Securities": "18,313", "Cash Deposits and Cash Equivalents": "43,228", "Deposits": "2,480,448", "Fees": "0", "Goodwill": "64,654", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "12,956", "Loans and Leases Receivable": "2,143,293", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "735,044", "Other Compr. Net Income": "-3,200", "Other Expenses": "6,580", "Other Liabilities": "280,715", "Other Net Income": "26,913", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "75,043"}, "output_variables": {"Liabilities": "2,774,119", "Assets": "3,079,575", "Expenses": "6,580", "Revenues": "0", "Stockholders Equity": "305,456", "Net Income": "20,333", "Comprehensive Net Income": "17,133", "BaseVar": "2,993,446", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2017": {"input_variables": {"Assets and Securities": "22,761", "Cash Deposits and Cash Equivalents": "50,972", "Deposits": "2,605,319", "Fees": "0", "Goodwill": "64,654", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "11,499", "Loans and Leases Receivable": "2,258,636", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "739,279", "Other Compr. Net Income": "-2,840", "Other Expenses": "10,829", "Other Liabilities": "255,149", "Other Net Income": "29,142", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "75,969"}, "output_variables": {"Liabilities": "2,871,967", "Assets": "3,212,271", "Expenses": "10,829", "Revenues": "0", "Stockholders Equity": "340,304", "Net Income": "18,313", "Comprehensive Net Income": "15,472", "BaseVar": "3,119,821", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "11%"}}, "2018": {"input_variables": {"Assets and Securities": "442,468", "Cash Deposits and Cash Equivalents": "45,480", "Deposits": "2,612,929", "Fees": "0", "Goodwill": "64,654", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,189,374", "Loans and Leases Receivable": "2,369,472", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "293,633", "Other Compr. Net Income": "-1,974", "Other Expenses": "7,949", "Other Liabilities": "-1,867,890", "Other Net Income": "38,562", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "75,773"}, "output_variables": {"Liabilities": "2,934,413", "Assets": "3,291,480", "Expenses": "7,949", "Revenues": "0", "Stockholders Equity": "357,067", "Net Income": "30,613", "Comprehensive Net Income": "28,640", "BaseVar": "3,200,946", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2019": {"input_variables": {"Assets and Securities": "933,937", "Cash Deposits and Cash Equivalents": "73,484", "Deposits": "3,728,655", "Fees": "0", "Goodwill": "91,918", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,111,373", "Loans and Leases Receivable": "3,422,187", "Long-term Debt": "231,660", "Occupancy": "0", "Other Assets": "132,047", "Other Compr. Net Income": "2,655", "Other Expenses": "6,633", "Other Liabilities": "-2,927,097", "Other Net Income": "53,617", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "0"}, "output_variables": {"Liabilities": "4,144,591", "Assets": "4,653,573", "Expenses": "6,633", "Revenues": "0", "Stockholders Equity": "508,982", "Net Income": "46,983", "Comprehensive Net Income": "49,638", "BaseVar": "4,513,253", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": -17.0, "value": 0.13345861747065302, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001412665.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001412665.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001412665.svg"}, {"company_id": "0001641601", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001641601.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001641601.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001641601.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001641601_256x256.png", "name": "River Financial Corp", "rank": 92, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001641601.svg", "report_text": "The relative strengths and weaknesses of River 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 River Financial Corp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 13% points.The greatest weakness of River 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 13%, being 1.9% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001641601_2020_River_Financial_Corp.pdf", "shrinked_graph_json": {"2018": {"Other Liabilities": "11.2", "Liabilities": "-3.89", "Assets": "2.78", "ECR before LimitedLiability": "-1.59", "Long-term Debt": "0.627", "Liabilities and Borrowings": "-31.8", "Deposits": "-9.57", "Property, Plant and Equipment": "0.848", "Assets and Securities": "-7.58", "Other Assets": "5.30", "Loans and Leases Receivable": "3.60", "Labor Expense": "1.95", "Expenses": "3.54", "Net Income": "-0.754", "Other Noninterest Expense": "0.470", "Other Expenses": "0.560", "Other Revenues": "-0.759", "Revenues": "-0.759", "Comprehensive Net Income": "-0.653", "Other Net Income": "-3.89", "Economic Capital Ratio": "-1.67"}, "2019": {"Long-term Debt": "0.557", "Liabilities": "-4.02", "ECR before LimitedLiability": "-1.92", "Deposits": "-11.9", "Other Liabilities": "13.3", "Liabilities and Borrowings": "-31.7", "Loans and Leases Receivable": "2.06", "Assets": "2.90", "Other Assets": "8.19", "Property, Plant and Equipment": "0.768", "Cash Deposits and Cash Equivalents": "-0.947", "Assets and Securities": "-7.84", "Expenses": "3.87", "Net Income": "-1.23", "Other Expenses": "0.716", "Labor Expense": "2.05", "Other Revenues": "-0.826", "Revenues": "-0.826", "Comprehensive Net Income": "-0.704", "Other Net Income": "-4.42", "Economic Capital Ratio": "-1.95"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001641601_strength_weakness.svg", "table_records": {"2018": {"input_variables": {"Assets and Securities": "4,654", "Cash Deposits and Cash Equivalents": "47,507", "Deposits": "898,707", "Fees": "0", "Goodwill": "18,293", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "657,433", "Loans and Leases Receivable": "704,685", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "268,498", "Other Compr. Net Income": "-1,051", "Other Expenses": "2,383", "Other Liabilities": "-597,152", "Other Net Income": "10,889", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "26,827"}, "output_variables": {"Liabilities": "958,988", "Assets": "1,070,464", "Expenses": "2,383", "Revenues": "0", "Stockholders Equity": "111,476", "Net Income": "8,506", "Comprehensive Net Income": "7,455", "BaseVar": "1,040,722", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2019": {"input_variables": {"Assets and Securities": "8,024", "Cash Deposits and Cash Equivalents": "45,455", "Deposits": "1,174,299", "Fees": "0", "Goodwill": "27,817", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "852,841", "Loans and Leases Receivable": "903,390", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "347,696", "Other Compr. Net Income": "4,978", "Other Expenses": "3,470", "Other Liabilities": "-810,233", "Other Net Income": "14,584", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "31,554"}, "output_variables": {"Liabilities": "1,216,907", "Assets": "1,363,936", "Expenses": "3,470", "Revenues": "0", "Stockholders Equity": "147,029", "Net Income": "11,114", "Comprehensive Net Income": "16,092", "BaseVar": "1,332,225", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": -5.0, "value": 0.13308987608290967, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001641601.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001641601.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001641601.svg"}, {"company_id": "0001693577", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001693577.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001693577.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001693577.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001693577_256x256.png", "name": "Mainstreet Bancshares Inc", "rank": 93, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001693577.svg", "report_text": "The relative strengths and weaknesses of Mainstreet 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 Mainstreet Bancshares Inc compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Mainstreet Bancshares 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 13%, being 2.1% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001693577_2020_Mainstreet_Bancshares_Inc.pdf", "shrinked_graph_json": {"2019": {"Long-term Debt": "0.556", "Liabilities": "-4.06", "Assets": "2.89", "Stockholders Equity": "-0.481", "ECR before LimitedLiability": "-2.06", "Deposits": "-9.70", "Other Liabilities": "-21.8", "Liabilities and Borrowings": "12.8", "Loans and Leases Receivable": "11.0", "Other Assets": "-0.924", "Goodwill": "-1.21", "Assets and Securities": "-7.51", "Expenses": "3.83", "Revenues": "-0.825", "Comprehensive Net Income": "-0.802", "Other Expenses": "0.684", "Labor Expense": "2.04", "Other Revenues": "-0.825", "Other Compr. Net Income": "-0.629", "Other Net Income": "-3.32", "Economic Capital Ratio": "-2.09"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001693577_strength_weakness.svg", "table_records": {"2019": {"input_variables": {"Assets and Securities": "13,885", "Cash Deposits and Cash Equivalents": "64,844", "Deposits": "1,071,623", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "67,603", "Loans and Leases Receivable": "1,030,425", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "154,051", "Other Compr. Net Income": "790", "Other Expenses": "3,354", "Other Liabilities": "1,098", "Other Net Income": "17,304", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "14,153"}, "output_variables": {"Liabilities": "1,140,324", "Assets": "1,277,358", "Expenses": "3,354", "Revenues": "0", "Stockholders Equity": "137,034", "Net Income": "13,950", "Comprehensive Net Income": "14,740", "BaseVar": "1,247,769", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": null, "value": 0.13165058623753806, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001693577.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001693577.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001693577.svg"}, {"company_id": "0000723646", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000723646.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 94, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 13% points.The greatest weakness of Franklin Financial Services CORP PA 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 13%, being 2.1% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000723646_2020_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"}, "2013": {"Long-term Debt": "0.813", "Liabilities": "-2.19", "Assets": "1.54", "Stockholders Equity": "-0.289", "ECR before LimitedLiability": "-0.201", "Liabilities and Borrowings": "10.0", "Other Liabilities": "-15.2", "Deposits": "-13.3", "Loans and Leases Receivable": "8.77", "Cash Deposits and Cash Equivalents": "-0.241", "Assets and Securities": "-3.57", "Other Assets": "-6.65", "Expenses": "1.19", "Revenues": "-0.148", "Net Income": "-0.860", "Other Expenses": "0.811", "Labor Expense": "0.253", "Other Revenues": "-0.148", "Comprehensive Net Income": "0.339", "Other Net Income": "-1.98", "Other Compr. Net Income": "1.16", "Economic Capital Ratio": "-0.348"}, "2014": {"Deposits": "-13.9", "Liabilities": "-1.34", "Assets": "0.893", "Stockholders Equity": "-0.259", "ECR before LimitedLiability": "-0.707", "Other Liabilities": "-13.5", "Liabilities and Borrowings": "11.9", "Long-term Debt": "1.24", "Cash Deposits and Cash Equivalents": "0.551", "Other Assets": "-4.58", "Assets and Securities": "-3.73", "Loans and Leases Receivable": "7.93", "Expenses": "1.18", "Revenues": "-0.289", "Net Income": "-0.221", "Other Expenses": "0.666", "Labor Expense": "0.318", "Other Revenues": "-0.289", "Comprehensive Net Income": "-0.242", "Other Net Income": "-1.13", "Economic Capital Ratio": "-0.742"}, "2015": {"Deposits": "-15.4", "Liabilities": "-0.662", "Assets": "0.882", "Stockholders Equity": "0.348", "ECR before LimitedLiability": "0.582", "Long-term Debt": "1.16", "Other Liabilities": "-14.3", "Liabilities and Borrowings": "12.2", "Loans and Leases Receivable": "9.01", "Assets and Securities": "-3.61", "Goodwill": "-0.196", "Other Assets": "-5.14", "Expenses": "1.10", "Revenues": "-0.322", "Net Income": "0.311", "Other Expenses": "0.607", "Labor Expense": "0.278", "Other Revenues": "-0.322", "Comprehensive Net Income": "0.370", "Other Net Income": "-0.479", "Economic Capital Ratio": "0.541"}, "2016": {"Liabilities and Borrowings": "11.0", "Liabilities": "-2.10", "Assets": "1.72", "ECR before LimitedLiability": "-0.741", "Deposits": "-13.2", "Other Liabilities": "-18.3", "Long-term Debt": "0.804", "Assets and Securities": "-4.42", "Other Assets": "-4.80", "Loans and Leases Receivable": "9.31", "Cash Deposits and Cash Equivalents": "-0.673", "Other Expenses": "1.12", "Expenses": "1.77", "Net Income": "-0.831", "Labor Expense": "0.429", "Other Revenues": "-0.488", "Revenues": "-0.488", "Other Compr. Net Income": "0.413", "Comprehensive Net Income": "-0.411", "Other Net Income": "-2.20", "Economic Capital Ratio": "-0.784"}, "2017": {"Other Liabilities": "-16.5", "Liabilities": "-2.66", "Stockholders Equity": "-0.698", "Liabilities and Borrowings": "8.58", "Long-term Debt": "0.632", "Deposits": "-13.1", "Loans and Leases Receivable": "7.55", "Assets": "1.47", "ECR before LimitedLiability": "-3.76", "Cash Deposits and Cash Equivalents": "0.609", "Assets and Securities": "-3.93", "Other Assets": "-5.54", "Goodwill": "-0.525", "Expenses": "1.34", "Revenues": "-0.477", "Net Income": "-2.38", "Other Expenses": "0.663", "Other Revenues": "-0.477", "Comprehensive Net Income": "-2.60", "Other Net Income": "-3.45", "Economic Capital Ratio": "-3.81"}, "2019": {"Long-term Debt": "0.556", "Liabilities": "-4.29", "Stockholders Equity": "-1.07", "ECR before LimitedLiability": "-2.10", "Deposits": "-14.1", "Other Liabilities": "-22.2", "Liabilities and Borrowings": "13.1", "Loans and Leases Receivable": "6.27", "Assets": "2.53", "Other Assets": "-6.95", "Goodwill": "-0.696", "Cash Deposits and Cash Equivalents": "1.45", "Assets and Securities": "2.63", "Expenses": "3.96", "Other Expenses": "0.824", "Labor Expense": "2.04", "Other Revenues": "-0.826", "Revenues": "-0.826", "Economic Capital Ratio": "-2.13", "Other Compr. Net Income": "-0.748", "Other Net Income": "-2.81"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "10,660", "Cash Deposits and Cash Equivalents": "40,745", "Deposits": "845,724", "Fees": "0", "Goodwill": "9,016", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "7,238", "Loans and Leases Receivable": "713,711", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "194,310", "Other Compr. Net Income": "-646", "Other Expenses": "1,295", "Other Liabilities": "36,237", "Other Net Income": "7,527", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "16,145"}, "output_variables": {"Liabilities": "889,199", "Assets": "984,587", "Expenses": "1,295", "Revenues": "0", "Stockholders Equity": "95,388", "Net Income": "6,232", "Comprehensive Net Income": "5,586", "BaseVar": "954,077", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2014": {"input_variables": {"Assets and Securities": "8,522", "Cash Deposits and Cash Equivalents": "48,593", "Deposits": "881,181", "Fees": "0", "Goodwill": "9,016", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "7,667", "Loans and Leases Receivable": "717,420", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "202,851", "Other Compr. Net Income": "-644", "Other Expenses": "4,282", "Other Liabilities": "9,079", "Other Net Income": "10,169", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "15,046"}, "output_variables": {"Liabilities": "897,927", "Assets": "1,001,448", "Expenses": "4,282", "Revenues": "0", "Stockholders Equity": "103,521", "Net Income": "5,887", "Comprehensive Net Income": "5,243", "BaseVar": "977,085", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2015": {"input_variables": {"Assets and Securities": "6,135", "Cash Deposits and Cash Equivalents": "39,166", "Deposits": "918,512", "Fees": "0", "Goodwill": "9,016", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,407", "Loans and Leases Receivable": "771,930", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "194,289", "Other Compr. Net Income": "1,594", "Other Expenses": "2,732", "Other Liabilities": "0", "Other Net Income": "12,516", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "14,759"}, "output_variables": {"Liabilities": "923,919", "Assets": "1,035,295", "Expenses": "2,732", "Revenues": "0", "Stockholders Equity": "111,376", "Net Income": "9,784", "Comprehensive Net Income": "11,378", "BaseVar": "1,010,175", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2016": {"input_variables": {"Assets and Securities": "5,506", "Cash Deposits and Cash Equivalents": "36,665", "Deposits": "982,120", "Fees": "0", "Goodwill": "9,016", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,560", "Loans and Leases Receivable": "882,798", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "179,400", "Other Compr. Net Income": "-558", "Other Expenses": "538", "Other Liabilities": "24,270", "Other Net Income": "9,616", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "14,058"}, "output_variables": {"Liabilities": "1,010,950", "Assets": "1,127,443", "Expenses": "538", "Revenues": "0", "Stockholders Equity": "116,493", "Net Income": "9,078", "Comprehensive Net Income": "8,520", "BaseVar": "1,088,640", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2017": {"input_variables": {"Assets and Securities": "6,930", "Cash Deposits and Cash Equivalents": "58,603", "Deposits": "1,047,181", "Fees": "0", "Goodwill": "9,016", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "17,488", "Loans and Leases Receivable": "931,908", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "159,615", "Other Compr. Net Income": "-654", "Other Expenses": "2,503", "Other Liabilities": "0", "Other Net Income": "5,419", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "13,741"}, "output_variables": {"Liabilities": "1,064,669", "Assets": "1,179,813", "Expenses": "2,503", "Revenues": "0", "Stockholders Equity": "115,144", "Net Income": "2,916", "Comprehensive Net Income": "2,261", "BaseVar": "1,137,806", "ECR before LimitedLiability": "8.6%", "Economic Capital Ratio": "8.9%"}}, "2019": {"input_variables": {"Assets and Securities": "195,285", "Cash Deposits and Cash Equivalents": "83,828", "Deposits": "1,125,392", "Fees": "0", "Goodwill": "9,016", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "11,076", "Loans and Leases Receivable": "922,609", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "44,568", "Other Compr. Net Income": "-217", "Other Expenses": "3,000", "Other Liabilities": "5,161", "Other Net Income": "19,976", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "13,851"}, "output_variables": {"Liabilities": "1,141,629", "Assets": "1,269,157", "Expenses": "3,000", "Revenues": "0", "Stockholders Equity": "127,528", "Net Income": "16,976", "Comprehensive Net Income": "16,759", "BaseVar": "1,247,489", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": null, "value": 0.13128487991689156, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000723646.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000723646.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000723646.svg"}, {"company_id": "0001746129", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001746129.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001746129.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001746129.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001746129_256x256.png", "name": "Bank7 Corp", "rank": 95, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001746129.svg", "report_text": "The relative strengths and weaknesses of Bank7 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 Bank7 Corp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Bank7 Corp is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 31% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 13%, being 2.1% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001746129_2020_Bank7_Corp.pdf", "shrinked_graph_json": {"2018": {"Labor Expense": "2.16", "Expenses": "4.58", "Net Income": "8.52", "Other Noninterest Expense": "0.508", "Other Expenses": "1.09", "Other Revenues": "-0.810", "Revenues": "-0.810", "Comprehensive Net Income": "9.01", "Other Net Income": "4.75", "ECR before LimitedLiability": "9.12", "Other Compr. Net Income": "0.498", "Long-term Debt": "0.723", "Economic Capital Ratio": "9.03", "Loans and Leases Receivable": "10.7", "Cash Deposits and Cash Equivalents": "12.3", "Other Liabilities": "21.7", "Other Assets": "-10.5", "Assets and Securities": "-7.60", "Liabilities and Borrowings": "-33.0", "Goodwill": "-1.18", "Deposits": "-11.6"}, "2019": {"Liabilities": "-2.41", "ECR before LimitedLiability": "-2.12", "Deposits": "-12.4", "Other Liabilities": "13.1", "Liabilities and Borrowings": "-30.8", "Loans and Leases Receivable": "10.9", "Assets": "2.08", "Other Assets": "-8.71", "Goodwill": "-1.23", "Cash Deposits and Cash Equivalents": "8.25", "Assets and Securities": "-8.36", "Expenses": "1.99", "Net Income": "-0.771", "Other Expenses": "-1.31", "Labor Expense": "2.07", "Other Revenues": "-0.838", "Revenues": "-0.838", "Comprehensive Net Income": "-1.65", "Other Compr. Net Income": "-0.878", "Other Net Income": "-1.95", "Economic Capital Ratio": "-2.14"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001746129_strength_weakness.svg", "table_records": {"2018": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "159,849", "Deposits": "675,903", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "474,744", "Loans and Leases Receivable": "592,590", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "10,319", "Other Compr. Net Income": "0", "Other Expenses": "797", "Other Liabilities": "-468,602", "Other Net Income": "25,797", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "7,753"}, "output_variables": {"Liabilities": "682,045", "Assets": "770,511", "Expenses": "797", "Revenues": "0", "Stockholders Equity": "88,466", "Net Income": "25,000", "Comprehensive Net Income": "25,000", "BaseVar": "774,546", "ECR before LimitedLiability": "22%", "Economic Capital Ratio": "22%"}}, "2019": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "147,275", "Deposits": "757,483", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "538,262", "Loans and Leases Receivable": "700,489", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "9,004", "Other Compr. Net Income": "0", "Other Expenses": "6,844", "Other Liabilities": "-529,479", "Other Net Income": "15,069", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "9,624"}, "output_variables": {"Liabilities": "766,266", "Assets": "866,392", "Expenses": "6,844", "Revenues": "0", "Stockholders Equity": "100,126", "Net Income": "8,225", "Comprehensive Net Income": "8,225", "BaseVar": "856,101", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": -93.0, "value": 0.13112360649624527, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001746129.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001746129.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001746129.svg"}, {"company_id": "0001602658", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001602658.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001602658.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001602658.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001602658_256x256.png", "name": "Investar Holding Corp", "rank": 96, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001602658.svg", "report_text": "The relative strengths and weaknesses of Investar Holding 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 Investar Holding Corp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Investar Holding 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 13%, being 2.2% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001602658_2020_Investar_Holding_Corp.pdf", "shrinked_graph_json": {"2014": {"Deposits": "0.658", "Liabilities": "-1.35", "Stockholders Equity": "1.01", "ECR before LimitedLiability": "-0.730", "Other Liabilities": "12.2", "Liabilities and Borrowings": "-41.0", "Long-term Debt": "1.23", "Cash Deposits and Cash Equivalents": "-1.34", "Assets": "2.07", "Other Assets": "-1.87", "Property, Plant and Equipment": "1.30", "Assets and Securities": "-4.10", "Goodwill": "-0.616", "Loans and Leases Receivable": "7.74", "Expenses": "1.42", "Net Income": "-1.03", "Other Expenses": "0.911", "Other Compr. Net Income": "-0.413", "Comprehensive Net Income": "-1.44", "Other Net Income": "-2.19", "Economic Capital Ratio": "-0.764"}, "2015": {"Deposits": "0.983", "Liabilities": "-0.778", "ECR before LimitedLiability": "-0.734", "Long-term Debt": "1.11", "Other Liabilities": "11.0", "Liabilities and Borrowings": "-35.1", "Loans and Leases Receivable": "6.86", "Assets": "0.864", "Assets and Securities": "-3.63", "Property, Plant and Equipment": "1.09", "Cash Deposits and Cash Equivalents": "-1.41", "Goodwill": "-0.829", "Other Assets": "-2.30", "Expenses": "0.634", "Net Income": "-0.810", "Labor Expense": "0.271", "Other Revenues": "-0.315", "Revenues": "-0.315", "Comprehensive Net Income": "-0.811", "Other Net Income": "-1.14", "Economic Capital Ratio": "-0.775"}, "2016": {"Liabilities and Borrowings": "-41.8", "Liabilities": "-1.72", "Stockholders Equity": "-0.569", "ECR before LimitedLiability": "-1.66", "Deposits": "-3.87", "Other Liabilities": "10.1", "Long-term Debt": "0.780", "Assets and Securities": "-4.65", "Assets": "0.917", "Property, Plant and Equipment": "0.903", "Other Assets": "-3.44", "Goodwill": "-0.976", "Loans and Leases Receivable": "8.05", "Cash Deposits and Cash Equivalents": "-1.21", "Expenses": "1.07", "Net Income": "-0.987", "Other Revenues": "-0.480", "Revenues": "-0.480", "Comprehensive Net Income": "-0.852", "Other Net Income": "-1.62", "Economic Capital Ratio": "-1.70"}, "2017": {"Other Liabilities": "10.8", "Liabilities": "-2.14", "ECR before LimitedLiability": "-1.58", "Liabilities and Borrowings": "-34.2", "Long-term Debt": "0.722", "Deposits": "-1.06", "Loans and Leases Receivable": "8.56", "Assets": "1.72", "Cash Deposits and Cash Equivalents": "-1.57", "Assets and Securities": "-4.23", "Other Assets": "-2.18", "Property, Plant and Equipment": "0.629", "Goodwill": "-1.12", "Expenses": "1.67", "Net Income": "-1.32", "Other Expenses": "0.891", "Other Revenues": "-0.524", "Revenues": "-0.524", "Comprehensive Net Income": "-1.17", "Other Net Income": "-2.56", "Economic Capital Ratio": "-1.63"}, "2018": {"Other Liabilities": "10.9", "Liabilities": "-4.10", "ECR before LimitedLiability": "-1.83", "Liabilities and Borrowings": "-35.0", "Deposits": "-2.37", "Property, Plant and Equipment": "0.661", "Assets": "2.78", "Assets and Securities": "-7.67", "Other Assets": "1.17", "Loans and Leases Receivable": "9.37", "Goodwill": "-1.19", "Cash Deposits and Cash Equivalents": "-2.44", "Labor Expense": "1.92", "Expenses": "3.54", "Net Income": "-0.871", "Other Expenses": "0.625", "Other Revenues": "-0.754", "Revenues": "-0.754", "Comprehensive Net Income": "-0.719", "Other Net Income": "-4.07", "Economic Capital Ratio": "-1.92"}, "2019": {"Liabilities": "-4.20", "ECR before LimitedLiability": "-2.13", "Deposits": "-5.99", "Other Liabilities": "13.1", "Liabilities and Borrowings": "-32.8", "Loans and Leases Receivable": "10.2", "Assets": "3.45", "Other Assets": "-4.31", "Goodwill": "-1.21", "Property, Plant and Equipment": "-0.933", "Cash Deposits and Cash Equivalents": "-1.84", "Assets and Securities": "0.563", "Expenses": "4.05", "Net Income": "-1.32", "Other Expenses": "0.941", "Labor Expense": "2.03", "Other Revenues": "-0.821", "Revenues": "-0.821", "Comprehensive Net Income": "-1.30", "Other Net Income": "-4.72", "Economic Capital Ratio": "-2.16"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001602658_strength_weakness.svg", "table_records": {"2014": {"input_variables": {"Assets and Securities": "2,413", "Cash Deposits and Cash Equivalents": "19,512", "Deposits": "628,118", "Fees": "0", "Goodwill": "2,684", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "557,901", "Loans and Leases Receivable": "618,160", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "208,047", "Other Compr. Net Income": "471", "Other Expenses": "1,145", "Other Liabilities": "-410,049", "Other Net Income": "6,542", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "28,538"}, "output_variables": {"Liabilities": "775,970", "Assets": "879,354", "Expenses": "1,145", "Revenues": "0", "Stockholders Equity": "103,384", "Net Income": "5,397", "Comprehensive Net Income": "5,868", "BaseVar": "842,469", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2015": {"input_variables": {"Assets and Securities": "5,877", "Cash Deposits and Cash Equivalents": "20,966", "Deposits": "737,406", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "646,959", "Loans and Leases Receivable": "739,313", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "234,769", "Other Compr. Net Income": "-784", "Other Expenses": "3,511", "Other Liabilities": "-462,160", "Other Net Income": "10,584", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "30,630"}, "output_variables": {"Liabilities": "922,205", "Assets": "1,031,555", "Expenses": "3,511", "Revenues": "0", "Stockholders Equity": "109,350", "Net Income": "7,073", "Comprehensive Net Income": "6,289", "BaseVar": "1,003,885", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2016": {"input_variables": {"Assets and Securities": "2,325", "Cash Deposits and Cash Equivalents": "29,448", "Deposits": "907,787", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "800,383", "Loans and Leases Receivable": "886,375", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "209,090", "Other Compr. Net Income": "-1,408", "Other Expenses": "3,609", "Other Liabilities": "-661,967", "Other Net Income": "11,489", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "31,722"}, "output_variables": {"Liabilities": "1,046,203", "Assets": "1,158,960", "Expenses": "3,609", "Revenues": "0", "Stockholders Equity": "112,757", "Net Income": "7,880", "Comprehensive Net Income": "6,472", "BaseVar": "1,132,540", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2017": {"input_variables": {"Assets and Securities": "5,550", "Cash Deposits and Cash Equivalents": "30,421", "Deposits": "1,225,237", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,008,638", "Loans and Leases Receivable": "1,250,888", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "298,335", "Other Compr. Net Income": "-110", "Other Expenses": "4,731", "Other Liabilities": "-783,870", "Other Net Income": "13,439", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "37,540"}, "output_variables": {"Liabilities": "1,450,005", "Assets": "1,622,734", "Expenses": "4,731", "Revenues": "0", "Stockholders Equity": "172,729", "Net Income": "8,708", "Comprehensive Net Income": "8,598", "BaseVar": "1,569,548", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2018": {"input_variables": {"Assets and Securities": "5,165", "Cash Deposits and Cash Equivalents": "17,140", "Deposits": "1,361,731", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,144,274", "Loans and Leases Receivable": "1,391,371", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "332,564", "Other Compr. Net Income": "-244", "Other Expenses": "3,290", "Other Liabilities": "-901,798", "Other Net Income": "23,505", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "40,229"}, "output_variables": {"Liabilities": "1,604,207", "Assets": "1,786,469", "Expenses": "3,290", "Revenues": "0", "Stockholders Equity": "182,262", "Net Income": "20,214", "Comprehensive Net Income": "19,971", "BaseVar": "1,744,413", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2019": {"input_variables": {"Assets and Securities": "267,211", "Cash Deposits and Cash Equivalents": "44,695", "Deposits": "1,707,706", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,355,801", "Loans and Leases Receivable": "1,681,275", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "155,735", "Other Compr. Net Income": "-1,495", "Other Expenses": "4,327", "Other Liabilities": "-1,156,567", "Other Net Income": "26,808", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "0"}, "output_variables": {"Liabilities": "1,906,940", "Assets": "2,148,916", "Expenses": "4,327", "Revenues": "0", "Stockholders Equity": "241,976", "Net Income": "22,480", "Comprehensive Net Income": "20,985", "BaseVar": "2,087,151", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": -7.0, "value": 0.13101718111552468, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001602658.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001602658.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001602658.svg"}, {"company_id": "0000357173", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000357173.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0000357173.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000357173.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000357173_256x256.png", "name": "OLD Second Bancorp INC", "rank": 97, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0000357173.svg", "report_text": "The relative strengths and weaknesses of OLD Second 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 OLD Second Bancorp INC compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 13% points.The greatest weakness of OLD Second Bancorp INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 34% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 13%, being 2.2% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000357173_2020_OLD_Second_Bancorp_INC.pdf", "shrinked_graph_json": {"2014": {"Deposits": "-7.42", "Liabilities": "-2.11", "Stockholders Equity": "-0.928", "ECR before LimitedLiability": "-3.44", "Other Liabilities": "-20.7", "Liabilities and Borrowings": "9.42", "Long-term Debt": "1.10", "Cash Deposits and Cash Equivalents": "-1.38", "Assets": "0.905", "Other Assets": "7.41", "Property, Plant and Equipment": "0.376", "Assets and Securities": "-3.79", "Goodwill": "-0.810", "Loans and Leases Receivable": "-2.95", "Expenses": "0.805", "Net Income": "-1.45", "Other Expenses": "0.339", "Other Compr. Net Income": "-0.698", "Comprehensive Net Income": "-2.18", "Other Net Income": "-2.04", "Economic Capital Ratio": "-3.47"}, "2015": {"Deposits": "-8.81", "Liabilities": "-1.46", "Stockholders Equity": "-2.21", "Long-term Debt": "0.935", "Other Liabilities": "-21.3", "Liabilities and Borrowings": "8.21", "Loans and Leases Receivable": "-5.79", "Assets": "-0.728", "ECR before LimitedLiability": "-3.52", "Assets and Securities": "-3.31", "Cash Deposits and Cash Equivalents": "-1.40", "Goodwill": "-0.760", "Other Assets": "7.00", "Expenses": "0.293", "Net Income": "-0.597", "Other Revenues": "-0.279", "Revenues": "-0.279", "Other Compr. Net Income": "-0.520", "Comprehensive Net Income": "-1.14", "Other Net Income": "-0.618", "Economic Capital Ratio": "-3.56"}, "2016": {"Liabilities and Borrowings": "9.64", "Liabilities": "-2.26", "Assets and Securities": "-4.28", "Stockholders Equity": "-2.17", "ECR before LimitedLiability": "-2.11", "Deposits": "-7.00", "Other Liabilities": "-25.4", "Long-term Debt": "0.764", "Expenses": "0.795", "Net Income": "-0.950", "Labor Expense": "0.412", "Other Revenues": "-0.474", "Revenues": "-0.474", "Other Assets": "4.41", "Goodwill": "-0.969", "Loans and Leases Receivable": "1.31", "Cash Deposits and Cash Equivalents": "-1.53", "Comprehensive Net Income": "0.226", "Other Net Income": "-1.31", "Other Compr. Net Income": "1.12", "Economic Capital Ratio": "-2.15"}, "2017": {"Other Liabilities": "-29.2", "Liabilities": "-0.913", "Stockholders Equity": "-2.18", "ECR before LimitedLiability": "-1.50", "Liabilities and Borrowings": "10.8", "Long-term Debt": "0.745", "Deposits": "-2.85", "Loans and Leases Receivable": "1.18", "Assets": "-1.21", "Cash Deposits and Cash Equivalents": "-1.34", "Assets and Securities": "-3.93", "Other Assets": "3.72", "Goodwill": "-1.16", "Other Revenues": "-0.541", "Revenues": "-0.541", "Net Income": "-0.959", "Comprehensive Net Income": "0.643", "Other Compr. Net Income": "1.56", "Labor Expense": "0.531", "Other Expenses": "-1.01", "Economic Capital Ratio": "-1.55"}, "2018": {"Other Liabilities": "-34.9", "Liabilities": "2.73", "Stockholders Equity": "-2.77", "ECR before LimitedLiability": "-3.98", "Long-term Debt": "0.613", "Liabilities and Borrowings": "8.78", "Deposits": "2.31", "Assets": "-5.56", "Assets and Securities": "-8.10", "Other Assets": "3.56", "Loans and Leases Receivable": "1.38", "Goodwill": "-1.26", "Cash Deposits and Cash Equivalents": "-1.93", "Labor Expense": "-3.74", "Expenses": "-6.88", "Net Income": "-1.60", "Other Net Income": "3.95", "Other Noninterest Expense": "-1.24", "IT and Equipment Expense": "-1.47", "Comprehensive Net Income": "-1.89", "Economic Capital Ratio": "-4.06"}, "2019": {"Liabilities": "4.73", "Stockholders Equity": "-1.77", "ECR before LimitedLiability": "-2.13", "Deposits": "1.68", "Other Liabilities": "-34.3", "Liabilities and Borrowings": "13.1", "Loans and Leases Receivable": "0.940", "Assets": "-5.73", "Other Assets": "5.58", "Goodwill": "-1.36", "Cash Deposits and Cash Equivalents": "-2.39", "Assets and Securities": "-8.53", "Other Noninterest Expense": "-1.43", "Expenses": "-8.07", "Net Income": "-1.63", "Other Net Income": "5.85", "Other Expenses": "-0.975", "Labor Expense": "-4.47", "IT and Equipment Expense": "-1.71", "Comprehensive Net Income": "-1.35", "Economic Capital Ratio": "-2.16"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0000357173_strength_weakness.svg", "table_records": {"2014": {"input_variables": {"Assets and Securities": "13,882", "Cash Deposits and Cash Equivalents": "44,197", "Deposits": "1,685,055", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "12,655", "Loans and Leases Receivable": "1,137,695", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "823,678", "Other Compr. Net Income": "-675", "Other Expenses": "5,761", "Other Liabilities": "169,914", "Other Net Income": "15,897", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "42,335"}, "output_variables": {"Liabilities": "1,867,624", "Assets": "2,061,787", "Expenses": "5,761", "Revenues": "0", "Stockholders Equity": "194,163", "Net Income": "10,136", "Comprehensive Net Income": "9,461", "BaseVar": "2,005,240", "ECR before LimitedLiability": "9.4%", "Economic Capital Ratio": "9.5%"}}, "2015": {"input_variables": {"Assets and Securities": "17,674", "Cash Deposits and Cash Equivalents": "40,338", "Deposits": "1,759,086", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "9,900", "Loans and Leases Receivable": "1,117,492", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "862,747", "Other Compr. Net Income": "-4,946", "Other Expenses": "8,976", "Other Liabilities": "152,948", "Other Net Income": "24,361", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "39,612"}, "output_variables": {"Liabilities": "1,921,934", "Assets": "2,077,863", "Expenses": "8,976", "Revenues": "0", "Stockholders Equity": "155,929", "Net Income": "15,385", "Comprehensive Net Income": "10,439", "BaseVar": "2,069,382", "ECR before LimitedLiability": "7.9%", "Economic Capital Ratio": "8.2%"}}, "2016": {"input_variables": {"Assets and Securities": "16,333", "Cash Deposits and Cash Equivalents": "47,334", "Deposits": "1,866,785", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "11,889", "Loans and Leases Receivable": "1,462,651", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "685,893", "Other Compr. Net Income": "3,897", "Other Expenses": "8,820", "Other Liabilities": "197,304", "Other Net Income": "24,504", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "38,977"}, "output_variables": {"Liabilities": "2,075,978", "Assets": "2,251,188", "Expenses": "8,820", "Revenues": "0", "Stockholders Equity": "175,210", "Net Income": "15,684", "Comprehensive Net Income": "19,581", "BaseVar": "2,231,139", "ECR before LimitedLiability": "9.5%", "Economic Capital Ratio": "9.7%"}}, "2017": {"input_variables": {"Assets and Securities": "22,776", "Cash Deposits and Cash Equivalents": "55,833", "Deposits": "1,922,925", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "13,539", "Loans and Leases Receivable": "1,604,228", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "662,964", "Other Compr. Net Income": "12,018", "Other Expenses": "25,369", "Other Liabilities": "246,615", "Other Net Income": "41,384", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "37,628"}, "output_variables": {"Liabilities": "2,183,079", "Assets": "2,383,429", "Expenses": "25,369", "Revenues": "0", "Stockholders Equity": "200,350", "Net Income": "16,015", "Comprehensive Net Income": "28,033", "BaseVar": "2,426,225", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2018": {"input_variables": {"Assets and Securities": "23,473", "Cash Deposits and Cash Equivalents": "55,235", "Deposits": "2,116,673", "Fees": "653", "Goodwill": "0", "IT and Equipment Expense": "13,660", "Labor Expense": "44,161", "Liabilities and Borrowings": "16,894", "Loans and Leases Receivable": "1,881,005", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "673,851", "Other Compr. Net Income": "541", "Other Expenses": "16,183", "Other Liabilities": "313,355", "Other Net Income": "423,592", "Other Noninterest Expense": "13,489", "Other Revenues": "6,110", "Property, Plant and Equipment": "42,439"}, "output_variables": {"Liabilities": "2,446,922", "Assets": "2,676,003", "Expenses": "88,146", "Revenues": "6,110", "Stockholders Equity": "229,081", "Net Income": "341,557", "Comprehensive Net Income": "342,098", "BaseVar": "3,502,338", "ECR before LimitedLiability": "55%", "Economic Capital Ratio": "55%"}}, "2019": {"input_variables": {"Assets and Securities": "26,474", "Cash Deposits and Cash Equivalents": "50,632", "Deposits": "2,126,749", "Fees": "419", "Goodwill": "0", "IT and Equipment Expense": "13,925", "Labor Expense": "47,046", "Liabilities and Borrowings": "25,062", "Loans and Leases Receivable": "1,914,084", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "600,001", "Other Compr. Net Income": "194", "Other Expenses": "19,209", "Other Liabilities": "205,870", "Other Net Income": "114,629", "Other Noninterest Expense": "13,299", "Other Revenues": "6,806", "Property, Plant and Equipment": "44,354"}, "output_variables": {"Liabilities": "2,357,681", "Assets": "2,635,545", "Expenses": "93,898", "Revenues": "6,806", "Stockholders Equity": "277,864", "Net Income": "27,538", "Comprehensive Net Income": "27,732", "BaseVar": "2,887,797", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": 18.0, "value": 0.13098427743899557, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000357173.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000357173.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000357173.svg"}, {"company_id": "0001431567", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001431567.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 98, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 13% points.The greatest weakness of Oak Valley Bancorp 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 13%, being 2.2% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001431567_2020_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"}, "2013": {"Long-term Debt": "0.779", "Liabilities": "-0.371", "Stockholders Equity": "-0.524", "ECR before LimitedLiability": "-1.27", "Liabilities and Borrowings": "9.00", "Other Liabilities": "-11.6", "Deposits": "-15.2", "Goodwill": "-0.772", "Assets": "-0.161", "Loans and Leases Receivable": "2.67", "Cash Deposits and Cash Equivalents": "6.77", "Assets and Securities": "-1.93", "Other Assets": "-8.52", "Property, Plant and Equipment": "0.286", "Expenses": "0.276", "Revenues": "-0.144", "Comprehensive Net Income": "-0.708", "Labor Expense": "0.245", "Other Revenues": "-0.144", "Other Net Income": "-0.189", "Other Compr. Net Income": "-0.652", "Economic Capital Ratio": "-1.42"}, "2014": {"Deposits": "-14.0", "Liabilities": "-0.272", "Stockholders Equity": "-0.675", "Economic Capital Ratio": "0.117", "Other Liabilities": "-12.8", "Liabilities and Borrowings": "12.7", "Long-term Debt": "1.28", "Cash Deposits and Cash Equivalents": "9.96", "Assets": "-0.387", "Other Assets": "-7.57", "Property, Plant and Equipment": "0.250", "Assets and Securities": "-2.24", "Goodwill": "-0.861", "Loans and Leases Receivable": "-0.648", "Expenses": "0.184", "Revenues": "-0.295", "Comprehensive Net Income": "0.829", "Other Expenses": "-0.349", "Labor Expense": "0.326", "Other Revenues": "-0.295", "Other Net Income": "0.249", "Other Compr. Net Income": "0.692"}, "2015": {"Deposits": "-16.7", "Liabilities": "-2.11", "Stockholders Equity": "-1.21", "ECR before LimitedLiability": "-2.59", "Long-term Debt": "0.999", "Other Liabilities": "-13.7", "Liabilities and Borrowings": "9.14", "Loans and Leases Receivable": "-1.22", "Assets": "0.660", "Assets and Securities": "-1.71", "Cash Deposits and Cash Equivalents": "8.26", "Goodwill": "-0.786", "Other Assets": "-7.76", "Expenses": "0.944", "Revenues": "-0.293", "Net Income": "-1.26", "Other Expenses": "0.512", "Other Revenues": "-0.293", "Comprehensive Net Income": "-1.10", "Other Net Income": "-1.98", "Economic Capital Ratio": "-2.63"}, "2016": {"Liabilities and Borrowings": "9.01", "Liabilities": "-2.03", "Assets and Securities": "-2.28", "Stockholders Equity": "-1.76", "ECR before LimitedLiability": "-2.74", "Deposits": "-15.1", "Other Liabilities": "-15.8", "Long-term Debt": "0.732", "Other Expenses": "0.288", "Expenses": "0.905", "Revenues": "-0.460", "Net Income": "-0.678", "Labor Expense": "0.398", "Other Revenues": "-0.460", "Other Assets": "-4.90", "Goodwill": "-0.947", "Loans and Leases Receivable": "-2.00", "Cash Deposits and Cash Equivalents": "7.41", "Comprehensive Net Income": "-0.745", "Other Net Income": "-1.18", "Economic Capital Ratio": "-2.78"}, "2017": {"Other Liabilities": "-17.5", "Liabilities": "-1.45", "Stockholders Equity": "-1.79", "ECR before LimitedLiability": "-1.51", "Liabilities and Borrowings": "10.8", "Long-term Debt": "0.739", "Deposits": "-13.2", "Loans and Leases Receivable": "-1.32", "Assets": "-0.409", "Cash Deposits and Cash Equivalents": "6.37", "Assets and Securities": "-3.40", "Other Assets": "-1.88", "Goodwill": "-1.15", "Expenses": "0.578", "Revenues": "-0.536", "Comprehensive Net Income": "0.376", "Other Expenses": "-0.259", "Labor Expense": "0.526", "Other Revenues": "-0.536", "Other Compr. Net Income": "0.403", "Economic Capital Ratio": "-1.56"}, "2018": {"Other Liabilities": "-19.5", "Liabilities": "-3.74", "Stockholders Equity": "-1.60", "ECR before LimitedLiability": "-1.95", "Long-term Debt": "0.625", "Liabilities and Borrowings": "10.8", "Deposits": "-14.3", "Assets": "1.60", "Assets and Securities": "5.81", "Other Assets": "-10.3", "Loans and Leases Receivable": "1.72", "Goodwill": "-1.20", "Cash Deposits and Cash Equivalents": "4.64", "Labor Expense": "1.94", "Expenses": "3.14", "Occupancy": "0.336", "Other Noninterest Expense": "0.470", "Other Revenues": "-0.761", "Revenues": "-0.761", "Economic Capital Ratio": "-2.03", "Other Net Income": "-2.53"}, "2019": {"Long-term Debt": "0.559", "Liabilities": "-3.95", "Assets": "2.03", "Stockholders Equity": "-1.33", "ECR before LimitedLiability": "-2.18", "Deposits": "-13.8", "Other Liabilities": "-21.9", "Liabilities and Borrowings": "13.0", "Other Assets": "-7.50", "Goodwill": "-1.22", "Cash Deposits and Cash Equivalents": "5.79", "Assets and Securities": "4.75", "Other Noninterest Expense": "0.437", "Expenses": "3.50", "Other Expenses": "0.311", "Occupancy": "0.347", "Labor Expense": "2.05", "Other Revenues": "-0.830", "Revenues": "-0.830", "Economic Capital Ratio": "-2.21", "Other Net Income": "-3.02"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "23,160", "Cash Deposits and Cash Equivalents": "105,191", "Deposits": "602,633", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,702", "Loans and Leases Receivable": "411,156", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "118,662", "Other Compr. Net Income": "-4,008", "Other Expenses": "2,710", "Other Liabilities": "0", "Other Net Income": "8,597", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "13,684"}, "output_variables": {"Liabilities": "607,336", "Assets": "671,853", "Expenses": "2,710", "Revenues": "0", "Stockholders Equity": "64,517", "Net Income": "5,886", "Comprehensive Net Income": "1,878", "BaseVar": "667,391", "ECR before LimitedLiability": "8.8%", "Economic Capital Ratio": "9.0%"}}, "2014": {"input_variables": {"Assets and Securities": "22,658", "Cash Deposits and Cash Equivalents": "144,288", "Deposits": "669,581", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,043", "Loans and Leases Receivable": "446,492", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "122,161", "Other Compr. Net Income": "-4,000", "Other Expenses": "3,483", "Other Liabilities": "0", "Other Net Income": "10,598", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "14,066"}, "output_variables": {"Liabilities": "674,624", "Assets": "749,665", "Expenses": "3,483", "Revenues": "0", "Stockholders Equity": "75,041", "Net Income": "7,115", "Comprehensive Net Income": "3,115", "BaseVar": "744,963", "ECR before LimitedLiability": "9.7%", "Economic Capital Ratio": "9.8%"}}, "2015": {"input_variables": {"Assets and Securities": "28,152", "Cash Deposits and Cash Equivalents": "190,603", "Deposits": "814,691", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,084", "Loans and Leases Receivable": "530,394", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "133,612", "Other Compr. Net Income": "1,436", "Other Expenses": "2,338", "Other Liabilities": "0", "Other Net Income": "7,412", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "14,277"}, "output_variables": {"Liabilities": "818,775", "Assets": "897,038", "Expenses": "2,338", "Revenues": "0", "Stockholders Equity": "78,263", "Net Income": "5,075", "Comprehensive Net Income": "6,511", "BaseVar": "878,209", "ECR before LimitedLiability": "9.8%", "Economic Capital Ratio": "9.9%"}}, "2016": {"input_variables": {"Assets and Securities": "34,965", "Cash Deposits and Cash Equivalents": "190,810", "Deposits": "914,093", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,567", "Loans and Leases Receivable": "601,104", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "161,543", "Other Compr. Net Income": "-1,137", "Other Expenses": "3,103", "Other Liabilities": "0", "Other Net Income": "10,240", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "13,688"}, "output_variables": {"Liabilities": "919,660", "Assets": "1,002,110", "Expenses": "3,103", "Revenues": "0", "Stockholders Equity": "82,450", "Net Income": "7,138", "Comprehensive Net Income": "6,000", "BaseVar": "987,166", "ECR before LimitedLiability": "8.9%", "Economic Capital Ratio": "9.1%"}}, "2017": {"input_variables": {"Assets and Securities": "17,082", "Cash Deposits and Cash Equivalents": "149,173", "Deposits": "938,882", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,203", "Loans and Leases Receivable": "652,989", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "201,130", "Other Compr. Net Income": "-282", "Other Expenses": "6,002", "Other Liabilities": "0", "Other Net Income": "14,911", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "14,478"}, "output_variables": {"Liabilities": "944,085", "Assets": "1,034,852", "Expenses": "6,002", "Revenues": "0", "Stockholders Equity": "90,767", "Net Income": "8,909", "Comprehensive Net Income": "8,627", "BaseVar": "1,027,938", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2018": {"input_variables": {"Assets and Securities": "225,509", "Cash Deposits and Cash Equivalents": "126,145", "Deposits": "986,495", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "9,354", "Loans and Leases Receivable": "702,220", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "26,076", "Other Compr. Net Income": "-296", "Other Expenses": "4,375", "Other Liabilities": "0", "Other Net Income": "15,340", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "14,937"}, "output_variables": {"Liabilities": "995,849", "Assets": "1,094,887", "Expenses": "4,375", "Revenues": "0", "Stockholders Equity": "99,038", "Net Income": "10,965", "Comprehensive Net Income": "10,669", "BaseVar": "1,081,687", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2019": {"input_variables": {"Assets and Securities": "212,150", "Cash Deposits and Cash Equivalents": "147,594", "Deposits": "1,019,929", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "15,286", "Loans and Leases Receivable": "741,047", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "31,765", "Other Compr. Net Income": "320", "Other Expenses": "4,113", "Other Liabilities": "0", "Other Net Income": "16,599", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "15,229"}, "output_variables": {"Liabilities": "1,035,215", "Assets": "1,147,785", "Expenses": "4,113", "Revenues": "0", "Stockholders Equity": "112,570", "Net Income": "12,486", "Comprehensive Net Income": "12,806", "BaseVar": "1,129,672", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": -5.0, "value": 0.13047708668079344, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001431567.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001431567.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001431567.svg"}, {"company_id": "0001629019", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001629019.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001629019.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001629019.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001629019_256x256.png", "name": "Merchants Bancorp", "rank": 99, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001629019.svg", "report_text": "The relative strengths and weaknesses of Merchants 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 Merchants Bancorp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Merchants Bancorp is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 59% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 13%, being 2.2% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001629019_2020_Merchants_Bancorp.pdf", "shrinked_graph_json": {"2017": {"Other Liabilities": "15.0", "Liabilities": "0.615", "ECR before LimitedLiability": "2.61", "Liabilities and Borrowings": "-42.8", "Long-term Debt": "-0.679", "Deposits": "-9.36", "Loans and Leases Receivable": "-35.6", "Assets": "-0.699", "Cash Deposits and Cash Equivalents": "4.80", "Assets and Securities": "-1.63", "Other Assets": "15.0", "Property, Plant and Equipment": "-0.972", "Goodwill": "-1.08", "Other Revenues": "-0.562", "Revenues": "-0.562", "Net Income": "2.75", "Comprehensive Net Income": "2.75", "Other Net Income": "2.95", "Labor Expense": "0.559", "Other Expenses": "-0.525", "Economic Capital Ratio": "2.56"}, "2018": {"Other Liabilities": "15.1", "Liabilities": "-1.76", "ECR before LimitedLiability": "2.38", "Long-term Debt": "-3.90", "Liabilities and Borrowings": "-56.7", "Deposits": "-7.38", "Property, Plant and Equipment": "-0.715", "Assets": "1.21", "Assets and Securities": "-5.08", "Other Assets": "15.1", "Loans and Leases Receivable": "-34.3", "Goodwill": "-0.895", "Cash Deposits and Cash Equivalents": "3.16", "Labor Expense": "2.12", "Expenses": "2.81", "Net Income": "2.28", "Other Expenses": "-0.617", "Other Revenues": "-0.799", "Revenues": "-0.799", "Comprehensive Net Income": "2.86", "Economic Capital Ratio": "2.29"}, "2019": {"Long-term Debt": "-1.95", "Liabilities": "-3.82", "Stockholders Equity": "-0.934", "ECR before LimitedLiability": "-2.20", "Deposits": "-11.1", "Other Liabilities": "13.0", "Liabilities and Borrowings": "-59.2", "Loans and Leases Receivable": "-11.4", "Assets": "2.28", "Other Assets": "12.1", "Goodwill": "-1.04", "Property, Plant and Equipment": "-0.608", "Cash Deposits and Cash Equivalents": "2.43", "Assets and Securities": "-2.24", "Expenses": "3.41", "Labor Expense": "2.05", "Other Revenues": "-0.830", "Revenues": "-0.830", "Economic Capital Ratio": "-2.23", "Other Compr. Net Income": "-0.824", "Other Net Income": "-2.43"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001629019_strength_weakness.svg", "table_records": {"2017": {"input_variables": {"Assets and Securities": "140,837", "Cash Deposits and Cash Equivalents": "359,519", "Deposits": "2,943,561", "Fees": "0", "Goodwill": "3,902", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,335,925", "Loans and Leases Receivable": "0", "Long-term Debt": "56,612", "Occupancy": "0", "Other Assets": "2,883,521", "Other Compr. Net Income": "-378", "Other Expenses": "22,477", "Other Liabilities": "-2,310,439", "Other Net Income": "77,161", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "5,354"}, "output_variables": {"Liabilities": "3,025,659", "Assets": "3,393,133", "Expenses": "22,477", "Revenues": "0", "Stockholders Equity": "367,474", "Net Income": "54,684", "Comprehensive Net Income": "54,306", "BaseVar": "3,390,925", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2018": {"input_variables": {"Assets and Securities": "163,419", "Cash Deposits and Cash Equivalents": "336,524", "Deposits": "3,231,086", "Fees": "0", "Goodwill": "17,477", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,069,150", "Loans and Leases Receivable": "0", "Long-term Debt": "195,453", "Occupancy": "0", "Other Assets": "3,351,607", "Other Compr. Net Income": "939", "Other Expenses": "21,153", "Other Liabilities": "-3,032,763", "Other Net Income": "84,027", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "15,136"}, "output_variables": {"Liabilities": "3,462,926", "Assets": "3,884,163", "Expenses": "21,153", "Revenues": "0", "Stockholders Equity": "421,237", "Net Income": "62,874", "Comprehensive Net Income": "63,813", "BaseVar": "3,866,150", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2019": {"input_variables": {"Assets and Securities": "560,134", "Cash Deposits and Cash Equivalents": "506,709", "Deposits": "5,478,075", "Fees": "0", "Goodwill": "15,845", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,247,807", "Loans and Leases Receivable": "3,012,468", "Long-term Debt": "181,439", "Occupancy": "0", "Other Assets": "2,247,498", "Other Compr. Net Income": "768", "Other Expenses": "24,805", "Other Liabilities": "-5,189,121", "Other Net Income": "102,134", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "29,274"}, "output_variables": {"Liabilities": "5,718,200", "Assets": "6,371,928", "Expenses": "24,805", "Revenues": "0", "Stockholders Equity": "653,728", "Net Income": "77,329", "Comprehensive Net Income": "78,097", "BaseVar": "6,276,852", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": -70.0, "value": 0.13027938410106668, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001629019.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001629019.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001629019.svg"}, {"company_id": "0000036270", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000036270.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 100, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 Liabilities and Borrowings, increasing the Economic Capital Ratio by 13% points.The greatest weakness of M T 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 13%, being 2.2% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000036270_2020_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"}, "2013": {"Long-term Debt": "-4.21", "Liabilities": "-0.853", "Stockholders Equity": "2.22", "Liabilities and Borrowings": "8.51", "Other Liabilities": "-11.1", "Deposits": "-7.98", "Goodwill": "1.93", "Assets": "2.76", "ECR before LimitedLiability": "-1.74", "Loans and Leases Receivable": "8.40", "Cash Deposits and Cash Equivalents": "-0.398", "Assets and Securities": "6.36", "Other Assets": "-18.9", "Property, Plant and Equipment": "-0.542", "Expenses": "-0.750", "Net Income": "-5.69", "Other Expenses": "-1.14", "Other Net Income": "-4.69", "Other Compr. Net Income": "1.24", "Comprehensive Net Income": "-4.19", "Economic Capital Ratio": "-1.88"}, "2016": {"Liabilities and Borrowings": "14.6", "Liabilities": "1.24", "Stockholders Equity": "2.39", "ECR before LimitedLiability": "3.27", "Deposits": "-3.40", "Other Liabilities": "-16.9", "Long-term Debt": "-6.30", "Assets and Securities": "5.11", "Assets": "1.14", "Property, Plant and Equipment": "-0.666", "Other Assets": "-12.5", "Goodwill": "1.77", "Loans and Leases Receivable": "7.93", "Cash Deposits and Cash Equivalents": "0.677", "Other Revenues": "-0.515", "Revenues": "-0.515", "Comprehensive Net Income": "0.927", "Other Net Income": "0.915", "Other Expenses": "-0.680", "Other Compr. Net Income": "0.477", "Economic Capital Ratio": "3.22"}, "2017": {"Other Liabilities": "-18.5", "Liabilities": "1.74", "Stockholders Equity": "2.32", "ECR before LimitedLiability": "3.59", "Liabilities and Borrowings": "15.4", "Long-term Debt": "-5.63", "Deposits": "-2.33", "Loans and Leases Receivable": "7.07", "Assets": "0.656", "Cash Deposits and Cash Equivalents": "1.04", "Assets and Securities": "4.71", "Other Assets": "-11.8", "Property, Plant and Equipment": "-0.677", "Goodwill": "1.73", "Other Revenues": "-0.561", "Revenues": "-0.561", "Net Income": "1.22", "Other Net Income": "1.89", "Comprehensive Net Income": "1.24", "Other Expenses": "-0.998", "Economic Capital Ratio": "3.54"}, "2018": {"Other Liabilities": "-26.1", "Liabilities": "4.71", "Stockholders Equity": "0.778", "Economic Capital Ratio": "-0.451", "Long-term Debt": "-5.69", "Liabilities and Borrowings": "12.4", "Deposits": "4.24", "Property, Plant and Equipment": "-0.687", "Assets": "-3.65", "Assets and Securities": "-1.07", "Other Assets": "-10.2", "Loans and Leases Receivable": "4.71", "Goodwill": "1.52", "Cash Deposits and Cash Equivalents": "2.50", "Labor Expense": "-3.35", "Expenses": "-7.21", "Revenues": "0.585", "Net Income": "-2.30", "Other Noninterest Expense": "-2.10", "Other Expenses": "-0.780", "Other Revenues": "0.585", "Comprehensive Net Income": "-1.90", "Other Net Income": "4.03"}, "2019": {"Long-term Debt": "-4.70", "Liabilities": "4.76", "ECR before LimitedLiability": "-2.21", "Deposits": "1.18", "Other Liabilities": "-24.4", "Liabilities and Borrowings": "13.0", "Loans and Leases Receivable": "4.12", "Assets": "-3.74", "Other Assets": "-6.77", "Goodwill": "1.52", "Cash Deposits and Cash Equivalents": "1.60", "Assets and Securities": "-3.63", "Other Noninterest Expense": "-2.16", "Expenses": "-7.70", "Net Income": "-3.31", "Other Expenses": "-0.612", "Occupancy": "-0.660", "Labor Expense": "-3.84", "Comprehensive Net Income": "-3.59", "Other Net Income": "3.64", "Economic Capital Ratio": "-2.24"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "14,454,840", "Cash Deposits and Cash Equivalents": "3,224,499", "Deposits": "67,118,612", "Fees": "0", "Goodwill": "3,524,625", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,629,377", "Loans and Leases Receivable": "63,156,483", "Long-term Debt": "5,108,870", "Occupancy": "0", "Other Assets": "168,424", "Other Compr. Net Income": "0", "Other Expenses": "579,069", "Other Liabilities": "0", "Other Net Income": "0", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "633,520"}, "output_variables": {"Liabilities": "73,856,859", "Assets": "85,162,391", "Expenses": "579,069", "Revenues": "0", "Stockholders Equity": "11,305,532", "Net Income": "-579,069", "Comprehensive Net Income": "-579,069", "BaseVar": "80,560,635", "ECR before LimitedLiability": "8.3%", "Economic Capital Ratio": "8.6%"}}, "2016": {"input_variables": {"Assets and Securities": "16,574,335", "Cash Deposits and Cash Equivalents": "6,321,187", "Deposits": "95,493,876", "Fees": "0", "Goodwill": "4,593,112", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,974,873", "Loans and Leases Receivable": "89,864,419", "Long-term Debt": "9,493,835", "Occupancy": "0", "Other Assets": "5,420,890", "Other Compr. Net Income": "-43,009", "Other Expenses": "857,017", "Other Liabilities": "0", "Other Net Income": "1,350,840", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "675,263"}, "output_variables": {"Liabilities": "106,962,584", "Assets": "123,449,206", "Expenses": "857,017", "Revenues": "0", "Stockholders Equity": "16,486,622", "Net Income": "493,823", "Comprehensive Net Income": "450,814", "BaseVar": "119,291,216", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2017": {"input_variables": {"Assets and Securities": "14,797,434", "Cash Deposits and Cash Equivalents": "6,499,791", "Deposits": "92,432,146", "Fees": "0", "Goodwill": "4,593,112", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,593,993", "Loans and Leases Receivable": "86,971,785", "Long-term Debt": "8,141,430", "Occupancy": "0", "Other Assets": "5,084,914", "Other Compr. Net Income": "-32,243", "Other Expenses": "1,084,465", "Other Liabilities": "175,099", "Other Net Income": "2,292,963", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "646,451"}, "output_variables": {"Liabilities": "102,342,668", "Assets": "118,593,487", "Expenses": "1,084,465", "Revenues": "0", "Stockholders Equity": "16,250,819", "Net Income": "1,208,498", "Comprehensive Net Income": "1,176,256", "BaseVar": "116,656,630", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2018": {"input_variables": {"Assets and Securities": "12,878,397", "Cash Deposits and Cash Equivalents": "9,710,636", "Deposits": "90,156,572", "Fees": "68,526", "Goodwill": "4,593,112", "IT and Equipment Expense": "199,025", "Labor Expense": "1,752,264", "Liabilities and Borrowings": "1,637,348", "Loans and Leases Receivable": "87,447,033", "Long-term Debt": "8,444,914", "Occupancy": "298,828", "Other Assets": "4,820,817", "Other Compr. Net Income": "-14,197", "Other Expenses": "661,839", "Other Liabilities": "4,398,378", "Other Net Income": "3,908,407", "Other Noninterest Expense": "823,529", "Other Revenues": "451,321", "Property, Plant and Equipment": "647,408"}, "output_variables": {"Liabilities": "104,637,212", "Assets": "120,097,403", "Expenses": "3,804,011", "Revenues": "451,321", "Stockholders Equity": "15,460,191", "Net Income": "555,717", "Comprehensive Net Income": "541,521", "BaseVar": "127,210,260", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2019": {"input_variables": {"Assets and Securities": "9,497,251", "Cash Deposits and Cash Equivalents": "8,622,959", "Deposits": "94,770,069", "Fees": "49,234", "Goodwill": "4,593,112", "IT and Equipment Expense": "235,332", "Labor Expense": "1,914,554", "Liabilities and Borrowings": "2,337,490", "Loans and Leases Receivable": "89,871,798", "Long-term Debt": "6,986,186", "Occupancy": "326,410", "Other Assets": "6,146,713", "Other Compr. Net Income": "-38,903", "Other Expenses": "781,401", "Other Liabilities": "62,363", "Other Net Income": "4,080,830", "Other Noninterest Expense": "819,703", "Other Revenues": "470,068", "Property, Plant and Equipment": "1,140,924"}, "output_variables": {"Liabilities": "104,156,108", "Assets": "119,872,757", "Expenses": "4,126,633", "Revenues": "470,068", "Stockholders Equity": "15,716,649", "Net Income": "424,264", "Comprehensive Net Income": "385,361", "BaseVar": "127,834,760", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": -32.0, "value": 0.13016269634554994, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000036270.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000036270.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000036270.svg"}, {"company_id": "0000913341", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000913341.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 101, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 13% points.The greatest weakness of C F Financial 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 2.3% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000913341_2020_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"}, "2013": {"Long-term Debt": "-8.02", "Liabilities": "-0.533", "Stockholders Equity": "-1.38", "ECR before LimitedLiability": "-0.533", "Liabilities and Borrowings": "9.71", "Other Liabilities": "-14.6", "Deposits": "-2.40", "Assets": "-0.805", "Loans and Leases Receivable": "1.66", "Cash Deposits and Cash Equivalents": "4.11", "Assets and Securities": "-1.65", "Other Assets": "-6.65", "Property, Plant and Equipment": "0.931", "Other Revenues": "-0.150", "Revenues": "-0.150", "Net Income": "0.683", "Comprehensive Net Income": "0.791", "Other Net Income": "0.899", "Other Expenses": "-0.485", "Labor Expense": "0.256", "Economic Capital Ratio": "-0.680"}, "2014": {"Deposits": "-2.19", "Liabilities": "-1.15", "Stockholders Equity": "-1.25", "ECR before LimitedLiability": "-0.966", "Other Liabilities": "-26.3", "Liabilities and Borrowings": "11.6", "Long-term Debt": "1.25", "Cash Deposits and Cash Equivalents": "5.67", "Assets": "-0.171", "Other Assets": "-15.1", "Property, Plant and Equipment": "0.923", "Assets and Securities": "8.49", "Loans and Leases Receivable": "-0.183", "Expenses": "0.628", "Revenues": "-0.290", "Comprehensive Net Income": "0.370", "Labor Expense": "0.320", "Other Revenues": "-0.290", "Other Net Income": "-0.285", "Other Compr. Net Income": "0.313", "Economic Capital Ratio": "-1.00"}, "2015": {"Deposits": "-2.46", "Liabilities": "-0.963", "Loans and Leases Receivable": "0.116", "Stockholders Equity": "-0.866", "ECR before LimitedLiability": "-1.26", "Long-term Debt": "1.09", "Other Liabilities": "-28.0", "Liabilities and Borrowings": "10.4", "Expenses": "0.623", "Revenues": "-0.313", "Comprehensive Net Income": "-0.296", "Other Expenses": "0.144", "Labor Expense": "0.269", "Other Revenues": "-0.313", "Assets and Securities": "8.23", "Property, Plant and Equipment": "0.796", "Cash Deposits and Cash Equivalents": "4.43", "Other Assets": "-14.2", "Other Compr. Net Income": "-0.217", "Other Net Income": "-0.400", "Economic Capital Ratio": "-1.30"}, "2016": {"Liabilities and Borrowings": "10.7", "Liabilities": "-1.44", "Stockholders Equity": "-0.737", "ECR before LimitedLiability": "-0.976", "Deposits": "-2.47", "Other Liabilities": "-28.9", "Long-term Debt": "0.808", "Assets and Securities": "6.88", "Assets": "0.539", "Property, Plant and Equipment": "0.723", "Other Assets": "-12.0", "Goodwill": "-0.273", "Loans and Leases Receivable": "2.54", "Cash Deposits and Cash Equivalents": "2.02", "Other Expenses": "0.447", "Expenses": "1.12", "Labor Expense": "0.431", "Other Revenues": "-0.492", "Revenues": "-0.492", "Economic Capital Ratio": "-1.02", "Other Net Income": "-0.770"}, "2017": {"Other Liabilities": "-29.6", "Liabilities": "-1.34", "Loans and Leases Receivable": "0.829", "Stockholders Equity": "-1.19", "ECR before LimitedLiability": "-3.08", "Liabilities and Borrowings": "9.25", "Long-term Debt": "0.679", "Deposits": "-1.29", "Other Revenues": "-0.506", "Revenues": "-0.506", "Net Income": "-1.59", "Cash Deposits and Cash Equivalents": "2.42", "Assets and Securities": "6.21", "Other Assets": "-10.8", "Property, Plant and Equipment": "0.660", "Goodwill": "-0.433", "Comprehensive Net Income": "-1.69", "Other Net Income": "-1.04", "Labor Expense": "0.490", "Other Expenses": "-0.825", "Economic Capital Ratio": "-3.13"}, "2018": {"Other Liabilities": "-32.0", "Liabilities": "-3.23", "Stockholders Equity": "-0.847", "ECR before LimitedLiability": "-0.811", "Long-term Debt": "0.647", "Liabilities and Borrowings": "11.9", "Deposits": "-2.75", "Property, Plant and Equipment": "0.793", "Assets": "1.90", "Assets and Securities": "3.43", "Other Assets": "-8.30", "Loans and Leases Receivable": "4.29", "Goodwill": "-0.523", "Cash Deposits and Cash Equivalents": "2.31", "Labor Expense": "2.01", "Expenses": "3.46", "Revenues": "-0.776", "Net Income": "0.648", "Other Revenues": "-0.776", "Other Net Income": "-2.24", "Economic Capital Ratio": "-0.898"}, "2019": {"Long-term Debt": "0.557", "Liabilities": "-4.12", "Stockholders Equity": "-1.16", "ECR before LimitedLiability": "-2.23", "Deposits": "-3.41", "Other Liabilities": "-33.5", "Liabilities and Borrowings": "12.9", "Loans and Leases Receivable": "0.986", "Assets": "2.32", "Other Assets": "-4.02", "Goodwill": "-0.582", "Property, Plant and Equipment": "0.620", "Cash Deposits and Cash Equivalents": "3.89", "Assets and Securities": "1.49", "Expenses": "3.69", "Other Expenses": "0.528", "Labor Expense": "2.05", "Other Revenues": "-0.828", "Revenues": "-0.828", "Economic Capital Ratio": "-2.26", "Other Net Income": "-3.03"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "51,626", "Cash Deposits and Cash Equivalents": "148,139", "Deposits": "1,008,292", "Fees": "0", "Goodwill": "16,630", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "20,386", "Loans and Leases Receivable": "785,532", "Long-term Debt": "132,987", "Occupancy": "0", "Other Assets": "271,228", "Other Compr. Net Income": "-4,982", "Other Expenses": "6,710", "Other Liabilities": "37,691", "Other Net Income": "21,112", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "39,142"}, "output_variables": {"Liabilities": "1,199,356", "Assets": "1,312,297", "Expenses": "6,710", "Revenues": "0", "Stockholders Equity": "112,941", "Net Income": "14,402", "Comprehensive Net Income": "9,420", "BaseVar": "1,315,366", "ECR before LimitedLiability": "9.6%", "Economic Capital Ratio": "9.8%"}}, "2014": {"input_variables": {"Assets and Securities": "257,794", "Cash Deposits and Cash Equivalents": "167,616", "Deposits": "1,026,101", "Fees": "0", "Goodwill": "14,425", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "16,082", "Loans and Leases Receivable": "800,198", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "55,995", "Other Compr. Net Income": "-4,975", "Other Expenses": "3,905", "Other Liabilities": "167,767", "Other Net Income": "15,750", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "37,295"}, "output_variables": {"Liabilities": "1,209,950", "Assets": "1,333,323", "Expenses": "3,905", "Revenues": "0", "Stockholders Equity": "123,373", "Net Income": "11,845", "Comprehensive Net Income": "6,870", "BaseVar": "1,316,340", "ECR before LimitedLiability": "9.4%", "Economic Capital Ratio": "9.6%"}}, "2015": {"input_variables": {"Assets and Securities": "263,561", "Cash Deposits and Cash Equivalents": "152,943", "Deposits": "1,073,633", "Fees": "0", "Goodwill": "14,425", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "22,425", "Loans and Leases Receivable": "865,892", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "71,722", "Other Compr. Net Income": "2,566", "Other Expenses": "4,896", "Other Liabilities": "177,959", "Other Net Income": "17,477", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "36,533"}, "output_variables": {"Liabilities": "1,274,017", "Assets": "1,405,076", "Expenses": "4,896", "Revenues": "0", "Stockholders Equity": "131,059", "Net Income": "12,581", "Comprehensive Net Income": "15,146", "BaseVar": "1,384,811", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2016": {"input_variables": {"Assets and Securities": "258,142", "Cash Deposits and Cash Equivalents": "103,201", "Deposits": "1,119,921", "Fees": "0", "Goodwill": "14,425", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "27,587", "Loans and Leases Receivable": "960,162", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "80,258", "Other Compr. Net Income": "-2,029", "Other Expenses": "4,321", "Other Liabilities": "165,270", "Other Net Income": "18,082", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "35,804"}, "output_variables": {"Liabilities": "1,312,778", "Assets": "1,451,992", "Expenses": "4,321", "Revenues": "0", "Stockholders Equity": "139,214", "Net Income": "13,761", "Comprehensive Net Income": "11,732", "BaseVar": "1,426,729", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2017": {"input_variables": {"Assets and Securities": "250,317", "Cash Deposits and Cash Equivalents": "119,423", "Deposits": "1,171,429", "Fees": "0", "Goodwill": "14,425", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "27,227", "Loans and Leases Receivable": "992,062", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "95,860", "Other Compr. Net Income": "-1,408", "Other Expenses": "13,049", "Other Liabilities": "168,698", "Other Net Income": "17,981", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "36,969"}, "output_variables": {"Liabilities": "1,367,354", "Assets": "1,509,056", "Expenses": "13,049", "Revenues": "0", "Stockholders Equity": "141,702", "Net Income": "4,931", "Comprehensive Net Income": "3,523", "BaseVar": "1,497,081", "ECR before LimitedLiability": "8.5%", "Economic Capital Ratio": "8.7%"}}, "2018": {"input_variables": {"Assets and Securities": "244,552", "Cash Deposits and Cash Equivalents": "115,013", "Deposits": "1,181,661", "Fees": "0", "Goodwill": "14,425", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "27,181", "Loans and Leases Receivable": "1,028,097", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "82,224", "Other Compr. Net Income": "-1,584", "Other Expenses": "6,666", "Other Liabilities": "160,611", "Other Net Income": "23,947", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "37,100"}, "output_variables": {"Liabilities": "1,369,453", "Assets": "1,521,411", "Expenses": "6,666", "Revenues": "0", "Stockholders Equity": "151,958", "Net Income": "17,281", "Comprehensive Net Income": "15,697", "BaseVar": "1,503,869", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2019": {"input_variables": {"Assets and Securities": "230,184", "Cash Deposits and Cash Equivalents": "165,433", "Deposits": "1,291,250", "Fees": "0", "Goodwill": "14,425", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "38,442", "Loans and Leases Receivable": "1,082,318", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "129,811", "Other Compr. Net Income": "-746", "Other Expenses": "4,946", "Other Liabilities": "162,461", "Other Net Income": "24,368", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "35,261"}, "output_variables": {"Liabilities": "1,492,153", "Assets": "1,657,432", "Expenses": "4,946", "Revenues": "0", "Stockholders Equity": "165,279", "Net Income": "19,421", "Comprehensive Net Income": "18,675", "BaseVar": "1,629,352", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": -26.0, "value": 0.12998611674339036, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000913341.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000913341.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000913341.svg"}, {"company_id": "0001466026", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001466026.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001466026.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001466026.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001466026_256x256.png", "name": "Midland States Bancorp Inc", "rank": 102, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001466026.svg", "report_text": "The relative strengths and weaknesses of Midland States 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 Midland States Bancorp Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Midland States Bancorp Inc is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 27% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 13%, being 2.3% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001466026_2020_Midland_States_Bancorp_Inc.pdf", "shrinked_graph_json": {"2016": {"Liabilities and Borrowings": "-27.6", "Liabilities": "-0.349", "Stockholders Equity": "-0.540", "ECR before LimitedLiability": "-0.704", "Deposits": "0.556", "Other Liabilities": "10.8", "Long-term Debt": "0.825", "Assets and Securities": "-4.01", "Assets": "-0.199", "Property, Plant and Equipment": "0.427", "Other Assets": "-3.76", "Loans and Leases Receivable": "5.29", "Cash Deposits and Cash Equivalents": "1.16", "Other Expenses": "-0.554", "Expenses": "0.155", "Labor Expense": "0.440", "Other Revenues": "-0.501", "Revenues": "-0.501", "Economic Capital Ratio": "-0.747", "Other Net Income": "0.373", "Other Compr. Net Income": "-0.164"}, "2017": {"Other Liabilities": "8.89", "Liabilities": "-2.56", "ECR before LimitedLiability": "-2.38", "Liabilities and Borrowings": "-25.7", "Long-term Debt": "0.695", "Deposits": "2.39", "Loans and Leases Receivable": "5.96", "Assets": "1.71", "Cash Deposits and Cash Equivalents": "0.599", "Assets and Securities": "-3.75", "Other Assets": "-2.82", "Goodwill": "0.487", "Expenses": "1.69", "Net Income": "-1.82", "Other Expenses": "0.948", "Labor Expense": "0.498", "Other Revenues": "-0.511", "Revenues": "-0.511", "Comprehensive Net Income": "-1.58", "Other Net Income": "-3.15", "Economic Capital Ratio": "-2.43"}, "2018": {"Other Liabilities": "9.86", "Liabilities": "-3.95", "Assets": "3.12", "ECR before LimitedLiability": "-1.51", "Long-term Debt": "0.626", "Liabilities and Borrowings": "-25.3", "Deposits": "0.737", "Assets and Securities": "1.08", "Other Assets": "-7.73", "Loans and Leases Receivable": "8.11", "Goodwill": "0.939", "Labor Expense": "1.94", "Expenses": "3.60", "Net Income": "-1.10", "Other Noninterest Expense": "0.469", "Other Expenses": "0.631", "Other Revenues": "-0.758", "Revenues": "-0.758", "Comprehensive Net Income": "-0.886", "Other Net Income": "-4.30", "Economic Capital Ratio": "-1.60"}, "2019": {"Long-term Debt": "0.554", "Liabilities": "-4.06", "Assets": "3.01", "ECR before LimitedLiability": "-2.24", "Deposits": "-1.13", "Other Liabilities": "11.9", "Liabilities and Borrowings": "-27.0", "Loans and Leases Receivable": "6.01", "Other Assets": "-5.47", "Goodwill": "0.869", "Cash Deposits and Cash Equivalents": "1.38", "Other Noninterest Expense": "0.433", "Expenses": "3.77", "Net Income": "-0.835", "Other Expenses": "0.637", "Labor Expense": "2.04", "Other Revenues": "-0.824", "Revenues": "-0.824", "Comprehensive Net Income": "-1.10", "Other Net Income": "-3.93", "Economic Capital Ratio": "-2.27"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001466026_strength_weakness.svg", "table_records": {"2016": {"input_variables": {"Assets and Securities": "40,259", "Cash Deposits and Cash Equivalents": "190,716", "Deposits": "2,404,366", "Fees": "0", "Goodwill": "48,836", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,878,951", "Loans and Leases Receivable": "2,305,114", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "582,106", "Other Compr. Net Income": "-6,630", "Other Expenses": "18,889", "Other Liabilities": "-1,371,402", "Other Net Income": "50,422", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "66,692"}, "output_variables": {"Liabilities": "2,911,915", "Assets": "3,233,723", "Expenses": "18,889", "Revenues": "0", "Stockholders Equity": "321,808", "Net Income": "31,533", "Comprehensive Net Income": "24,903", "BaseVar": "3,210,652", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2017": {"input_variables": {"Assets and Securities": "42,425", "Cash Deposits and Cash Equivalents": "215,202", "Deposits": "3,131,089", "Fees": "0", "Goodwill": "98,624", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,444,269", "Loans and Leases Receivable": "3,210,247", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "770,041", "Other Compr. Net Income": "2,368", "Other Expenses": "10,415", "Other Liabilities": "-1,612,202", "Other Net Income": "26,471", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "76,162"}, "output_variables": {"Liabilities": "3,963,156", "Assets": "4,412,701", "Expenses": "10,415", "Revenues": "0", "Stockholders Equity": "449,545", "Net Income": "16,056", "Comprehensive Net Income": "18,424", "BaseVar": "4,259,175", "ECR before LimitedLiability": "9.9%", "Economic Capital Ratio": "10.0%"}}, "2018": {"input_variables": {"Assets and Securities": "708,351", "Cash Deposits and Cash Equivalents": "213,700", "Deposits": "4,074,170", "Fees": "0", "Goodwill": "164,673", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,145,335", "Loans and Leases Receivable": "4,116,648", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "339,461", "Other Compr. Net Income": "-3,866", "Other Expenses": "11,384", "Other Liabilities": "-2,190,357", "Other Net Income": "50,805", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "94,840"}, "output_variables": {"Liabilities": "5,029,148", "Assets": "5,637,673", "Expenses": "11,384", "Revenues": "0", "Stockholders Equity": "608,525", "Net Income": "39,421", "Comprehensive Net Income": "35,555", "BaseVar": "5,453,300", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2019": {"input_variables": {"Assets and Securities": "712,978", "Cash Deposits and Cash Equivalents": "394,505", "Deposits": "4,544,254", "Fees": "0", "Goodwill": "171,758", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,572,306", "Loans and Leases Receivable": "4,373,382", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "343,339", "Other Compr. Net Income": "-3,852", "Other Expenses": "15,216", "Other Liabilities": "-2,691,454", "Other Net Income": "66,940", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "91,055"}, "output_variables": {"Liabilities": "5,425,106", "Assets": "6,087,017", "Expenses": "15,216", "Revenues": "0", "Stockholders Equity": "661,911", "Net Income": "51,725", "Comprehensive Net Income": "47,873", "BaseVar": "5,912,166", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": -18.0, "value": 0.1298645367028778, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001466026.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001466026.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001466026.svg"}, {"company_id": "0000920427", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000920427.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 103, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 13% points.The greatest weakness of Unity Bancorp INC NJ is the variable Other Liabilities, reducing the Economic Capital Ratio by 47% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 13%, being 2.4% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000920427_2020_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"}, "2013": {"Long-term Debt": "0.622", "Liabilities": "-2.79", "Stockholders Equity": "-2.74", "Goodwill": "-0.651", "Liabilities and Borrowings": "6.93", "Other Liabilities": "-24.6", "Deposits": "-5.33", "Expenses": "0.556", "Revenues": "-0.118", "Net Income": "-0.982", "Other Expenses": "0.253", "Labor Expense": "0.200", "Other Revenues": "-0.118", "ECR before LimitedLiability": "-3.37", "Loans and Leases Receivable": "6.33", "Cash Deposits and Cash Equivalents": "3.42", "Assets and Securities": "2.95", "Other Assets": "-16.9", "Comprehensive Net Income": "-0.353", "Other Net Income": "-1.50", "Other Compr. Net Income": "0.569", "Economic Capital Ratio": "-3.52"}, "2014": {"Deposits": "-3.36", "Liabilities": "-2.78", "Cash Deposits and Cash Equivalents": "5.02", "Stockholders Equity": "-2.86", "Other Liabilities": "-27.1", "Liabilities and Borrowings": "8.42", "Long-term Debt": "1.02", "Expenses": "0.667", "Net Income": "-0.919", "Labor Expense": "0.274", "Other Revenues": "-0.253", "Revenues": "-0.253", "ECR before LimitedLiability": "-4.50", "Comprehensive Net Income": "-1.28", "Other Assets": "-15.6", "Assets and Securities": "1.15", "Goodwill": "-0.775", "Loans and Leases Receivable": "6.80", "Other Compr. Net Income": "-0.346", "Other Net Income": "-1.39", "Economic Capital Ratio": "-4.53"}, "2015": {"Deposits": "-6.86", "Liabilities": "-1.68", "Stockholders Equity": "-2.51", "ECR before LimitedLiability": "-2.67", "Long-term Debt": "1.01", "Other Liabilities": "-24.8", "Liabilities and Borrowings": "9.07", "Loans and Leases Receivable": "8.48", "Assets": "-0.833", "Assets and Securities": "0.576", "Cash Deposits and Cash Equivalents": "2.52", "Goodwill": "-0.795", "Other Assets": "-15.5", "Expenses": "0.276", "Revenues": "-0.296", "Net Income": "-0.149", "Other Expenses": "-0.181", "Labor Expense": "0.252", "Other Revenues": "-0.296", "Other Net Income": "-0.134", "Economic Capital Ratio": "-2.71"}, "2016": {"Liabilities and Borrowings": "11.6", "Liabilities": "-0.783", "Stockholders Equity": "-1.40", "Economic Capital Ratio": "-0.150", "Deposits": "-3.53", "Other Liabilities": "-29.5", "Long-term Debt": "0.841", "Assets and Securities": "-1.20", "Assets": "-0.620", "Property, Plant and Equipment": "0.352", "Other Assets": "-13.5", "Goodwill": "-1.01", "Loans and Leases Receivable": "9.80", "Cash Deposits and Cash Equivalents": "3.25", "Other Revenues": "-0.506", "Revenues": "-0.506", "Net Income": "0.509", "Other Compr. Net Income": "0.791", "Comprehensive Net Income": "1.29", "Other Expenses": "-0.643", "Other Net Income": "0.933", "Labor Expense": "0.446"}, "2017": {"Other Liabilities": "-41.2", "Liabilities": "-1.67", "Stockholders Equity": "-2.30", "ECR before LimitedLiability": "-2.37", "Liabilities and Borrowings": "9.97", "Long-term Debt": "0.711", "Deposits": "3.54", "Loans and Leases Receivable": "7.93", "Assets": "-0.676", "Cash Deposits and Cash Equivalents": "3.88", "Assets and Securities": "-1.13", "Other Assets": "-12.5", "Goodwill": "-1.13", "Expenses": "0.355", "Other Expenses": "-0.464", "Occupancy": "0.0997", "Labor Expense": "0.510", "Other Revenues": "-0.523", "Revenues": "-0.523", "Economic Capital Ratio": "-2.42", "Other Net Income": "0.146"}, "2018": {"Other Liabilities": "-39.4", "Liabilities": "2.15", "Stockholders Equity": "-2.59", "Economic Capital Ratio": "-0.571", "Liabilities and Borrowings": "12.3", "Deposits": "3.61", "Assets": "-4.17", "Assets and Securities": "-5.82", "Other Assets": "-10.3", "Loans and Leases Receivable": "9.69", "Goodwill": "-1.31", "Cash Deposits and Cash Equivalents": "3.21", "Labor Expense": "-2.56", "Expenses": "-2.78", "Net Income": "2.31", "Other Expenses": "1.08", "IT and Equipment Expense": "-0.903", "Other Revenues": "1.29", "Revenues": "1.29", "Comprehensive Net Income": "1.50", "Other Compr. Net Income": "-0.841", "Other Net Income": "3.65"}, "2019": {"Liabilities": "1.53", "Stockholders Equity": "-2.41", "ECR before LimitedLiability": "-2.36", "Deposits": "5.70", "Other Liabilities": "-46.7", "Liabilities and Borrowings": "12.9", "Loans and Leases Receivable": "8.36", "Assets": "-3.45", "Other Assets": "-7.56", "Goodwill": "-1.31", "Cash Deposits and Cash Equivalents": "3.04", "Assets and Securities": "-6.32", "Expenses": "-2.27", "Revenues": "1.19", "Net Income": "1.95", "Other Expenses": "1.30", "Labor Expense": "-2.31", "Other Revenues": "1.19", "Other Net Income": "2.96", "Other Compr. Net Income": "-2.34", "Economic Capital Ratio": "-2.38"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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. 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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%"}}, "2013": {"input_variables": {"Assets and Securities": "107,514", "Cash Deposits and Cash Equivalents": "99,404", "Deposits": "738,698", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "665,560", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "32,968", "Other Compr. Net Income": "-1,809", "Other Expenses": "2,567", "Other Liabilities": "125,247", "Other Net Income": "7,682", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "15,672"}, "output_variables": {"Liabilities": "863,945", "Assets": "921,118", "Expenses": "2,567", "Revenues": "0", "Stockholders Equity": "57,173", "Net Income": "5,115", "Comprehensive Net Income": "3,306", "BaseVar": "914,417", "ECR before LimitedLiability": "6.3%", "Economic Capital Ratio": "6.9%"}}, "2014": {"input_variables": {"Assets and Securities": "80,082", "Cash Deposits and Cash Equivalents": "129,821", "Deposits": "794,341", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "749,274", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "34,380", "Other Compr. Net Income": "-594", "Other Expenses": "4,065", "Other Liabilities": "144,324", "Other Net Income": "13,676", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "15,231"}, "output_variables": {"Liabilities": "938,665", "Assets": "1,008,788", "Expenses": "4,065", "Revenues": "0", "Stockholders Equity": "70,123", "Net Income": "9,610", "Comprehensive Net Income": "9,016", "BaseVar": "1,007,005", "ECR before LimitedLiability": "8.9%", "Economic Capital Ratio": "9.1%"}}, "2015": {"input_variables": {"Assets and Securities": "71,336", "Cash Deposits and Cash Equivalents": "88,157", "Deposits": "894,493", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "876,199", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "34,003", "Other Compr. Net Income": "-104", "Other Expenses": "10,538", "Other Liabilities": "111,903", "Other Net Income": "37,389", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "15,171"}, "output_variables": {"Liabilities": "1,006,396", "Assets": "1,084,866", "Expenses": "10,538", "Revenues": "0", "Stockholders Equity": "78,470", "Net Income": "26,851", "Comprehensive Net Income": "26,747", "BaseVar": "1,132,807", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2016": {"input_variables": {"Assets and Securities": "61,547", "Cash Deposits and Cash Equivalents": "105,895", "Deposits": "945,723", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "960,835", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "38,231", "Other Compr. Net Income": "81", "Other Expenses": "19,465", "Other Liabilities": "137,892", "Other Net Income": "50,915", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "23,398"}, "output_variables": {"Liabilities": "1,083,615", "Assets": "1,189,906", "Expenses": "19,465", "Revenues": "0", "Stockholders Equity": "106,291", "Net Income": "31,450", "Comprehensive Net Income": "31,530", "BaseVar": "1,264,646", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}, "2017": {"input_variables": {"Assets and Securities": "69,800", "Cash Deposits and Cash Equivalents": "150,254", "Deposits": "1,043,137", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,157,118", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "54,854", "Other Compr. Net Income": "296", "Other Expenses": "20,930", "Other Liabilities": "294,254", "Other Net Income": "27,323", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "23,470"}, "output_variables": {"Liabilities": "1,337,391", "Assets": "1,455,496", "Expenses": "20,930", "Revenues": "0", "Stockholders Equity": "118,105", "Net Income": "6,393", "Comprehensive Net Income": "6,689", "BaseVar": "1,484,560", "ECR before LimitedLiability": "8.3%", "Economic Capital Ratio": "8.5%"}}, "2018": {"input_variables": {"Assets and Securities": "63,732", "Cash Deposits and Cash Equivalents": "145,515", "Deposits": "1,207,687", "Fees": "1,716", "Goodwill": "0", "IT and Equipment Expense": "5,136", "Labor Expense": "20,119", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,289,078", "Long-term Debt": "0", "Occupancy": "2,739", "Other Assets": "57,461", "Other Compr. Net Income": "-4,072", "Other Expenses": "3,635", "Other Liabilities": "232,982", "Other Net Income": "197,092", "Other Noninterest Expense": "1,782", "Other Revenues": "9,031", "Property, Plant and Equipment": "23,371"}, "output_variables": {"Liabilities": "1,440,669", "Assets": "1,579,157", "Expenses": "35,127", "Revenues": "9,031", "Stockholders Equity": "138,488", "Net Income": "170,996", "Comprehensive Net Income": "166,924", "BaseVar": "1,955,173", "ECR before LimitedLiability": "47%", "Economic Capital Ratio": "47%"}}, "2019": {"input_variables": {"Assets and Securities": "66,564", "Cash Deposits and Cash Equivalents": "158,016", "Deposits": "1,250,114", "Fees": "1,423", "Goodwill": "0", "IT and Equipment Expense": "5,922", "Labor Expense": "20,681", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,409,163", "Long-term Debt": "0", "Occupancy": "2,653", "Other Assets": "63,884", "Other Compr. Net Income": "-6,322", "Other Expenses": "2,304", "Other Liabilities": "308,119", "Other Net Income": "56,750", "Other Noninterest Expense": "1,882", "Other Revenues": "9,569", "Property, Plant and Equipment": "21,315"}, "output_variables": {"Liabilities": "1,558,233", "Assets": "1,718,942", "Expenses": "34,865", "Revenues": "9,569", "Stockholders Equity": "160,709", "Net Income": "31,454", "Comprehensive Net Income": "25,131", "BaseVar": "1,833,711", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": -31.0, "value": 0.12873631916980754, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000920427.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000920427.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000920427.svg"}, {"company_id": "0001018399", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001018399.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 104, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 13% points.The greatest weakness of Enterprise Bancorp INC MA 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 13%, being 2.4% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001018399_2020_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"}, "2013": {"Long-term Debt": "0.775", "Liabilities": "-1.93", "Stockholders Equity": "-1.55", "ECR before LimitedLiability": "-1.18", "Liabilities and Borrowings": "9.08", "Other Liabilities": "-14.0", "Deposits": "-14.2", "Goodwill": "-0.553", "Assets": "0.211", "Loans and Leases Receivable": "9.10", "Cash Deposits and Cash Equivalents": "-1.15", "Assets and Securities": "-4.34", "Other Assets": "-10.6", "Expenses": "0.359", "Net Income": "-0.535", "Labor Expense": "0.244", "Other Revenues": "-0.143", "Revenues": "-0.143", "Other Compr. Net Income": "0.985", "Comprehensive Net Income": "0.483", "Other Net Income": "-0.763", "Economic Capital Ratio": "-1.33"}, "2014": {"Deposits": "-11.9", "Liabilities": "-2.00", "Cash Deposits and Cash Equivalents": "-1.54", "Stockholders Equity": "-1.96", "ECR before LimitedLiability": "-3.14", "Other Liabilities": "-15.8", "Liabilities and Borrowings": "9.70", "Long-term Debt": "1.13", "Expenses": "0.514", "Net Income": "-0.659", "Labor Expense": "0.299", "Other Revenues": "-0.274", "Revenues": "-0.274", "Other Assets": "-8.54", "Assets and Securities": "-4.32", "Goodwill": "-0.627", "Loans and Leases Receivable": "9.54", "Comprehensive Net Income": "-0.972", "Other Net Income": "-0.914", "Other Compr. Net Income": "-0.307", "Economic Capital Ratio": "-3.18"}, "2015": {"Deposits": "-13.1", "Liabilities": "-1.85", "Stockholders Equity": "-1.92", "ECR before LimitedLiability": "-2.79", "Long-term Debt": "0.992", "Other Liabilities": "-16.8", "Liabilities and Borrowings": "8.94", "Loans and Leases Receivable": "8.42", "Assets": "-0.172", "Assets and Securities": "-3.96", "Cash Deposits and Cash Equivalents": "-1.21", "Goodwill": "-0.615", "Other Assets": "-7.20", "Expenses": "0.546", "Revenues": "-0.292", "Net Income": "-0.718", "Labor Expense": "0.249", "Other Revenues": "-0.292", "Comprehensive Net Income": "-0.678", "Other Net Income": "-0.997", "Economic Capital Ratio": "-2.83"}, "2016": {"Liabilities and Borrowings": "9.34", "Liabilities": "-2.00", "Stockholders Equity": "-1.56", "ECR before LimitedLiability": "-2.40", "Deposits": "-14.0", "Other Liabilities": "-16.9", "Long-term Debt": "0.749", "Assets and Securities": "-4.77", "Assets": "0.266", "Other Assets": "-3.88", "Goodwill": "-0.801", "Loans and Leases Receivable": "8.04", "Cash Deposits and Cash Equivalents": "-1.59", "Expenses": "0.870", "Revenues": "-0.467", "Net Income": "-0.763", "Labor Expense": "0.406", "Other Revenues": "-0.467", "Comprehensive Net Income": "-0.623", "Other Net Income": "-1.21", "Economic Capital Ratio": "-2.45"}, "2017": {"Other Liabilities": "-21.0", "Liabilities": "-2.03", "Stockholders Equity": "-2.13", "ECR before LimitedLiability": "-2.85", "Liabilities and Borrowings": "9.48", "Long-term Debt": "0.688", "Deposits": "-9.15", "Loans and Leases Receivable": "7.68", "Assets": "-0.217", "Cash Deposits and Cash Equivalents": "-1.54", "Assets and Securities": "-4.50", "Other Assets": "-3.43", "Goodwill": "-0.969", "Expenses": "0.599", "Revenues": "-0.511", "Net Income": "-0.688", "Labor Expense": "0.496", "Other Revenues": "-0.511", "Comprehensive Net Income": "-0.515", "Other Net Income": "-0.796", "Economic Capital Ratio": "-2.90"}, "2018": {"Other Liabilities": "-23.6", "Liabilities": "-4.31", "Assets": "1.76", "Stockholders Equity": "-1.91", "ECR before LimitedLiability": "-2.27", "Long-term Debt": "0.614", "Liabilities and Borrowings": "10.5", "Deposits": "-10.8", "Assets and Securities": "-7.92", "Loans and Leases Receivable": "9.25", "Goodwill": "-1.06", "Cash Deposits and Cash Equivalents": "-1.62", "Labor Expense": "1.90", "Expenses": "3.21", "Occupancy": "0.331", "Other Noninterest Expense": "0.463", "Other Expenses": "0.297", "Other Revenues": "-0.752", "Revenues": "-0.752", "Economic Capital Ratio": "-2.36", "Other Net Income": "-2.98"}, "2019": {"Long-term Debt": "0.557", "Liabilities": "-4.27", "Stockholders Equity": "-1.86", "ECR before LimitedLiability": "-2.41", "Deposits": "-10.7", "Other Liabilities": "-26.4", "Liabilities and Borrowings": "12.8", "Loans and Leases Receivable": "9.02", "Assets": "1.80", "Other Assets": "-7.65", "Goodwill": "-1.09", "Cash Deposits and Cash Equivalents": "-1.97", "Assets and Securities": "2.68", "Expenses": "3.64", "Other Expenses": "0.483", "Labor Expense": "2.05", "Other Revenues": "-0.829", "Revenues": "-0.829", "Economic Capital Ratio": "-2.43", "Other Compr. Net Income": "0.504", "Other Net Income": "-3.33"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "53,733", "Deposits": "1,635,992", "Fees": "0", "Goodwill": "5,656", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "14,675", "Loans and Leases Receivable": "1,497,089", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "263,556", "Other Compr. Net Income": "-1,954", "Other Expenses": "6,951", "Other Liabilities": "47,924", "Other Net Income": "20,480", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "29,891"}, "output_variables": {"Liabilities": "1,698,591", "Assets": "1,849,925", "Expenses": "6,951", "Revenues": "0", "Stockholders Equity": "151,334", "Net Income": "13,529", "Comprehensive Net Income": "11,575", "BaseVar": "1,827,592", "ECR before LimitedLiability": "8.9%", "Economic Capital Ratio": "9.1%"}}, "2014": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "40,146", "Deposits": "1,768,546", "Fees": "0", "Goodwill": "5,656", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "16,441", "Loans and Leases Receivable": "1,647,854", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "298,202", "Other Compr. Net Income": "-1,951", "Other Expenses": "7,801", "Other Liabilities": "70,291", "Other Net Income": "22,635", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "30,370"}, "output_variables": {"Liabilities": "1,855,278", "Assets": "2,022,228", "Expenses": "7,801", "Revenues": "0", "Stockholders Equity": "166,950", "Net Income": "14,834", "Comprehensive Net Income": "12,883", "BaseVar": "1,997,535", "ECR before LimitedLiability": "9.0%", "Economic Capital Ratio": "9.2%"}}, "2015": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "51,495", "Deposits": "2,018,148", "Fees": "0", "Goodwill": "5,656", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "18,287", "Loans and Leases Receivable": "1,832,663", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "365,164", "Other Compr. Net Income": "1,617", "Other Expenses": "8,302", "Other Liabilities": "68,769", "Other Net Income": "24,756", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "30,553"}, "output_variables": {"Liabilities": "2,105,204", "Assets": "2,285,531", "Expenses": "8,302", "Revenues": "0", "Stockholders Equity": "180,327", "Net Income": "16,454", "Comprehensive Net Income": "18,071", "BaseVar": "2,258,303", "ECR before LimitedLiability": "9.3%", "Economic Capital Ratio": "9.5%"}}, "2016": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "50,475", "Deposits": "2,268,921", "Fees": "0", "Goodwill": "5,656", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "16,794", "Loans and Leases Receivable": "1,992,956", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "443,642", "Other Compr. Net Income": "-2,401", "Other Expenses": "9,565", "Other Liabilities": "25,768", "Other Net Income": "28,940", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "33,540"}, "output_variables": {"Liabilities": "2,311,483", "Assets": "2,526,269", "Expenses": "9,565", "Revenues": "0", "Stockholders Equity": "214,786", "Net Income": "19,375", "Comprehensive Net Income": "16,974", "BaseVar": "2,493,122", "ECR before LimitedLiability": "9.4%", "Economic Capital Ratio": "9.5%"}}, "2017": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "54,806", "Deposits": "2,441,362", "Fees": "0", "Goodwill": "5,656", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "40,067", "Loans and Leases Receivable": "2,237,197", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "482,883", "Other Compr. Net Income": "-1,107", "Other Expenses": "23,431", "Other Liabilities": "104,325", "Other Net Income": "39,025", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "37,022"}, "output_variables": {"Liabilities": "2,585,754", "Assets": "2,817,564", "Expenses": "23,431", "Revenues": "0", "Stockholders Equity": "231,810", "Net Income": "15,594", "Comprehensive Net Income": "14,486", "BaseVar": "2,817,027", "ECR before LimitedLiability": "8.6%", "Economic Capital Ratio": "8.8%"}}, "2018": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "63,120", "Deposits": "2,564,782", "Fees": "0", "Goodwill": "5,656", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "27,948", "Loans and Leases Receivable": "2,354,358", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "503,636", "Other Compr. Net Income": "-279", "Other Expenses": "11,200", "Other Liabilities": "116,331", "Other Net Income": "38,587", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "37,588"}, "output_variables": {"Liabilities": "2,709,061", "Assets": "2,964,358", "Expenses": "11,200", "Revenues": "0", "Stockholders Equity": "255,297", "Net Income": "27,387", "Comprehensive Net Income": "27,108", "BaseVar": "2,927,578", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2019": {"input_variables": {"Assets and Securities": "504,788", "Cash Deposits and Cash Equivalents": "63,794", "Deposits": "2,786,730", "Fees": "0", "Goodwill": "5,656", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "21,683", "Loans and Leases Receivable": "2,532,446", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "82,946", "Other Compr. Net Income": "-1,657", "Other Expenses": "9,965", "Other Liabilities": "129,995", "Other Net Income": "48,069", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "45,419"}, "output_variables": {"Liabilities": "2,938,408", "Assets": "3,235,049", "Expenses": "9,965", "Revenues": "0", "Stockholders Equity": "296,641", "Net Income": "38,103", "Comprehensive Net Income": "36,446", "BaseVar": "3,195,067", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": -3.0, "value": 0.12822156858607328, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001018399.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001018399.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001018399.svg"}, {"company_id": "0000743367", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000743367.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 105, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 13% points.The greatest weakness of BAR Harbor Bankshares is the variable Other Liabilities, reducing the Economic Capital Ratio by 39% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 13%, being 2.4% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000743367_2020_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"}, "2013": {"Goodwill": "-0.459", "Assets": "-1.01", "Deposits": "5.74", "Stockholders Equity": "-1.04", "Loans and Leases Receivable": "2.03", "Cash Deposits and Cash Equivalents": "-2.53", "Assets and Securities": "-3.18", "Other Assets": "2.39", "Property, Plant and Equipment": "-0.0989", "Expenses": "0.321", "Revenues": "-0.123", "Net Income": "0.155", "Labor Expense": "0.208", "Other Revenues": "-0.123", "ECR before LimitedLiability": "-3.25", "Other Liabilities": "-45.7", "Long-term Debt": "0.648", "Liabilities and Borrowings": "7.05", "Comprehensive Net Income": "-2.11", "Other Compr. Net Income": "-2.29", "Economic Capital Ratio": "-3.39"}, "2014": {"Deposits": "11.7", "Liabilities": "0.549", "Stockholders Equity": "-0.757", "ECR before LimitedLiability": "2.84", "Other Liabilities": "-51.7", "Liabilities and Borrowings": "14.8", "Long-term Debt": "1.34", "Cash Deposits and Cash Equivalents": "-2.53", "Assets": "-1.12", "Other Assets": "5.14", "Assets and Securities": "-3.69", "Goodwill": "-0.615", "Loans and Leases Receivable": "0.953", "Expenses": "0.479", "Net Income": "0.300", "Labor Expense": "0.332", "Other Revenues": "-0.301", "Revenues": "-0.301", "Other Compr. Net Income": "3.17", "Comprehensive Net Income": "3.47", "Economic Capital Ratio": "2.81"}, "2015": {"Deposits": "8.63", "Liabilities": "-0.510", "Stockholders Equity": "-0.548", "ECR before LimitedLiability": "-0.868", "Long-term Debt": "1.12", "Other Liabilities": "-51.3", "Liabilities and Borrowings": "10.8", "Expenses": "0.519", "Net Income": "0.162", "Labor Expense": "0.273", "Other Revenues": "-0.317", "Revenues": "-0.317", "Loans and Leases Receivable": "0.374", "Assets and Securities": "-3.44", "Property, Plant and Equipment": "-0.125", "Cash Deposits and Cash Equivalents": "-2.47", "Goodwill": "-0.608", "Other Assets": "5.46", "Comprehensive Net Income": "-0.268", "Other Compr. Net Income": "-0.431", "Economic Capital Ratio": "-0.908"}, "2016": {"Liabilities and Borrowings": "8.91", "Liabilities": "-1.25", "Assets and Securities": "-3.92", "Stockholders Equity": "-1.25", "ECR before LimitedLiability": "-2.84", "Deposits": "7.27", "Other Liabilities": "-54.1", "Long-term Debt": "0.731", "Expenses": "0.944", "Net Income": "-0.388", "Labor Expense": "0.398", "Other Revenues": "-0.460", "Revenues": "-0.460", "Other Assets": "5.86", "Goodwill": "-0.753", "Loans and Leases Receivable": "0.466", "Cash Deposits and Cash Equivalents": "-2.66", "Comprehensive Net Income": "-1.42", "Other Net Income": "-0.931", "Other Compr. Net Income": "-1.01", "Economic Capital Ratio": "-2.89"}, "2017": {"Other Liabilities": "-47.7", "Liabilities": "3.56", "Assets": "-4.70", "Stockholders Equity": "-1.39", "ECR before LimitedLiability": "-1.47", "Liabilities and Borrowings": "10.9", "Deposits": "8.74", "Cash Deposits and Cash Equivalents": "-1.35", "Assets and Securities": "8.79", "Other Assets": "-14.4", "Expenses": "-4.69", "Revenues": "2.03", "Net Income": "0.929", "Other Noninterest Expense": "-1.08", "Other Expenses": "1.27", "Occupancy": "-1.10", "Labor Expense": "-3.60", "Other Revenues": "2.03", "Other Net Income": "3.16", "Economic Capital Ratio": "-1.52", "Other Compr. Net Income": "-1.72"}, "2018": {"Other Liabilities": "-44.1", "Liabilities": "-3.72", "Stockholders Equity": "-0.530", "ECR before LimitedLiability": "-1.55", "Long-term Debt": "0.629", "Liabilities and Borrowings": "11.2", "Deposits": "3.78", "Assets": "2.53", "Assets and Securities": "6.80", "Other Assets": "-10.1", "Loans and Leases Receivable": "5.12", "Goodwill": "0.819", "Cash Deposits and Cash Equivalents": "-1.17", "Labor Expense": "1.95", "Expenses": "3.60", "Revenues": "-0.762", "Comprehensive Net Income": "-0.506", "Other Expenses": "0.613", "Other Revenues": "-0.762", "Other Net Income": "-3.52", "Economic Capital Ratio": "-1.64"}, "2019": {"Long-term Debt": "0.549", "Liabilities": "-4.60", "ECR before LimitedLiability": "-2.41", "Other Liabilities": "-39.3", "Liabilities and Borrowings": "12.7", "Loans and Leases Receivable": "6.03", "Assets": "3.43", "Other Assets": "-7.57", "Goodwill": "1.18", "Cash Deposits and Cash Equivalents": "-2.22", "Assets and Securities": "5.73", "Expenses": "4.26", "Net Income": "-1.95", "Other Expenses": "1.22", "Labor Expense": "2.02", "Other Revenues": "-0.817", "Revenues": "-0.817", "Comprehensive Net Income": "-1.18", "Other Compr. Net Income": "0.769", "Other Net Income": "-5.64", "Economic Capital Ratio": "-2.44"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "18,812", "Cash Deposits and Cash Equivalents": "9,200", "Deposits": "835,651", "Fees": "0", "Goodwill": "4,935", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "7,418", "Loans and Leases Receivable": "844,382", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "476,419", "Other Compr. Net Income": "-15,637", "Other Expenses": "5,191", "Other Liabilities": "409,445", "Other Net Income": "18,374", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "20,145"}, "output_variables": {"Liabilities": "1,252,514", "Assets": "1,373,893", "Expenses": "5,191", "Revenues": "0", "Stockholders Equity": "121,379", "Net Income": "13,183", "Comprehensive Net Income": "-2,454", "BaseVar": "1,384,355", "ECR before LimitedLiability": "6.4%", "Economic Capital Ratio": "7.1%"}}, "2014": {"input_variables": {"Assets and Securities": "13,992", "Cash Deposits and Cash Equivalents": "9,800", "Deposits": "858,049", "Fees": "0", "Goodwill": "4,935", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "7,964", "Loans and Leases Receivable": "910,055", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "500,020", "Other Compr. Net Income": "-15,537", "Other Expenses": "6,014", "Other Liabilities": "447,020", "Other Net Income": "20,867", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "20,518"}, "output_variables": {"Liabilities": "1,313,033", "Assets": "1,459,320", "Expenses": "6,014", "Revenues": "0", "Stockholders Equity": "146,287", "Net Income": "14,854", "Comprehensive Net Income": "-684", "BaseVar": "1,463,166", "ECR before LimitedLiability": "7.9%", "Economic Capital Ratio": "8.3%"}}, "2015": {"input_variables": {"Assets and Securities": "13,900", "Cash Deposits and Cash Equivalents": "9,720", "Deposits": "942,787", "Fees": "0", "Goodwill": "4,935", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "8,325", "Loans and Leases Receivable": "980,631", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "550,195", "Other Compr. Net Income": "6,678", "Other Expenses": "5,974", "Other Liabilities": "474,791", "Other Net Income": "21,216", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "20,674"}, "output_variables": {"Liabilities": "1,425,903", "Assets": "1,580,055", "Expenses": "5,974", "Revenues": "0", "Stockholders Equity": "154,152", "Net Income": "15,242", "Comprehensive Net Income": "21,920", "BaseVar": "1,564,450", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2016": {"input_variables": {"Assets and Securities": "21,274", "Cash Deposits and Cash Equivalents": "8,439", "Deposits": "1,050,300", "Fees": "0", "Goodwill": "4,935", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "11,713", "Loans and Leases Receivable": "1,118,645", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "578,637", "Other Compr. Net Income": "-6,100", "Other Expenses": "5,864", "Other Liabilities": "536,596", "Other Net Income": "20,759", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "23,419"}, "output_variables": {"Liabilities": "1,598,609", "Assets": "1,755,349", "Expenses": "5,864", "Revenues": "0", "Stockholders Equity": "156,740", "Net Income": "14,896", "Comprehensive Net Income": "8,796", "BaseVar": "1,736,370", "ECR before LimitedLiability": "9.1%", "Economic Capital Ratio": "9.3%"}}, "2017": {"input_variables": {"Assets and Securities": "779,736", "Cash Deposits and Cash Equivalents": "90,685", "Deposits": "2,352,085", "Fees": "1,655", "Goodwill": "100,085", "IT and Equipment Expense": "1,289", "Labor Expense": "39,589", "Liabilities and Borrowings": "28,737", "Loans and Leases Receivable": "2,473,288", "Long-term Debt": "0", "Occupancy": "11,633", "Other Assets": "73,682", "Other Compr. Net Income": "-13,670", "Other Expenses": "7,379", "Other Liabilities": "829,721", "Other Net Income": "93,195", "Other Noninterest Expense": "11,352", "Other Revenues": "25,982", "Property, Plant and Equipment": "47,708"}, "output_variables": {"Liabilities": "3,210,543", "Assets": "3,565,184", "Expenses": "72,897", "Revenues": "25,982", "Stockholders Equity": "354,641", "Net Income": "46,280", "Comprehensive Net Income": "32,610", "BaseVar": "3,761,288", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2018": {"input_variables": {"Assets and Securities": "791,349", "Cash Deposits and Cash Equivalents": "98,754", "Deposits": "2,483,238", "Fees": "1,624", "Goodwill": "100,085", "IT and Equipment Expense": "1,265", "Labor Expense": "38,853", "Liabilities and Borrowings": "30,874", "Loans and Leases Receivable": "2,476,361", "Long-term Debt": "0", "Occupancy": "11,417", "Other Assets": "93,134", "Other Compr. Net Income": "-10,256", "Other Expenses": "7,613", "Other Liabilities": "723,796", "Other Net Income": "62,916", "Other Noninterest Expense": "11,141", "Other Revenues": "25,499", "Property, Plant and Equipment": "48,804"}, "output_variables": {"Liabilities": "3,237,908", "Assets": "3,608,487", "Expenses": "71,914", "Revenues": "25,499", "Stockholders Equity": "370,579", "Net Income": "16,502", "Comprehensive Net Income": "6,246", "BaseVar": "3,732,810", "ECR before LimitedLiability": "9.0%", "Economic Capital Ratio": "9.2%"}}, "2019": {"input_variables": {"Assets and Securities": "726,020", "Cash Deposits and Cash Equivalents": "56,910", "Deposits": "2,695,751", "Fees": "0", "Goodwill": "118,649", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "45,654", "Loans and Leases Receivable": "2,625,739", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "90,605", "Other Compr. Net Income": "9,468", "Other Expenses": "3,946", "Other Liabilities": "531,316", "Other Net Income": "30,498", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "51,205"}, "output_variables": {"Liabilities": "3,272,721", "Assets": "3,669,128", "Expenses": "3,946", "Revenues": "0", "Stockholders Equity": "396,407", "Net Income": "26,552", "Comprehensive Net Income": "36,019", "BaseVar": "3,550,624", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": -19.0, "value": 0.12816446020428282, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000743367.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000743367.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000743367.svg"}, {"company_id": "0000714712", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000714712.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 106, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 28% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 13%, being 2.5% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000714712_2020_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"}, "2013": {"Long-term Debt": "0.879", "Liabilities": "-1.29", "Stockholders Equity": "0.884", "ECR before LimitedLiability": "2.02", "Liabilities and Borrowings": "12.1", "Other Liabilities": "-16.2", "Deposits": "-12.6", "Goodwill": "-0.466", "Assets": "1.90", "Loans and Leases Receivable": "4.37", "Cash Deposits and Cash Equivalents": "-1.87", "Assets and Securities": "-4.33", "Other Assets": "4.16", "Expenses": "1.35", "Revenues": "-0.155", "Comprehensive Net Income": "1.38", "Other Expenses": "0.934", "Labor Expense": "0.267", "Other Revenues": "-0.155", "Other Net Income": "-1.12", "Other Compr. Net Income": "1.29", "Economic Capital Ratio": "1.87"}, "2019": {"Long-term Debt": "-5.46", "Liabilities": "3.42", "Assets": "-4.04", "Stockholders Equity": "-1.17", "ECR before LimitedLiability": "-2.48", "Deposits": "1.24", "Other Liabilities": "-27.7", "Liabilities and Borrowings": "12.7", "Loans and Leases Receivable": "-7.38", "Other Assets": "-7.06", "Cash Deposits and Cash Equivalents": "-2.32", "Assets and Securities": "10.9", "Expenses": "-6.17", "Revenues": "-0.546", "Net Income": "-3.81", "Other Expenses": "-3.67", "IT and Equipment Expense": "-1.41", "Other Revenues": "-0.546", "Comprehensive Net Income": "-1.97", "Other Net Income": "2.82", "Other Compr. Net Income": "1.81", "Economic Capital Ratio": "-2.51"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "249", "Cash Deposits and Cash Equivalents": "8,613", "Deposits": "379,645", "Fees": "0", "Goodwill": "2,046", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "275,511", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "156,033", "Other Compr. Net Income": "-240", "Other Expenses": "505", "Other Liabilities": "19,153", "Other Net Income": "4,506", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "6,330"}, "output_variables": {"Liabilities": "398,798", "Assets": "448,782", "Expenses": "505", "Revenues": "0", "Stockholders Equity": "49,984", "Net Income": "4,001", "Comprehensive Net Income": "3,761", "BaseVar": "433,321", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2019": {"input_variables": {"Assets and Securities": "210,686", "Cash Deposits and Cash Equivalents": "12,740", "Deposits": "531,937", "Fees": "1,069", "Goodwill": "9,047", "IT and Equipment Expense": "2,995", "Labor Expense": "3,594", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "397,629", "Long-term Debt": "45,000", "Occupancy": "1,296", "Other Assets": "31,287", "Other Compr. Net Income": "3,176", "Other Expenses": "8,114", "Other Liabilities": "19,988", "Other Net Income": "18,223", "Other Noninterest Expense": "1,752", "Other Revenues": "633", "Property, Plant and Equipment": "9,243"}, "output_variables": {"Liabilities": "596,925", "Assets": "670,632", "Expenses": "18,820", "Revenues": "633", "Stockholders Equity": "73,707", "Net Income": "36", "Comprehensive Net Income": "3,212", "BaseVar": "707,925", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}}, "top_rated": false, "trend": null, "value": 0.12749313304562052, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000714712.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000714712.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000714712.svg"}, {"company_id": "0000818677", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000818677.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0000818677.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000818677.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000818677_256x256.png", "name": "Security Federal CORP", "rank": 107, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0000818677.svg", "report_text": "The relative strengths and weaknesses of Security Federal 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 Security Federal CORP compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Security Federal CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 32% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 13%, being 2.7% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000818677_2020_Security_Federal_CORP.pdf", "shrinked_graph_json": {"2013": {"Long-term Debt": "0.611", "Liabilities": "-1.21", "Stockholders Equity": "-0.621", "Liabilities and Borrowings": "6.72", "Other Liabilities": "-22.7", "Deposits": "-3.70", "Goodwill": "-0.557", "Assets": "0.458", "Loans and Leases Receivable": "-33.0", "Cash Deposits and Cash Equivalents": "-2.24", "Assets and Securities": "6.73", "Other Assets": "6.31", "Property, Plant and Equipment": "0.242", "Expenses": "0.851", "Net Income": "-1.29", "Other Expenses": "0.561", "ECR before LimitedLiability": "-3.58", "Other Net Income": "-2.20", "Other Compr. Net Income": "-1.22", "Comprehensive Net Income": "-2.66", "Economic Capital Ratio": "-3.72"}, "2014": {"Deposits": "-5.53", "Liabilities": "-0.553", "ECR before LimitedLiability": "0.699", "Other Liabilities": "-21.2", "Liabilities and Borrowings": "12.9", "Long-term Debt": "1.29", "Cash Deposits and Cash Equivalents": "-2.11", "Assets": "0.354", "Comprehensive Net Income": "0.912", "Other Assets": "13.6", "Property, Plant and Equipment": "0.508", "Assets and Securities": "-4.04", "Goodwill": "-0.748", "Loans and Leases Receivable": "-33.7", "Expenses": "0.917", "Net Income": "-0.764", "Other Expenses": "0.388", "Labor Expense": "0.325", "Other Compr. Net Income": "1.67", "Other Net Income": "-1.39", "Economic Capital Ratio": "0.665"}, "2015": {"Deposits": "-8.42", "Liabilities": "-0.438", "Stockholders Equity": "0.866", "Economic Capital Ratio": "-0.105", "Long-term Debt": "1.14", "Other Liabilities": "-20.4", "Liabilities and Borrowings": "11.6", "Loans and Leases Receivable": "-34.5", "Assets": "1.18", "Assets and Securities": "-3.64", "Property, Plant and Equipment": "0.779", "Cash Deposits and Cash Equivalents": "-2.13", "Goodwill": "-0.723", "Other Assets": "11.7", "Expenses": "0.942", "Net Income": "-0.508", "Other Expenses": "0.452", "Other Revenues": "-0.319", "Revenues": "-0.319", "Other Compr. Net Income": "-0.288", "Comprehensive Net Income": "-0.797", "Other Net Income": "-1.15"}, "2016": {"Liabilities and Borrowings": "8.61", "Liabilities": "-1.83", "Assets and Securities": "-4.24", "Stockholders Equity": "-1.31", "Deposits": "-5.07", "Other Liabilities": "-25.4", "Long-term Debt": "0.708", "Other Expenses": "0.627", "Expenses": "1.21", "Net Income": "-0.776", "Other Revenues": "-0.448", "Revenues": "-0.448", "ECR before LimitedLiability": "-3.14", "Comprehensive Net Income": "-1.55", "Property, Plant and Equipment": "0.741", "Other Assets": "8.63", "Goodwill": "-0.827", "Loans and Leases Receivable": "-12.8", "Cash Deposits and Cash Equivalents": "-2.14", "Other Compr. Net Income": "-0.742", "Other Net Income": "-1.66", "Economic Capital Ratio": "-3.18"}, "2017": {"Other Liabilities": "-26.2", "Liabilities": "-2.27", "Loans and Leases Receivable": "-13.2", "Stockholders Equity": "-1.51", "ECR before LimitedLiability": "-1.95", "Liabilities and Borrowings": "10.3", "Long-term Debt": "0.717", "Deposits": "-4.59", "Expenses": "1.38", "Net Income": "-0.962", "Other Expenses": "0.593", "Other Revenues": "-0.524", "Revenues": "-0.524", "Cash Deposits and Cash Equivalents": "-2.09", "Assets and Securities": "-4.19", "Other Assets": "10.4", "Property, Plant and Equipment": "0.818", "Goodwill": "-1.03", "Other Net Income": "-1.89", "Economic Capital Ratio": "-2.00", "Other Compr. Net Income": "0.751"}, "2018": {"Other Liabilities": "-24.6", "Liabilities": "-4.17", "Stockholders Equity": "-1.63", "Liabilities and Borrowings": "8.83", "Deposits": "-8.49", "Property, Plant and Equipment": "0.847", "Assets": "1.77", "ECR before LimitedLiability": "-3.92", "Assets and Securities": "-7.46", "Other Assets": "8.84", "Loans and Leases Receivable": "-9.98", "Goodwill": "-1.04", "Cash Deposits and Cash Equivalents": "-2.07", "Labor Expense": "1.71", "Expenses": "3.16", "Net Income": "-0.748", "Other Revenues": "-0.703", "Revenues": "-0.703", "Comprehensive Net Income": "-1.69", "Other Compr. Net Income": "-0.909", "Other Net Income": "-3.99", "Economic Capital Ratio": "-4.00"}, "2019": {"Liabilities": "-4.72", "Stockholders Equity": "-1.49", "ECR before LimitedLiability": "-2.65", "Deposits": "-5.59", "Other Liabilities": "-31.6", "Liabilities and Borrowings": "12.5", "Loans and Leases Receivable": "-11.4", "Assets": "2.49", "Other Assets": "12.6", "Goodwill": "-1.12", "Property, Plant and Equipment": "1.13", "Cash Deposits and Cash Equivalents": "-2.43", "Assets and Securities": "-8.00", "Expenses": "4.07", "Revenues": "-0.821", "Net Income": "-1.26", "Other Expenses": "1.01", "Labor Expense": "2.02", "Other Revenues": "-0.821", "Other Net Income": "-4.75", "Other Compr. Net Income": "0.894", "Economic Capital Ratio": "-2.68"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0000818677_strength_weakness.svg", "table_records": {"2013": {"input_variables": {"Assets and Securities": "438,551", "Cash Deposits and Cash Equivalents": "7,630", "Deposits": "658,697", "Fees": "0", "Goodwill": "1,200", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "13,327", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "384,624", "Other Compr. 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Net Income": "5,004", "Other Expenses": "2,303", "Other Liabilities": "64,405", "Other Net Income": "8,114", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "18,233"}, "output_variables": {"Liabilities": "737,928", "Assets": "825,364", "Expenses": "2,303", "Revenues": "0", "Stockholders Equity": "87,435", "Net Income": "5,811", "Comprehensive Net Income": "10,815", "BaseVar": "809,635", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2015": {"input_variables": {"Assets and Securities": "4,450", "Cash Deposits and Cash Equivalents": "8,382", "Deposits": "652,097", "Fees": "0", "Goodwill": "1,200", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "10,528", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "765,579", "Other Compr. Net Income": "-1,214", "Other Expenses": "2,067", "Other Liabilities": "46,136", "Other Net Income": "8,183", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "20,117"}, "output_variables": {"Liabilities": "708,760", "Assets": "799,728", "Expenses": "2,067", "Revenues": "0", "Stockholders Equity": "90,967", "Net Income": "6,116", "Comprehensive Net Income": "4,902", "BaseVar": "775,051", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2016": {"input_variables": {"Assets and Securities": "5,448", "Cash Deposits and Cash Equivalents": "9,375", "Deposits": "654,103", "Fees": "0", "Goodwill": "1,200", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "14,571", "Loans and Leases Receivable": "355,479", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "419,983", "Other Compr. Net Income": "-2,283", "Other Expenses": "1,826", "Other Liabilities": "72,895", "Other Net Income": "7,584", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "21,198"}, "output_variables": {"Liabilities": "741,569", "Assets": "812,682", "Expenses": "1,826", "Revenues": "0", "Stockholders Equity": "71,112", "Net Income": "5,759", "Comprehensive Net Income": "3,476", "BaseVar": "798,348", "ECR before LimitedLiability": "8.7%", "Economic Capital Ratio": "8.9%"}}, "2017": {"input_variables": {"Assets and Securities": "3,795", "Cash Deposits and Cash Equivalents": "10,320", "Deposits": "702,107", "Fees": "0", "Goodwill": "1,200", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "17,114", "Loans and Leases Receivable": "387,441", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "443,259", "Other Compr. 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Net Income": "-995", "Other Expenses": "1,791", "Other Liabilities": "47,870", "Other Net Income": "9,099", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "24,175"}, "output_variables": {"Liabilities": "832,096", "Assets": "912,614", "Expenses": "1,791", "Revenues": "0", "Stockholders Equity": "80,518", "Net Income": "7,308", "Comprehensive Net Income": "6,313", "BaseVar": "893,925", "ECR before LimitedLiability": "9.7%", "Economic Capital Ratio": "9.9%"}}, "2019": {"input_variables": {"Assets and Securities": "3,738", "Cash Deposits and Cash Equivalents": "12,536", "Deposits": "771,407", "Fees": "0", "Goodwill": "1,200", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "17,784", "Loans and Leases Receivable": "452,859", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "465,675", "Other Compr. 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We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Prime Meridian Holding Co compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Prime Meridian Holding Co 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 2.8% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001586454_2020_Prime_Meridian_Holding_Co.pdf", "shrinked_graph_json": {"2018": {"Other Liabilities": "-20.1", "Liabilities": "-2.37", "Assets": "3.33", "Stockholders Equity": "1.48", "ECR before LimitedLiability": "1.29", "Long-term Debt": "0.665", "Liabilities and Borrowings": "13.9", "Deposits": "-13.3", "Other Assets": "-9.52", "Loans and Leases Receivable": "8.31", "Goodwill": "-1.20", "Cash Deposits and Cash Equivalents": "5.68", "Labor Expense": "2.07", "Expenses": "3.57", "Occupancy": "0.349", "Other Noninterest Expense": "0.489", "IT and Equipment Expense": "0.295", "Other Revenues": "-0.782", "Revenues": "-0.782", "Economic Capital Ratio": "1.21", "Other Net Income": "-2.80"}, "2019": {"Long-term Debt": "0.546", "Liabilities": "-4.38", "ECR before LimitedLiability": "-2.82", "Deposits": "-14.0", "Other Liabilities": "-22.4", "Liabilities and Borrowings": "12.4", "Loans and Leases Receivable": "3.33", "Assets": "3.50", "Other Assets": "-6.80", "Goodwill": "-1.20", "Cash Deposits and Cash Equivalents": "6.96", "Assets and Securities": "0.541", "Expenses": "3.87", "Net Income": "-1.60", "Other Expenses": "0.832", "Labor Expense": "2.00", "Other Revenues": "-0.815", "Revenues": "-0.815", "Comprehensive Net Income": "-1.88", "Other Net Income": "-4.89", "Economic Capital Ratio": "-2.84"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001586454_strength_weakness.svg", "table_records": {"2018": {"input_variables": {"Assets and Securities": "45,914", "Cash Deposits and Cash Equivalents": "48,038", "Deposits": "349,067", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "978", "Loans and Leases Receivable": "290,113", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "12,981", "Other Compr. 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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 28% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 12%, being 3.1% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000706863_2020_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. 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Net Income": "1.35", "Other Net Income": "0.928", "Economic Capital Ratio": "0.531"}, "2013": {"Long-term Debt": "0.904", "Liabilities": "-1.04", "Stockholders Equity": "-1.48", "ECR before LimitedLiability": "2.53", "Liabilities and Borrowings": "12.6", "Other Liabilities": "-15.0", "Deposits": "-14.1", "Goodwill": "-0.541", "Assets": "-0.482", "Loans and Leases Receivable": "11.6", "Cash Deposits and Cash Equivalents": "0.466", "Assets and Securities": "-3.39", "Other Assets": "-11.4", "Expenses": "0.633", "Net Income": "1.20", "Other Expenses": "0.205", "Labor Expense": "0.274", "Other Net Income": "0.734", "Other Compr. Net Income": "2.81", "Comprehensive Net Income": "3.93", "Economic Capital Ratio": "2.38"}, "2014": {"Deposits": "-12.2", "Liabilities": "-1.28", "Stockholders Equity": "-2.09", "ECR before LimitedLiability": "-2.46", "Other Liabilities": "-15.9", "Liabilities and Borrowings": "10.4", "Long-term Debt": "1.19", "Cash Deposits and Cash Equivalents": "1.73", "Assets": "-0.813", "Other Assets": "-9.43", "Assets and Securities": "-3.55", "Goodwill": "-0.591", "Loans and Leases Receivable": "8.52", "Expenses": "0.754", "Net Income": "1.11", "Labor Expense": "0.310", "Other Revenues": "-0.283", "Revenues": "-0.283", "Other Compr. Net Income": "-1.47", "Comprehensive Net Income": "-0.319", "Other Net Income": "0.640", "Economic Capital Ratio": "-2.50"}, "2015": {"Deposits": "-13.7", "Liabilities": "-0.825", "Stockholders Equity": "-1.61", "ECR before LimitedLiability": "-0.649", "Long-term Debt": "1.13", "Other Liabilities": "-15.9", "Liabilities and Borrowings": "11.0", "Loans and Leases Receivable": "9.27", "Assets": "-0.767", "Assets and Securities": "-3.16", "Property, Plant and Equipment": "0.418", "Cash Deposits and Cash Equivalents": "-0.866", "Goodwill": "-0.584", "Other Assets": "-8.34", "Expenses": "0.649", "Net Income": "1.18", "Other Revenues": "-0.319", "Revenues": "-0.319", "Comprehensive Net Income": "0.940", "Other Net Income": "0.859", "Economic Capital Ratio": "-0.690"}, "2016": {"Liabilities and Borrowings": "10.7", "Liabilities": "-1.73", "Stockholders Equity": "-1.97", "ECR before LimitedLiability": "-1.04", "Deposits": "-10.2", "Other Liabilities": "-21.1", "Long-term Debt": "0.809", "Other Expenses": "0.509", "Expenses": "1.18", "Net Income": "0.936", "Labor Expense": "0.433", "Other Revenues": "-0.493", "Revenues": "-0.493", "Assets and Securities": "-3.90", "Property, Plant and Equipment": "0.342", "Other Assets": "-6.38", "Goodwill": "-0.765", "Loans and Leases Receivable": "8.40", "Cash Deposits and Cash Equivalents": "0.979", "Comprehensive Net Income": "1.01", "Economic Capital Ratio": "-1.08"}, "2017": {"Other Liabilities": "-21.9", "Liabilities": "-1.75", "Stockholders Equity": "-2.52", "ECR before LimitedLiability": "-2.17", "Liabilities and Borrowings": "10.2", "Long-term Debt": "0.719", "Deposits": "-8.79", "Loans and Leases Receivable": "7.93", "Assets": "-0.808", "Cash Deposits and Cash Equivalents": "0.690", "Assets and Securities": "-3.61", "Other Assets": "-6.28", "Goodwill": "-0.924", "Expenses": "0.958", "Net Income": "0.843", "Labor Expense": "0.515", "Other Revenues": "-0.527", "Revenues": "-0.527", "Comprehensive Net Income": "0.423", "Other Compr. Net Income": "-0.435", "Economic Capital Ratio": "-2.22"}, "2018": {"Other Liabilities": "-23.3", "Liabilities": "-4.60", "Assets": "1.53", "Stockholders Equity": "-2.45", "ECR before LimitedLiability": "-1.07", "Long-term Debt": "0.639", "Liabilities and Borrowings": "11.6", "Deposits": "-11.9", "Assets and Securities": "-0.695", "Other Assets": "-9.50", "Loans and Leases Receivable": "9.84", "Goodwill": "-1.01", "Labor Expense": "1.99", "Expenses": "3.89", "Revenues": "-0.769", "Comprehensive Net Income": "1.79", "Other Expenses": "0.859", "Other Revenues": "-0.769", "Other Compr. Net Income": "2.27", "Other Net Income": "-3.97", "Economic Capital Ratio": "-1.16"}, "2019": {"Long-term Debt": "0.548", "Liabilities": "-4.99", "Stockholders Equity": "-2.61", "ECR before LimitedLiability": "-3.11", "Deposits": "-9.63", "Other Liabilities": "-27.8", "Liabilities and Borrowings": "12.1", "Loans and Leases Receivable": "7.50", "Assets": "1.69", "Other Assets": "-7.36", "Goodwill": "-1.03", "Property, Plant and Equipment": "0.800", "Cash Deposits and Cash Equivalents": "0.844", "Other Noninterest Expense": "0.431", "Expenses": "3.91", "Other Expenses": "0.889", "Labor Expense": "2.01", "Other Revenues": "-0.822", "Revenues": "-0.822", "Economic Capital Ratio": "-3.14", "Other Net Income": "-3.12"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "8,800", "Cash Deposits and Cash Equivalents": "30,719", "Deposits": "518,354", "Fees": "0", "Goodwill": "2,223", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "456,636", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "76,387", "Other Compr. Net Income": "2,087", "Other Expenses": "1,862", "Other Liabilities": "17,269", "Other Net Income": "8,997", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "10,678"}, "output_variables": {"Liabilities": "535,623", "Assets": "585,443", "Expenses": "1,862", "Revenues": "0", "Stockholders Equity": "49,820", "Net Income": "7,135", "Comprehensive Net Income": "9,222", "BaseVar": "584,030", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2014": {"input_variables": {"Assets and Securities": "7,354", "Cash Deposits and Cash Equivalents": "41,744", "Deposits": "552,064", "Fees": "0", "Goodwill": "2,223", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "475,639", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "85,250", "Other Compr. Net Income": "-1,661", "Other Expenses": "2,068", "Other Liabilities": "20,565", "Other Net Income": "10,004", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "11,853"}, "output_variables": {"Liabilities": "572,629", "Assets": "624,063", "Expenses": "2,068", "Revenues": "0", "Stockholders Equity": "51,434", "Net Income": "7,936", "Comprehensive Net Income": "6,275", "BaseVar": "623,271", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "11%"}}, "2015": {"input_variables": {"Assets and Securities": "8,175", "Cash Deposits and Cash Equivalents": "17,961", "Deposits": "560,408", "Fees": "0", "Goodwill": "2,223", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,339", "Loans and Leases Receivable": "495,820", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "91,645", "Other Compr. Net Income": "-965", "Other Expenses": "2,362", "Other Liabilities": "9,564", "Other Net Income": "10,255", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "13,055"}, "output_variables": {"Liabilities": "575,311", "Assets": "628,879", "Expenses": "2,362", "Revenues": "0", "Stockholders Equity": "53,568", "Net Income": "7,894", "Comprehensive Net Income": "6,928", "BaseVar": "626,747", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2016": {"input_variables": {"Assets and Securities": "9,391", "Cash Deposits and Cash Equivalents": "39,275", "Deposits": "597,660", "Fees": "0", "Goodwill": "2,223", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,847", "Loans and Leases Receivable": "528,692", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "98,275", "Other Compr. Net Income": "-973", "Other Expenses": "1,918", "Other Liabilities": "31,595", "Other Net Income": "10,795", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "13,525"}, "output_variables": {"Liabilities": "635,102", "Assets": "691,381", "Expenses": "1,918", "Revenues": "0", "Stockholders Equity": "56,279", "Net Income": "8,877", "Comprehensive Net Income": "7,905", "BaseVar": "688,080", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2017": {"input_variables": {"Assets and Securities": "9,995", "Cash Deposits and Cash Equivalents": "38,508", "Deposits": "647,574", "Fees": "0", "Goodwill": "2,223", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "8,015", "Loans and Leases Receivable": "582,002", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "98,848", "Other Compr. Net Income": "-979", "Other Expenses": "4,281", "Other Liabilities": "31,581", "Other Net Income": "12,878", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "14,255"}, "output_variables": {"Liabilities": "687,170", "Assets": "745,831", "Expenses": "4,281", "Revenues": "0", "Stockholders Equity": "58,661", "Net Income": "8,597", "Comprehensive Net Income": "7,618", "BaseVar": "749,421", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2018": {"input_variables": {"Assets and Securities": "83,583", "Cash Deposits and Cash Equivalents": "37,289", "Deposits": "706,770", "Fees": "0", "Goodwill": "2,223", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "6,255", "Loans and Leases Receivable": "637,660", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "28,509", "Other Compr. Net Income": "3,660", "Other Expenses": "2,603", "Other Liabilities": "27,821", "Other Net Income": "7,190", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "16,073"}, "output_variables": {"Liabilities": "740,846", "Assets": "805,337", "Expenses": "2,603", "Revenues": "0", "Stockholders Equity": "64,491", "Net Income": "4,587", "Comprehensive Net Income": "8,248", "BaseVar": "797,510", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2019": {"input_variables": {"Assets and Securities": "107,138", "Cash Deposits and Cash Equivalents": "51,134", "Deposits": "744,027", "Fees": "0", "Goodwill": "2,223", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "9,878", "Loans and Leases Receivable": "665,165", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "26,329", "Other Compr. Net Income": "2,455", "Other Expenses": "1,614", "Other Liabilities": "47,164", "Other Net Income": "12,143", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "20,923"}, "output_variables": {"Liabilities": "801,069", "Assets": "872,912", "Expenses": "1,614", "Revenues": "0", "Stockholders Equity": "71,843", "Net Income": "10,529", "Comprehensive Net Income": "12,984", "BaseVar": "866,415", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": -30.0, "value": 0.1212186296846353, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000706863.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000706863.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000706863.svg"}, {"company_id": "0001166928", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001166928.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 110, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 32% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 12%, being 3.4% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001166928_2020_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"}, "2013": {"Liabilities": "-0.467", "Stockholders Equity": "-1.43", "ECR before LimitedLiability": "-0.298", "Liabilities and Borrowings": "9.94", "Other Liabilities": "-20.6", "Deposits": "-5.78", "Goodwill": "-0.801", "Assets": "-0.908", "Loans and Leases Receivable": "6.25", "Cash Deposits and Cash Equivalents": "-1.21", "Assets and Securities": "-3.98", "Other Assets": "-1.48", "Property, Plant and Equipment": "-0.787", "Other Revenues": "-0.152", "Revenues": "-0.152", "Net Income": "0.937", "Other Net Income": "1.14", "Comprehensive Net Income": "1.05", "Other Expenses": "-0.473", "Labor Expense": "0.259", "Economic Capital Ratio": "-0.446"}, "2014": {"Deposits": "-3.00", "Liabilities": "-0.841", "Stockholders Equity": "-1.80", "ECR before LimitedLiability": "-0.348", "Other Liabilities": "-25.5", "Liabilities and Borrowings": "12.3", "Long-term Debt": "0.615", "Cash Deposits and Cash Equivalents": "-1.27", "Assets": "-0.934", "Other Assets": "-2.50", "Property, Plant and Equipment": "-0.677", "Assets and Securities": "-3.94", "Goodwill": "-0.862", "Loans and Leases Receivable": "7.55", "Expenses": "0.441", "Revenues": "-0.294", "Net Income": "1.19", "Labor Expense": "0.325", "Other Revenues": "-0.294", "Comprehensive Net Income": "1.43", "Other Net Income": "1.04", "Economic Capital Ratio": "-0.382"}, "2015": {"Deposits": "-6.93", "Liabilities": "-0.320", "Stockholders Equity": "-1.50", "Economic Capital Ratio": "-0.164", "Long-term Debt": "0.762", "Other Liabilities": "-23.3", "Liabilities and Borrowings": "11.6", "Loans and Leases Receivable": "5.35", "Assets": "-1.10", "Assets and Securities": "-3.94", "Property, Plant and Equipment": "-0.611", "Goodwill": "-0.848", "Other Assets": "-1.54", "Other Revenues": "-0.324", "Revenues": "-0.324", "Net Income": "1.15", "Other Compr. Net Income": "0.143", "Comprehensive Net Income": "1.29", "Other Expenses": "-0.608", "Labor Expense": "0.280", "Other Net Income": "1.56"}, "2016": {"Liabilities and Borrowings": "11.8", "Liabilities": "-0.844", "Stockholders Equity": "-1.41", "Economic Capital Ratio": "0", "Deposits": "-7.21", "Other Liabilities": "-24.6", "Long-term Debt": "0.614", "Assets and Securities": "-4.68", "Assets": "-0.575", "Property, Plant and Equipment": "-0.163", "Other Assets": "-2.62", "Goodwill": "-1.01", "Loans and Leases Receivable": "7.14", "Other Expenses": "-0.368", "Expenses": "0.347", "Net Income": "0.994", "Labor Expense": "0.447", "Other Revenues": "-0.507", "Revenues": "-0.507", "Other Compr. Net Income": "0.475", "Comprehensive Net Income": "1.46", "Other Net Income": "1.15"}, "2017": {"Other Liabilities": "-22.8", "Liabilities": "-1.29", "Stockholders Equity": "-2.12", "ECR before LimitedLiability": "-1.54", "Liabilities and Borrowings": "10.8", "Deposits": "-7.75", "Loans and Leases Receivable": "3.61", "Assets": "-0.835", "Cash Deposits and Cash Equivalents": "-1.37", "Assets and Securities": "-4.42", "Other Assets": "2.49", "Goodwill": "-1.15", "Expenses": "0.455", "Revenues": "-0.538", "Net Income": "0.717", "Other Expenses": "-0.387", "Labor Expense": "0.528", "Other Revenues": "-0.538", "Comprehensive Net Income": "0.609", "Other Net Income": "0.792", "Economic Capital Ratio": "-1.59"}, "2018": {"Other Liabilities": "-28.5", "Liabilities": "-3.91", "Stockholders Equity": "-2.22", "ECR before LimitedLiability": "-2.06", "Liabilities and Borrowings": "10.7", "Deposits": "-6.41", "Assets": "1.19", "Assets and Securities": "-7.73", "Other Assets": "3.37", "Loans and Leases Receivable": "7.60", "Goodwill": "-1.21", "Cash Deposits and Cash Equivalents": "-1.69", "Labor Expense": "1.93", "Expenses": "3.32", "Revenues": "-0.761", "Net Income": "0.791", "Other Noninterest Expense": "0.470", "Other Revenues": "-0.761", "Comprehensive Net Income": "0.543", "Other Net Income": "-2.09", "Economic Capital Ratio": "-2.15"}, "2019": {"Liabilities": "-4.80", "Assets": "1.80", "Stockholders Equity": "-2.33", "ECR before LimitedLiability": "-3.37", "Deposits": "-6.14", "Other Liabilities": "-32.2", "Liabilities and Borrowings": "11.8", "Loans and Leases Receivable": "8.56", "Expenses": "3.64", "Revenues": "-0.820", "Other Assets": "3.55", "Goodwill": "-1.22", "Cash Deposits and Cash Equivalents": "-1.84", "Assets and Securities": "-8.11", "Other Noninterest Expense": "0.429", "Other Expenses": "0.607", "Occupancy": "0.341", "Labor Expense": "2.00", "Other Revenues": "-0.820", "Economic Capital Ratio": "-3.40", "Other Net Income": "-3.05"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "9,890", "Cash Deposits and Cash Equivalents": "42,425", "Deposits": "1,163,842", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "16,622", "Loans and Leases Receivable": "977,929", "Long-term Debt": "15,935", "Occupancy": "0", "Other Assets": "404,673", "Other Compr. Net Income": "-5,464", "Other Expenses": "7,320", "Other Liabilities": "122,380", "Other Net Income": "24,211", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "7,487"}, "output_variables": {"Liabilities": "1,318,779", "Assets": "1,442,404", "Expenses": "7,320", "Revenues": "0", "Stockholders Equity": "123,625", "Net Income": "16,891", "Comprehensive Net Income": "11,427", "BaseVar": "1,447,737", "ECR before LimitedLiability": "9.9%", "Economic Capital Ratio": "10%"}}, "2014": {"input_variables": {"Assets and Securities": "10,492", "Cash Deposits and Cash Equivalents": "39,781", "Deposits": "1,270,462", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,975", "Loans and Leases Receivable": "1,170,438", "Long-term Debt": "12,676", "Occupancy": "0", "Other Assets": "385,134", "Other Compr. Net Income": "3,792", "Other Expenses": "6,649", "Other Liabilities": "189,545", "Other Net Income": "26,689", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "9,988"}, "output_variables": {"Liabilities": "1,475,658", "Assets": "1,615,833", "Expenses": "6,649", "Revenues": "0", "Stockholders Equity": "140,175", "Net Income": "20,040", "Comprehensive Net Income": "23,832", "BaseVar": "1,613,136", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2015": {"input_variables": {"Assets and Securities": "4,094", "Cash Deposits and Cash Equivalents": "72,651", "Deposits": "1,440,729", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,760", "Loans and Leases Receivable": "1,231,721", "Long-term Debt": "8,415", "Occupancy": "0", "Other Assets": "428,612", "Other Compr. Net Income": "2,262", "Other Expenses": "9,788", "Other Liabilities": "144,359", "Other Net Income": "31,916", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "11,562"}, "output_variables": {"Liabilities": "1,596,263", "Assets": "1,748,640", "Expenses": "9,788", "Revenues": "0", "Stockholders Equity": "152,377", "Net Income": "22,128", "Comprehensive Net Income": "24,390", "BaseVar": "1,752,249", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2016": {"input_variables": {"Assets and Securities": "5,113", "Cash Deposits and Cash Equivalents": "76,836", "Deposits": "1,546,605", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,383,758", "Long-term Debt": "5,126", "Occupancy": "0", "Other Assets": "365,183", "Other Compr. Net Income": "-649", "Other Expenses": "9,945", "Other Liabilities": "137,097", "Other Net Income": "33,121", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "23,314"}, "output_variables": {"Liabilities": "1,688,828", "Assets": "1,854,204", "Expenses": "9,945", "Revenues": "0", "Stockholders Equity": "165,376", "Net Income": "23,176", "Comprehensive Net Income": "22,527", "BaseVar": "1,850,860", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2017": {"input_variables": {"Assets and Securities": "4,809", "Cash Deposits and Cash Equivalents": "47,949", "Deposits": "1,810,813", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,494,070", "Long-term Debt": "22,917", "Occupancy": "0", "Other Assets": "544,527", "Other Compr. Net Income": "-727", "Other Expenses": "13,555", "Other Liabilities": "102,549", "Other Net Income": "36,867", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "23,022"}, "output_variables": {"Liabilities": "1,936,279", "Assets": "2,114,377", "Expenses": "13,555", "Revenues": "0", "Stockholders Equity": "178,098", "Net Income": "23,312", "Comprehensive Net Income": "22,585", "BaseVar": "2,118,164", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2018": {"input_variables": {"Assets and Securities": "8,269", "Cash Deposits and Cash Equivalents": "47,474", "Deposits": "1,894,529", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,705,141", "Long-term Debt": "27,040", "Occupancy": "0", "Other Assets": "514,193", "Other Compr. Net Income": "-2,659", "Other Expenses": "8,146", "Other Liabilities": "183,976", "Other Net Income": "34,918", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "21,491"}, "output_variables": {"Liabilities": "2,105,545", "Assets": "2,296,568", "Expenses": "8,146", "Revenues": "0", "Stockholders Equity": "191,023", "Net Income": "26,772", "Comprehensive Net Income": "24,113", "BaseVar": "2,284,043", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2019": {"input_variables": {"Assets and Securities": "7,836", "Cash Deposits and Cash Equivalents": "53,290", "Deposits": "2,014,756", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,924,428", "Long-term Debt": "22,925", "Occupancy": "0", "Other Assets": "458,457", "Other Compr. Net Income": "-1,848", "Other Expenses": "6,967", "Other Liabilities": "224,190", "Other Net Income": "35,814", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "29,680"}, "output_variables": {"Liabilities": "2,261,871", "Assets": "2,473,691", "Expenses": "6,967", "Revenues": "0", "Stockholders Equity": "211,820", "Net Income": "28,847", "Comprehensive Net Income": "26,999", "BaseVar": "2,448,783", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}}, "top_rated": false, "trend": -13.0, "value": 0.1185990079508123, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001166928.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001166928.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001166928.svg"}, {"company_id": "0001030469", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001030469.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 111, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 12% points.The greatest weakness of OFG Bancorp is the variable Other Liabilities, reducing the Economic Capital Ratio by 28% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 12%, being 3.4% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001030469_2020_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"}, "2013": {"Long-term Debt": "0.958", "Liabilities": "6.43", "Assets": "-7.34", "Net Income": "0.825", "ECR before LimitedLiability": "0.733", "Liabilities and Borrowings": "11.0", "Other Liabilities": "-40.4", "Deposits": "8.83", "Loans and Leases Receivable": "-0.788", "Cash Deposits and Cash Equivalents": "2.53", "Assets and Securities": "8.80", "Other Assets": "-17.3", "Expenses": "-9.94", "Revenues": "0.618", "Other Expenses": "-2.60", "Fees": "-1.44", "Occupancy": "-1.53", "Labor Expense": "-3.97", "Other Revenues": "0.618", "Other Net Income": "8.04", "Economic Capital Ratio": "0.585", "Other Compr. Net Income": "-0.734"}, "2014": {"Deposits": "11.8", "Liabilities": "9.34", "Assets": "-7.93", "Comprehensive Net Income": "0.647", "ECR before LimitedLiability": "2.75", "Other Liabilities": "-40.7", "Liabilities and Borrowings": "15.3", "Long-term Debt": "1.48", "Cash Deposits and Cash Equivalents": "2.30", "Other Assets": "-16.3", "Assets and Securities": "9.70", "Loans and Leases Receivable": "-1.59", "Fees": "-0.802", "Expenses": "-12.3", "Revenues": "0.566", "Occupancy": "-1.74", "Other Expenses": "-4.92", "Labor Expense": "-4.07", "Other Revenues": "0.566", "Other Net Income": "10.7", "Economic Capital Ratio": "2.71"}, "2016": {"Liabilities and Borrowings": "14.5", "Liabilities": "8.99", "Assets": "-6.78", "Stockholders Equity": "2.09", "ECR before LimitedLiability": "2.78", "Deposits": "7.97", "Other Liabilities": "-36.3", "Long-term Debt": "0.982", "Assets and Securities": "10.2", "Other Assets": "-14.5", "Loans and Leases Receivable": "-3.76", "Cash Deposits and Cash Equivalents": "2.40", "Other Expenses": "-4.22", "Expenses": "-11.9", "Labor Expense": "-4.11", "Fees": "-0.850", "Occupancy": "-1.75", "Other Revenues": "3.39", "Revenues": "3.39", "Economic Capital Ratio": "2.74", "Other Net Income": "7.31"}, "2017": {"Other Liabilities": "-28.9", "Liabilities": "9.05", "Assets": "-5.64", "Stockholders Equity": "2.84", "ECR before LimitedLiability": "3.43", "Liabilities and Borrowings": "15.7", "Long-term Debt": "0.888", "Deposits": "4.03", "Loans and Leases Receivable": "-3.00", "Cash Deposits and Cash Equivalents": "2.57", "Assets and Securities": "9.56", "Other Assets": "-13.1", "Fees": "-0.739", "Expenses": "-10.6", "Other Expenses": "-2.81", "Occupancy": "-1.95", "Labor Expense": "-4.45", "Other Revenues": "4.34", "Revenues": "4.34", "Economic Capital Ratio": "3.38", "Other Net Income": "5.73"}, "2018": {"Other Liabilities": "-36.6", "Liabilities": "9.05", "Assets": "-5.50", "Stockholders Equity": "2.47", "ECR before LimitedLiability": "4.46", "Long-term Debt": "0.778", "Liabilities and Borrowings": "17.1", "Deposits": "6.94", "Assets and Securities": "6.00", "Other Assets": "-10.8", "Cash Deposits and Cash Equivalents": "1.45", "Labor Expense": "-2.18", "Expenses": "-9.73", "Revenues": "3.87", "Net Income": "0.645", "Occupancy": "-1.57", "Other Expenses": "-5.22", "Other Revenues": "3.87", "Comprehensive Net Income": "0.718", "Other Net Income": "6.43", "Economic Capital Ratio": "4.37"}, "2019": {"Long-term Debt": "0.538", "Liabilities": "-4.53", "ECR before LimitedLiability": "-3.39", "Deposits": "-9.46", "Other Liabilities": "-28.2", "Liabilities and Borrowings": "11.8", "Loans and Leases Receivable": "5.89", "Assets": "3.66", "Other Assets": "2.19", "Goodwill": "-0.520", "Cash Deposits and Cash Equivalents": "3.31", "Assets and Securities": "-7.23", "Expenses": "3.74", "Net Income": "-2.07", "Other Expenses": "0.774", "Labor Expense": "1.97", "Other Revenues": "-0.809", "Revenues": "-0.809", "Comprehensive Net Income": "-2.52", "Other Net Income": "-5.30", "Economic Capital Ratio": "-3.42"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "1,713,249", "Cash Deposits and Cash Equivalents": "703,468", "Deposits": "5,383,265", "Fees": "31,866", "Goodwill": "86,069", "IT and Equipment Expense": "0", "Labor Expense": "91,957", "Liabilities and Borrowings": "3,663", "Loans and Leases Receivable": "5,019,419", "Long-term Debt": "0", "Occupancy": "34,408", "Other Assets": "552,907", "Other Compr. Net Income": "-52,689", "Other Expenses": "89,593", "Other Liabilities": "1,886,174", "Other Net Income": "336,778", "Other Noninterest Expense": "8,021", "Other Revenues": "17,513", "Property, Plant and Equipment": "82,903"}, "output_variables": {"Liabilities": "7,273,102", "Assets": "8,158,015", "Expenses": "255,845", "Revenues": "17,513", "Stockholders Equity": "884,913", "Net Income": "98,446", "Comprehensive Net Income": "45,757", "BaseVar": "8,918,586", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2014": {"input_variables": {"Assets and Securities": "1,510,781", "Cash Deposits and Cash Equivalents": "573,427", "Deposits": "4,924,406", "Fees": "14,145", "Goodwill": "86,069", "IT and Equipment Expense": "6,019", "Labor Expense": "80,378", "Liabilities and Borrowings": "4,004", "Loans and Leases Receivable": "4,826,646", "Long-term Debt": "0", "Occupancy": "35,012", "Other Assets": "371,587", "Other Compr. Net Income": "-52,563", "Other Expenses": "282,127", "Other Liabilities": "1,578,502", "Other Net Income": "357,906", "Other Noninterest Expense": "28,712", "Other Revenues": "17,361", "Property, Plant and Equipment": "80,599"}, "output_variables": {"Liabilities": "6,506,912", "Assets": "7,449,109", "Expenses": "446,393", "Revenues": "17,361", "Stockholders Equity": "942,197", "Net Income": "-71,125", "Comprehensive Net Income": "-123,688", "BaseVar": "8,564,724", "ECR before LimitedLiability": "4.0%", "Economic Capital Ratio": "5.3%"}}, "2016": {"input_variables": {"Assets and Securities": "1,442,876", "Cash Deposits and Cash Equivalents": "510,439", "Deposits": "4,664,487", "Fees": "14,851", "Goodwill": "86,069", "IT and Equipment Expense": "7,116", "Labor Expense": "70,905", "Liabilities and Borrowings": "61", "Loans and Leases Receivable": "4,147,692", "Long-term Debt": "0", "Occupancy": "27,229", "Other Assets": "244,341", "Other Compr. Net Income": "-468", "Other Expenses": "51,612", "Other Liabilities": "916,865", "Other Net Income": "131,417", "Other Noninterest Expense": "9,266", "Other Revenues": "56,909", "Property, Plant and Equipment": "70,407"}, "output_variables": {"Liabilities": "5,581,413", "Assets": "6,501,824", "Expenses": "180,979", "Revenues": "56,909", "Stockholders Equity": "920,411", "Net Income": "7,347", "Comprehensive Net Income": "6,880", "BaseVar": "6,712,755", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2017": {"input_variables": {"Assets and Securities": "1,230,743", "Cash Deposits and Cash Equivalents": "485,203", "Deposits": "4,799,482", "Fees": "12,197", "Goodwill": "86,069", "IT and Equipment Expense": "8,034", "Labor Expense": "81,689", "Liabilities and Borrowings": "153", "Loans and Leases Receivable": "4,056,329", "Long-term Debt": "0", "Occupancy": "34,024", "Other Assets": "262,849", "Other Compr. Net Income": "-7,652", "Other Expenses": "32,496", "Other Liabilities": "444,311", "Other Net Income": "154,549", "Other Noninterest Expense": "-8,989", "Other Revenues": "80,636", "Property, Plant and Equipment": "67,860"}, "output_variables": {"Liabilities": "5,243,946", "Assets": "6,189,053", "Expenses": "159,452", "Revenues": "80,636", "Stockholders Equity": "945,107", "Net Income": "75,734", "Comprehensive Net Income": "68,081", "BaseVar": "6,446,654", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "17%"}}, "2018": {"input_variables": {"Assets and Securities": "1,336,949", "Cash Deposits and Cash Equivalents": "447,033", "Deposits": "4,908,115", "Fees": "12,445", "Goodwill": "86,069", "IT and Equipment Expense": "8,234", "Labor Expense": "74,329", "Liabilities and Borrowings": "1,214", "Loans and Leases Receivable": "4,431,594", "Long-term Debt": "0", "Occupancy": "33,569", "Other Assets": "212,815", "Other Compr. Net Income": "-6,644", "Other Expenses": "156,064", "Other Liabilities": "674,146", "Other Net Income": "306,167", "Other Noninterest Expense": "10,838", "Other Revenues": "80,324", "Property, Plant and Equipment": "68,892"}, "output_variables": {"Liabilities": "5,583,475", "Assets": "6,583,352", "Expenses": "295,479", "Revenues": "80,324", "Stockholders Equity": "999,877", "Net Income": "91,013", "Comprehensive Net Income": "84,369", "BaseVar": "7,333,248", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "18%"}}, "2019": {"input_variables": {"Assets and Securities": "135,876", "Cash Deposits and Cash Equivalents": "851,307", "Deposits": "7,698,610", "Fees": "-1,009", "Goodwill": "86,069", "IT and Equipment Expense": "129", "Labor Expense": "-64,637", "Liabilities and Borrowings": "1,195", "Loans and Leases Receivable": "6,641,847", "Long-term Debt": "0", "Occupancy": "-27,300", "Other Assets": "1,501,457", "Other Compr. Net Income": "2,799", "Other Expenses": "19,909", "Other Liabilities": "552,378", "Other Net Income": "28,188", "Other Noninterest Expense": "2,823", "Other Revenues": "-9,382", "Property, Plant and Equipment": "81,105"}, "output_variables": {"Liabilities": "8,252,183", "Assets": "9,297,661", "Expenses": "-70,085", "Revenues": "-9,382", "Stockholders Equity": "1,045,478", "Net Income": "88,890", "Comprehensive Net Income": "91,690", "BaseVar": "8,975,396", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}}, "top_rated": false, "trend": -98.0, "value": 0.11841991944443427, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001030469.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001030469.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001030469.svg"}, {"company_id": "0001521951", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001521951.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 112, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 12% points.The greatest weakness of First Business Financial Services INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 41% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 12%, being 3.5% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001521951_2020_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"}, "2013": {"Long-term Debt": "0.846", "Liabilities": "-0.614", "Stockholders Equity": "-1.39", "Economic Capital Ratio": "-0.0823", "Liabilities and Borrowings": "10.3", "Other Liabilities": "-13.6", "Deposits": "-14.1", "Goodwill": "-0.806", "Assets": "-0.745", "Loans and Leases Receivable": "9.48", "Cash Deposits and Cash Equivalents": "1.25", "Assets and Securities": "5.57", "Other Assets": "-18.3", "Property, Plant and Equipment": "-1.10", "Expenses": "-0.337", "Net Income": "0.655", "Other Expenses": "-0.756", "Labor Expense": "0.262", "Other Revenues": "-0.153", "Revenues": "-0.153", "Other Compr. Net Income": "0.752", "Comprehensive Net Income": "1.38", "Other Net Income": "1.13"}, "2014": {"Deposits": "-12.5", "Liabilities": "-1.63", "Stockholders Equity": "-1.85", "ECR before LimitedLiability": "-2.64", "Other Liabilities": "-15.2", "Liabilities and Borrowings": "10.2", "Long-term Debt": "1.17", "Cash Deposits and Cash Equivalents": "1.50", "Assets": "-0.304", "Other Assets": "-14.6", "Property, Plant and Equipment": "-0.923", "Assets and Securities": "2.94", "Goodwill": "-0.838", "Loans and Leases Receivable": "8.97", "Expenses": "0.321", "Revenues": "-0.280", "Comprehensive Net Income": "-0.644", "Labor Expense": "0.307", "Other Revenues": "-0.280", "Other Compr. Net Income": "-0.481", "Economic Capital Ratio": "-2.68"}, "2015": {"Deposits": "-13.3", "Liabilities": "-1.12", "Stockholders Equity": "-1.60", "ECR before LimitedLiability": "-1.41", "Long-term Debt": "1.09", "Other Liabilities": "-16.8", "Liabilities and Borrowings": "10.3", "Loans and Leases Receivable": "9.06", "Assets": "-0.502", "Assets and Securities": "2.45", "Property, Plant and Equipment": "-0.906", "Cash Deposits and Cash Equivalents": "1.62", "Goodwill": "-0.827", "Other Assets": "-14.6", "Other Revenues": "-0.312", "Revenues": "-0.312", "Comprehensive Net Income": "0.237", "Other Compr. Net Income": "0.216", "Other Expenses": "-0.295", "Labor Expense": "0.268", "Economic Capital Ratio": "-1.45"}, "2016": {"Liabilities and Borrowings": "10.5", "Liabilities": "-2.50", "Stockholders Equity": "-1.06", "ECR before LimitedLiability": "-1.27", "Deposits": "-11.7", "Other Liabilities": "-20.1", "Long-term Debt": "0.789", "Assets and Securities": "2.17", "Assets": "1.11", "Property, Plant and Equipment": "-0.887", "Other Assets": "-12.0", "Goodwill": "-0.977", "Loans and Leases Receivable": "9.42", "Other Expenses": "1.08", "Expenses": "1.72", "Labor Expense": "0.423", "Other Revenues": "-0.483", "Revenues": "-0.483", "Economic Capital Ratio": "-1.32", "Other Net Income": "-1.74", "Other Compr. Net Income": "0.476"}, "2017": {"Other Liabilities": "-30.6", "Liabilities": "-2.84", "Stockholders Equity": "-1.03", "ECR before LimitedLiability": "-2.21", "Liabilities and Borrowings": "10.1", "Long-term Debt": "0.701", "Deposits": "-2.68", "Loans and Leases Receivable": "9.51", "Assets": "1.39", "Cash Deposits and Cash Equivalents": "-0.798", "Assets and Securities": "1.71", "Other Assets": "-11.1", "Property, Plant and Equipment": "-0.909", "Goodwill": "-1.11", "Expenses": "2.05", "Revenues": "-0.514", "Net Income": "-0.725", "Other Expenses": "1.32", "Other Revenues": "-0.514", "Comprehensive Net Income": "-0.791", "Other Net Income": "-2.44", "Economic Capital Ratio": "-2.26"}, "2018": {"Other Liabilities": "-37.6", "Liabilities": "-4.95", "Stockholders Equity": "-1.33", "ECR before LimitedLiability": "-2.20", "Long-term Debt": "0.609", "Liabilities and Borrowings": "10.5", "Property, Plant and Equipment": "-0.842", "Assets": "2.71", "Assets and Securities": "-1.68", "Other Assets": "-8.32", "Loans and Leases Receivable": "10.1", "Goodwill": "-1.18", "Labor Expense": "1.89", "Expenses": "3.83", "Revenues": "-0.744", "Net Income": "-0.612", "Other Noninterest Expense": "0.459", "Other Expenses": "1.09", "Other Revenues": "-0.744", "Other Net Income": "-4.29", "Economic Capital Ratio": "-2.28"}, "2019": {"Liabilities": "-5.37", "Assets": "2.84", "Stockholders Equity": "-1.64", "ECR before LimitedLiability": "-3.43", "Other Liabilities": "-41.0", "Liabilities and Borrowings": "11.8", "Loans and Leases Receivable": "10.0", "Comprehensive Net Income": "-0.880", "Other Assets": "-5.90", "Goodwill": "-1.20", "Property, Plant and Equipment": "-0.841", "Cash Deposits and Cash Equivalents": "-1.03", "Assets and Securities": "-0.868", "Expenses": "4.29", "Revenues": "-0.810", "Other Expenses": "1.42", "Labor Expense": "1.98", "Other Revenues": "-0.810", "Other Compr. Net Income": "-0.788", "Other Net Income": "-3.98", "Economic Capital Ratio": "-3.46"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "194,434", "Cash Deposits and Cash Equivalents": "81,286", "Deposits": "1,129,855", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "7,274", "Loans and Leases Receivable": "967,050", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "24,730", "Other Compr. Net Income": "-2,525", "Other Expenses": "7,389", "Other Liabilities": "22,251", "Other Net Income": "21,135", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "1,155"}, "output_variables": {"Liabilities": "1,159,380", "Assets": "1,268,655", "Expenses": "7,389", "Revenues": "0", "Stockholders Equity": "109,275", "Net Income": "13,746", "Comprehensive Net Income": "11,221", "BaseVar": "1,270,371", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2014": {"input_variables": {"Assets and Securities": "170,915", "Cash Deposits and Cash Equivalents": "103,237", "Deposits": "1,438,268", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "9,062", "Loans and Leases Receivable": "1,266,438", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "84,854", "Other Compr. Net Income": "-1,379", "Other Expenses": "6,922", "Other Liabilities": "44,309", "Other Net Income": "21,241", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "3,943"}, "output_variables": {"Liabilities": "1,491,639", "Assets": "1,629,387", "Expenses": "6,922", "Revenues": "0", "Stockholders Equity": "137,748", "Net Income": "14,319", "Comprehensive Net Income": "12,940", "BaseVar": "1,614,131", "ECR before LimitedLiability": "9.8%", "Economic Capital Ratio": "9.9%"}}, "2015": {"input_variables": {"Assets and Securities": "165,430", "Cash Deposits and Cash Equivalents": "113,564", "Deposits": "1,577,231", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "9,288", "Loans and Leases Receivable": "1,417,351", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "82,593", "Other Compr. Net Income": "-3.4", "Other Expenses": "8,999", "Other Liabilities": "45,541", "Other Net Income": "25,692", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "3,954"}, "output_variables": {"Liabilities": "1,632,060", "Assets": "1,782,892", "Expenses": "8,999", "Revenues": "0", "Stockholders Equity": "150,832", "Net Income": "16,693", "Comprehensive Net Income": "16,689", "BaseVar": "1,770,445", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2016": {"input_variables": {"Assets and Securities": "174,500", "Cash Deposits and Cash Equivalents": "77,517", "Deposits": "1,538,855", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "10,514", "Loans and Leases Receivable": "1,430,874", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "94,036", "Other Compr. Net Income": "-395", "Other Expenses": "2,507", "Other Liabilities": "69,680", "Other Net Income": "16,796", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "3,772"}, "output_variables": {"Liabilities": "1,619,049", "Assets": "1,780,699", "Expenses": "2,507", "Revenues": "0", "Stockholders Equity": "161,650", "Net Income": "14,289", "Comprehensive Net Income": "13,894", "BaseVar": "1,735,624", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2017": {"input_variables": {"Assets and Securities": "155,853", "Cash Deposits and Cash Equivalents": "52,539", "Deposits": "1,394,331", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "12,540", "Loans and Leases Receivable": "1,485,026", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "97,492", "Other Compr. Net Income": "-477", "Other Expenses": "2,320", "Other Liabilities": "217,917", "Other Net Income": "13,893", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "3,156"}, "output_variables": {"Liabilities": "1,624,788", "Assets": "1,794,066", "Expenses": "2,320", "Revenues": "0", "Stockholders Equity": "169,278", "Net Income": "11,573", "Comprehensive Net Income": "11,096", "BaseVar": "1,739,718", "ECR before LimitedLiability": "10.0%", "Economic Capital Ratio": "10%"}}, "2018": {"input_variables": {"Assets and Securities": "173,009", "Cash Deposits and Cash Equivalents": "86,546", "Deposits": "1,455,299", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "21,474", "Loans and Leases Receivable": "1,602,517", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "101,101", "Other Compr. Net Income": "-450", "Other Expenses": "1,390", "Other Liabilities": "308,977", "Other Net Income": "17,909", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "3,284"}, "output_variables": {"Liabilities": "1,785,750", "Assets": "1,966,457", "Expenses": "1,390", "Revenues": "0", "Stockholders Equity": "180,707", "Net Income": "16,519", "Comprehensive Net Income": "16,068", "BaseVar": "1,911,948", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2019": {"input_variables": {"Assets and Securities": "221,639", "Cash Deposits and Cash Equivalents": "67,102", "Deposits": "1,530,379", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "35,274", "Loans and Leases Receivable": "1,700,320", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "105,161", "Other Compr. Net Income": "88", "Other Expenses": "1,182", "Other Liabilities": "336,970", "Other Net Income": "25,670", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "2,557"}, "output_variables": {"Liabilities": "1,902,623", "Assets": "2,096,779", "Expenses": "1,182", "Revenues": "0", "Stockholders Equity": "194,156", "Net Income": "24,489", "Comprehensive Net Income": "24,576", "BaseVar": "2,048,596", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": -13.0, "value": 0.1180077383113341, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001521951.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001521951.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001521951.svg"}, {"company_id": "0000314489", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000314489.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 113, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 Assets, increasing the Economic Capital Ratio by 12% points.The greatest weakness of First Busey CORP NV is the variable Loans and Leases Receivable, reducing the Economic Capital Ratio by 38% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 12%, being 3.5% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000314489_2020_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"}, "2013": {"Goodwill": "-0.380", "Assets": "1.18", "Deposits": "-8.40", "Stockholders Equity": "1.27", "ECR before LimitedLiability": "1.47", "Loans and Leases Receivable": "5.02", "Cash Deposits and Cash Equivalents": "1.50", "Assets and Securities": "-3.55", "Other Assets": "-1.92", "Property, Plant and Equipment": "0.204", "Expenses": "0.292", "Revenues": "-0.156", "Net Income": "-0.241", "Labor Expense": "0.269", "Other Revenues": "-0.156", "Other Liabilities": "11.8", "Long-term Debt": "0.880", "Liabilities and Borrowings": "-42.6", "Comprehensive Net Income": "0.300", "Other Net Income": "-0.379", "Other Compr. Net Income": "0.540", "Economic Capital Ratio": "1.32"}, "2014": {"Cash Deposits and Cash Equivalents": "3.82", "Assets": "0.797", "Deposits": "-5.18", "Stockholders Equity": "0.934", "Comprehensive Net Income": "-0.509", "ECR before LimitedLiability": "0.340", "Other Assets": "-2.69", "Property, Plant and Equipment": "0.174", "Assets and Securities": "-3.55", "Goodwill": "-0.439", "Loans and Leases Receivable": "3.60", "Expenses": "0.148", "Other Expenses": "-0.382", "Labor Expense": "0.324", "Other Revenues": "-0.294", "Revenues": "-0.294", "Liabilities and Borrowings": "-38.3", "Other Liabilities": "13.3", "Other Net Income": "0.127", "Other Compr. Net Income": "-0.490", "Economic Capital Ratio": "0.306"}, "2015": {"Deposits": "-7.36", "Liabilities": "-0.441", "Stockholders Equity": "-0.929", "ECR before LimitedLiability": "-0.769", "Long-term Debt": "-0.519", "Other Liabilities": "11.0", "Liabilities and Borrowings": "-31.9", "Loans and Leases Receivable": "1.87", "Assets": "-0.476", "Assets and Securities": "-3.29", "Cash Deposits and Cash Equivalents": "2.76", "Goodwill": "-0.376", "Other Assets": "-1.63", "Other Revenues": "-0.319", "Revenues": "-0.319", "Net Income": "0.203", "Comprehensive Net Income": "0.167", "Other Expenses": "-0.478", "Labor Expense": "0.274", "Other Net Income": "0.497", "Economic Capital Ratio": "-0.809"}, "2016": {"Liabilities and Borrowings": "-31.4", "Liabilities": "-0.458", "Stockholders Equity": "0.359", "ECR before LimitedLiability": "0.538", "Deposits": "-5.94", "Other Liabilities": "12.3", "Long-term Debt": "0.847", "Assets and Securities": "-4.00", "Assets": "0.720", "Other Assets": "-0.813", "Goodwill": "0.389", "Loans and Leases Receivable": "5.71", "Cash Deposits and Cash Equivalents": "-0.866", "Other Expenses": "-0.239", "Expenses": "0.475", "Revenues": "-0.506", "Comprehensive Net Income": "0.293", "Labor Expense": "0.447", "Other Revenues": "-0.506", "Other Compr. Net Income": "0.438", "Economic Capital Ratio": "0.494"}, "2017": {"Other Liabilities": "12.6", "Liabilities": "-0.250", "Stockholders Equity": "0.848", "ECR before LimitedLiability": "0.339", "Liabilities and Borrowings": "-29.6", "Deposits": "-2.56", "Loans and Leases Receivable": "4.26", "Assets": "0.996", "Cash Deposits and Cash Equivalents": "0.313", "Assets and Securities": "-4.03", "Other Assets": "-0.943", "Goodwill": "1.39", "Expenses": "0.616", "Revenues": "-0.548", "Net Income": "-0.273", "Other Expenses": "-0.244", "Labor Expense": "0.543", "Other Revenues": "-0.548", "Comprehensive Net Income": "-0.375", "Other Net Income": "-0.345", "Economic Capital Ratio": "0.291"}, "2018": {"Other Liabilities": "11.7", "Liabilities": "3.84", "Stockholders Equity": "0.920", "ECR before LimitedLiability": "-1.02", "Liabilities and Borrowings": "-31.1", "Deposits": "-1.56", "Assets": "-2.74", "Assets and Securities": "-1.73", "Other Assets": "-5.66", "Loans and Leases Receivable": "4.37", "Goodwill": "1.26", "Cash Deposits and Cash Equivalents": "-1.15", "Labor Expense": "-3.14", "Expenses": "-6.22", "Net Income": "-2.90", "Other Net Income": "3.40", "Other Noninterest Expense": "-1.51", "Other Expenses": "-0.479", "IT and Equipment Expense": "-0.853", "Comprehensive Net Income": "-2.55", "Economic Capital Ratio": "-1.11"}, "2019": {"Long-term Debt": "0.589", "Liabilities": "3.15", "ECR before LimitedLiability": "-3.48", "Deposits": "-2.06", "Other Liabilities": "11.7", "Liabilities and Borrowings": "-29.9", "Loans and Leases Receivable": "-38.0", "Assets": "-2.59", "Other Assets": "11.8", "Goodwill": "1.06", "Cash Deposits and Cash Equivalents": "0.357", "Assets and Securities": "3.85", "Other Noninterest Expense": "-1.44", "Expenses": "-6.14", "Net Income": "-4.21", "Occupancy": "-0.341", "Labor Expense": "-3.32", "IT and Equipment Expense": "-0.928", "Comprehensive Net Income": "-4.29", "Other Net Income": "2.15", "Economic Capital Ratio": "-3.51"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "43,562", "Cash Deposits and Cash Equivalents": "231,603", "Deposits": "2,869,138", "Fees": "0", "Goodwill": "20,686", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,349,332", "Loans and Leases Receivable": "2,233,893", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "944,004", "Other Compr. Net Income": "-9,086", "Other Expenses": "14,111", "Other Liabilities": "-2,094,259", "Other Net Income": "42,837", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "65,827"}, "output_variables": {"Liabilities": "3,124,211", "Assets": "3,539,575", "Expenses": "14,111", "Revenues": "0", "Stockholders Equity": "415,364", "Net Income": "28,726", "Comprehensive Net Income": "19,640", "BaseVar": "3,451,745", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2014": {"input_variables": {"Assets and Securities": "41,288", "Cash Deposits and Cash Equivalents": "339,438", "Deposits": "2,900,848", "Fees": "0", "Goodwill": "20,686", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,261,468", "Loans and Leases Receivable": "2,357,837", "Long-term Debt": "50,000", "Occupancy": "0", "Other Assets": "842,384", "Other Compr. Net Income": "-9,057", "Other Expenses": "16,794", "Other Liabilities": "-1,980,348", "Other Net Income": "48,772", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "63,974"}, "output_variables": {"Liabilities": "3,231,968", "Assets": "3,665,607", "Expenses": "16,794", "Revenues": "0", "Stockholders Equity": "433,639", "Net Income": "31,977", "Comprehensive Net Income": "22,921", "BaseVar": "3,584,228", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2015": {"input_variables": {"Assets and Securities": "44,652", "Cash Deposits and Cash Equivalents": "319,280", "Deposits": "3,289,106", "Fees": "0", "Goodwill": "25,510", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,436,133", "Loans and Leases Receivable": "2,580,252", "Long-term Debt": "80,000", "Occupancy": "0", "Other Assets": "966,194", "Other Compr. Net Income": "-800", "Other Expenses": "20,119", "Other Liabilities": "-2,179,449", "Other Net Income": "57,995", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "63,088"}, "output_variables": {"Liabilities": "3,625,790", "Assets": "3,998,976", "Expenses": "20,119", "Revenues": "0", "Stockholders Equity": "373,186", "Net Income": "37,876", "Comprehensive Net Income": "37,076", "BaseVar": "3,955,614", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2016": {"input_variables": {"Assets and Securities": "64,328", "Cash Deposits and Cash Equivalents": "166,097", "Deposits": "4,374,298", "Fees": "0", "Goodwill": "102,814", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,281,698", "Loans and Leases Receivable": "3,831,105", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,182,965", "Other Compr. Net Income": "-2,884", "Other Expenses": "25,953", "Other Liabilities": "-2,825,140", "Other Net Income": "74,259", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "77,861"}, "output_variables": {"Liabilities": "4,830,856", "Assets": "5,425,170", "Expenses": "25,953", "Revenues": "0", "Stockholders Equity": "594,314", "Net Income": "48,306", "Comprehensive Net Income": "45,422", "BaseVar": "5,315,132", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2017": {"input_variables": {"Assets and Securities": "55,973", "Cash Deposits and Cash Equivalents": "353,272", "Deposits": "6,125,965", "Fees": "0", "Goodwill": "269,346", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,578,523", "Loans and Leases Receivable": "5,465,918", "Long-term Debt": "50,000", "Occupancy": "0", "Other Assets": "1,599,218", "Other Compr. Net Income": "-2,579", "Other Expenses": "50,867", "Other Liabilities": "-3,828,851", "Other Net Income": "110,317", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "116,913"}, "output_variables": {"Liabilities": "6,925,637", "Assets": "7,860,640", "Expenses": "50,867", "Revenues": "0", "Stockholders Equity": "935,003", "Net Income": "59,450", "Comprehensive Net Income": "56,872", "BaseVar": "7,690,368", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2018": {"input_variables": {"Assets and Securities": "745,728", "Cash Deposits and Cash Equivalents": "239,973", "Deposits": "6,249,321", "Fees": "0", "Goodwill": "267,685", "IT and Equipment Expense": "23,616", "Labor Expense": "107,844", "Liabilities and Borrowings": "4,837,056", "Loans and Leases Receivable": "5,517,780", "Long-term Debt": "50,000", "Occupancy": "14,803", "Other Assets": "813,519", "Other Compr. Net Income": "-3,126", "Other Expenses": "40,940", "Other Liabilities": "-4,428,984", "Other Net Income": "914,957", "Other Noninterest Expense": "40,926", "Other Revenues": "9,919", "Property, Plant and Equipment": "117,672"}, "output_variables": {"Liabilities": "6,707,393", "Assets": "7,702,357", "Expenses": "228,129", "Revenues": "9,919", "Stockholders Equity": "994,964", "Net Income": "696,747", "Comprehensive Net Income": "693,621", "BaseVar": "9,303,254", "ECR before LimitedLiability": "46%", "Economic Capital Ratio": "46%"}}, "2019": {"input_variables": {"Assets and Securities": "1,750,808", "Cash Deposits and Cash Equivalents": "529,288", "Deposits": "7,902,396", "Fees": "11,104", "Goodwill": "311,536", "IT and Equipment Expense": "34,385", "Labor Expense": "154,592", "Liabilities and Borrowings": "6,165,252", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "19,171", "Other Assets": "6,952,830", "Other Compr. Net Income": "7,804", "Other Expenses": "41,028", "Other Liabilities": "-5,592,353", "Other Net Income": "330,370", "Other Noninterest Expense": "50,185", "Other Revenues": "18,165", "Property, Plant and Equipment": "151,267"}, "output_variables": {"Liabilities": "8,475,295", "Assets": "9,695,729", "Expenses": "310,465", "Revenues": "18,165", "Stockholders Equity": "1,220,434", "Net Income": "38,070", "Comprehensive Net Income": "45,874", "BaseVar": "10,295,760", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": -35.0, "value": 0.11750054192050262, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000314489.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000314489.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000314489.svg"}, {"company_id": "0000750577", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000750577.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0000750577.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000750577.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000750577_256x256.png", "name": "Hancock Whitney CORP", "rank": 114, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0000750577.svg", "report_text": "The relative strengths and weaknesses of Hancock Whitney 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 Hancock Whitney CORP compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 9.6% points.The greatest weakness of Hancock Whitney CORP is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 14% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 12%, being 3.6% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000750577_2020_Hancock_Whitney_CORP.pdf", "shrinked_graph_json": {"2011": {"Liabilities": "-1.55", "Stockholders Equity": "1.09", "ECR before LimitedLiability": "-0.979", "Other Liabilities": "11.3", "Liabilities and Borrowings": "-23.3", "Deposits": "-5.98", "Other Assets": "3.72", "Assets": "2.29", "Goodwill": "-0.886", "Assets and Securities": "-3.59", "Loans and Leases Receivable": "0.703", "Cash Deposits and Cash Equivalents": "1.54", "Property, Plant and Equipment": "0.683", "Expenses": "1.65", "Revenues": "-0.621", "Net Income": "-1.14", "Other Expenses": "1.57", "Other Revenues": "-0.621", "Other Net Income": "-2.23", "Comprehensive Net Income": "-1.38", "Economic Capital Ratio": "-1.23"}, "2015": {"Deposits": "-7.34", "Liabilities": "-1.34", "Assets": "1.35", "Stockholders Equity": "0.244", "ECR before LimitedLiability": "-1.38", "Long-term Debt": "-0.687", "Other Liabilities": "10.3", "Liabilities and Borrowings": "-19.2", "Loans and Leases Receivable": "4.84", "Assets and Securities": "-3.31", "Goodwill": "1.13", "Other Assets": "-2.05", "Expenses": "1.21", "Revenues": "-0.308", "Net Income": "-1.18", "Other Expenses": "0.752", "Labor Expense": "0.264", "Other Revenues": "-0.308", "Comprehensive Net Income": "-1.40", "Other Net Income": "-2.15", "Economic Capital Ratio": "-1.42"}, "2016": {"Liabilities and Borrowings": "-19.3", "Liabilities": "-1.46", "Stockholders Equity": "0.797", "ECR before LimitedLiability": "-0.695", "Deposits": "-7.47", "Other Liabilities": "11.0", "Long-term Debt": "-0.724", "Assets and Securities": "-4.25", "Assets": "1.95", "Other Assets": "1.35", "Goodwill": "0.907", "Loans and Leases Receivable": "5.06", "Cash Deposits and Cash Equivalents": "-1.68", "Other Expenses": "0.971", "Expenses": "1.63", "Revenues": "-0.489", "Net Income": "-1.18", "Other Revenues": "-0.489", "Comprehensive Net Income": "-1.22", "Other Net Income": "-2.40", "Economic Capital Ratio": "-0.738"}, "2017": {"Other Liabilities": "11.6", "Liabilities": "-1.57", "Stockholders Equity": "-0.212", "ECR before LimitedLiability": "-0.561", "Liabilities and Borrowings": "-21.6", "Long-term Debt": "-0.197", "Deposits": "-5.85", "Loans and Leases Receivable": "3.67", "Assets": "1.13", "Cash Deposits and Cash Equivalents": "-1.69", "Assets and Securities": "-3.85", "Other Assets": "2.24", "Goodwill": "0.858", "Expenses": "1.47", "Revenues": "-0.538", "Net Income": "-0.297", "Other Expenses": "0.644", "Labor Expense": "0.531", "Other Revenues": "-0.538", "Other Net Income": "-1.26", "Economic Capital Ratio": "-0.610"}, "2018": {"Other Liabilities": "12.3", "Liabilities": "-3.15", "Economic Capital Ratio": "-0.169", "Liabilities and Borrowings": "-21.5", "Deposits": "-7.47", "Assets": "2.57", "Assets and Securities": "-7.28", "Other Assets": "5.23", "Loans and Leases Receivable": "6.41", "Goodwill": "0.854", "Cash Deposits and Cash Equivalents": "-2.88", "Labor Expense": "2.03", "Expenses": "3.83", "Revenues": "-0.778", "Net Income": "0.549", "Occupancy": "0.346", "Other Noninterest Expense": "0.485", "Other Expenses": "0.643", "IT and Equipment Expense": "0.292", "Other Revenues": "-0.778", "Comprehensive Net Income": "0.405", "Other Net Income": "-2.68"}, "2019": {"Liabilities": "2.29", "Stockholders Equity": "-0.708", "ECR before LimitedLiability": "-3.53", "Deposits": "1.27", "Other Liabilities": "9.58", "Liabilities and Borrowings": "-14.1", "Assets": "-2.69", "Other Assets": "7.37", "Goodwill": "0.746", "Cash Deposits and Cash Equivalents": "-3.38", "Assets and Securities": "-8.23", "Other Noninterest Expense": "-0.675", "Expenses": "-5.08", "Revenues": "-0.883", "Net Income": "-3.86", "Labor Expense": "-3.25", "IT and Equipment Expense": "-0.964", "Other Revenues": "-0.883", "Comprehensive Net Income": "-3.22", "Other Net Income": "2.02", "Economic Capital Ratio": "-3.56"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0000750577_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "181,608", "Cash Deposits and Cash Equivalents": "1,622,169", "Deposits": "15,713,579", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "10,483,969", "Loans and Leases Receivable": "11,052,145", "Long-term Debt": "353,890", "Occupancy": "0", "Other Assets": "6,412,787", "Other Compr. Net Income": "0", "Other Expenses": "18,064", "Other Liabilities": "-9,144,505", "Other Net Income": "94,823", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "505,387"}, "output_variables": {"Liabilities": "17,406,933", "Assets": "19,774,096", "Expenses": "18,064", "Revenues": "0", "Stockholders Equity": "2,367,163", "Net Income": "76,759", "Comprehensive Net Income": "76,759", "BaseVar": "18,795,404", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2015": {"input_variables": {"Assets and Securities": "219,791", "Cash Deposits and Cash Equivalents": "868,545", "Deposits": "18,348,912", "Fees": "0", "Goodwill": "621,193", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "11,223,937", "Loans and Leases Receivable": "15,522,135", "Long-term Debt": "495,999", "Occupancy": "0", "Other Assets": "5,230,780", "Other Compr. Net Income": "-30,521", "Other Expenses": "38,304", "Other Liabilities": "-9,642,532", "Other Net Income": "169,765", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "377,015"}, "output_variables": {"Liabilities": "20,426,316", "Assets": "22,839,459", "Expenses": "38,304", "Revenues": "0", "Stockholders Equity": "2,413,143", "Net Income": "131,461", "Comprehensive Net Income": "100,940", "BaseVar": "22,065,928", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2016": {"input_variables": {"Assets and Securities": "176,080", "Cash Deposits and Cash Equivalents": "449,924", "Deposits": "19,424,266", "Fees": "0", "Goodwill": "621,193", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "11,926,071", "Loans and Leases Receivable": "16,522,733", "Long-term Debt": "436,280", "Occupancy": "0", "Other Assets": "5,843,760", "Other Compr. Net Income": "-39,937", "Other Expenses": "37,627", "Other Liabilities": "-10,531,083", "Other Net Income": "186,923", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "361,612"}, "output_variables": {"Liabilities": "21,255,534", "Assets": "23,975,302", "Expenses": "37,627", "Revenues": "0", "Stockholders Equity": "2,719,768", "Net Income": "149,296", "Comprehensive Net Income": "109,359", "BaseVar": "23,095,462", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2017": {"input_variables": {"Assets and Securities": "251,700", "Cash Deposits and Cash Equivalents": "479,105", "Deposits": "22,253,202", "Fees": "0", "Goodwill": "745,523", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "14,125,557", "Loans and Leases Receivable": "18,786,855", "Long-term Debt": "305,513", "Occupancy": "0", "Other Assets": "6,739,240", "Other Compr. Net Income": "3,155", "Other Expenses": "89,225", "Other Liabilities": "-12,233,135", "Other Net Income": "343,933", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "333,663"}, "output_variables": {"Liabilities": "24,451,137", "Assets": "27,336,086", "Expenses": "89,225", "Revenues": "0", "Stockholders Equity": "2,884,949", "Net Income": "254,708", "Comprehensive Net Income": "257,863", "BaseVar": "26,685,519", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2018": {"input_variables": {"Assets and Securities": "249,754", "Cash Deposits and Cash Equivalents": "110,579", "Deposits": "23,150,185", "Fees": "0", "Goodwill": "790,972", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "14,829,152", "Loans and Leases Receivable": "19,831,897", "Long-term Debt": "224,993", "Occupancy": "0", "Other Assets": "6,899,037", "Other Compr. Net Income": "-6,591", "Other Expenses": "70,510", "Other Liabilities": "-13,049,763", "Other Net Income": "433,828", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "353,668"}, "output_variables": {"Liabilities": "25,154,567", "Assets": "28,235,907", "Expenses": "70,510", "Revenues": "0", "Stockholders Equity": "3,081,340", "Net Income": "363,318", "Comprehensive Net Income": "356,727", "BaseVar": "27,622,571", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2019": {"input_variables": {"Assets and Securities": "328,777", "Cash Deposits and Cash Equivalents": "109,961", "Deposits": "23,803,575", "Fees": "45,007", "Goodwill": "855,453", "IT and Equipment Expense": "101,374", "Labor Expense": "439,879", "Liabilities and Borrowings": "15,233,482", "Loans and Leases Receivable": "21,021,504", "Long-term Debt": "233,462", "Occupancy": "50,936", "Other Assets": "7,904,853", "Other Compr. Net Income": "-46,131", "Other Expenses": "82,097", "Other Liabilities": "-12,137,447", "Other Net Income": "3,491,125", "Other Noninterest Expense": "92,454", "Other Revenues": "0", "Property, Plant and Equipment": "380,209"}, "output_variables": {"Liabilities": "27,133,072", "Assets": "30,600,757", "Expenses": "811,747", "Revenues": "0", "Stockholders Equity": "3,467,685", "Net Income": "2,679,378", "Comprehensive Net Income": "2,633,247", "BaseVar": "36,760,353", "ECR before LimitedLiability": "42%", "Economic Capital Ratio": "42%"}}}, "top_rated": false, "trend": -48.0, "value": 0.11696143851409899, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000750577.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000750577.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000750577.svg"}, {"company_id": "0000736772", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000736772.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 115, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 12% points.The greatest weakness of CNB Financial CORP PA 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 3.6% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000736772_2020_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"}, "2013": {"Long-term Debt": "0.585", "Liabilities": "-0.688", "Assets": "-0.831", "Stockholders Equity": "-1.59", "Liabilities and Borrowings": "-51.9", "Other Liabilities": "6.04", "Deposits": "-9.44", "Loans and Leases Receivable": "1.25", "Cash Deposits and Cash Equivalents": "-1.84", "Assets and Securities": "-3.68", "Other Assets": "3.14", "Expenses": "0.489", "Revenues": "-0.110", "Net Income": "-0.313", "Other Expenses": "0.199", "Labor Expense": "0.187", "Other Revenues": "-0.110", "ECR before LimitedLiability": "-4.26", "Comprehensive Net Income": "-2.30", "Other Net Income": "-0.720", "Other Compr. Net Income": "-1.92", "Economic Capital Ratio": "-4.41"}, "2014": {"Deposits": "-8.22", "Liabilities": "-0.748", "Assets": "-1.07", "Stockholders Equity": "-1.87", "ECR before LimitedLiability": "-0.181", "Other Liabilities": "12.8", "Liabilities and Borrowings": "-54.0", "Long-term Debt": "1.28", "Cash Deposits and Cash Equivalents": "-2.13", "Other Assets": "5.09", "Assets and Securities": "-4.25", "Expenses": "0.393", "Revenues": "-0.295", "Net Income": "0.494", "Other Expenses": "-0.139", "Labor Expense": "0.326", "Other Revenues": "-0.295", "Comprehensive Net Income": "1.64", "Other Net Income": "0.395", "Other Compr. Net Income": "1.16", "Economic Capital Ratio": "-0.215"}, "2015": {"Deposits": "-5.01", "Liabilities": "-1.18", "Stockholders Equity": "-1.29", "ECR before LimitedLiability": "-0.743", "Long-term Debt": "1.12", "Other Liabilities": "11.0", "Liabilities and Borrowings": "-40.9", "Loans and Leases Receivable": "4.43", "Assets": "-0.173", "Assets and Securities": "-3.92", "Property, Plant and Equipment": "0.173", "Cash Deposits and Cash Equivalents": "-2.04", "Other Assets": "0.779", "Expenses": "0.574", "Net Income": "0.201", "Labor Expense": "0.273", "Other Revenues": "-0.317", "Revenues": "-0.317", "Other Compr. Net Income": "0.413", "Comprehensive Net Income": "0.613", "Economic Capital Ratio": "-0.784"}, "2016": {"Liabilities and Borrowings": "-38.3", "Liabilities": "-2.35", "Assets": "0.365", "Stockholders Equity": "-1.76", "ECR before LimitedLiability": "-2.28", "Deposits": "-3.31", "Other Liabilities": "9.48", "Long-term Debt": "0.753", "Assets and Securities": "-4.63", "Property, Plant and Equipment": "0.317", "Loans and Leases Receivable": "5.67", "Cash Deposits and Cash Equivalents": "-2.20", "Other Expenses": "0.521", "Expenses": "1.15", "Revenues": "-0.469", "Net Income": "-0.563", "Labor Expense": "0.407", "Other Revenues": "-0.469", "Comprehensive Net Income": "-0.278", "Other Net Income": "-1.31", "Economic Capital Ratio": "-2.32"}, "2017": {"Other Liabilities": "10.4", "Liabilities": "-2.00", "Stockholders Equity": "-1.68", "ECR before LimitedLiability": "-1.91", "Liabilities and Borrowings": "-38.6", "Long-term Debt": "0.722", "Deposits": "-2.00", "Loans and Leases Receivable": "7.76", "Assets": "0.146", "Cash Deposits and Cash Equivalents": "-2.04", "Assets and Securities": "-4.34", "Other Assets": "-2.46", "Property, Plant and Equipment": "0.255", "Goodwill": "-0.129", "Expenses": "1.06", "Other Expenses": "0.257", "Labor Expense": "0.516", "Other Revenues": "-0.527", "Revenues": "-0.527", "Economic Capital Ratio": "-1.95", "Other Net Income": "-0.630"}, "2018": {"Other Liabilities": "10.2", "Liabilities": "-4.59", "Stockholders Equity": "-2.26", "ECR before LimitedLiability": "-2.58", "Long-term Debt": "0.605", "Liabilities and Borrowings": "-41.4", "Deposits": "-5.53", "Assets": "1.66", "Assets and Securities": "3.26", "Other Assets": "-9.64", "Loans and Leases Receivable": "8.13", "Goodwill": "-0.327", "Cash Deposits and Cash Equivalents": "-2.12", "Labor Expense": "1.87", "Expenses": "3.42", "Other Noninterest Expense": "0.457", "Other Expenses": "0.628", "Other Revenues": "-0.744", "Revenues": "-0.744", "Economic Capital Ratio": "-2.67", "Other Net Income": "-3.05"}, "2019": {"Long-term Debt": "0.542", "Liabilities": "-5.11", "Assets": "1.71", "Stockholders Equity": "-2.70", "ECR before LimitedLiability": "-3.57", "Deposits": "-6.94", "Other Liabilities": "11.7", "Liabilities and Borrowings": "-42.7", "Loans and Leases Receivable": "6.16", "Other Assets": "-6.88", "Goodwill": "-0.470", "Assets and Securities": "1.95", "Other Noninterest Expense": "0.427", "Expenses": "3.78", "Other Expenses": "0.815", "Occupancy": "0.339", "Labor Expense": "1.99", "Other Revenues": "-0.817", "Revenues": "-0.817", "Economic Capital Ratio": "-3.59", "Other Net Income": "-3.62"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "4,127", "Cash Deposits and Cash Equivalents": "29,633", "Deposits": "1,835,314", "Fees": "0", "Goodwill": "27,194", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,636,515", "Loans and Leases Receivable": "1,279,129", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "759,617", "Other Compr. Net Income": "-23,369", "Other Expenses": "6,340", "Other Liabilities": "-1,505,451", "Other Net Income": "23,019", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "31,589"}, "output_variables": {"Liabilities": "1,966,378", "Assets": "2,131,289", "Expenses": "6,340", "Revenues": "0", "Stockholders Equity": "164,911", "Net Income": "16,679", "Comprehensive Net Income": "-6,690", "BaseVar": "2,144,535", "ECR before LimitedLiability": "5.0%", "Economic Capital Ratio": "6.0%"}}, "2014": {"input_variables": {"Assets and Securities": "4,505", "Cash Deposits and Cash Equivalents": "27,928", "Deposits": "1,847,079", "Fees": "0", "Goodwill": "27,194", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,623,607", "Loans and Leases Receivable": "1,337,916", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "756,292", "Other Compr. Net Income": "-23,325", "Other Expenses": "9,826", "Other Liabilities": "-1,470,021", "Other Net Income": "33,708", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "35,378"}, "output_variables": {"Liabilities": "2,000,665", "Assets": "2,189,213", "Expenses": "9,826", "Revenues": "0", "Stockholders Equity": "188,548", "Net Income": "23,882", "Comprehensive Net Income": "557", "BaseVar": "2,216,287", "ECR before LimitedLiability": "7.0%", "Economic Capital Ratio": "7.5%"}}, "2015": {"input_variables": {"Assets and Securities": "4,576", "Cash Deposits and Cash Equivalents": "27,261", "Deposits": "1,815,053", "Fees": "0", "Goodwill": "27,194", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,551,414", "Loans and Leases Receivable": "1,561,061", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "625,674", "Other Compr. Net Income": "5,521", "Other Expenses": "8,251", "Other Liabilities": "-1,283,244", "Other Net Income": "30,349", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "39,370"}, "output_variables": {"Liabilities": "2,083,223", "Assets": "2,285,136", "Expenses": "8,251", "Revenues": "0", "Stockholders Equity": "201,913", "Net Income": "22,098", "Comprehensive Net Income": "27,620", "BaseVar": "2,264,259", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2016": {"input_variables": {"Assets and Securities": "4,858", "Cash Deposits and Cash Equivalents": "29,183", "Deposits": "2,017,522", "Fees": "0", "Goodwill": "38,730", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,727,600", "Loans and Leases Receivable": "1,857,206", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "594,322", "Other Compr. Net Income": "-749", "Other Expenses": "7,092", "Other Liabilities": "-1,383,085", "Other Net Income": "27,475", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "49,522"}, "output_variables": {"Liabilities": "2,362,037", "Assets": "2,573,821", "Expenses": "7,092", "Revenues": "0", "Stockholders Equity": "211,784", "Net Income": "20,383", "Comprehensive Net Income": "19,634", "BaseVar": "2,532,029", "ECR before LimitedLiability": "9.5%", "Economic Capital Ratio": "9.6%"}}, "2017": {"input_variables": {"Assets and Securities": "7,150", "Cash Deposits and Cash Equivalents": "35,345", "Deposits": "2,167,815", "Fees": "0", "Goodwill": "38,730", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,845,957", "Loans and Leases Receivable": "2,126,266", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "510,567", "Other Compr. Net Income": "-889", "Other Expenses": "12,032", "Other Liabilities": "-1,488,909", "Other Net Income": "36,540", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "50,715"}, "output_variables": {"Liabilities": "2,524,863", "Assets": "2,768,773", "Expenses": "12,032", "Revenues": "0", "Stockholders Equity": "243,910", "Net Income": "24,507", "Comprehensive Net Income": "23,618", "BaseVar": "2,736,591", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2018": {"input_variables": {"Assets and Securities": "524,649", "Cash Deposits and Cash Equivalents": "45,563", "Deposits": "2,610,786", "Fees": "0", "Goodwill": "38,730", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,253,989", "Loans and Leases Receivable": "2,454,853", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "107,806", "Other Compr. Net Income": "-2,016", "Other Expenses": "8,484", "Other Liabilities": "-1,906,084", "Other Net Income": "40,597", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "49,920"}, "output_variables": {"Liabilities": "2,958,691", "Assets": "3,221,521", "Expenses": "8,484", "Revenues": "0", "Stockholders Equity": "262,830", "Net Income": "32,113", "Comprehensive Net Income": "30,098", "BaseVar": "3,182,846", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2019": {"input_variables": {"Assets and Securities": "552,122", "Cash Deposits and Cash Equivalents": "192,974", "Deposits": "3,102,327", "Fees": "0", "Goodwill": "38,730", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,720,068", "Loans and Leases Receivable": "2,784,562", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "140,404", "Other Compr. Net Income": "4,157", "Other Expenses": "7,923", "Other Liabilities": "-2,363,702", "Other Net Income": "49,968", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "54,867"}, "output_variables": {"Liabilities": "3,458,693", "Assets": "3,763,659", "Expenses": "7,923", "Revenues": "0", "Stockholders Equity": "304,966", "Net Income": "42,045", "Comprehensive Net Income": "46,202", "BaseVar": "3,723,794", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}}, "top_rated": false, "trend": -12.0, "value": 0.11663815678100625, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000736772.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000736772.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000736772.svg"}, {"company_id": "0000711669", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000711669.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0000711669.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000711669.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000711669_256x256.png", "name": "Colony Bankcorp INC", "rank": 116, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0000711669.svg", "report_text": "The relative strengths and weaknesses of Colony Bankcorp 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 Colony Bankcorp INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Colony Bankcorp INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 46% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 12%, being 3.6% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000711669_2020_Colony_Bankcorp_INC.pdf", "shrinked_graph_json": {"2019": {"Long-term Debt": "0.539", "Liabilities": "-5.23", "Assets": "2.21", "Stockholders Equity": "-2.23", "ECR before LimitedLiability": "-3.57", "Deposits": "-10.3", "Other Liabilities": "11.7", "Liabilities and Borrowings": "-46.2", "Other Assets": "-7.48", "Property, Plant and Equipment": "0.621", "Cash Deposits and Cash Equivalents": "1.59", "Assets and Securities": "7.46", "Expenses": "3.98", "Revenues": "-0.813", "Net Income": "-1.77", "Other Expenses": "1.06", "Labor Expense": "1.98", "Other Revenues": "-0.813", "Other Net Income": "-5.31", "Other Compr. Net Income": "1.23", "Economic Capital Ratio": "-3.60"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0000711669_strength_weakness.svg", "table_records": {"2019": {"input_variables": {"Assets and Securities": "358,437", "Cash Deposits and Cash Equivalents": "104,092", "Deposits": "1,293,742", "Fees": "0", "Goodwill": "16,477", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,127,943", "Loans and Leases Receivable": "961,951", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "41,874", "Other Compr. Net Income": "8,552", "Other Expenses": "2,398", "Other Liabilities": "-1,036,878", "Other Net Income": "12,609", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "32,482"}, "output_variables": {"Liabilities": "1,384,807", "Assets": "1,515,313", "Expenses": "2,398", "Revenues": "0", "Stockholders Equity": "130,506", "Net Income": "10,211", "Comprehensive Net Income": "18,763", "BaseVar": "1,492,820", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": null, "value": 0.11660075245616588, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000711669.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000711669.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000711669.svg"}, {"company_id": "0001413837", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001413837.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001413837.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001413837.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001413837_256x256.png", "name": "First Foundation Inc", "rank": 117, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001413837.svg", "report_text": "The relative strengths and weaknesses of First Foundation 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 Foundation Inc compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 12% points.The greatest weakness of First Foundation Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 39% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 12%, being 3.6% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001413837_2020_First_Foundation_Inc.pdf", "shrinked_graph_json": {"2014": {"Deposits": "2.61", "Liabilities": "-2.09", "Stockholders Equity": "-2.68", "ECR before LimitedLiability": "-3.86", "Other Liabilities": "-36.3", "Liabilities and Borrowings": "9.04", "Long-term Debt": "1.08", "Cash Deposits and Cash Equivalents": "-1.38", "Assets": "-0.649", "Other Assets": "-10.5", "Property, Plant and Equipment": "-0.946", "Assets and Securities": "-3.95", "Goodwill": "-0.807", "Loans and Leases Receivable": "9.06", "Other Revenues": "-0.266", "Revenues": "-0.266", "Other Net Income": "-0.943", "Net Income": "-1.03", "Comprehensive Net Income": "-0.982", "Other Expenses": "-0.298", "Labor Expense": "0.289", "Economic Capital Ratio": "-3.90"}, "2015": {"Deposits": "7.78", "Liabilities": "-1.17", "ECR before LimitedLiability": "-1.86", "Long-term Debt": "1.05", "Other Liabilities": "-52.6", "Liabilities and Borrowings": "9.86", "Loans and Leases Receivable": "4.28", "Assets": "0.770", "Assets and Securities": "-3.71", "Property, Plant and Equipment": "-0.971", "Cash Deposits and Cash Equivalents": "2.87", "Goodwill": "-0.810", "Other Assets": "-1.77", "Expenses": "0.525", "Net Income": "-1.41", "Labor Expense": "0.261", "Other Revenues": "-0.304", "Revenues": "-0.304", "Comprehensive Net Income": "-1.45", "Other Net Income": "-1.65", "Economic Capital Ratio": "-1.90"}, "2016": {"Liabilities and Borrowings": "7.92", "Liabilities": "-2.62", "Assets and Securities": "-4.33", "Stockholders Equity": "-2.46", "Deposits": "6.30", "Other Liabilities": "-54.7", "Long-term Debt": "0.661", "Expenses": "0.735", "Net Income": "-1.22", "Labor Expense": "0.363", "Other Revenues": "-0.424", "Revenues": "-0.424", "Comprehensive Net Income": "-1.02", "ECR before LimitedLiability": "-3.84", "Property, Plant and Equipment": "-0.833", "Other Assets": "-1.73", "Goodwill": "-0.886", "Loans and Leases Receivable": "0.561", "Cash Deposits and Cash Equivalents": "5.75", "Other Net Income": "-1.61", "Economic Capital Ratio": "-3.88"}, "2017": {"Other Liabilities": "-34.8", "Liabilities": "-2.15", "Stockholders Equity": "-1.71", "ECR before LimitedLiability": "-2.82", "Liabilities and Borrowings": "9.52", "Long-term Debt": "0.687", "Loans and Leases Receivable": "9.02", "Assets": "0.246", "Cash Deposits and Cash Equivalents": "-1.03", "Assets and Securities": "-4.05", "Other Assets": "-6.29", "Property, Plant and Equipment": "-0.930", "Goodwill": "-1.11", "Expenses": "0.816", "Revenues": "-0.509", "Net Income": "-0.960", "Labor Expense": "0.494", "Other Revenues": "-0.509", "Comprehensive Net Income": "-0.846", "Other Net Income": "-1.31", "Economic Capital Ratio": "-2.87"}, "2018": {"Other Liabilities": "-36.3", "Liabilities": "1.69", "Stockholders Equity": "-1.79", "ECR before LimitedLiability": "-1.90", "Liabilities and Borrowings": "10.9", "Deposits": "1.81", "Property, Plant and Equipment": "-0.939", "Assets": "-3.17", "Assets and Securities": "1.72", "Other Assets": "-11.2", "Loans and Leases Receivable": "8.96", "Goodwill": "-1.29", "Cash Deposits and Cash Equivalents": "-2.56", "Labor Expense": "-2.12", "Expenses": "-4.17", "Revenues": "1.38", "Net Income": "-1.29", "Occupancy": "-0.887", "Other Revenues": "1.38", "Other Net Income": "1.35", "Economic Capital Ratio": "-1.98"}, "2019": {"Liabilities": "1.21", "Stockholders Equity": "-2.02", "ECR before LimitedLiability": "-3.60", "Deposits": "1.71", "Other Liabilities": "-39.1", "Liabilities and Borrowings": "11.6", "Loans and Leases Receivable": "7.02", "Assets": "-2.89", "Other Assets": "-8.65", "Goodwill": "-1.30", "Property, Plant and Equipment": "-0.911", "Cash Deposits and Cash Equivalents": "-2.88", "Assets and Securities": "3.12", "Expenses": "-3.83", "Revenues": "1.32", "Net Income": "-1.28", "Labor Expense": "-1.96", "Other Revenues": "1.32", "Comprehensive Net Income": "-1.88", "Other Net Income": "1.15", "Economic Capital Ratio": "-3.63"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001413837_strength_weakness.svg", "table_records": {"2014": {"input_variables": {"Assets and Securities": "6,590", "Cash Deposits and Cash Equivalents": "29,692", "Deposits": "962,954", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,156,242", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "160,713", "Other Compr. Net Income": "2,470", "Other Expenses": "6,427", "Other Liabilities": "292,974", "Other Net Income": "14,821", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "2,187"}, "output_variables": {"Liabilities": "1,255,928", "Assets": "1,355,424", "Expenses": "6,427", "Revenues": "0", "Stockholders Equity": "99,496", "Net Income": "8,394", "Comprehensive Net Income": "10,864", "BaseVar": "1,348,724", "ECR before LimitedLiability": "8.9%", "Economic Capital Ratio": "9.1%"}}, "2015": {"input_variables": {"Assets and Securities": "10,824", "Cash Deposits and Cash Equivalents": "215,748", "Deposits": "1,522,176", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,754,883", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "608,471", "Other Compr. Net Income": "-2,204", "Other Expenses": "9,454", "Other Liabilities": "810,667", "Other Net Income": "22,832", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "2,653"}, "output_variables": {"Liabilities": "2,332,843", "Assets": "2,592,579", "Expenses": "9,454", "Revenues": "0", "Stockholders Equity": "259,736", "Net Income": "13,378", "Comprehensive Net Income": "11,174", "BaseVar": "2,525,310", "ECR before LimitedLiability": "9.8%", "Economic Capital Ratio": "9.9%"}}, "2016": {"input_variables": {"Assets and Securities": "15,426", "Cash Deposits and Cash Equivalents": "597,946", "Deposits": "2,426,795", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "2,540,309", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "814,992", "Other Compr. Net Income": "-3,941", "Other Expenses": "15,031", "Other Liabilities": "1,264,344", "Other Net Income": "38,334", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "6,730"}, "output_variables": {"Liabilities": "3,691,139", "Assets": "3,975,403", "Expenses": "15,031", "Revenues": "0", "Stockholders Equity": "284,264", "Net Income": "23,303", "Comprehensive Net Income": "19,362", "BaseVar": "3,937,281", "ECR before LimitedLiability": "7.5%", "Economic Capital Ratio": "7.9%"}}, "2017": {"input_variables": {"Assets and Securities": "27,440", "Cash Deposits and Cash Equivalents": "120,394", "Deposits": "3,443,527", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "3,799,707", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "587,063", "Other Compr. Net Income": "-387", "Other Expenses": "62,947", "Other Liabilities": "702,707", "Other Net Income": "86,457", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "6,581"}, "output_variables": {"Liabilities": "4,146,234", "Assets": "4,541,185", "Expenses": "62,947", "Revenues": "0", "Stockholders Equity": "394,951", "Net Income": "23,510", "Comprehensive Net Income": "23,123", "BaseVar": "4,615,581", "ECR before LimitedLiability": "8.9%", "Economic Capital Ratio": "9.1%"}}, "2018": {"input_variables": {"Assets and Securities": "847,788", "Cash Deposits and Cash Equivalents": "67,312", "Deposits": "4,532,968", "Fees": "8,583", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "67,508", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "4,782,312", "Long-term Debt": "0", "Occupancy": "19,779", "Other Assets": "133,855", "Other Compr. Net Income": "4,074", "Other Expenses": "78,119", "Other Liabilities": "748,260", "Other Net Income": "656,823", "Other Noninterest Expense": "16,128", "Other Revenues": "35,352", "Property, Plant and Equipment": "9,145"}, "output_variables": {"Liabilities": "5,281,228", "Assets": "5,840,412", "Expenses": "190,117", "Revenues": "35,352", "Stockholders Equity": "559,184", "Net Income": "502,057", "Comprehensive Net Income": "506,132", "BaseVar": "7,169,575", "ECR before LimitedLiability": "41%", "Economic Capital Ratio": "41%"}}, "2019": {"input_variables": {"Assets and Securities": "1,081,036", "Cash Deposits and Cash Equivalents": "65,387", "Deposits": "4,891,144", "Fees": "7,556", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "70,023", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "5,029,869", "Long-term Debt": "0", "Occupancy": "20,973", "Other Assets": "129,789", "Other Compr. Net Income": "5,607", "Other Expenses": "85,645", "Other Liabilities": "809,423", "Other Net Income": "181,485", "Other Noninterest Expense": "13,854", "Other Revenues": "37,705", "Property, Plant and Equipment": "8,355"}, "output_variables": {"Liabilities": "5,700,567", "Assets": "6,314,436", "Expenses": "198,052", "Revenues": "37,705", "Stockholders Equity": "613,869", "Net Income": "21,137", "Comprehensive Net Income": "26,744", "BaseVar": "6,774,972", "ECR before LimitedLiability": "9.5%", "Economic Capital Ratio": "9.6%"}}}, "top_rated": false, "trend": -26.0, "value": 0.11628213072647867, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001413837.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001413837.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001413837.svg"}, {"company_id": "0001437958", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001437958.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001437958.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001437958.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001437958_256x256.png", "name": "Coastal Financial CORP", "rank": 118, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001437958.svg", "report_text": "The relative strengths and weaknesses of Coastal 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 Coastal Financial CORP compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Coastal Financial CORP 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 12%, being 3.7% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001437958_2020_Coastal_Financial_CORP.pdf", "shrinked_graph_json": {"2018": {"Other Liabilities": "-25.7", "Liabilities": "3.53", "ECR before LimitedLiability": "-1.36", "Long-term Debt": "0.692", "Liabilities and Borrowings": "11.4", "Deposits": "-3.61", "Assets": "-3.63", "Assets and Securities": "-5.89", "Other Assets": "-11.6", "Loans and Leases Receivable": "8.71", "Goodwill": "-1.32", "Cash Deposits and Cash Equivalents": "5.61", "Labor Expense": "-4.17", "Expenses": "-6.33", "Net Income": "-2.10", "Occupancy": "-0.937", "Other Revenues": "-0.837", "Revenues": "-0.837", "Comprehensive Net Income": "-1.64", "Other Net Income": "4.47", "Economic Capital Ratio": "-1.45"}, "2019": {"Liabilities": "2.94", "Stockholders Equity": "-1.10", "ECR before LimitedLiability": "-3.70", "Deposits": "-4.84", "Other Liabilities": "-27.3", "Liabilities and Borrowings": "11.5", "Loans and Leases Receivable": "8.24", "Assets": "-3.68", "Other Assets": "-8.41", "Goodwill": "-1.33", "Cash Deposits and Cash Equivalents": "4.35", "Assets and Securities": "-7.27", "Expenses": "-6.25", "Revenues": "-0.891", "Net Income": "-2.65", "Occupancy": "-0.886", "Labor Expense": "-4.14", "Other Revenues": "-0.891", "Comprehensive Net Income": "-3.17", "Other Net Income": "4.05", "Economic Capital Ratio": "-3.73"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001437958_strength_weakness.svg", "table_records": {"2018": {"input_variables": {"Assets and Securities": "37,909", "Cash Deposits and Cash Equivalents": "125,782", "Deposits": "803,614", "Fees": "972", "Goodwill": "0", "IT and Equipment Expense": "1,971", "Labor Expense": "16,026", "Liabilities and Borrowings": "4,437", "Loans and Leases Receivable": "758,492", "Long-term Debt": "0", "Occupancy": "3,314", "Other Assets": "16,760", "Other Compr. Net Income": "-166", "Other Expenses": "4,518", "Other Liabilities": "34,903", "Other Net Income": "33,855", "Other Noninterest Expense": "1,956", "Other Revenues": "0", "Property, Plant and Equipment": "13,167"}, "output_variables": {"Liabilities": "842,954", "Assets": "952,110", "Expenses": "28,757", "Revenues": "0", "Stockholders Equity": "109,156", "Net Income": "5,098", "Comprehensive Net Income": "4,932", "BaseVar": "1,011,474", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2019": {"input_variables": {"Assets and Securities": "30,018", "Cash Deposits and Cash Equivalents": "127,814", "Deposits": "967,959", "Fees": "1,103", "Goodwill": "0", "IT and Equipment Expense": "2,081", "Labor Expense": "18,959", "Liabilities and Borrowings": "2,871", "Loans and Leases Receivable": "927,633", "Long-term Debt": "0", "Occupancy": "3,775", "Other Assets": "29,953", "Other Compr. Net Income": "1,264", "Other Expenses": "6,188", "Other Liabilities": "33,523", "Other Net Income": "40,673", "Other Noninterest Expense": "2,418", "Other Revenues": "0", "Property, Plant and Equipment": "13,108"}, "output_variables": {"Liabilities": "1,004,353", "Assets": "1,128,526", "Expenses": "34,524", "Revenues": "0", "Stockholders Equity": "124,173", "Net Income": "6,149", "Comprehensive Net Income": "7,413", "BaseVar": "1,205,216", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "12%"}}}, "top_rated": false, "trend": -35.0, "value": 0.11525404213383325, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001437958.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001437958.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001437958.svg"}, {"company_id": "0001163668", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001163668.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001163668.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001163668.jpeg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001163668_256x256.png", "name": "South Plains Financial INC", "rank": 119, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001163668.svg", "report_text": "The relative strengths and weaknesses of South Plains Financial INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of South Plains Financial INC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 11% points.The greatest weakness of South Plains Financial INC is the variable Loans and Leases Receivable, reducing the Economic Capital Ratio by 35% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 11%, being 3.8% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001163668_2020_South_Plains_Financial_INC.pdf", "shrinked_graph_json": {"2019": {"Long-term Debt": "0.536", "Liabilities": "-4.93", "Assets": "2.62", "Stockholders Equity": "-1.50", "ECR before LimitedLiability": "-3.73", "Deposits": "-8.76", "Other Liabilities": "11.4", "Liabilities and Borrowings": "-26.6", "Loans and Leases Receivable": "-35.0", "Other Assets": "11.5", "Goodwill": "-0.784", "Assets and Securities": "6.98", "Expenses": "3.71", "Revenues": "-0.810", "Net Income": "-0.887", "Other Expenses": "0.783", "Labor Expense": "1.97", "Other Revenues": "-0.810", "Comprehensive Net Income": "-1.37", "Other Net Income": "-4.13", "Economic Capital Ratio": "-3.76"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001163668_strength_weakness.svg", "table_records": {"2019": {"input_variables": {"Assets and Securities": "738,024", "Cash Deposits and Cash Equivalents": "158,099", "Deposits": "2,696,857", "Fees": "0", "Goodwill": "18,757", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,905,936", "Loans and Leases Receivable": "49,035", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "2,211,379", "Other Compr. Net Income": "3,201", "Other Expenses": "7,481", "Other Liabilities": "-1,671,808", "Other Net Income": "36,701", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "61,873"}, "output_variables": {"Liabilities": "2,930,985", "Assets": "3,237,167", "Expenses": "7,481", "Revenues": "0", "Stockholders Equity": "306,182", "Net Income": "29,220", "Comprehensive Net Income": "32,421", "BaseVar": "3,170,076", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}}, "top_rated": false, "trend": null, "value": 0.1149766552388865, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001163668.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001163668.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001163668.svg"}, {"company_id": "0000073124", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000073124.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 120, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 11% points.The greatest weakness of Northern Trust CORP is the variable Loans and Leases Receivable, reducing the Economic Capital Ratio by 39% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 11%, being 3.9% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000073124_2020_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"}, "2013": {"Long-term Debt": "0.774", "Liabilities": "-2.39", "Stockholders Equity": "-1.93", "ECR before LimitedLiability": "-1.14", "Liabilities and Borrowings": "8.94", "Other Liabilities": "-17.1", "Deposits": "-7.68", "Goodwill": "-0.400", "Assets": "0.254", "Loans and Leases Receivable": "-32.8", "Cash Deposits and Cash Equivalents": "9.16", "Assets and Securities": "9.16", "Property, Plant and Equipment": "-0.795", "Expenses": "0.494", "Net Income": "-0.606", "Labor Expense": "0.243", "Other Revenues": "-0.143", "Revenues": "-0.143", "Other Compr. Net Income": "1.43", "Comprehensive Net Income": "0.880", "Other Net Income": "-0.979", "Economic Capital Ratio": "-1.29"}, "2014": {"Deposits": "-6.89", "Liabilities": "-2.26", "Cash Deposits and Cash Equivalents": "6.73", "Stockholders Equity": "-2.35", "ECR before LimitedLiability": "-4.05", "Other Liabilities": "-16.9", "Liabilities and Borrowings": "8.59", "Long-term Debt": "1.06", "Expenses": "0.589", "Net Income": "-0.588", "Labor Expense": "0.284", "Other Revenues": "-0.261", "Revenues": "-0.261", "Other Assets": "8.41", "Property, Plant and Equipment": "-0.766", "Assets and Securities": "8.90", "Goodwill": "-0.465", "Loans and Leases Receivable": "-34.5", "Comprehensive Net Income": "-1.42", "Other Net Income": "-0.944", "Other Compr. Net Income": "-0.805", "Economic Capital Ratio": "-4.08"}, "2015": {"Deposits": "-7.56", "Liabilities": "-1.73", "Stockholders Equity": "-2.32", "ECR before LimitedLiability": "-2.62", "Long-term Debt": "1.01", "Other Liabilities": "-17.4", "Liabilities and Borrowings": "8.95", "Loans and Leases Receivable": "-35.2", "Assets": "-0.626", "Assets and Securities": "9.12", "Property, Plant and Equipment": "-0.760", "Cash Deposits and Cash Equivalents": "7.15", "Goodwill": "-0.484", "Other Assets": "8.31", "Expenses": "0.347", "Revenues": "-0.296", "Net Income": "-0.301", "Labor Expense": "0.252", "Other Revenues": "-0.296", "Other Net Income": "-0.359", "Economic Capital Ratio": "-2.66"}, "2016": {"Liabilities and Borrowings": "9.38", "Liabilities": "-2.26", "Assets and Securities": "9.61", "Stockholders Equity": "-2.08", "ECR before LimitedLiability": "-2.15", "Deposits": "-6.25", "Other Liabilities": "-19.1", "Long-term Debt": "0.762", "Expenses": "0.794", "Net Income": "-0.458", "Labor Expense": "0.411", "Other Revenues": "-0.473", "Revenues": "-0.473", "Property, Plant and Equipment": "-0.763", "Other Assets": "3.09", "Goodwill": "-0.671", "Loans and Leases Receivable": "-35.5", "Cash Deposits and Cash Equivalents": "9.60", "Other Net Income": "-0.809", "Economic Capital Ratio": "-2.19", "Other Compr. Net Income": "0.556"}, "2017": {"Other Liabilities": "-21.8", "Liabilities": "-2.89", "Loans and Leases Receivable": "-36.2", "Stockholders Equity": "-2.75", "ECR before LimitedLiability": "-3.14", "Liabilities and Borrowings": "8.99", "Long-term Debt": "0.671", "Deposits": "-4.12", "Expenses": "1.41", "Revenues": "-0.500", "Comprehensive Net Income": "-0.134", "Other Expenses": "0.688", "Labor Expense": "0.484", "Other Revenues": "-0.500", "Cash Deposits and Cash Equivalents": "9.21", "Assets and Securities": "9.21", "Other Assets": "1.73", "Property, Plant and Equipment": "-0.785", "Goodwill": "-0.788", "Other Net Income": "-1.07", "Economic Capital Ratio": "-3.19"}, "2018": {"Property, Plant and Equipment": "-0.833", "Assets": "-2.48", "Stockholders Equity": "-2.48", "Other Liabilities": "-22.0", "Assets and Securities": "2.31", "Other Assets": "1.59", "Loans and Leases Receivable": "-36.9", "Goodwill": "-0.931", "Cash Deposits and Cash Equivalents": "2.31", "Labor Expense": "-3.08", "Expenses": "-5.64", "Net Income": "-8.18", "Other Net Income": "-2.19", "Fees": "-1.69", "Occupancy": "-0.199", "Other Noninterest Expense": "-0.408", "IT and Equipment Expense": "-1.22", "ECR before LimitedLiability": "-10.4", "Liabilities and Borrowings": "2.31", "Comprehensive Net Income": "-7.73", "Economic Capital Ratio": "-10.5"}, "2019": {"Liabilities": "3.08", "Stockholders Equity": "-3.73", "ECR before LimitedLiability": "-3.84", "Deposits": "2.66", "Other Liabilities": "-28.6", "Liabilities and Borrowings": "11.3", "Loans and Leases Receivable": "-38.8", "Assets": "-6.12", "Other Assets": "5.50", "Goodwill": "-0.981", "Cash Deposits and Cash Equivalents": "11.3", "Assets and Securities": "11.4", "Expenses": "-7.10", "Revenues": "8.26", "Comprehensive Net Income": "-0.974", "Fees": "-1.94", "Labor Expense": "-3.76", "IT and Equipment Expense": "-1.36", "Other Revenues": "8.26", "Other Net Income": "-3.98", "Economic Capital Ratio": "-3.87"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "36,013,900", "Cash Deposits and Cash Equivalents": "35,471,300", "Deposits": "84,098,100", "Fees": "0", "Goodwill": "540,700", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,071,900", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "30,462,600", "Other Compr. Net Income": "38,700", "Other Expenses": "344,200", "Other Liabilities": "5,865,300", "Other Net Income": "1,075,500", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "458,800"}, "output_variables": {"Liabilities": "95,035,300", "Assets": "102,947,300", "Expenses": "344,200", "Revenues": "0", "Stockholders Equity": "7,912,000", "Net Income": "731,300", "Comprehensive Net Income": "770,000", "BaseVar": "101,638,296", "ECR before LimitedLiability": "9.0%", "Economic Capital Ratio": "9.2%"}}, "2014": {"input_variables": {"Assets and Securities": "40,661,800", "Cash Deposits and Cash Equivalents": "17,978,900", "Deposits": "90,757,000", "Fees": "0", "Goodwill": "533,200", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,533,300", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "50,328,300", "Other Compr. Net Income": "-48,769", "Other Expenses": "382,855", "Other Liabilities": "5,207,300", "Other Net Income": "1,209,378", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "444,300"}, "output_variables": {"Liabilities": "101,497,600", "Assets": "109,946,500", "Expenses": "382,855", "Revenues": "0", "Stockholders Equity": "8,448,900", "Net Income": "826,522", "Comprehensive Net Income": "777,753", "BaseVar": "108,700,469", "ECR before LimitedLiability": "8.8%", "Economic Capital Ratio": "9.0%"}}, "2015": {"input_variables": {"Assets and Securities": "43,646,000", "Cash Deposits and Cash Equivalents": "20,587,700", "Deposits": "96,868,900", "Fees": "0", "Goodwill": "526,400", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "7,130,700", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "51,542,600", "Other Compr. Net Income": "-57,476", "Other Expenses": "512,809", "Other Liabilities": "4,044,100", "Other Net Income": "1,525,193", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "446,900"}, "output_variables": {"Liabilities": "108,043,700", "Assets": "116,749,600", "Expenses": "512,809", "Revenues": "0", "Stockholders Equity": "8,705,900", "Net Income": "1,012,384", "Comprehensive Net Income": "954,909", "BaseVar": "116,199,941", "ECR before LimitedLiability": "9.0%", "Economic Capital Ratio": "9.2%"}}, "2016": {"input_variables": {"Assets and Securities": "51,429,300", "Cash Deposits and Cash Equivalents": "36,806,800", "Deposits": "101,651,700", "Fees": "0", "Goodwill": "519,400", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "8,721,400", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "34,704,800", "Other Compr. Net Income": "-6,478", "Other Expenses": "483,603", "Other Liabilities": "3,783,400", "Other Net Income": "1,528,577", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "466,600"}, "output_variables": {"Liabilities": "114,156,500", "Assets": "123,926,900", "Expenses": "483,603", "Revenues": "0", "Stockholders Equity": "9,770,400", "Net Income": "1,044,975", "Comprehensive Net Income": "1,038,497", "BaseVar": "122,705,564", "ECR before LimitedLiability": "9.5%", "Economic Capital Ratio": "9.6%"}}, "2017": {"input_variables": {"Assets and Securities": "52,803,200", "Cash Deposits and Cash Equivalents": "50,609,100", "Deposits": "112,390,800", "Fees": "0", "Goodwill": "605,600", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "9,639,100", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "34,108,000", "Other Compr. Net Income": "-34,429", "Other Expenses": "427,166", "Other Liabilities": "6,344,400", "Other Net Income": "1,660,730", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "464,600"}, "output_variables": {"Liabilities": "128,374,300", "Assets": "138,590,500", "Expenses": "427,166", "Revenues": "0", "Stockholders Equity": "10,216,200", "Net Income": "1,233,564", "Comprehensive Net Income": "1,199,136", "BaseVar": "137,334,419", "ECR before LimitedLiability": "9.2%", "Economic Capital Ratio": "9.3%"}}, "2018": {"input_variables": {"Assets and Securities": "58,200,300", "Cash Deposits and Cash Equivalents": "38,926,000", "Deposits": "104,496,800", "Fees": "739,400", "Goodwill": "669,300", "IT and Equipment Expense": "582,200", "Labor Expense": "2,163,600", "Liabilities and Borrowings": "11,043,600", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "201,100", "Other Assets": "33,988,700", "Other Compr. Net Income": "-20,936", "Other Expenses": "395,563", "Other Liabilities": "6,163,800", "Other Net Income": "2,104,833", "Other Noninterest Expense": "330,600", "Other Revenues": "225,800", "Property, Plant and Equipment": "428,200"}, "output_variables": {"Liabilities": "121,704,200", "Assets": "132,212,500", "Expenses": "4,412,463", "Revenues": "225,800", "Stockholders Equity": "10,508,300", "Net Income": "-2,081,829", "Comprehensive Net Income": "-2,102,765", "BaseVar": "139,235,068", "ECR before LimitedLiability": "0.36%", "Economic Capital Ratio": "2.6%"}}, "2019": {"input_variables": {"Assets and Securities": "60,275,200", "Cash Deposits and Cash Equivalents": "43,222,300", "Deposits": "109,120,600", "Fees": "776,249", "Goodwill": "696,800", "IT and Equipment Expense": "613,719", "Labor Expense": "2,215,412", "Liabilities and Borrowings": "11,575,400", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "213,636", "Other Assets": "32,150,800", "Other Compr. Net Income": "251,037", "Other Expenses": "459,410", "Other Liabilities": "5,041,400", "Other Net Income": "1,983,979", "Other Noninterest Expense": "329,802", "Other Revenues": "23,476,262", "Property, Plant and Equipment": "483,300"}, "output_variables": {"Liabilities": "125,737,400", "Assets": "136,828,400", "Expenses": "4,608,227", "Revenues": "23,476,262", "Stockholders Equity": "11,091,000", "Net Income": "20,852,014", "Comprehensive Net Income": "21,103,052", "BaseVar": "186,312,804", "ECR before LimitedLiability": "65%", "Economic Capital Ratio": "65%"}}}, "top_rated": false, "trend": 7.0, "value": 0.11387559833169193, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000073124.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000073124.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000073124.svg"}, {"company_id": "0000880641", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000880641.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 121, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 11% points.The greatest weakness of Eagle Financial Services INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 240% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 11%, being 3.9% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000880641_2020_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"}, "2013": {"Long-term Debt": "0.894", "Liabilities": "0.800", "Stockholders Equity": "0.825", "Goodwill": "-0.822", "ECR before LimitedLiability": "1.60", "Liabilities and Borrowings": "11.8", "Other Liabilities": "-191", "Deposits": "11.9", "Expenses": "0.288", "Net Income": "1.24", "Labor Expense": "0.273", "Other Revenues": "-0.159", "Revenues": "-0.159", "Loans and Leases Receivable": "10.3", "Cash Deposits and Cash Equivalents": "-1.58", "Assets and Securities": "-3.30", "Other Assets": "-8.19", "Property, Plant and Equipment": "0.979", "Comprehensive Net Income": "0.758", "Other Net Income": "1.11", "Other Compr. Net Income": "-0.489", "Economic Capital Ratio": "1.45"}, "2014": {"Cash Deposits and Cash Equivalents": "1.04", "Assets": "0.634", "Deposits": "14.6", "Stockholders Equity": "0.788", "ECR before LimitedLiability": "1.61", "Other Assets": "-7.63", "Property, Plant and Equipment": "1.13", "Assets and Securities": "-3.26", "Goodwill": "-0.852", "Loans and Leases Receivable": "9.92", "Expenses": "0.723", "Revenues": "-0.295", "Net Income": "0.914", "Labor Expense": "0.327", "Other Revenues": "-0.295", "Long-term Debt": "1.30", "Liabilities and Borrowings": "13.8", "Other Liabilities": "-196", "Comprehensive Net Income": "0.898", "Other Net Income": "0.487", "Economic Capital Ratio": "1.58"}, "2015": {"Deposits": "13.7", "Liabilities": "0.435", "Stockholders Equity": "1.34", "ECR before LimitedLiability": "1.99", "Long-term Debt": "1.19", "Other Liabilities": "-200", "Liabilities and Borrowings": "13.5", "Loans and Leases Receivable": "9.62", "Assets": "0.861", "Assets and Securities": "-2.93", "Property, Plant and Equipment": "1.30", "Cash Deposits and Cash Equivalents": "-0.305", "Goodwill": "-0.840", "Other Assets": "-6.64", "Expenses": "0.542", "Net Income": "0.584", "Other Revenues": "-0.327", "Revenues": "-0.327", "Comprehensive Net Income": "0.719", "Other Net Income": "0.369", "Economic Capital Ratio": "1.95"}, "2016": {"Liabilities and Borrowings": "12.0", "Liabilities": "-0.489", "Stockholders Equity": "0.708", "ECR before LimitedLiability": "0.430", "Deposits": "12.2", "Other Liabilities": "-201", "Long-term Debt": "0.843", "Assets and Securities": "-3.66", "Assets": "1.07", "Property, Plant and Equipment": "1.06", "Other Assets": "-4.04", "Goodwill": "-1.00", "Loans and Leases Receivable": "7.31", "Cash Deposits and Cash Equivalents": "0.608", "Other Expenses": "0.237", "Expenses": "0.943", "Labor Expense": "0.445", "Other Revenues": "-0.504", "Revenues": "-0.504", "Economic Capital Ratio": "0.387", "Other Net Income": "-0.600"}, "2017": {"Other Liabilities": "-207", "Liabilities": "-0.694", "ECR before LimitedLiability": "0.621", "Liabilities and Borrowings": "12.7", "Long-term Debt": "0.776", "Deposits": "13.0", "Loans and Leases Receivable": "6.70", "Assets": "0.620", "Comprehensive Net Income": "0.718", "Cash Deposits and Cash Equivalents": "0.435", "Assets and Securities": "-3.41", "Other Assets": "-3.10", "Property, Plant and Equipment": "0.809", "Goodwill": "-1.15", "Expenses": "1.02", "Net Income": "0.542", "Labor Expense": "0.544", "Other Revenues": "-0.549", "Revenues": "-0.549", "Other Compr. Net Income": "0.177", "Economic Capital Ratio": "0.572"}, "2018": {"Other Liabilities": "-221", "Liabilities": "-3.17", "Economic Capital Ratio": "-0.474", "Long-term Debt": "0.649", "Liabilities and Borrowings": "12.3", "Deposits": "12.4", "Property, Plant and Equipment": "0.771", "Assets": "2.62", "Assets and Securities": "-6.60", "Other Assets": "0.844", "Loans and Leases Receivable": "9.42", "Goodwill": "-1.21", "Cash Deposits and Cash Equivalents": "-1.50", "Labor Expense": "2.02", "Expenses": "3.93", "Net Income": "0.472", "Other Noninterest Expense": "0.483", "Other Expenses": "0.798", "Other Revenues": "-0.775", "Revenues": "-0.775", "Other Net Income": "-2.91"}, "2019": {"Liabilities": "3.29", "Stockholders Equity": "-1.18", "ECR before LimitedLiability": "-3.91", "Deposits": "11.3", "Other Liabilities": "-240", "Liabilities and Borrowings": "11.3", "Loans and Leases Receivable": "2.25", "Assets": "-4.13", "Other Assets": "3.06", "Goodwill": "-1.33", "Cash Deposits and Cash Equivalents": "-0.914", "Assets and Securities": "-7.72", "Expenses": "-6.97", "Revenues": "-0.894", "Net Income": "-3.76", "Other Expenses": "-0.928", "Labor Expense": "-4.24", "Other Revenues": "-0.894", "Comprehensive Net Income": "-3.39", "Other Net Income": "3.72", "Economic Capital Ratio": "-3.93"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "9,766", "Cash Deposits and Cash Equivalents": "14,243", "Deposits": "0", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,984", "Loans and Leases Receivable": "438,785", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "106,436", "Other Compr. Net Income": "-3,143", "Other Expenses": "2,388", "Other Liabilities": "517,054", "Other Net Income": "9,546", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "17,214"}, "output_variables": {"Liabilities": "520,038", "Assets": "586,444", "Expenses": "2,388", "Revenues": "0", "Stockholders Equity": "66,406", "Net Income": "7,158", "Comprehensive Net Income": "4,015", "BaseVar": "580,606", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2014": {"input_variables": {"Assets and Securities": "9,436", "Cash Deposits and Cash Equivalents": "34,564", "Deposits": "0", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,665", "Loans and Leases Receivable": "464,740", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "99,075", "Other Compr. Net Income": "-3,137", "Other Expenses": "1,815", "Other Liabilities": "551,033", "Other Net Income": "8,915", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "19,015"}, "output_variables": {"Liabilities": "553,698", "Assets": "626,830", "Expenses": "1,815", "Revenues": "0", "Stockholders Equity": "73,132", "Net Income": "7,100", "Comprehensive Net Income": "3,964", "BaseVar": "615,433", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2015": {"input_variables": {"Assets and Securities": "10,183", "Cash Deposits and Cash Equivalents": "23,221", "Deposits": "0", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,333", "Loans and Leases Receivable": "490,614", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "108,290", "Other Compr. Net Income": "378", "Other Expenses": "2,672", "Other Liabilities": "570,718", "Other Net Income": "9,435", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "20,964"}, "output_variables": {"Liabilities": "575,051", "Assets": "653,272", "Expenses": "2,672", "Revenues": "0", "Stockholders Equity": "78,221", "Net Income": "6,762", "Comprehensive Net Income": "7,140", "BaseVar": "636,821", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2016": {"input_variables": {"Assets and Securities": "11,562", "Cash Deposits and Cash Equivalents": "35,281", "Deposits": "0", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "16,856", "Loans and Leases Receivable": "512,437", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "120,700", "Other Compr. Net Income": "-715", "Other Expenses": "2,631", "Other Liabilities": "603,877", "Other Net Income": "8,575", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "20,169"}, "output_variables": {"Liabilities": "620,733", "Assets": "700,149", "Expenses": "2,631", "Revenues": "0", "Stockholders Equity": "79,416", "Net Income": "5,944", "Comprehensive Net Income": "5,230", "BaseVar": "682,077", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2017": {"input_variables": {"Assets and Securities": "12,139", "Cash Deposits and Cash Equivalents": "35,848", "Deposits": "0", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "18,520", "Loans and Leases Receivable": "564,406", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "133,779", "Other Compr. Net Income": "-343", "Other Expenses": "4,424", "Other Liabilities": "663,414", "Other Net Income": "13,349", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "19,579"}, "output_variables": {"Liabilities": "681,934", "Assets": "765,751", "Expenses": "4,424", "Revenues": "0", "Stockholders Equity": "83,817", "Net Income": "8,924", "Comprehensive Net Income": "8,582", "BaseVar": "756,722", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2018": {"input_variables": {"Assets and Securities": "15,236", "Cash Deposits and Cash Equivalents": "18,353", "Deposits": "0", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "8,914", "Loans and Leases Receivable": "601,371", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "145,574", "Other Compr. Net Income": "-783", "Other Expenses": "1,700", "Other Liabilities": "703,104", "Other Net Income": "9,767", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "19,083"}, "output_variables": {"Liabilities": "712,018", "Assets": "799,617", "Expenses": "1,700", "Revenues": "0", "Stockholders Equity": "87,599", "Net Income": "8,067", "Comprehensive Net Income": "7,285", "BaseVar": "778,049", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2019": {"input_variables": {"Assets and Securities": "18,194", "Cash Deposits and Cash Equivalents": "33,659", "Deposits": "0", "Fees": "1,162", "Goodwill": "0", "IT and Equipment Expense": "1,316", "Labor Expense": "15,025", "Liabilities and Borrowings": "9,450", "Loans and Leases Receivable": "639,787", "Long-term Debt": "0", "Occupancy": "1,611", "Other Assets": "166,383", "Other Compr. Net Income": "-705", "Other Expenses": "1,321", "Other Liabilities": "771,544", "Other Net Income": "28,880", "Other Noninterest Expense": "3,031", "Other Revenues": "0", "Property, Plant and Equipment": "19,297"}, "output_variables": {"Liabilities": "780,994", "Assets": "877,320", "Expenses": "23,466", "Revenues": "0", "Stockholders Equity": "96,326", "Net Income": "5,414", "Comprehensive Net Income": "4,709", "BaseVar": "925,446", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}}, "top_rated": false, "trend": -52.0, "value": 0.11322859602831563, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000880641.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000880641.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000880641.svg"}, {"company_id": "0001449794", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001449794.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 122, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 11% points.The greatest weakness of Embassy Bancorp Inc 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 11%, being 4.1% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001449794_2020_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"}, "2013": {"Long-term Debt": "0.346", "Liabilities": "-1.77", "Stockholders Equity": "-1.65", "ECR before LimitedLiability": "-1.48", "Liabilities and Borrowings": "8.80", "Other Liabilities": "-17.5", "Deposits": "-10.3", "Expenses": "0.538", "Net Income": "-0.222", "Other Expenses": "0.169", "Labor Expense": "0.240", "Goodwill": "-0.756", "Loans and Leases Receivable": "8.82", "Cash Deposits and Cash Equivalents": "-1.42", "Assets and Securities": "-4.04", "Other Assets": "-11.6", "Property, Plant and Equipment": "-0.902", "Other Net Income": "-0.642", "Comprehensive Net Income": "0.267", "Other Compr. Net Income": "0.482", "Economic Capital Ratio": "-1.63"}, "2014": {"Deposits": "-9.58", "Liabilities": "-1.71", "Stockholders Equity": "-1.80", "ECR before LimitedLiability": "-2.16", "Other Liabilities": "-18.1", "Liabilities and Borrowings": "10.6", "Long-term Debt": "0.989", "Cash Deposits and Cash Equivalents": "-1.46", "Assets": "-0.197", "Other Assets": "-9.68", "Property, Plant and Equipment": "-0.951", "Assets and Securities": "-4.03", "Goodwill": "-0.844", "Loans and Leases Receivable": "10.7", "Expenses": "0.646", "Revenues": "-0.283", "Comprehensive Net Income": "-0.215", "Labor Expense": "0.311", "Other Revenues": "-0.283", "Other Net Income": "-0.446", "Economic Capital Ratio": "-2.19"}, "2015": {"Deposits": "-7.37", "Liabilities": "-1.40", "Stockholders Equity": "-1.56", "ECR before LimitedLiability": "-1.46", "Long-term Debt": "0.717", "Other Liabilities": "-23.0", "Liabilities and Borrowings": "10.2", "Loans and Leases Receivable": "10.2", "Assets": "-0.236", "Assets and Securities": "-3.73", "Property, Plant and Equipment": "-0.859", "Cash Deposits and Cash Equivalents": "-1.14", "Goodwill": "-0.823", "Other Assets": "-10.1", "Expenses": "0.548", "Revenues": "-0.311", "Comprehensive Net Income": "0.189", "Labor Expense": "0.266", "Other Revenues": "-0.311", "Other Net Income": "-0.230", "Economic Capital Ratio": "-1.50"}, "2016": {"Liabilities and Borrowings": "8.96", "Liabilities": "-2.31", "Assets and Securities": "-4.42", "Stockholders Equity": "-1.98", "ECR before LimitedLiability": "-2.79", "Deposits": "-14.1", "Other Liabilities": "-17.2", "Long-term Debt": "0.728", "Other Expenses": "0.412", "Expenses": "1.02", "Net Income": "-0.644", "Other Revenues": "-0.457", "Revenues": "-0.457", "Property, Plant and Equipment": "-0.845", "Other Assets": "-8.43", "Goodwill": "-0.943", "Loans and Leases Receivable": "8.92", "Cash Deposits and Cash Equivalents": "-1.13", "Comprehensive Net Income": "-0.563", "Other Net Income": "-1.28", "Economic Capital Ratio": "-2.83"}, "2017": {"Other Liabilities": "-18.1", "Liabilities": "-2.45", "Loans and Leases Receivable": "9.12", "Stockholders Equity": "-2.27", "ECR before LimitedLiability": "-2.99", "Liabilities and Borrowings": "9.35", "Long-term Debt": "0.679", "Deposits": "-12.9", "Expenses": "0.982", "Net Income": "-0.519", "Labor Expense": "0.490", "Other Revenues": "-0.505", "Revenues": "-0.505", "Cash Deposits and Cash Equivalents": "-0.528", "Assets and Securities": "-4.24", "Other Assets": "-7.84", "Property, Plant and Equipment": "-0.891", "Goodwill": "-1.10", "Comprehensive Net Income": "-0.469", "Other Net Income": "-1.05", "Economic Capital Ratio": "-3.04"}, "2018": {"Other Liabilities": "-26.5", "Liabilities": "-4.80", "Stockholders Equity": "-2.39", "ECR before LimitedLiability": "-3.22", "Long-term Debt": "0.583", "Liabilities and Borrowings": "9.52", "Deposits": "-8.94", "Property, Plant and Equipment": "-0.809", "Assets": "1.66", "Assets and Securities": "-7.63", "Other Assets": "-4.77", "Loans and Leases Receivable": "9.51", "Goodwill": "-1.16", "Cash Deposits and Cash Equivalents": "-1.31", "Labor Expense": "1.80", "Expenses": "3.24", "Other Expenses": "0.588", "Other Revenues": "-0.726", "Revenues": "-0.726", "Economic Capital Ratio": "-3.31", "Other Net Income": "-3.46"}, "2019": {"Liabilities": "-5.25", "Stockholders Equity": "-2.34", "ECR before LimitedLiability": "-4.03", "Deposits": "-12.5", "Other Liabilities": "-24.1", "Liabilities and Borrowings": "11.2", "Loans and Leases Receivable": "10.7", "Assets": "2.12", "Other Assets": "-2.67", "Goodwill": "-1.20", "Cash Deposits and Cash Equivalents": "-0.915", "Assets and Securities": "-7.55", "Expenses": "3.73", "Revenues": "-0.807", "Net Income": "-0.825", "Other Expenses": "0.853", "Labor Expense": "1.95", "Other Revenues": "-0.807", "Comprehensive Net Income": "-0.859", "Other Net Income": "-4.15", "Economic Capital Ratio": "-4.06"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "2,776", "Cash Deposits and Cash Equivalents": "16,831", "Deposits": "569,037", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,190", "Loans and Leases Receivable": "563,257", "Long-term Debt": "3,900", "Occupancy": "0", "Other Assets": "86,089", "Other Compr. Net Income": "-1,742", "Other Expenses": "2,141", "Other Liabilities": "40,653", "Other Net Income": "7,664", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "1,882"}, "output_variables": {"Liabilities": "616,780", "Assets": "670,835", "Expenses": "2,141", "Revenues": "0", "Stockholders Equity": "54,055", "Net Income": "5,523", "Comprehensive Net Income": "3,781", "BaseVar": "664,765", "ECR before LimitedLiability": "8.6%", "Economic Capital Ratio": "8.8%"}}, "2014": {"input_variables": {"Assets and Securities": "3,348", "Cash Deposits and Cash Equivalents": "15,390", "Deposits": "611,668", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,541", "Loans and Leases Receivable": "604,967", "Long-term Debt": "1,900", "Occupancy": "0", "Other Assets": "93,874", "Other Compr. Net Income": "925", "Other Expenses": "2,479", "Other Liabilities": "39,653", "Other Net Income": "8,884", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "1,515"}, "output_variables": {"Liabilities": "657,762", "Assets": "719,094", "Expenses": "2,479", "Revenues": "0", "Stockholders Equity": "61,332", "Net Income": "6,405", "Comprehensive Net Income": "7,330", "BaseVar": "710,731", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2015": {"input_variables": {"Assets and Securities": "3,572", "Cash Deposits and Cash Equivalents": "19,526", "Deposits": "660,266", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,548", "Loans and Leases Receivable": "684,047", "Long-term Debt": "3,820", "Occupancy": "0", "Other Assets": "94,635", "Other Compr. Net Income": "373", "Other Expenses": "2,943", "Other Liabilities": "67,303", "Other Net Income": "10,335", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "2,258"}, "output_variables": {"Liabilities": "735,937", "Assets": "804,038", "Expenses": "2,943", "Revenues": "0", "Stockholders Equity": "68,101", "Net Income": "7,392", "Comprehensive Net Income": "7,765", "BaseVar": "794,762", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "11%"}}, "2016": {"input_variables": {"Assets and Securities": "4,129", "Cash Deposits and Cash Equivalents": "24,218", "Deposits": "833,384", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,869", "Loans and Leases Receivable": "792,598", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "101,179", "Other Compr. Net Income": "-878", "Other Expenses": "2,852", "Other Liabilities": "12,702", "Other Net Income": "10,006", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "2,109"}, "output_variables": {"Liabilities": "850,955", "Assets": "924,233", "Expenses": "2,852", "Revenues": "0", "Stockholders Equity": "73,278", "Net Income": "7,154", "Comprehensive Net Income": "6,276", "BaseVar": "912,525", "ECR before LimitedLiability": "8.9%", "Economic Capital Ratio": "9.1%"}}, "2017": {"input_variables": {"Assets and Securities": "3,286", "Cash Deposits and Cash Equivalents": "33,534", "Deposits": "900,854", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,470", "Loans and Leases Receivable": "851,711", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "106,506", "Other Compr. Net Income": "-491", "Other Expenses": "4,453", "Other Liabilities": "10,873", "Other Net Income": "11,776", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "1,929"}, "output_variables": {"Liabilities": "917,197", "Assets": "996,966", "Expenses": "4,453", "Revenues": "0", "Stockholders Equity": "79,769", "Net Income": "7,323", "Comprehensive Net Income": "6,832", "BaseVar": "987,429", "ECR before LimitedLiability": "9.0%", "Economic Capital Ratio": "9.2%"}}, "2018": {"input_variables": {"Assets and Securities": "4,270", "Cash Deposits and Cash Equivalents": "27,576", "Deposits": "931,515", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "6,080", "Loans and Leases Receivable": "949,944", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "115,423", "Other Compr. Net Income": "-684", "Other Expenses": "3,056", "Other Liabilities": "74,567", "Other Net Income": "12,354", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "2,174"}, "output_variables": {"Liabilities": "1,012,162", "Assets": "1,099,387", "Expenses": "3,056", "Revenues": "0", "Stockholders Equity": "87,225", "Net Income": "9,299", "Comprehensive Net Income": "8,615", "BaseVar": "1,084,984", "ECR before LimitedLiability": "9.3%", "Economic Capital Ratio": "9.5%"}}, "2019": {"input_variables": {"Assets and Securities": "13,279", "Cash Deposits and Cash Equivalents": "39,986", "Deposits": "1,031,968", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "15,980", "Loans and Leases Receivable": "1,006,117", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "114,614", "Other Compr. Net Income": "-378", "Other Expenses": "2,440", "Other Liabilities": "28,556", "Other Net Income": "13,363", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "2,123"}, "output_variables": {"Liabilities": "1,076,504", "Assets": "1,176,119", "Expenses": "2,440", "Revenues": "0", "Stockholders Equity": "99,615", "Net Income": "10,923", "Comprehensive Net Income": "10,545", "BaseVar": "1,155,682", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}}, "top_rated": false, "trend": -14.0, "value": 0.11196487951112304, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001449794.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001449794.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001449794.svg"}, {"company_id": "0001505732", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001505732.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001505732.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001505732.jpg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001505732_256x256.png", "name": "Bankwell Financial Group Inc", "rank": 123, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001505732.svg", "report_text": "The relative strengths and weaknesses of Bankwell 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 Bankwell Financial Group Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Bankwell Financial Group Inc 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 11%, being 4.1% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001505732_2020_Bankwell_Financial_Group_Inc.pdf", "shrinked_graph_json": {"2014": {"Deposits": "-3.49", "Liabilities": "-1.49", "Stockholders Equity": "1.01", "ECR before LimitedLiability": "-1.65", "Other Liabilities": "-25.7", "Liabilities and Borrowings": "11.1", "Long-term Debt": "1.20", "Assets": "2.17", "Other Assets": "-10.7", "Property, Plant and Equipment": "-0.294", "Assets and Securities": "-4.16", "Goodwill": "-0.662", "Loans and Leases Receivable": "11.2", "Expenses": "1.14", "Net Income": "-1.76", "Other Expenses": "0.646", "Labor Expense": "0.310", "Other Compr. Net Income": "-0.572", "Comprehensive Net Income": "-2.35", "Other Net Income": "-2.66", "Economic Capital Ratio": "-1.68"}, "2015": {"Deposits": "-5.08", "Liabilities": "-1.11", "Stockholders Equity": "-0.351", "ECR before LimitedLiability": "-1.14", "Long-term Debt": "1.09", "Other Liabilities": "10.6", "Liabilities and Borrowings": "-39.4", "Loans and Leases Receivable": "10.5", "Assets": "0.618", "Assets and Securities": "-3.88", "Property, Plant and Equipment": "-0.453", "Cash Deposits and Cash Equivalents": "1.88", "Goodwill": "-0.683", "Other Assets": "-12.9", "Expenses": "0.546", "Net Income": "-0.837", "Other Revenues": "-0.312", "Revenues": "-0.312", "Comprehensive Net Income": "-0.640", "Other Net Income": "-1.08", "Economic Capital Ratio": "-1.18"}, "2016": {"Liabilities and Borrowings": "-39.4", "Liabilities": "-1.94", "Stockholders Equity": "-1.22", "ECR before LimitedLiability": "-1.42", "Deposits": "-4.20", "Other Liabilities": "10.3", "Long-term Debt": "0.790", "Assets and Securities": "-4.50", "Assets": "0.512", "Other Assets": "-9.13", "Goodwill": "-0.868", "Loans and Leases Receivable": "9.75", "Cash Deposits and Cash Equivalents": "1.17", "Expenses": "0.898", "Revenues": "-0.485", "Net Income": "-0.722", "Labor Expense": "0.424", "Other Revenues": "-0.485", "Other Net Income": "-1.17", "Economic Capital Ratio": "-1.46", "Other Compr. Net Income": "0.708"}, "2017": {"Other Liabilities": "10.3", "Liabilities": "-1.50", "Loans and Leases Receivable": "9.73", "Stockholders Equity": "-1.60", "ECR before LimitedLiability": "-2.01", "Liabilities and Borrowings": "-40.5", "Long-term Debt": "0.722", "Deposits": "-1.29", "Expenses": "0.437", "Revenues": "-0.528", "Net Income": "-0.412", "Other Expenses": "-0.388", "Labor Expense": "0.517", "Other Revenues": "-0.528", "Assets and Securities": "-4.13", "Other Assets": "-8.61", "Property, Plant and Equipment": "-0.334", "Goodwill": "-1.03", "Comprehensive Net Income": "-0.275", "Other Net Income": "-0.328", "Economic Capital Ratio": "-2.06"}, "2018": {"Other Liabilities": "10.9", "Liabilities": "0.734", "Assets": "-2.40", "Stockholders Equity": "-1.91", "ECR before LimitedLiability": "-1.87", "Long-term Debt": "0.663", "Liabilities and Borrowings": "-40.7", "Deposits": "-0.933", "Assets and Securities": "-8.04", "Other Assets": "-6.31", "Loans and Leases Receivable": "9.99", "Goodwill": "-1.18", "Labor Expense": "-1.60", "Expenses": "-2.82", "Revenues": "-0.490", "Net Income": "-0.737", "Occupancy": "-0.978", "Other Revenues": "-0.490", "Other Net Income": "2.40", "Economic Capital Ratio": "-1.96", "Other Compr. Net Income": "0.489"}, "2019": {"Loans and Leases Receivable": "9.32", "Assets": "-2.04", "Long-term Debt": "0.567", "Stockholders Equity": "-1.92", "ECR before LimitedLiability": "-4.04", "Other Assets": "-7.10", "Goodwill": "-1.19", "Cash Deposits and Cash Equivalents": "-0.580", "Assets and Securities": "-5.04", "Expenses": "-2.82", "Revenues": "-0.574", "Net Income": "-1.31", "Occupancy": "-1.14", "Labor Expense": "-1.69", "Other Revenues": "-0.574", "Liabilities and Borrowings": "-36.4", "Other Liabilities": "11.2", "Comprehensive Net Income": "-2.23", "Other Net Income": "1.98", "Other Compr. Net Income": "-0.903", "Economic Capital Ratio": "-4.07"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001505732_strength_weakness.svg", "table_records": {"2014": {"input_variables": {"Assets and Securities": "2,029", "Cash Deposits and Cash Equivalents": "48,559", "Deposits": "835,439", "Fees": "0", "Goodwill": "2,589", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "915,981", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "118,463", "Other Compr. Net Income": "107", "Other Expenses": "2,169", "Other Liabilities": "134,882", "Other Net Income": "6,737", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "11,910"}, "output_variables": {"Liabilities": "970,321", "Assets": "1,099,531", "Expenses": "2,169", "Revenues": "0", "Stockholders Equity": "129,210", "Net Income": "4,568", "Comprehensive Net Income": "4,675", "BaseVar": "1,051,285", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2015": {"input_variables": {"Assets and Securities": "2,851", "Cash Deposits and Cash Equivalents": "88,597", "Deposits": "1,046,942", "Fees": "0", "Goodwill": "2,589", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "882,389", "Loans and Leases Receivable": "1,129,748", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "95,424", "Other Compr. Net Income": "-304", "Other Expenses": "4,841", "Other Liabilities": "-730,728", "Other Net Income": "13,871", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "11,163"}, "output_variables": {"Liabilities": "1,198,603", "Assets": "1,330,372", "Expenses": "4,841", "Revenues": "0", "Stockholders Equity": "131,769", "Net Income": "9,030", "Comprehensive Net Income": "8,726", "BaseVar": "1,299,002", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2016": {"input_variables": {"Assets and Securities": "7,174", "Cash Deposits and Cash Equivalents": "96,355", "Deposits": "1,289,037", "Fees": "0", "Goodwill": "2,589", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,101,444", "Loans and Leases Receivable": "1,343,895", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "161,071", "Other Compr. Net Income": "663", "Other Expenses": "5,960", "Other Liabilities": "-907,457", "Other Net Income": "18,310", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "17,835"}, "output_variables": {"Liabilities": "1,483,024", "Assets": "1,628,919", "Expenses": "5,960", "Revenues": "0", "Stockholders Equity": "145,895", "Net Income": "12,350", "Comprehensive Net Income": "13,013", "BaseVar": "1,601,225", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2017": {"input_variables": {"Assets and Securities": "10,448", "Cash Deposits and Cash Equivalents": "70,731", "Deposits": "1,398,405", "Fees": "0", "Goodwill": "2,589", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,225,767", "Loans and Leases Receivable": "1,520,879", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "173,764", "Other Compr. Net Income": "561", "Other Expenses": "37,878", "Other Liabilities": "-988,592", "Other Net Income": "54,294", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "18,196"}, "output_variables": {"Liabilities": "1,635,580", "Assets": "1,796,607", "Expenses": "37,878", "Revenues": "0", "Stockholders Equity": "161,027", "Net Income": "16,415", "Comprehensive Net Income": "16,977", "BaseVar": "1,884,404", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2018": {"input_variables": {"Assets and Securities": "10,037", "Cash Deposits and Cash Equivalents": "78,112", "Deposits": "1,502,244", "Fees": "2,882", "Goodwill": "2,589", "IT and Equipment Expense": "2,033", "Labor Expense": "18,973", "Liabilities and Borrowings": "1,329,046", "Loans and Leases Receivable": "1,586,775", "Long-term Debt": "0", "Occupancy": "6,790", "Other Assets": "176,381", "Other Compr. Net Income": "160", "Other Expenses": "7,472", "Other Liabilities": "-1,131,821", "Other Net Income": "198,687", "Other Noninterest Expense": "2,232", "Other Revenues": "1,604", "Property, Plant and Equipment": "19,771"}, "output_variables": {"Liabilities": "1,699,469", "Assets": "1,873,665", "Expenses": "40,382", "Revenues": "1,604", "Stockholders Equity": "174,196", "Net Income": "159,909", "Comprehensive Net Income": "160,068", "BaseVar": "2,223,678", "ECR before LimitedLiability": "40%", "Economic Capital Ratio": "40%"}}, "2019": {"input_variables": {"Assets and Securities": "104,635", "Cash Deposits and Cash Equivalents": "78,051", "Deposits": "1,491,903", "Fees": "2,168", "Goodwill": "2,589", "IT and Equipment Expense": "2,068", "Labor Expense": "19,445", "Liabilities and Borrowings": "1,300,385", "Loans and Leases Receivable": "1,588,840", "Long-term Debt": "0", "Occupancy": "7,702", "Other Assets": "79,545", "Other Compr. Net Income": "0", "Other Expenses": "6,605", "Other Liabilities": "-1,092,503", "Other Net Income": "55,752", "Other Noninterest Expense": "2,810", "Other Revenues": "1,462", "Property, Plant and Equipment": "28,522"}, "output_variables": {"Liabilities": "1,699,785", "Assets": "1,882,182", "Expenses": "40,798", "Revenues": "1,462", "Stockholders Equity": "182,397", "Net Income": "16,416", "Comprehensive Net Income": "16,416", "BaseVar": "1,968,874", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}}, "top_rated": false, "trend": -33.0, "value": 0.11189497752981933, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001505732.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001505732.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001505732.svg"}, {"company_id": "0001327607", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001327607.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001327607.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001327607.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001327607_256x256.png", "name": "First Western Financial Inc", "rank": 124, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001327607.svg", "report_text": "The relative strengths and weaknesses of First Western Financial Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of First Western Financial Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 11% points.The greatest weakness of First Western Financial Inc 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 11%, being 4.1% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001327607_2020_First_Western_Financial_Inc.pdf", "shrinked_graph_json": {"2018": {"Other Liabilities": "10.7", "Liabilities": "6.32", "Stockholders Equity": "-1.49", "ECR before LimitedLiability": "-2.05", "Liabilities and Borrowings": "-34.4", "Assets": "-8.27", "Assets and Securities": "-8.95", "Other Assets": "10.7", "Loans and Leases Receivable": "-38.8", "Cash Deposits and Cash Equivalents": "1.25", "Labor Expense": "-8.05", "Expenses": "-12.7", "Revenues": "10.5", "Net Income": "-2.39", "Fees": "-1.01", "Occupancy": "-1.62", "Other Expenses": "-2.00", "Other Revenues": "10.5", "Comprehensive Net Income": "-1.97", "Other Net Income": "-9.05", "Economic Capital Ratio": "-2.14"}, "2019": {"Liabilities": "5.42", "Assets": "-7.55", "Stockholders Equity": "-2.26", "ECR before LimitedLiability": "-4.04", "Deposits": "-1.88", "Other Liabilities": "11.2", "Liabilities and Borrowings": "-33.4", "Loans and Leases Receivable": "4.12", "Other Assets": "-6.24", "Assets and Securities": "-5.40", "Expenses": "-11.3", "Revenues": "10.8", "Net Income": "-2.52", "Fees": "-0.876", "Other Expenses": "-1.82", "Occupancy": "-1.27", "Labor Expense": "-7.28", "Other Revenues": "10.8", "Comprehensive Net Income": "-3.10", "Other Net Income": "-9.74", "Economic Capital Ratio": "-4.07"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001327607_strength_weakness.svg", "table_records": {"2018": {"input_variables": {"Assets and Securities": "2,518", "Cash Deposits and Cash Equivalents": "73,357", "Deposits": "937,758", "Fees": "3,451", "Goodwill": "24,811", "IT and Equipment Expense": "0", "Labor Expense": "29,771", "Liabilities and Borrowings": "742,802", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "5,853", "Other Assets": "977,538", "Other Compr. Net Income": "-357", "Other Expenses": "10,524", "Other Liabilities": "-713,111", "Other Net Income": "0", "Other Noninterest Expense": "2,371", "Other Revenues": "57,617", "Property, Plant and Equipment": "6,100"}, "output_variables": {"Liabilities": "967,449", "Assets": "1,084,324", "Expenses": "51,970", "Revenues": "57,617", "Stockholders Equity": "116,875", "Net Income": "5,647", "Comprehensive Net Income": "5,290", "BaseVar": "1,225,435", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2019": {"input_variables": {"Assets and Securities": "75,447", "Cash Deposits and Cash Equivalents": "78,638", "Deposits": "1,086,784", "Fees": "3,519", "Goodwill": "19,686", "IT and Equipment Expense": "0", "Labor Expense": "31,810", "Liabilities and Borrowings": "866,960", "Loans and Leases Receivable": "990,132", "Long-term Debt": "0", "Occupancy": "5,562", "Other Assets": "82,561", "Other Compr. Net Income": "1,356", "Other Expenses": "12,459", "Other Liabilities": "-829,740", "Other Net Income": "0", "Other Noninterest Expense": "2,617", "Other Revenues": "63,976", "Property, Plant and Equipment": "5,218"}, "output_variables": {"Liabilities": "1,124,004", "Assets": "1,251,682", "Expenses": "55,967", "Revenues": "63,976", "Stockholders Equity": "127,678", "Net Income": "8,009", "Comprehensive Net Income": "9,365", "BaseVar": "1,408,001", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}}, "top_rated": false, "trend": -28.0, "value": 0.11185168874618899, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001327607.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001327607.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001327607.svg"}, {"company_id": "0000716605", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000716605.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 125, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 11% points.The greatest weakness of Penns Woods Bancorp INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 197% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 11%, being 4.2% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000716605_2020_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"}, "2013": {"Long-term Debt": "-4.17", "Liabilities": "0.417", "Stockholders Equity": "0.165", "ECR before LimitedLiability": "-0.406", "Liabilities and Borrowings": "9.84", "Other Liabilities": "-166", "Deposits": "9.90", "Goodwill": "0.206", "Assets": "-0.217", "Loans and Leases Receivable": "5.94", "Cash Deposits and Cash Equivalents": "-1.84", "Assets and Securities": "-4.02", "Other Assets": "-1.63", "Expenses": "0.705", "Net Income": "0.940", "Other Expenses": "0.307", "Labor Expense": "0.258", "Other Net Income": "0.392", "Other Compr. Net Income": "-1.60", "Comprehensive Net Income": "-0.606", "Economic Capital Ratio": "-0.554"}, "2014": {"Cash Deposits and Cash Equivalents": "-1.85", "Assets": "0.238", "Comprehensive Net Income": "1.38", "ECR before LimitedLiability": "1.46", "Other Assets": "-3.50", "Assets and Securities": "-3.87", "Goodwill": "0.153", "Loans and Leases Receivable": "8.84", "Expenses": "0.824", "Net Income": "1.02", "Other Expenses": "0.290", "Labor Expense": "0.327", "Other Revenues": "-0.296", "Revenues": "-0.296", "Other Compr. Net Income": "0.355", "Other Net Income": "0.495", "Deposits": "14.4", "Economic Capital Ratio": "1.42", "Long-term Debt": "-3.86", "Liabilities and Borrowings": "13.6", "Other Liabilities": "-172"}, "2015": {"Deposits": "11.8", "Liabilities": "-0.437", "Economic Capital Ratio": "0.0390", "Long-term Debt": "-4.95", "Other Liabilities": "-173", "Liabilities and Borrowings": "11.7", "Loans and Leases Receivable": "9.90", "Assets": "0.315", "Assets and Securities": "-3.70", "Property, Plant and Equipment": "0.132", "Cash Deposits and Cash Equivalents": "-1.66", "Goodwill": "0.110", "Other Assets": "-6.80", "Expenses": "0.871", "Net Income": "0.532", "Other Expenses": "0.376", "Labor Expense": "0.277", "Other Noninterest Expense": "0.0972", "Other Revenues": "-0.322", "Revenues": "-0.322", "Comprehensive Net Income": "0.215", "Other Compr. Net Income": "-0.320"}, "2016": {"Liabilities and Borrowings": "11.5", "Liabilities": "-1.15", "Stockholders Equity": "-0.193", "ECR before LimitedLiability": "-0.187", "Deposits": "11.6", "Other Liabilities": "-182", "Long-term Debt": "-4.80", "Assets and Securities": "-4.54", "Assets": "0.791", "Property, Plant and Equipment": "0.254", "Other Assets": "-6.92", "Loans and Leases Receivable": "9.96", "Cash Deposits and Cash Equivalents": "-0.728", "Other Expenses": "0.327", "Expenses": "1.02", "Labor Expense": "0.440", "Other Revenues": "-0.499", "Revenues": "-0.499", "Economic Capital Ratio": "-0.230", "Other Net Income": "-0.645", "Other Compr. Net Income": "0.278"}, "2017": {"Other Liabilities": "-192", "Liabilities": "-1.77", "Stockholders Equity": "-1.21", "ECR before LimitedLiability": "-1.98", "Liabilities and Borrowings": "10.3", "Long-term Debt": "-3.37", "Deposits": "10.4", "Loans and Leases Receivable": "9.66", "Assets": "0.387", "Cash Deposits and Cash Equivalents": "-1.63", "Assets and Securities": "-4.27", "Other Assets": "-7.54", "Goodwill": "-0.296", "Expenses": "0.851", "Revenues": "-0.525", "Net Income": "-0.780", "Labor Expense": "0.514", "Other Revenues": "-0.525", "Comprehensive Net Income": "-0.552", "Other Net Income": "-1.13", "Economic Capital Ratio": "-2.02"}, "2018": {"Other Liabilities": "-194", "Liabilities": "0.901", "Stockholders Equity": "-2.54", "ECR before LimitedLiability": "-3.57", "Long-term Debt": "-6.40", "Liabilities and Borrowings": "9.19", "Deposits": "9.19", "Assets": "-3.21", "Assets and Securities": "-2.73", "Other Assets": "-10.2", "Loans and Leases Receivable": "7.70", "Goodwill": "-0.528", "Cash Deposits and Cash Equivalents": "-0.509", "Labor Expense": "-2.37", "Expenses": "-3.86", "Net Income": "-1.59", "Other Net Income": "1.90", "Fees": "-0.465", "Other Noninterest Expense": "-0.598", "Comprehensive Net Income": "-1.34", "Economic Capital Ratio": "-3.66"}, "2019": {"Long-term Debt": "-8.15", "Liabilities": "1.31", "Stockholders Equity": "-2.40", "ECR before LimitedLiability": "-4.16", "Deposits": "11.1", "Other Liabilities": "-197", "Liabilities and Borrowings": "11.1", "Loans and Leases Receivable": "7.26", "Assets": "-3.34", "Other Assets": "-6.26", "Goodwill": "-0.559", "Property, Plant and Equipment": "-1.01", "Cash Deposits and Cash Equivalents": "-1.53", "Assets and Securities": "-2.27", "Other Noninterest Expense": "-0.697", "Expenses": "-4.35", "Net Income": "-2.05", "Other Net Income": "2.19", "Labor Expense": "-2.70", "Comprehensive Net Income": "-2.11", "Economic Capital Ratio": "-4.19"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "7,646", "Cash Deposits and Cash Equivalents": "24,606", "Deposits": "0", "Fees": "0", "Goodwill": "17,104", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "12,855", "Loans and Leases Receivable": "808,200", "Long-term Debt": "71,202", "Occupancy": "0", "Other Assets": "334,255", "Other Compr. Net Income": "-10,251", "Other Expenses": "3,451", "Other Liabilities": "1,000,123", "Other Net Income": "17,535", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "20,184"}, "output_variables": {"Liabilities": "1,084,180", "Assets": "1,211,995", "Expenses": "3,451", "Revenues": "0", "Stockholders Equity": "127,815", "Net Income": "14,084", "Comprehensive Net Income": "3,833", "BaseVar": "1,204,783", "ECR before LimitedLiability": "9.8%", "Economic Capital Ratio": "9.9%"}}, "2014": {"input_variables": {"Assets and Securities": "8,139", "Cash Deposits and Cash Equivalents": "19,908", "Deposits": "0", "Fees": "0", "Goodwill": "17,104", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "15,250", "Loans and Leases Receivable": "905,000", "Long-term Debt": "71,176", "Occupancy": "0", "Other Assets": "273,751", "Other Compr. Net Income": "-2,119", "Other Expenses": "4,090", "Other Liabilities": "1,022,618", "Other Net Income": "18,584", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "21,109"}, "output_variables": {"Liabilities": "1,109,044", "Assets": "1,245,011", "Expenses": "4,090", "Revenues": "0", "Stockholders Equity": "135,967", "Net Income": "14,494", "Comprehensive Net Income": "12,375", "BaseVar": "1,222,025", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2015": {"input_variables": {"Assets and Securities": "6,768", "Cash Deposits and Cash Equivalents": "22,796", "Deposits": "0", "Fees": "0", "Goodwill": "17,104", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "13,809", "Loans and Leases Receivable": "1,033,163", "Long-term Debt": "91,025", "Occupancy": "0", "Other Assets": "218,396", "Other Compr. Net Income": "-216", "Other Expenses": "3,684", "Other Liabilities": "1,078,944", "Other Net Income": "17,486", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "21,830"}, "output_variables": {"Liabilities": "1,183,778", "Assets": "1,320,057", "Expenses": "3,684", "Revenues": "0", "Stockholders Equity": "136,279", "Net Income": "13,802", "Comprehensive Net Income": "13,586", "BaseVar": "1,290,733", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2016": {"input_variables": {"Assets and Securities": "5,524", "Cash Deposits and Cash Equivalents": "43,671", "Deposits": "0", "Fees": "0", "Goodwill": "17,104", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "15,433", "Loans and Leases Receivable": "1,080,785", "Long-term Debt": "85,998", "Occupancy": "0", "Other Assets": "177,231", "Other Compr. Net Income": "-1,478", "Other Expenses": "5,222", "Other Liabilities": "1,108,910", "Other Net Income": "16,964", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "24,275"}, "output_variables": {"Liabilities": "1,210,341", "Assets": "1,348,590", "Expenses": "5,222", "Revenues": "0", "Stockholders Equity": "138,249", "Net Income": "11,742", "Comprehensive Net Income": "10,264", "BaseVar": "1,322,415", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2017": {"input_variables": {"Assets and Securities": "5,179", "Cash Deposits and Cash Equivalents": "27,243", "Deposits": "0", "Fees": "0", "Goodwill": "17,104", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "17,758", "Loans and Leases Receivable": "1,233,756", "Long-term Debt": "70,970", "Occupancy": "0", "Other Assets": "163,824", "Other Compr. Net Income": "115", "Other Expenses": "15,138", "Other Liabilities": "1,247,570", "Other Net Income": "17,263", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "27,386"}, "output_variables": {"Liabilities": "1,336,298", "Assets": "1,474,492", "Expenses": "15,138", "Revenues": "0", "Stockholders Equity": "138,194", "Net Income": "2,125", "Comprehensive Net Income": "2,240", "BaseVar": "1,464,411", "ECR before LimitedLiability": "8.2%", "Economic Capital Ratio": "8.4%"}}, "2018": {"input_variables": {"Assets and Securities": "138,581", "Cash Deposits and Cash Equivalents": "66,742", "Deposits": "0", "Fees": "2,996", "Goodwill": "17,104", "IT and Equipment Expense": "3,092", "Labor Expense": "21,083", "Liabilities and Borrowings": "13,367", "Loans and Leases Receivable": "1,370,920", "Long-term Debt": "138,942", "Occupancy": "2,702", "Other Assets": "63,844", "Other Compr. Net Income": "-470", "Other Expenses": "5,760", "Other Liabilities": "1,388,918", "Other Net Income": "54,374", "Other Noninterest Expense": "5,247", "Other Revenues": "3,996", "Property, Plant and Equipment": "27,580"}, "output_variables": {"Liabilities": "1,541,227", "Assets": "1,684,771", "Expenses": "40,880", "Revenues": "3,996", "Stockholders Equity": "143,544", "Net Income": "17,490", "Comprehensive Net Income": "17,020", "BaseVar": "1,793,990", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2019": {"input_variables": {"Assets and Securities": "161,141", "Cash Deposits and Cash Equivalents": "48,589", "Deposits": "0", "Fees": "3,053", "Goodwill": "17,104", "IT and Equipment Expense": "3,256", "Labor Expense": "21,856", "Liabilities and Borrowings": "13,655", "Loans and Leases Receivable": "1,343,650", "Long-term Debt": "161,920", "Occupancy": "2,712", "Other Assets": "94,839", "Other Compr. Net Income": "2,080", "Other Expenses": "6,663", "Other Liabilities": "1,334,766", "Other Net Income": "50,979", "Other Noninterest Expense": "5,210", "Other Revenues": "3,762", "Property, Plant and Equipment": "0"}, "output_variables": {"Liabilities": "1,510,341", "Assets": "1,665,323", "Expenses": "42,751", "Revenues": "3,762", "Stockholders Equity": "154,982", "Net Income": "11,991", "Comprehensive Net Income": "14,070", "BaseVar": "1,768,555", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}}, "top_rated": false, "trend": -14.0, "value": 0.11070818296832799, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000716605.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000716605.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000716605.svg"}, {"company_id": "0001227500", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001227500.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001227500.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001227500.jpg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001227500_256x256.png", "name": "Equity Bancshares INC", "rank": 126, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001227500.svg", "report_text": "The relative strengths and weaknesses of Equity 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 Equity Bancshares INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Equity Bancshares INC 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 11%, being 4.2% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001227500_2020_Equity_Bancshares_INC.pdf", "shrinked_graph_json": {"2016": {"Liabilities and Borrowings": "-39.2", "Liabilities": "-1.62", "Stockholders Equity": "1.18", "ECR before LimitedLiability": "-0.499", "Deposits": "-1.82", "Other Liabilities": "11.3", "Long-term Debt": "0.809", "Assets and Securities": "-4.25", "Assets": "2.44", "Property, Plant and Equipment": "0.649", "Other Assets": "4.82", "Goodwill": "0.988", "Loans and Leases Receivable": "1.61", "Cash Deposits and Cash Equivalents": "-1.74", "Other Expenses": "0.792", "Expenses": "1.46", "Net Income": "-1.91", "Other Compr. Net Income": "0.519", "Comprehensive Net Income": "-1.38", "Other Net Income": "-2.94", "Economic Capital Ratio": "-0.542"}, "2017": {"Other Liabilities": "12.2", "Liabilities": "-1.27", "Stockholders Equity": "0.872", "Economic Capital Ratio": "-0.194", "Liabilities and Borrowings": "-38.3", "Long-term Debt": "0.756", "Deposits": "-0.851", "Loans and Leases Receivable": "2.69", "Assets": "1.87", "Cash Deposits and Cash Equivalents": "-1.67", "Assets and Securities": "-4.18", "Other Assets": "3.32", "Property, Plant and Equipment": "0.417", "Goodwill": "1.31", "Expenses": "1.51", "Revenues": "-0.539", "Net Income": "-0.791", "Other Expenses": "0.679", "Labor Expense": "0.533", "Other Revenues": "-0.539", "Comprehensive Net Income": "-0.738", "Other Net Income": "-1.79"}, "2018": {"Other Liabilities": "11.0", "Liabilities": "2.39", "Stockholders Equity": "-0.410", "ECR before LimitedLiability": "-1.72", "Long-term Debt": "0.674", "Liabilities and Borrowings": "-34.3", "Deposits": "1.88", "Property, Plant and Equipment": "0.393", "Assets": "-2.58", "Assets and Securities": "-8.16", "Other Assets": "5.18", "Loans and Leases Receivable": "-1.58", "Goodwill": "1.07", "Labor Expense": "-2.26", "Expenses": "-4.68", "Net Income": "-2.09", "Other Net Income": "2.72", "Other Expenses": "-1.12", "IT and Equipment Expense": "-0.434", "Comprehensive Net Income": "-1.75", "Economic Capital Ratio": "-1.81"}, "2019": {"Long-term Debt": "0.571", "Liabilities": "2.10", "ECR before LimitedLiability": "-4.17", "Deposits": "0.757", "Other Liabilities": "11.0", "Liabilities and Borrowings": "-33.4", "Loans and Leases Receivable": "-2.33", "Assets": "-1.90", "Other Assets": "5.84", "Goodwill": "1.23", "Property, Plant and Equipment": "0.569", "Cash Deposits and Cash Equivalents": "-1.92", "Assets and Securities": "-6.02", "Expenses": "-5.04", "Net Income": "-4.04", "Occupancy": "-0.460", "Labor Expense": "-2.81", "IT and Equipment Expense": "-0.679", "Comprehensive Net Income": "-4.49", "Other Net Income": "1.28", "Economic Capital Ratio": "-4.20"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001227500_strength_weakness.svg", "table_records": {"2016": {"input_variables": {"Assets and Securities": "15,445", "Cash Deposits and Cash Equivalents": "38,845", "Deposits": "1,630,451", "Fees": "0", "Goodwill": "58,874", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,443,420", "Loans and Leases Receivable": "1,382,003", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "646,510", "Other Compr. Net Income": "-331", "Other Expenses": "4,495", "Other Liabilities": "-1,139,643", "Other Net Income": "13,869", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "50,515"}, "output_variables": {"Liabilities": "1,934,228", "Assets": "2,192,192", "Expenses": "4,495", "Revenues": "0", "Stockholders Equity": "257,964", "Net Income": "9,374", "Comprehensive Net Income": "9,043", "BaseVar": "2,097,141", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2017": {"input_variables": {"Assets and Securities": "13,830", "Cash Deposits and Cash Equivalents": "55,691", "Deposits": "2,382,013", "Fees": "0", "Goodwill": "104,907", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,052,975", "Loans and Leases Receivable": "2,111,125", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "821,507", "Other Compr. Net Income": "145", "Other Expenses": "10,377", "Other Liabilities": "-1,638,623", "Other Net Income": "31,026", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "63,449"}, "output_variables": {"Liabilities": "2,796,365", "Assets": "3,170,509", "Expenses": "10,377", "Revenues": "0", "Stockholders Equity": "374,144", "Net Income": "20,649", "Comprehensive Net Income": "20,794", "BaseVar": "3,058,847", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2018": {"input_variables": {"Assets and Securities": "19,808", "Cash Deposits and Cash Equivalents": "197,809", "Deposits": "3,123,447", "Fees": "4,938", "Goodwill": "131,712", "IT and Equipment Expense": "8,094", "Labor Expense": "48,018", "Liabilities and Borrowings": "2,669,684", "Loans and Leases Receivable": "2,566,926", "Long-term Debt": "0", "Occupancy": "8,126", "Other Assets": "1,065,019", "Other Compr. Net Income": "-1,786", "Other Expenses": "28,504", "Other Liabilities": "-2,187,356", "Other Net Income": "120,828", "Other Noninterest Expense": "7,057", "Other Revenues": "5,008", "Property, Plant and Equipment": "80,442"}, "output_variables": {"Liabilities": "3,605,775", "Assets": "4,061,716", "Expenses": "104,737", "Revenues": "5,008", "Stockholders Equity": "455,941", "Net Income": "21,099", "Comprehensive Net Income": "19,313", "BaseVar": "4,255,477", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2019": {"input_variables": {"Assets and Securities": "167,289", "Cash Deposits and Cash Equivalents": "91,789", "Deposits": "3,063,516", "Fees": "6,230", "Goodwill": "136,432", "IT and Equipment Expense": "10,803", "Labor Expense": "52,506", "Liabilities and Borrowings": "2,617,926", "Loans and Leases Receivable": "2,550,353", "Long-term Debt": "0", "Occupancy": "8,714", "Other Assets": "919,237", "Other Compr. Net Income": "-1,786", "Other Expenses": "21,138", "Other Liabilities": "-2,209,924", "Other Net Income": "106,543", "Other Noninterest Expense": "9,562", "Other Revenues": "5,685", "Property, Plant and Equipment": "84,478"}, "output_variables": {"Liabilities": "3,471,518", "Assets": "3,949,578", "Expenses": "108,952", "Revenues": "5,685", "Stockholders Equity": "478,060", "Net Income": "3,276", "Comprehensive Net Income": "1,490", "BaseVar": "4,115,230", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}}, "top_rated": false, "trend": -38.0, "value": 0.11055104359064255, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001227500.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001227500.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001227500.svg"}, {"company_id": "0000717806", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000717806.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0000717806.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000717806.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000717806_256x256.png", "name": "First US Bancshares INC", "rank": 127, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0000717806.svg", "report_text": "The relative strengths and weaknesses of First US 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 US Bancshares INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 11% points.The greatest weakness of First US Bancshares INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 39% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 11%, being 4.2% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000717806_2020_First_US_Bancshares_INC.pdf", "shrinked_graph_json": {"2015": {"Loans and Leases Receivable": "-10.6", "Assets": "2.46", "Deposits": "-11.5", "Stockholders Equity": "2.47", "Economic Capital Ratio": "0.0544", "Assets and Securities": "11.8", "Property, Plant and Equipment": "0.498", "Cash Deposits and Cash Equivalents": "2.77", "Goodwill": "-0.828", "Other Assets": "-11.0", "Expenses": "1.27", "Revenues": "-0.317", "Net Income": "-1.66", "Other Expenses": "0.783", "Labor Expense": "0.274", "Other Revenues": "-0.317", "Other Liabilities": "11.8", "Liabilities and Borrowings": "-50.5", "Long-term Debt": "1.13", "Comprehensive Net Income": "-2.24", "Other Net Income": "-2.64", "Other Compr. Net Income": "-0.575"}, "2016": {"Liabilities and Borrowings": "-46.2", "Liabilities": "-1.63", "Stockholders Equity": "1.77", "ECR before LimitedLiability": "-1.71", "Deposits": "-9.53", "Other Liabilities": "10.0", "Long-term Debt": "0.766", "Assets and Securities": "10.0", "Assets": "2.92", "Property, Plant and Equipment": "1.14", "Other Assets": "-9.96", "Goodwill": "-0.959", "Loans and Leases Receivable": "-5.12", "Other Expenses": "1.36", "Expenses": "1.96", "Net Income": "-2.70", "Other Revenues": "-0.471", "Revenues": "-0.471", "Other Compr. Net Income": "-0.533", "Comprehensive Net Income": "-3.26", "Other Net Income": "-4.40", "Economic Capital Ratio": "-1.76"}, "2017": {"Other Liabilities": "10.2", "Liabilities": "-1.49", "Stockholders Equity": "1.17", "ECR before LimitedLiability": "-2.19", "Liabilities and Borrowings": "-46.2", "Long-term Debt": "0.703", "Deposits": "-8.25", "Loans and Leases Receivable": "-5.15", "Assets": "2.29", "Assets and Securities": "9.66", "Other Assets": "-7.88", "Property, Plant and Equipment": "1.95", "Goodwill": "-1.11", "Expenses": "0.855", "Revenues": "-0.515", "Net Income": "-3.46", "Labor Expense": "0.503", "Other Revenues": "-0.515", "Comprehensive Net Income": "-3.09", "Other Net Income": "-3.84", "Economic Capital Ratio": "-2.24"}, "2018": {"Other Liabilities": "8.83", "Liabilities": "-4.72", "ECR before LimitedLiability": "-3.93", "Liabilities and Borrowings": "-51.1", "Deposits": "-14.9", "Property, Plant and Equipment": "1.40", "Assets": "2.92", "Assets and Securities": "3.93", "Other Assets": "-6.59", "Loans and Leases Receivable": "2.98", "Goodwill": "-1.12", "Cash Deposits and Cash Equivalents": "1.28", "Labor Expense": "1.68", "Expenses": "3.26", "Net Income": "-2.39", "Other Expenses": "0.840", "Other Revenues": "-0.692", "Revenues": "-0.692", "Comprehensive Net Income": "-2.64", "Other Net Income": "-5.88", "Economic Capital Ratio": "-4.02"}, "2019": {"Liabilities": "5.35", "Stockholders Equity": "-1.76", "ECR before LimitedLiability": "-4.20", "Deposits": "-2.21", "Other Liabilities": "11.0", "Liabilities and Borrowings": "-39.4", "Loans and Leases Receivable": "-2.56", "Assets": "-7.12", "Other Assets": "-6.07", "Goodwill": "-1.38", "Property, Plant and Equipment": "1.61", "Cash Deposits and Cash Equivalents": "1.40", "Other Noninterest Expense": "-2.61", "Expenses": "-11.3", "Revenues": "-0.925", "Net Income": "-3.84", "Occupancy": "-1.62", "Labor Expense": "-7.46", "Other Revenues": "-0.925", "Comprehensive Net Income": "-3.71", "Other Net Income": "6.60", "Economic Capital Ratio": "-4.23"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0000717806_strength_weakness.svg", "table_records": {"2015": {"input_variables": {"Assets and Securities": "208,647", "Cash Deposits and Cash Equivalents": "44,072", "Deposits": "479,258", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "417,024", "Loans and Leases Receivable": "255,432", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "55,547", "Other Compr. Net Income": "-1,293", "Other Expenses": "951", "Other Liabilities": "-396,816", "Other Net Income": "3,546", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "12,084"}, "output_variables": {"Liabilities": "499,466", "Assets": "575,782", "Expenses": "951", "Revenues": "0", "Stockholders Equity": "76,316", "Net Income": "2,595", "Comprehensive Net Income": "1,302", "BaseVar": "548,133", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2016": {"input_variables": {"Assets and Securities": "193,317", "Cash Deposits and Cash Equivalents": "23,530", "Deposits": "497,556", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "429,296", "Loans and Leases Receivable": "322,772", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "48,933", "Other Compr. Net Income": "-1,813", "Other Expenses": "169", "Other Liabilities": "-396,201", "Other Net Income": "1,393", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "18,340"}, "output_variables": {"Liabilities": "530,651", "Assets": "606,892", "Expenses": "169", "Revenues": "0", "Stockholders Equity": "76,241", "Net Income": "1,224", "Comprehensive Net Income": "-589", "BaseVar": "574,897", "ECR before LimitedLiability": "9.9%", "Economic Capital Ratio": "10%"}}, "2017": {"input_variables": {"Assets and Securities": "162,243", "Cash Deposits and Cash Equivalents": "27,124", "Deposits": "517,079", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "441,567", "Loans and Leases Receivable": "346,121", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "63,660", "Other Compr. Net Income": "545", "Other Expenses": "3,035", "Other Liabilities": "-409,273", "Other Net Income": "2,624", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "26,433"}, "output_variables": {"Liabilities": "549,373", "Assets": "625,581", "Expenses": "3,035", "Revenues": "0", "Stockholders Equity": "76,208", "Net Income": "-411", "Comprehensive Net Income": "134", "BaseVar": "598,737", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "10%"}}, "2018": {"input_variables": {"Assets and Securities": "140,441", "Cash Deposits and Cash Equivalents": "49,599", "Deposits": "704,725", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "602,501", "Loans and Leases Receivable": "514,867", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "59,389", "Other Compr. Net Income": "-484", "Other Expenses": "2,671", "Other Liabilities": "-594,724", "Other Net Income": "3,128", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "27,643"}, "output_variables": {"Liabilities": "712,502", "Assets": "791,939", "Expenses": "2,671", "Revenues": "0", "Stockholders Equity": "79,437", "Net Income": "457", "Comprehensive Net Income": "-27", "BaseVar": "763,624", "ECR before LimitedLiability": "8.1%", "Economic Capital Ratio": "8.4%"}}, "2019": {"input_variables": {"Assets and Securities": "103,755", "Cash Deposits and Cash Equivalents": "57,030", "Deposits": "683,662", "Fees": "1,176", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "20,352", "Liabilities and Borrowings": "580,699", "Loans and Leases Receivable": "545,243", "Long-term Debt": "0", "Occupancy": "4,230", "Other Assets": "53,494", "Other Compr. Net Income": "-1,502", "Other Expenses": "1,298", "Other Liabilities": "-560,371", "Other Net Income": "147,924", "Other Noninterest Expense": "6,499", "Other Revenues": "0", "Property, Plant and Equipment": "29,216"}, "output_variables": {"Liabilities": "703,990", "Assets": "788,738", "Expenses": "33,555", "Revenues": "0", "Stockholders Equity": "84,748", "Net Income": "114,369", "Comprehensive Net Income": "112,868", "BaseVar": "1,078,475", "ECR before LimitedLiability": "64%", "Economic Capital Ratio": "64%"}}}, "top_rated": false, "trend": -14.0, "value": 0.11029751332894652, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000717806.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000717806.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000717806.svg"}, {"company_id": "0001275101", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001275101.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 128, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 11% points.The greatest weakness of BANK OF THE James Financial Group INC 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 11%, being 4.3% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001275101_2020_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"}, "2013": {"Long-term Debt": "0.594", "Liabilities": "-1.70", "Stockholders Equity": "-2.20", "Liabilities and Borrowings": "6.39", "Other Liabilities": "-14.2", "Deposits": "-12.9", "Goodwill": "-0.622", "Assets": "-0.482", "Loans and Leases Receivable": "6.38", "Cash Deposits and Cash Equivalents": "-0.428", "Assets and Securities": "-3.70", "Other Assets": "-9.35", "Expenses": "0.636", "Net Income": "-0.522", "Other Expenses": "0.346", "Labor Expense": "0.191", "ECR before LimitedLiability": "-3.91", "Other Net Income": "-1.11", "Other Compr. Net Income": "-0.759", "Comprehensive Net Income": "-1.33", "Economic Capital Ratio": "-4.06"}, "2014": {"Deposits": "-10.7", "Liabilities": "-2.11", "Stockholders Equity": "-2.61", "ECR before LimitedLiability": "-2.38", "Other Liabilities": "-18.0", "Liabilities and Borrowings": "10.4", "Long-term Debt": "1.18", "Cash Deposits and Cash Equivalents": "-1.02", "Assets": "-0.592", "Other Assets": "-12.0", "Property, Plant and Equipment": "0.332", "Assets and Securities": "-4.25", "Goodwill": "-0.842", "Loans and Leases Receivable": "10.5", "Expenses": "0.876", "Net Income": "-0.636", "Other Expenses": "0.380", "Other Compr. Net Income": "0.964", "Comprehensive Net Income": "0.347", "Other Net Income": "-1.26", "Economic Capital Ratio": "-2.41"}, "2015": {"Deposits": "-14.5", "Liabilities": "-1.52", "Stockholders Equity": "-0.952", "ECR before LimitedLiability": "-1.74", "Long-term Debt": "1.06", "Other Liabilities": "-15.9", "Liabilities and Borrowings": "9.98", "Loans and Leases Receivable": "9.61", "Assets": "0.418", "Assets and Securities": "-3.91", "Property, Plant and Equipment": "0.301", "Cash Deposits and Cash Equivalents": "1.01", "Goodwill": "-0.813", "Other Assets": "-10.5", "Expenses": "0.712", "Net Income": "-0.750", "Other Revenues": "-0.306", "Revenues": "-0.306", "Comprehensive Net Income": "-0.611", "Other Net Income": "-1.18", "Economic Capital Ratio": "-1.78"}, "2016": {"Liabilities and Borrowings": "8.67", "Liabilities": "-2.31", "Stockholders Equity": "-1.38", "Deposits": "-15.6", "Other Liabilities": "-15.6", "Long-term Debt": "0.707", "Assets and Securities": "-4.58", "Assets": "0.653", "ECR before LimitedLiability": "-3.09", "Other Assets": "-7.55", "Goodwill": "-0.925", "Loans and Leases Receivable": "8.22", "Cash Deposits and Cash Equivalents": "0.496", "Other Expenses": "0.529", "Expenses": "1.11", "Revenues": "-0.447", "Net Income": "-1.31", "Other Revenues": "-0.447", "Comprehensive Net Income": "-1.37", "Other Net Income": "-2.10", "Economic Capital Ratio": "-3.13"}, "2017": {"Other Liabilities": "-17.6", "Liabilities": "-2.76", "Stockholders Equity": "-1.97", "ECR before LimitedLiability": "-3.52", "Liabilities and Borrowings": "8.83", "Long-term Debt": "0.650", "Deposits": "-13.7", "Loans and Leases Receivable": "7.17", "Assets": "0.495", "Cash Deposits and Cash Equivalents": "1.17", "Assets and Securities": "-4.30", "Other Assets": "-5.69", "Goodwill": "-1.07", "Expenses": "1.13", "Revenues": "-0.488", "Net Income": "-1.41", "Labor Expense": "0.471", "Other Revenues": "-0.488", "Comprehensive Net Income": "-1.17", "Other Net Income": "-2.17", "Economic Capital Ratio": "-3.56"}, "2018": {"Other Liabilities": "-22.2", "Liabilities": "2.81", "Stockholders Equity": "-3.15", "ECR before LimitedLiability": "-3.49", "Long-term Debt": "0.636", "Liabilities and Borrowings": "9.27", "Deposits": "-6.75", "Assets": "-5.84", "Assets and Securities": "-8.61", "Other Assets": "-5.16", "Loans and Leases Receivable": "6.09", "Goodwill": "-1.29", "Cash Deposits and Cash Equivalents": "1.69", "Labor Expense": "-3.86", "Expenses": "-7.05", "Net Income": "-1.19", "Other Net Income": "4.21", "Other Expenses": "-1.93", "IT and Equipment Expense": "-0.521", "Comprehensive Net Income": "-1.09", "Economic Capital Ratio": "-3.58"}, "2019": {"Long-term Debt": "0.592", "Liabilities": "3.32", "Stockholders Equity": "-3.44", "ECR before LimitedLiability": "-4.27", "Deposits": "-5.60", "Other Liabilities": "-25.1", "Liabilities and Borrowings": "11.0", "Loans and Leases Receivable": "4.72", "Assets": "-6.19", "Other Assets": "-2.11", "Goodwill": "-1.35", "Property, Plant and Equipment": "0.615", "Assets and Securities": "-8.51", "Expenses": "-7.75", "Net Income": "-1.91", "Other Net Income": "4.64", "Other Expenses": "-1.84", "Labor Expense": "-4.46", "IT and Equipment Expense": "-0.774", "Comprehensive Net Income": "-1.71", "Economic Capital Ratio": "-4.29"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "1,076", "Cash Deposits and Cash Equivalents": "16,671", "Deposits": "387,398", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,168", "Loans and Leases Receivable": "339,994", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "68,362", "Other Compr. Net Income": "-2,989", "Other Expenses": "1,042", "Other Liabilities": "16,173", "Other Net Income": "4,102", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "8,408"}, "output_variables": {"Liabilities": "404,739", "Assets": "434,511", "Expenses": "1,042", "Revenues": "0", "Stockholders Equity": "29,772", "Net Income": "3,060", "Comprehensive Net Income": "71", "BaseVar": "434,386", "ECR before LimitedLiability": "5.5%", "Economic Capital Ratio": "6.4%"}}, "2014": {"input_variables": {"Assets and Securities": "715", "Cash Deposits and Cash Equivalents": "12,743", "Deposits": "399,497", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,345", "Loans and Leases Receivable": "394,573", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "43,572", "Other Compr. Net Income": "2,032", "Other Expenses": "1,288", "Other Liabilities": "25,247", "Other Net Income": "4,701", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "9,262"}, "output_variables": {"Liabilities": "426,089", "Assets": "460,865", "Expenses": "1,288", "Revenues": "0", "Stockholders Equity": "34,776", "Net Income": "3,413", "Comprehensive Net Income": "5,445", "BaseVar": "458,035", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "11%"}}, "2015": {"input_variables": {"Assets and Securities": "755", "Cash Deposits and Cash Equivalents": "28,655", "Deposits": "467,610", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,276", "Loans and Leases Receivable": "430,445", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "57,281", "Other Compr. Net Income": "1,170", "Other Expenses": "2,625", "Other Liabilities": "10,061", "Other Net Income": "6,035", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "10,007"}, "output_variables": {"Liabilities": "478,947", "Assets": "527,143", "Expenses": "2,625", "Revenues": "0", "Stockholders Equity": "48,196", "Net Income": "3,411", "Comprehensive Net Income": "4,581", "BaseVar": "520,887", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2016": {"input_variables": {"Assets and Securities": "922", "Cash Deposits and Cash Equivalents": "28,683", "Deposits": "523,112", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,574", "Loans and Leases Receivable": "464,353", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "69,290", "Other Compr. Net Income": "-633", "Other Expenses": "1,358", "Other Liabilities": "88", "Other Net Income": "4,348", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "10,947"}, "output_variables": {"Liabilities": "524,774", "Assets": "574,195", "Expenses": "1,358", "Revenues": "0", "Stockholders Equity": "49,421", "Net Income": "2,989", "Comprehensive Net Income": "2,356", "BaseVar": "560,991", "ECR before LimitedLiability": "8.5%", "Economic Capital Ratio": "8.7%"}}, "2017": {"input_variables": {"Assets and Securities": "925", "Cash Deposits and Cash Equivalents": "37,018", "Deposits": "567,493", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,072", "Loans and Leases Receivable": "491,022", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "85,321", "Other Compr. Net Income": "-290", "Other Expenses": "3,122", "Other Liabilities": "5,111", "Other Net Income": "5,770", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "12,055"}, "output_variables": {"Liabilities": "574,676", "Assets": "626,341", "Expenses": "3,122", "Revenues": "0", "Stockholders Equity": "51,665", "Net Income": "2,648", "Comprehensive Net Income": "2,358", "BaseVar": "617,174", "ECR before LimitedLiability": "8.0%", "Economic Capital Ratio": "8.3%"}}, "2018": {"input_variables": {"Assets and Securities": "1,183", "Cash Deposits and Cash Equivalents": "50,325", "Deposits": "612,043", "Fees": "398", "Goodwill": "0", "IT and Equipment Expense": "1,600", "Labor Expense": "11,279", "Liabilities and Borrowings": "2,584", "Loans and Leases Receivable": "530,016", "Long-term Debt": "0", "Occupancy": "1,522", "Other Assets": "79,947", "Other Compr. Net Income": "-219", "Other Expenses": "26,896", "Other Liabilities": "5,127", "Other Net Income": "124,776", "Other Noninterest Expense": "1,075", "Other Revenues": "2,212", "Property, Plant and Equipment": "13,426"}, "output_variables": {"Liabilities": "619,754", "Assets": "674,897", "Expenses": "42,770", "Revenues": "2,212", "Stockholders Equity": "55,143", "Net Income": "84,218", "Comprehensive Net Income": "83,999", "BaseVar": "955,835", "ECR before LimitedLiability": "54%", "Economic Capital Ratio": "54%"}}, "2019": {"input_variables": {"Assets and Securities": "8,173", "Cash Deposits and Cash Equivalents": "39,111", "Deposits": "649,459", "Fees": "279", "Goodwill": "0", "IT and Equipment Expense": "2,341", "Labor Expense": "13,439", "Liabilities and Borrowings": "9,193", "Loans and Leases Receivable": "573,274", "Long-term Debt": "0", "Occupancy": "1,668", "Other Assets": "88,138", "Other Compr. Net Income": "620", "Other Expenses": "7,690", "Other Liabilities": "5,297", "Other Net Income": "29,548", "Other Noninterest Expense": "1,342", "Other Revenues": "2,496", "Property, Plant and Equipment": "16,698"}, "output_variables": {"Liabilities": "663,949", "Assets": "725,394", "Expenses": "26,759", "Revenues": "2,496", "Stockholders Equity": "61,445", "Net Income": "5,285", "Comprehensive Net Income": "5,904", "BaseVar": "802,524", "ECR before LimitedLiability": "9.9%", "Economic Capital Ratio": "10%"}}}, "top_rated": false, "trend": -18.0, "value": 0.10963890059181797, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001275101.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001275101.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001275101.svg"}, {"company_id": "0001077428", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001077428.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001077428.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001077428.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001077428_256x256.png", "name": "Texas Capital Bancshares INC TX", "rank": 129, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001077428.svg", "report_text": "The relative strengths and weaknesses of Texas Capital Bancshares INC TX are 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 Texas Capital Bancshares INC TX compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Texas Capital Bancshares INC TX is the variable Other Liabilities, reducing the Economic Capital Ratio by 23% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 11%, being 4.3% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001077428_2020_Texas_Capital_Bancshares_INC_TX.pdf", "shrinked_graph_json": {"2013": {"Long-term Debt": "0.854", "Liabilities": "-2.19", "Stockholders Equity": "-0.592", "ECR before LimitedLiability": "0.943", "Liabilities and Borrowings": "9.94", "Other Liabilities": "-15.0", "Deposits": "-6.45", "Goodwill": "-0.796", "Assets": "1.28", "Loans and Leases Receivable": "11.2", "Cash Deposits and Cash Equivalents": "-2.31", "Assets and Securities": "-2.66", "Other Assets": "-18.5", "Property, Plant and Equipment": "-1.08", "Expenses": "1.49", "Net Income": "0.354", "Other Expenses": "1.09", "Other Net Income": "-1.02", "Other Compr. Net Income": "1.40", "Comprehensive Net Income": "1.73", "Economic Capital Ratio": "0.795"}, "2014": {"Deposits": "-4.73", "Liabilities": "-1.19", "Cash Deposits and Cash Equivalents": "2.92", "Stockholders Equity": "-1.15", "ECR before LimitedLiability": "-2.09", "Other Liabilities": "-15.1", "Liabilities and Borrowings": "9.42", "Long-term Debt": "1.20", "Other Revenues": "-0.284", "Revenues": "-0.284", "Net Income": "-0.189", "Other Assets": "-17.5", "Property, Plant and Equipment": "-1.03", "Assets and Securities": "-2.87", "Goodwill": "-0.847", "Loans and Leases Receivable": "10.9", "Comprehensive Net Income": "-0.814", "Other Expenses": "-0.349", "Labor Expense": "0.312", "Other Compr. Net Income": "-0.623", "Economic Capital Ratio": "-2.12"}, "2015": {"Deposits": "-5.29", "Liabilities": "-1.43", "Loans and Leases Receivable": "9.90", "Stockholders Equity": "-1.44", "ECR before LimitedLiability": "-1.83", "Long-term Debt": "1.06", "Other Liabilities": "-16.2", "Liabilities and Borrowings": "9.16", "Expenses": "0.348", "Net Income": "-0.532", "Labor Expense": "0.262", "Other Revenues": "-0.306", "Revenues": "-0.306", "Assets and Securities": "-2.57", "Property, Plant and Equipment": "-0.961", "Cash Deposits and Cash Equivalents": "3.32", "Goodwill": "-0.815", "Other Assets": "-16.7", "Comprehensive Net Income": "-0.268", "Other Net Income": "-0.579", "Economic Capital Ratio": "-1.87"}, "2016": {"Liabilities and Borrowings": "9.38", "Liabilities": "-1.82", "Stockholders Equity": "-0.967", "ECR before LimitedLiability": "-1.48", "Deposits": "-3.70", "Other Liabilities": "-18.0", "Long-term Debt": "0.788", "Assets and Securities": "-3.28", "Assets": "0.647", "Property, Plant and Equipment": "-0.978", "Other Assets": "-12.3", "Goodwill": "-0.981", "Loans and Leases Receivable": "9.02", "Cash Deposits and Cash Equivalents": "5.38", "Expenses": "0.786", "Net Income": "-0.874", "Other Revenues": "-0.484", "Revenues": "-0.484", "Other Net Income": "-1.20", "Economic Capital Ratio": "-1.52", "Other Compr. Net Income": "0.559"}, "2017": {"Other Liabilities": "-18.9", "Liabilities": "-1.91", "Loans and Leases Receivable": "9.84", "Stockholders Equity": "-1.70", "ECR before LimitedLiability": "-2.20", "Liabilities and Borrowings": "8.54", "Long-term Debt": "0.713", "Deposits": "-0.198", "Expenses": "0.827", "Net Income": "-0.340", "Labor Expense": "0.511", "Other Revenues": "-0.523", "Revenues": "-0.523", "Cash Deposits and Cash Equivalents": "4.58", "Assets and Securities": "-3.06", "Other Assets": "-14.3", "Property, Plant and Equipment": "-0.981", "Goodwill": "-1.13", "Comprehensive Net Income": "-0.305", "Other Net Income": "-0.668", "Economic Capital Ratio": "-2.25"}, "2018": {"Other Liabilities": "-21.0", "Liabilities": "-4.24", "Stockholders Equity": "-1.74", "ECR before LimitedLiability": "-1.54", "Long-term Debt": "0.631", "Liabilities and Borrowings": "8.97", "Deposits": "1.30", "Property, Plant and Equipment": "-0.921", "Assets": "1.88", "Assets and Securities": "-6.13", "Other Assets": "-11.5", "Loans and Leases Receivable": "11.1", "Goodwill": "-1.20", "Cash Deposits and Cash Equivalents": "4.29", "Labor Expense": "1.96", "Expenses": "3.38", "Revenues": "-0.763", "Comprehensive Net Income": "0.661", "Other Revenues": "-0.763", "Other Net Income": "-2.71", "Economic Capital Ratio": "-1.63"}, "2019": {"Liabilities": "-5.17", "Assets": "2.22", "Stockholders Equity": "-2.13", "ECR before LimitedLiability": "-4.30", "Deposits": "-6.47", "Other Liabilities": "-22.7", "Liabilities and Borrowings": "10.5", "Loans and Leases Receivable": "9.89", "Comprehensive Net Income": "-1.32", "Other Assets": "-9.10", "Goodwill": "-1.20", "Property, Plant and Equipment": "-0.859", "Cash Deposits and Cash Equivalents": "5.60", "Assets and Securities": "-6.27", "Expenses": "3.54", "Revenues": "-0.803", "Labor Expense": "1.93", "Other Revenues": "-0.803", "Other Compr. Net Income": "-0.746", "Other Net Income": "-3.70", "Economic Capital Ratio": "-4.33"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001077428_strength_weakness.svg", "table_records": {"2013": {"input_variables": {"Assets and Securities": "281,534", "Cash Deposits and Cash Equivalents": "153,821", "Deposits": "9,257,379", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "965,203", "Loans and Leases Receivable": "11,182,970", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "84,884", "Other Compr. 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Net Income": "-339", "Other Expenses": "76,010", "Other Liabilities": "404,153", "Other Net Income": "212,362", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "17,368"}, "output_variables": {"Liabilities": "14,415,756", "Assets": "15,899,946", "Expenses": "76,010", "Revenues": "0", "Stockholders Equity": "1,484,190", "Net Income": "136,352", "Comprehensive Net Income": "136,013", "BaseVar": "15,681,861", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2015": {"input_variables": {"Assets and Securities": "387,419", "Cash Deposits and Cash Equivalents": "1,735,870", "Deposits": "15,084,619", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,796,484", "Loans and Leases Receivable": "16,570,839", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "191,450", "Other Compr. Net Income": "-571", "Other Expenses": "79,641", "Other Liabilities": "404,503", "Other Net Income": "224,495", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "23,561"}, "output_variables": {"Liabilities": "17,285,606", "Assets": "18,909,139", "Expenses": "79,641", "Revenues": "0", "Stockholders Equity": "1,623,533", "Net Income": "144,854", "Comprehensive Net Income": "144,283", "BaseVar": "18,650,416", "ECR before LimitedLiability": "9.8%", "Economic Capital Ratio": "9.9%"}}, "2016": {"input_variables": {"Assets and Securities": "465,933", "Cash Deposits and Cash Equivalents": "2,814,352", "Deposits": "17,016,831", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,270,798", "Loans and Leases Receivable": "17,330,223", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,066,851", "Other Compr. Net Income": "-405", "Other Expenses": "87,334", "Other Liabilities": "399,948", "Other Net Income": "259,528", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "19,775"}, "output_variables": {"Liabilities": "19,687,577", "Assets": "21,697,134", "Expenses": "87,334", "Revenues": "0", "Stockholders Equity": "2,009,557", "Net Income": "172,194", "Comprehensive Net Income": "171,789", "BaseVar": "21,322,645", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "11%"}}, "2017": {"input_variables": {"Assets and Securities": "516,239", "Cash Deposits and Cash Equivalents": "2,875,591", "Deposits": "19,123,180", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,347,252", "Loans and Leases Receivable": "21,500,761", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "157,878", "Other Compr. 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Net Income": "8.5", "Other Expenses": "86,447", "Other Liabilities": "415,848", "Other Net Income": "457,805", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "23,802"}, "output_variables": {"Liabilities": "25,757,373", "Assets": "28,257,767", "Expenses": "86,447", "Revenues": "0", "Stockholders Equity": "2,500,394", "Net Income": "371,359", "Comprehensive Net Income": "371,367", "BaseVar": "27,995,402", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2019": {"input_variables": {"Assets and Securities": "979,922", "Cash Deposits and Cash Equivalents": "4,395,583", "Deposits": "26,478,593", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,828,923", "Loans and Leases Receivable": "27,028,349", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "113,003", "Other Compr. Net Income": "5,357", "Other Expenses": "83,775", "Other Liabilities": "408,295", "Other Net Income": "442,630", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "31,212"}, "output_variables": {"Liabilities": "29,715,811", "Assets": "32,548,069", "Expenses": "83,775", "Revenues": "0", "Stockholders Equity": "2,832,258", "Net Income": "358,855", "Comprehensive Net Income": "364,212", "BaseVar": "32,097,086", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}}, "top_rated": false, "trend": -44.0, "value": 0.10924393206155604, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001077428.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001077428.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001077428.svg"}, {"company_id": "0001488813", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001488813.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 130, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 11% points.The greatest weakness of Customers Bancorp Inc is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 30% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 11%, being 4.3% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001488813_2020_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"}, "2015": {"Deposits": "2.33", "Liabilities": "-2.25", "Stockholders Equity": "-2.83", "Long-term Debt": "0.900", "Other Liabilities": "7.85", "Liabilities and Borrowings": "-33.5", "Loans and Leases Receivable": "1.41", "Assets": "-0.603", "Assets and Securities": "-3.22", "Property, Plant and Equipment": "-0.865", "Cash Deposits and Cash Equivalents": "-0.570", "Goodwill": "-0.710", "Other Assets": "2.69", "Expenses": "0.506", "Net Income": "-0.714", "Other Revenues": "-0.270", "Revenues": "-0.270", "ECR before LimitedLiability": "-3.84", "Comprehensive Net Income": "-0.767", "Other Net Income": "-0.982", "Economic Capital Ratio": "-3.88"}, "2019": {"Loans and Leases Receivable": "8.68", "Assets": "-2.63", "Stockholders Equity": "-2.43", "Deposits": "3.19", "ECR before LimitedLiability": "-4.31", "Other Assets": "-1.02", "Goodwill": "-1.29", "Property, Plant and Equipment": "-0.936", "Cash Deposits and Cash Equivalents": "-2.27", "Assets and Securities": "-7.14", "Expenses": "-3.26", "Revenues": "1.67", "Net Income": "-1.84", "Fees": "-0.643", "Labor Expense": "-1.29", "IT and Equipment Expense": "-1.11", "Other Revenues": "1.67", "Liabilities and Borrowings": "-30.1", "Other Liabilities": "10.7", "Comprehensive Net Income": "-2.06", "Economic Capital Ratio": "-4.34"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2015": {"input_variables": {"Assets and Securities": "73,341", "Cash Deposits and Cash Equivalents": "264,593", "Deposits": "5,909,501", "Fees": "0", "Goodwill": "3,651", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,344,072", "Loans and Leases Receivable": "5,417,832", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "2,630,365", "Other Compr. Net Income": "-7,862", "Other Expenses": "29,912", "Other Liabilities": "-3,406,162", "Other Net Income": "88,495", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "11,531"}, "output_variables": {"Liabilities": "7,847,411", "Assets": "8,401,313", "Expenses": "29,912", "Revenues": "0", "Stockholders Equity": "553,902", "Net Income": "58,583", "Comprehensive Net Income": "50,721", "BaseVar": "8,353,540", "ECR before LimitedLiability": "7.5%", "Economic Capital Ratio": "7.9%"}}, "2019": {"input_variables": {"Assets and Securities": "298,052", "Cash Deposits and Cash Equivalents": "212,505", "Deposits": "8,648,936", "Fees": "25,109", "Goodwill": "0", "IT and Equipment Expense": "43,481", "Labor Expense": "107,632", "Liabilities and Borrowings": "7,429,175", "Loans and Leases Receivable": "9,508,367", "Long-term Debt": "0", "Occupancy": "13,098", "Other Assets": "1,492,404", "Other Compr. Net Income": "21,413", "Other Expenses": "61,470", "Other Liabilities": "-5,610,189", "Other Net Income": "265,347", "Other Noninterest Expense": "11,380", "Other Revenues": "81,114", "Property, Plant and Equipment": "9,389"}, "output_variables": {"Liabilities": "10,467,922", "Assets": "11,520,717", "Expenses": "262,170", "Revenues": "81,114", "Stockholders Equity": "1,052,795", "Net Income": "84,291", "Comprehensive Net Income": "105,704", "BaseVar": "12,137,849", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}}, "top_rated": false, "trend": null, "value": 0.1091987977637889, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001488813.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001488813.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001488813.svg"}, {"company_id": "0000879635", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000879635.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 131, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 11% points.The greatest weakness of MID PENN 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 11%, being 4.4% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000879635_2020_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"}, "2013": {"Long-term Debt": "0.656", "Liabilities": "-2.17", "Stockholders Equity": "-1.94", "Goodwill": "-0.592", "Liabilities and Borrowings": "7.38", "Other Liabilities": "-17.5", "Deposits": "-10.4", "Expenses": "0.881", "Revenues": "-0.124", "Net Income": "-0.592", "Other Expenses": "0.573", "Labor Expense": "0.210", "Other Revenues": "-0.124", "ECR before LimitedLiability": "-2.92", "Loans and Leases Receivable": "7.24", "Cash Deposits and Cash Equivalents": "-1.45", "Assets and Securities": "-3.78", "Other Assets": "-6.80", "Comprehensive Net Income": "-0.709", "Other Net Income": "-1.47", "Economic Capital Ratio": "-3.06"}, "2014": {"Deposits": "-8.96", "Liabilities": "-2.38", "Cash Deposits and Cash Equivalents": "-1.49", "Stockholders Equity": "-2.33", "ECR before LimitedLiability": "-2.55", "Other Liabilities": "-19.7", "Liabilities and Borrowings": "10.3", "Long-term Debt": "1.17", "Expenses": "1.16", "Revenues": "-0.279", "Net Income": "-0.562", "Other Expenses": "0.671", "Labor Expense": "0.306", "Other Revenues": "-0.279", "Other Assets": "-4.30", "Assets and Securities": "-3.99", "Goodwill": "-0.739", "Loans and Leases Receivable": "8.28", "Other Net Income": "-1.49", "Economic Capital Ratio": "-2.58", "Other Compr. Net Income": "0.527"}, "2015": {"Deposits": "-8.77", "Liabilities": "-2.57", "Loans and Leases Receivable": "8.14", "Stockholders Equity": "-2.16", "ECR before LimitedLiability": "-2.76", "Long-term Debt": "0.987", "Other Liabilities": "-22.6", "Liabilities and Borrowings": "8.97", "Expenses": "1.10", "Net Income": "-0.721", "Other Expenses": "0.681", "Other Revenues": "-0.290", "Revenues": "-0.290", "Assets and Securities": "-3.62", "Cash Deposits and Cash Equivalents": "-1.45", "Goodwill": "-0.492", "Other Assets": "-6.35", "Comprehensive Net Income": "-0.346", "Other Net Income": "-1.63", "Other Compr. Net Income": "0.360", "Economic Capital Ratio": "-2.80"}, "2016": {"Liabilities and Borrowings": "7.16", "Liabilities": "-2.33", "Assets and Securities": "-4.12", "Stockholders Equity": "-2.61", "Deposits": "-13.3", "Other Liabilities": "-17.3", "Long-term Debt": "0.611", "Other Expenses": "0.596", "Expenses": "1.10", "Revenues": "-0.395", "Net Income": "-0.631", "Labor Expense": "0.338", "Other Revenues": "-0.395", "ECR before LimitedLiability": "-4.60", "Other Assets": "-5.16", "Goodwill": "-0.601", "Loans and Leases Receivable": "6.33", "Comprehensive Net Income": "-1.55", "Other Net Income": "-1.49", "Other Compr. Net Income": "-0.868", "Economic Capital Ratio": "-4.64"}, "2017": {"Other Liabilities": "-22.4", "Liabilities": "-3.22", "Loans and Leases Receivable": "6.16", "Stockholders Equity": "-3.33", "Liabilities and Borrowings": "8.11", "Long-term Debt": "0.612", "Deposits": "-9.43", "Expenses": "1.09", "Revenues": "-0.466", "Net Income": "-0.906", "Other Expenses": "0.424", "Labor Expense": "0.446", "Other Revenues": "-0.466", "ECR before LimitedLiability": "-4.23", "Cash Deposits and Cash Equivalents": "-1.40", "Assets and Securities": "-3.94", "Other Assets": "-2.29", "Goodwill": "-0.811", "Comprehensive Net Income": "-0.558", "Other Net Income": "-1.66", "Economic Capital Ratio": "-4.28"}, "2018": {"Other Liabilities": "-27.3", "Liabilities": "1.64", "Stockholders Equity": "-0.733", "ECR before LimitedLiability": "-2.83", "Long-term Debt": "0.639", "Liabilities and Borrowings": "9.92", "Deposits": "-3.58", "Assets": "-2.23", "Assets and Securities": "-8.05", "Other Assets": "-1.98", "Loans and Leases Receivable": "7.69", "Goodwill": "0.886", "Cash Deposits and Cash Equivalents": "-1.95", "Labor Expense": "-2.09", "Expenses": "-4.40", "Net Income": "-2.87", "Other Net Income": "1.73", "Other Noninterest Expense": "-0.775", "IT and Equipment Expense": "-0.610", "Comprehensive Net Income": "-2.42", "Economic Capital Ratio": "-2.92"}, "2019": {"Long-term Debt": "0.572", "Liabilities": "2.12", "Stockholders Equity": "-1.29", "ECR before LimitedLiability": "-4.38", "Deposits": "-5.26", "Other Liabilities": "-27.3", "Liabilities and Borrowings": "10.8", "Loans and Leases Receivable": "6.10", "Assets": "-3.13", "Other Assets": "-2.84", "Goodwill": "0.740", "Cash Deposits and Cash Equivalents": "0.876", "Assets and Securities": "-8.52", "Other Noninterest Expense": "-1.04", "Expenses": "-5.47", "Net Income": "-3.03", "Other Net Income": "2.75", "Labor Expense": "-3.25", "IT and Equipment Expense": "-0.888", "Comprehensive Net Income": "-3.50", "Economic Capital Ratio": "-4.40"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "3,276", "Cash Deposits and Cash Equivalents": "16,136", "Deposits": "608,130", "Fees": "0", "Goodwill": "1,016", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,708", "Loans and Leases Receivable": "540,145", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "140,083", "Other Compr. Net Income": "-3,165", "Other Expenses": "1,201", "Other Liabilities": "47,371", "Other Net Income": "6,140", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "12,469"}, "output_variables": {"Liabilities": "660,209", "Assets": "713,125", "Expenses": "1,201", "Revenues": "0", "Stockholders Equity": "52,916", "Net Income": "4,939", "Comprehensive Net Income": "1,774", "BaseVar": "705,735", "ECR before LimitedLiability": "6.9%", "Economic Capital Ratio": "7.4%"}}, "2014": {"input_variables": {"Assets and Securities": "3,633", "Cash Deposits and Cash Equivalents": "15,654", "Deposits": "637,922", "Fees": "0", "Goodwill": "1,016", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,717", "Loans and Leases Receivable": "564,817", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "158,312", "Other Compr. Net Income": "-3,159", "Other Expenses": "1,464", "Other Liabilities": "53,888", "Other Net Income": "7,242", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "12,225"}, "output_variables": {"Liabilities": "696,527", "Assets": "755,657", "Expenses": "1,464", "Revenues": "0", "Stockholders Equity": "59,130", "Net Income": "5,778", "Comprehensive Net Income": "2,619", "BaseVar": "747,627", "ECR before LimitedLiability": "7.6%", "Economic Capital Ratio": "8.0%"}}, "2015": {"input_variables": {"Assets and Securities": "4,157", "Cash Deposits and Cash Equivalents": "17,601", "Deposits": "777,043", "Fees": "0", "Goodwill": "3,918", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,822", "Loans and Leases Receivable": "733,023", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "159,032", "Other Compr. Net Income": "1,403", "Other Expenses": "1,651", "Other Liabilities": "79,791", "Other Net Income": "8,283", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "13,993"}, "output_variables": {"Liabilities": "861,656", "Assets": "931,724", "Expenses": "1,651", "Revenues": "0", "Stockholders Equity": "70,068", "Net Income": "6,632", "Comprehensive Net Income": "8,035", "BaseVar": "917,267", "ECR before LimitedLiability": "9.3%", "Economic Capital Ratio": "9.4%"}}, "2016": {"input_variables": {"Assets and Securities": "5,218", "Cash Deposits and Cash Equivalents": "45,973", "Deposits": "935,373", "Fees": "0", "Goodwill": "3,918", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,249", "Loans and Leases Receivable": "806,741", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "159,675", "Other Compr. Net Income": "-3,057", "Other Expenses": "2,355", "Other Liabilities": "21,510", "Other Net Income": "10,420", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "11,074"}, "output_variables": {"Liabilities": "962,132", "Assets": "1,032,599", "Expenses": "2,355", "Revenues": "0", "Stockholders Equity": "70,467", "Net Income": "8,064", "Comprehensive Net Income": "5,008", "BaseVar": "1,026,101", "ECR before LimitedLiability": "7.3%", "Economic Capital Ratio": "7.7%"}}, "2017": {"input_variables": {"Assets and Securities": "6,622", "Cash Deposits and Cash Equivalents": "23,514", "Deposits": "1,023,568", "Fees": "0", "Goodwill": "3,918", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "6,137", "Loans and Leases Receivable": "902,798", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "217,334", "Other Compr. Net Income": "-1,676", "Other Expenses": "10,322", "Other Liabilities": "64,946", "Other Net Income": "11,990", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "16,168"}, "output_variables": {"Liabilities": "1,094,651", "Assets": "1,170,354", "Expenses": "10,322", "Revenues": "0", "Stockholders Equity": "75,703", "Net Income": "1,668", "Comprehensive Net Income": "-8.4", "BaseVar": "1,176,043", "ECR before LimitedLiability": "5.1%", "Economic Capital Ratio": "6.1%"}}, "2018": {"input_variables": {"Assets and Securities": "12,165", "Cash Deposits and Cash Equivalents": "40,065", "Deposits": "1,726,026", "Fees": "1,889", "Goodwill": "62,840", "IT and Equipment Expense": "5,222", "Labor Expense": "23,862", "Liabilities and Borrowings": "8,278", "Loans and Leases Receivable": "1,615,670", "Long-term Debt": "0", "Occupancy": "4,019", "Other Assets": "321,938", "Other Compr. Net Income": "214", "Other Expenses": "37,608", "Other Liabilities": "120,468", "Other Net Income": "277,151", "Other Noninterest Expense": "7,290", "Other Revenues": "2,325", "Property, Plant and Equipment": "25,303"}, "output_variables": {"Liabilities": "1,854,772", "Assets": "2,077,981", "Expenses": "79,890", "Revenues": "2,325", "Stockholders Equity": "223,209", "Net Income": "199,586", "Comprehensive Net Income": "199,800", "BaseVar": "2,619,014", "ECR before LimitedLiability": "46%", "Economic Capital Ratio": "46%"}}, "2019": {"input_variables": {"Assets and Securities": "15,819", "Cash Deposits and Cash Equivalents": "139,030", "Deposits": "1,912,394", "Fees": "1,700", "Goodwill": "62,840", "IT and Equipment Expense": "8,008", "Labor Expense": "37,033", "Liabilities and Borrowings": "6,182", "Loans and Leases Receivable": "1,753,241", "Long-term Debt": "0", "Occupancy": "6,011", "Other Assets": "235,308", "Other Compr. Net Income": "1,503", "Other Expenses": "8,049", "Other Liabilities": "74,725", "Other Net Income": "80,579", "Other Noninterest Expense": "9,481", "Other Revenues": "1,920", "Property, Plant and Equipment": "24,937"}, "output_variables": {"Liabilities": "1,993,301", "Assets": "2,231,175", "Expenses": "70,283", "Revenues": "1,920", "Stockholders Equity": "237,874", "Net Income": "12,216", "Comprehensive Net Income": "13,719", "BaseVar": "2,392,266", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}}, "top_rated": false, "trend": -24.0, "value": 0.10852131215184536, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000879635.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000879635.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000879635.svg"}, {"company_id": "0001476034", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001476034.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001476034.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001476034.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001476034_256x256.png", "name": "Metropolitan Bank Holding Corp", "rank": 132, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001476034.svg", "report_text": "The relative strengths and weaknesses of Metropolitan Bank Holding 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 Metropolitan Bank Holding Corp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 10.0% points.The greatest weakness of Metropolitan Bank Holding Corp is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 17% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 11%, being 4.4% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001476034_2020_Metropolitan_Bank_Holding_Corp.pdf", "shrinked_graph_json": {"2017": {"Other Liabilities": "7.34", "Liabilities": "0.500", "Stockholders Equity": "2.21", "ECR before LimitedLiability": "1.49", "Liabilities and Borrowings": "-4.14", "Long-term Debt": "0.785", "Deposits": "-4.95", "Loans and Leases Receivable": "11.5", "Assets": "1.62", "Cash Deposits and Cash Equivalents": "7.66", "Assets and Securities": "-4.50", "Other Assets": "-11.7", "Property, Plant and Equipment": "-0.810", "Goodwill": "-0.741", "Other Revenues": "-0.551", "Revenues": "-0.551", "Net Income": "-0.619", "Labor Expense": "0.547", "Comprehensive Net Income": "-0.591", "Other Expenses": "-0.495", "Economic Capital Ratio": "1.44"}, "2018": {"Other Liabilities": "6.51", "Liabilities": "-1.87", "Stockholders Equity": "0.929", "ECR before LimitedLiability": "1.66", "Long-term Debt": "0.674", "Liabilities and Borrowings": "-8.31", "Deposits": "-1.81", "Property, Plant and Equipment": "-0.761", "Assets": "2.40", "Assets and Securities": "-6.86", "Other Assets": "-10.1", "Loans and Leases Receivable": "13.5", "Goodwill": "-0.888", "Cash Deposits and Cash Equivalents": "4.73", "Labor Expense": "2.09", "Expenses": "2.85", "Revenues": "-0.790", "Comprehensive Net Income": "1.08", "Other Revenues": "-0.790", "Other Net Income": "-1.45", "Economic Capital Ratio": "1.57"}, "2019": {"Liabilities": "-4.71", "Stockholders Equity": "-2.00", "ECR before LimitedLiability": "-4.40", "Deposits": "-7.89", "Other Liabilities": "9.96", "Liabilities and Borrowings": "-17.3", "Loans and Leases Receivable": "8.66", "Assets": "2.00", "Other Assets": "-8.13", "Goodwill": "-0.996", "Property, Plant and Equipment": "-0.671", "Cash Deposits and Cash Equivalents": "4.56", "Assets and Securities": "-3.53", "Expenses": "3.07", "Revenues": "-0.805", "Net Income": "-0.930", "Labor Expense": "1.93", "Other Revenues": "-0.805", "Comprehensive Net Income": "-1.61", "Other Net Income": "-3.50", "Economic Capital Ratio": "-4.43"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001476034_strength_weakness.svg", "table_records": {"2017": {"input_variables": {"Assets and Securities": "0", "Cash Deposits and Cash Equivalents": "261,231", "Deposits": "1,404,355", "Fees": "0", "Goodwill": "9,733", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "600,740", "Loans and Leases Receivable": "1,405,009", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "77,614", "Other Compr. Net Income": "-41", "Other Expenses": "11,209", "Other Liabilities": "-482,124", "Other Net Income": "23,578", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "6,268"}, "output_variables": {"Liabilities": "1,522,971", "Assets": "1,759,855", "Expenses": "11,209", "Revenues": "0", "Stockholders Equity": "236,884", "Net Income": "12,369", "Comprehensive Net Income": "12,328", "BaseVar": "1,704,626", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2018": {"input_variables": {"Assets and Securities": "32,549", "Cash Deposits and Cash Equivalents": "232,950", "Deposits": "1,660,554", "Fees": "0", "Goodwill": "9,733", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "869,678", "Loans and Leases Receivable": "1,846,274", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "54,261", "Other Compr. Net Income": "-267", "Other Expenses": "11,221", "Other Liabilities": "-612,105", "Other Net Income": "36,775", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "6,877"}, "output_variables": {"Liabilities": "1,918,127", "Assets": "2,182,644", "Expenses": "11,221", "Revenues": "0", "Stockholders Equity": "264,517", "Net Income": "25,554", "Comprehensive Net Income": "25,287", "BaseVar": "2,137,983", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}, "2019": {"input_variables": {"Assets and Securities": "234,942", "Cash Deposits and Cash Equivalents": "391,221", "Deposits": "2,790,774", "Fees": "0", "Goodwill": "9,733", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,710,991", "Loans and Leases Receivable": "2,646,677", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "62,899", "Other Compr. Net Income": "1,612", "Other Expenses": "13,927", "Other Liabilities": "-1,443,317", "Other Net Income": "44,061", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "12,100"}, "output_variables": {"Liabilities": "3,058,448", "Assets": "3,357,572", "Expenses": "13,927", "Revenues": "0", "Stockholders Equity": "299,124", "Net Income": "30,134", "Comprehensive Net Income": "31,746", "BaseVar": "3,316,184", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}}, "top_rated": false, "trend": -91.0, "value": 0.1083197196630772, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001476034.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001476034.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001476034.svg"}, {"company_id": "0000826154", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000826154.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 133, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 11% points.The greatest weakness of Orrstown Financial Services INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 35% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 11%, being 4.5% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000826154_2020_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"}, "2015": {"Deposits": "-6.98", "Liabilities": "-1.70", "ECR before LimitedLiability": "-1.10", "Long-term Debt": "-0.459", "Other Liabilities": "-22.4", "Liabilities and Borrowings": "10.6", "Loans and Leases Receivable": "-0.586", "Assets": "1.46", "Assets and Securities": "-2.42", "Property, Plant and Equipment": "0.291", "Cash Deposits and Cash Equivalents": "-1.26", "Goodwill": "-0.817", "Other Assets": "5.46", "Expenses": "1.36", "Net Income": "-1.06", "Other Expenses": "0.903", "Other Revenues": "-0.309", "Revenues": "-0.309", "Comprehensive Net Income": "-0.887", "Other Net Income": "-2.18", "Economic Capital Ratio": "-1.14"}, "2016": {"Liabilities and Borrowings": "9.04", "Liabilities": "-2.58", "Stockholders Equity": "-0.608", "ECR before LimitedLiability": "-2.71", "Deposits": "-7.32", "Other Liabilities": "-23.4", "Long-term Debt": "-0.570", "Assets and Securities": "-3.12", "Assets": "1.51", "Property, Plant and Equipment": "0.689", "Other Assets": "5.36", "Goodwill": "-0.934", "Cash Deposits and Cash Equivalents": "-1.42", "Other Expenses": "1.09", "Expenses": "1.66", "Revenues": "-0.453", "Net Income": "-1.67", "Other Revenues": "-0.453", "Comprehensive Net Income": "-1.71", "Other Net Income": "-3.11", "Economic Capital Ratio": "-2.75"}, "2017": {"Other Liabilities": "-24.9", "Liabilities": "-2.40", "Stockholders Equity": "-1.22", "ECR before LimitedLiability": "-1.88", "Liabilities and Borrowings": "10.4", "Long-term Debt": "-3.89", "Deposits": "-2.65", "Assets": "0.887", "Cash Deposits and Cash Equivalents": "-1.56", "Assets and Securities": "-3.26", "Other Assets": "5.31", "Property, Plant and Equipment": "0.551", "Goodwill": "-1.12", "Expenses": "1.62", "Revenues": "-0.523", "Net Income": "-1.29", "Other Expenses": "0.839", "Other Revenues": "-0.523", "Other Net Income": "-2.48", "Economic Capital Ratio": "-1.93", "Other Compr. Net Income": "0.897"}, "2018": {"Other Liabilities": "-25.5", "Liabilities": "-4.65", "Assets": "2.22", "Stockholders Equity": "-1.45", "Long-term Debt": "-2.89", "Liabilities and Borrowings": "8.82", "Deposits": "-5.78", "ECR before LimitedLiability": "-3.93", "Assets and Securities": "7.22", "Other Assets": "-9.49", "Loans and Leases Receivable": "1.83", "Goodwill": "-0.675", "Labor Expense": "1.69", "Expenses": "3.36", "Revenues": "-0.697", "Net Income": "-1.17", "Other Expenses": "0.941", "Other Revenues": "-0.697", "Comprehensive Net Income": "-1.80", "Other Net Income": "-4.74", "Economic Capital Ratio": "-4.02"}, "2019": {"Liabilities": "-5.54", "Stockholders Equity": "-1.49", "ECR before LimitedLiability": "-4.50", "Deposits": "-4.87", "Other Liabilities": "-35.2", "Liabilities and Borrowings": "10.7", "Loans and Leases Receivable": "3.53", "Assets": "3.00", "Other Assets": "-6.37", "Goodwill": "-0.583", "Cash Deposits and Cash Equivalents": "-1.61", "Assets and Securities": "6.72", "Expenses": "3.88", "Revenues": "-0.792", "Net Income": "-1.56", "Other Expenses": "1.17", "Labor Expense": "1.90", "Other Revenues": "-0.792", "Comprehensive Net Income": "-2.02", "Other Net Income": "-5.22", "Economic Capital Ratio": "-4.52"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2015": {"input_variables": {"Assets and Securities": "28,334", "Cash Deposits and Cash Equivalents": "28,340", "Deposits": "1,032,167", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "768,145", "Long-term Debt": "24,495", "Occupancy": "0", "Other Assets": "444,037", "Other Compr. Net Income": "-377", "Other Expenses": "1,634", "Other Liabilities": "103,093", "Other Net Income": "9,508", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "23,960"}, "output_variables": {"Liabilities": "1,159,755", "Assets": "1,292,816", "Expenses": "1,634", "Revenues": "0", "Stockholders Equity": "133,061", "Net Income": "7,874", "Comprehensive Net Income": "7,497", "BaseVar": "1,247,192", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2016": {"input_variables": {"Assets and Securities": "31,078", "Cash Deposits and Cash Equivalents": "30,273", "Deposits": "1,152,452", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "870,616", "Long-term Debt": "24,163", "Occupancy": "0", "Other Assets": "447,666", "Other Compr. Net Income": "-2,364", "Other Expenses": "1,266", "Other Liabilities": "103,030", "Other Net Income": "7,894", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "34,871"}, "output_variables": {"Liabilities": "1,279,645", "Assets": "1,414,504", "Expenses": "1,266", "Revenues": "0", "Stockholders Equity": "134,859", "Net Income": "6,628", "Comprehensive Net Income": "4,264", "BaseVar": "1,367,991", "ECR before LimitedLiability": "8.9%", "Economic Capital Ratio": "9.1%"}}, "2017": {"input_variables": {"Assets and Securities": "27,005", "Cash Deposits and Cash Equivalents": "29,807", "Deposits": "1,219,515", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "997,216", "Long-term Debt": "83,815", "Occupancy": "0", "Other Assets": "470,012", "Other Compr. Net Income": "-2,355", "Other Expenses": "4,374", "Other Liabilities": "110,754", "Other Net Income": "12,303", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "34,809"}, "output_variables": {"Liabilities": "1,414,084", "Assets": "1,558,849", "Expenses": "4,374", "Revenues": "0", "Stockholders Equity": "144,765", "Net Income": "7,929", "Comprehensive Net Income": "5,574", "BaseVar": "1,521,009", "ECR before LimitedLiability": "8.9%", "Economic Capital Ratio": "9.1%"}}, "2018": {"input_variables": {"Assets and Securities": "495,791", "Cash Deposits and Cash Equivalents": "88,815", "Deposits": "1,558,756", "Fees": "0", "Goodwill": "12,592", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,233,643", "Long-term Debt": "83,450", "Occupancy": "0", "Other Assets": "65,346", "Other Compr. Net Income": "3,776", "Other Expenses": "1,800", "Other Liabilities": "118,749", "Other Net Income": "14,397", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "38,201"}, "output_variables": {"Liabilities": "1,760,955", "Assets": "1,934,388", "Expenses": "1,800", "Revenues": "0", "Stockholders Equity": "173,433", "Net Income": "12,597", "Comprehensive Net Income": "16,373", "BaseVar": "1,883,921", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "11%"}}, "2019": {"input_variables": {"Assets and Securities": "537,307", "Cash Deposits and Cash Equivalents": "56,462", "Deposits": "1,875,522", "Fees": "0", "Goodwill": "19,925", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "0", "Loans and Leases Receivable": "1,629,675", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "102,381", "Other Compr. Net Income": "-5,804", "Other Expenses": "2,628", "Other Liabilities": "284,503", "Other Net Income": "19,530", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "37,524"}, "output_variables": {"Liabilities": "2,160,025", "Assets": "2,383,274", "Expenses": "2,628", "Revenues": "0", "Stockholders Equity": "223,249", "Net Income": "16,902", "Comprehensive Net Income": "11,098", "BaseVar": "2,322,400", "ECR before LimitedLiability": "9.3%", "Economic Capital Ratio": "9.5%"}}}, "top_rated": false, "trend": -19.0, "value": 0.10734187839893644, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000826154.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000826154.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000826154.svg"}, {"company_id": "0001290476", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001290476.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 134, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 10% points.The greatest weakness of Village Bank Trust Financial Corp is the variable Other Liabilities, reducing the Economic Capital Ratio by 32% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 10%, being 5.0% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001290476_2020_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"}, "2017": {"Other Liabilities": "-20.1", "Liabilities": "-2.03", "Stockholders Equity": "-1.47", "Liabilities and Borrowings": "5.41", "Long-term Debt": "0.485", "Deposits": "-8.09", "Loans and Leases Receivable": "4.82", "Assets": "0.398", "Assets and Securities": "-2.29", "Other Assets": "-4.12", "Property, Plant and Equipment": "0.657", "Goodwill": "-0.814", "Expenses": "-0.537", "Revenues": "-0.361", "Net Income": "-4.53", "Other Expenses": "-1.13", "Other Revenues": "-0.361", "ECR before LimitedLiability": "-6.95", "Comprehensive Net Income": "-4.60", "Other Net Income": "-3.30", "Economic Capital Ratio": "-7.00"}, "2018": {"Other Liabilities": "-25.9", "Liabilities": "-5.65", "Stockholders Equity": "-2.74", "Liabilities and Borrowings": "8.10", "Deposits": "-9.56", "Property, Plant and Equipment": "0.660", "Assets": "1.82", "ECR before LimitedLiability": "-4.65", "Assets and Securities": "-6.71", "Other Assets": "-3.30", "Loans and Leases Receivable": "7.82", "Goodwill": "-1.08", "Labor Expense": "1.58", "Expenses": "3.06", "Revenues": "-0.661", "Net Income": "-1.37", "Other Expenses": "0.739", "Other Revenues": "-0.661", "Comprehensive Net Income": "-1.14", "Other Net Income": "-4.71", "Economic Capital Ratio": "-4.74"}, "2019": {"Liabilities": "-5.64", "Stockholders Equity": "-2.72", "ECR before LimitedLiability": "-5.01", "Deposits": "-6.88", "Other Liabilities": "-31.5", "Liabilities and Borrowings": "10.2", "Loans and Leases Receivable": "8.23", "Assets": "2.04", "Other Assets": "-6.10", "Goodwill": "-1.19", "Cash Deposits and Cash Equivalents": "-0.688", "Assets and Securities": "-1.15", "Expenses": "3.50", "Revenues": "-0.788", "Net Income": "-1.16", "Other Expenses": "0.812", "Labor Expense": "1.87", "Other Revenues": "-0.788", "Comprehensive Net Income": "-1.39", "Other Net Income": "-4.45", "Economic Capital Ratio": "-5.04"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2017": {"input_variables": {"Assets and Securities": "9,989", "Cash Deposits and Cash Equivalents": "17,810", "Deposits": "411,624", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,275", "Loans and Leases Receivable": "366,169", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "70,024", "Other Compr. Net Income": "-138", "Other Expenses": "4,567", "Other Liabilities": "22,741", "Other Net Income": "1,471", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "12,982"}, "output_variables": {"Liabilities": "437,640", "Assets": "476,974", "Expenses": "4,567", "Revenues": "0", "Stockholders Equity": "39,334", "Net Income": "-3,096", "Comprehensive Net Income": "-3,234", "BaseVar": "468,516", "ECR before LimitedLiability": "4.1%", "Economic Capital Ratio": "5.4%"}}, "2018": {"input_variables": {"Assets and Securities": "7,551", "Cash Deposits and Cash Equivalents": "19,543", "Deposits": "439,047", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,138", "Loans and Leases Receivable": "412,092", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "63,225", "Other Compr. Net Income": "-297", "Other Expenses": "693", "Other Liabilities": "35,548", "Other Net Income": "3,730", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "12,455"}, "output_variables": {"Liabilities": "477,733", "Assets": "514,866", "Expenses": "693", "Revenues": "0", "Stockholders Equity": "37,133", "Net Income": "3,037", "Comprehensive Net Income": "2,740", "BaseVar": "504,866", "ECR before LimitedLiability": "7.8%", "Economic Capital Ratio": "8.1%"}}, "2019": {"input_variables": {"Assets and Securities": "55,431", "Cash Deposits and Cash Equivalents": "19,967", "Deposits": "443,208", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "5,294", "Loans and Leases Receivable": "426,873", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "26,006", "Other Compr. Net Income": "-294", "Other Expenses": "1,113", "Other Liabilities": "48,897", "Other Net Income": "6,138", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "12,036"}, "output_variables": {"Liabilities": "497,399", "Assets": "540,313", "Expenses": "1,113", "Revenues": "0", "Stockholders Equity": "42,914", "Net Income": "5,024", "Comprehensive Net Income": "4,731", "BaseVar": "532,550", "ECR before LimitedLiability": "9.7%", "Economic Capital Ratio": "9.8%"}}}, "top_rated": false, "trend": -15.0, "value": 0.10215832602954464, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001290476.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001290476.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001290476.svg"}, {"company_id": "0000798941", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000798941.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 135, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 9.2% points.The greatest weakness of First Citizens Bancshares INC DE is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 18% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 9.3%, being 6.0% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000798941_2020_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"}, "2013": {"Long-term Debt": "0.886", "Liabilities": "-0.757", "Stockholders Equity": "-0.363", "ECR before LimitedLiability": "1.70", "Liabilities and Borrowings": "-33.4", "Other Liabilities": "12.0", "Deposits": "-10.7", "Goodwill": "-0.459", "Assets": "0.309", "Loans and Leases Receivable": "3.12", "Cash Deposits and Cash Equivalents": "-1.49", "Assets and Securities": "-0.635", "Other Assets": "-2.12", "Property, Plant and Equipment": "1.85", "Net Income": "-0.356", "Other Compr. Net Income": "2.45", "Comprehensive Net Income": "2.12", "Other Net Income": "-0.291", "Other Expenses": "-0.333", "Labor Expense": "0.270", "Economic Capital Ratio": "1.55"}, "2014": {"Deposits": "-10.7", "Liabilities": "-2.40", "Stockholders Equity": "-1.26", "ECR before LimitedLiability": "-4.12", "Other Liabilities": "8.83", "Liabilities and Borrowings": "-33.4", "Long-term Debt": "1.05", "Cash Deposits and Cash Equivalents": "-1.44", "Assets": "0.827", "Other Assets": "-1.24", "Property, Plant and Equipment": "1.43", "Assets and Securities": "0.688", "Goodwill": "-0.467", "Loans and Leases Receivable": "1.64", "Expenses": "0.967", "Net Income": "-1.52", "Other Expenses": "0.530", "Other Compr. Net Income": "-0.881", "Comprehensive Net Income": "-2.45", "Other Net Income": "-2.33", "Economic Capital Ratio": "-4.15"}, "2015": {"Deposits": "-11.1", "Liabilities": "-1.36", "Stockholders Equity": "-0.980", "ECR before LimitedLiability": "-1.86", "Long-term Debt": "1.06", "Other Liabilities": "9.88", "Liabilities and Borrowings": "-27.1", "Loans and Leases Receivable": "1.75", "Assets": "0.262", "Assets and Securities": "1.54", "Property, Plant and Equipment": "1.46", "Cash Deposits and Cash Equivalents": "-1.64", "Goodwill": "-0.496", "Other Assets": "-2.57", "Expenses": "0.455", "Net Income": "-0.870", "Other Revenues": "-0.305", "Revenues": "-0.305", "Comprehensive Net Income": "-0.725", "Other Net Income": "-1.03", "Economic Capital Ratio": "-1.90"}, "2016": {"Liabilities and Borrowings": "-24.3", "Liabilities": "-1.61", "Stockholders Equity": "-1.06", "ECR before LimitedLiability": "-2.45", "Deposits": "-9.79", "Other Liabilities": "9.31", "Long-term Debt": "0.748", "Assets": "0.392", "Property, Plant and Equipment": "1.31", "Other Assets": "-0.756", "Goodwill": "-0.637", "Loans and Leases Receivable": "1.86", "Cash Deposits and Cash Equivalents": "-1.84", "Expenses": "0.808", "Revenues": "-0.467", "Net Income": "-0.968", "Labor Expense": "0.405", "Other Revenues": "-0.467", "Comprehensive Net Income": "-1.17", "Other Net Income": "-1.35", "Economic Capital Ratio": "-2.49"}, "2017": {"Other Liabilities": "11.5", "Liabilities": "-0.938", "Loans and Leases Receivable": "2.24", "Stockholders Equity": "-1.08", "ECR before LimitedLiability": "-0.787", "Liabilities and Borrowings": "-22.3", "Long-term Debt": "0.757", "Deposits": "-7.67", "Expenses": "0.424", "Revenues": "-0.544", "Comprehensive Net Income": "0.374", "Other Expenses": "-0.430", "Labor Expense": "0.536", "Other Revenues": "-0.544", "Cash Deposits and Cash Equivalents": "-2.30", "Assets and Securities": "-0.252", "Other Assets": "-0.389", "Property, Plant and Equipment": "1.32", "Goodwill": "-0.839", "Other Net Income": "0.315", "Economic Capital Ratio": "-0.835"}, "2018": {"Other Liabilities": "8.16", "Liabilities": "2.60", "Stockholders Equity": "-1.59", "ECR before LimitedLiability": "-4.59", "Liabilities and Borrowings": "-18.3", "Deposits": "-4.18", "Property, Plant and Equipment": "1.18", "Assets": "-4.50", "Assets and Securities": "2.35", "Other Assets": "-8.18", "Loans and Leases Receivable": "2.54", "Goodwill": "-0.757", "Cash Deposits and Cash Equivalents": "-2.64", "Labor Expense": "-3.11", "Expenses": "-7.10", "Net Income": "-3.39", "Other Net Income": "3.26", "Other Noninterest Expense": "-0.907", "Other Expenses": "-1.20", "Comprehensive Net Income": "-3.53", "Economic Capital Ratio": "-4.68"}, "2019": {"Liabilities": "1.76", "Stockholders Equity": "-2.66", "ECR before LimitedLiability": "-5.93", "Deposits": "-4.61", "Other Liabilities": "9.24", "Liabilities and Borrowings": "-18.5", "Loans and Leases Receivable": "1.44", "Assets": "-4.20", "Other Assets": "-9.59", "Property, Plant and Equipment": "1.15", "Cash Deposits and Cash Equivalents": "-2.93", "Assets and Securities": "5.38", "Expenses": "-6.20", "Revenues": "-0.837", "Net Income": "-3.77", "Other Expenses": "-1.06", "Labor Expense": "-2.84", "Other Revenues": "-0.837", "Comprehensive Net Income": "-3.69", "Other Net Income": "2.72", "Economic Capital Ratio": "-5.96"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "1,123,121", "Cash Deposits and Cash Equivalents": "533,599", "Deposits": "17,874,066", "Fees": "0", "Goodwill": "102,625", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "12,749,034", "Loans and Leases Receivable": "12,900,330", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "5,662,894", "Other Compr. Net Income": "56,838", "Other Expenses": "96,965", "Other Liabilities": "-11,500,684", "Other Net Income": "264,664", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "876,522"}, "output_variables": {"Liabilities": "19,122,416", "Assets": "21,199,091", "Expenses": "96,965", "Revenues": "0", "Stockholders Equity": "2,076,675", "Net Income": "167,699", "Comprehensive Net Income": "224,537", "BaseVar": "20,920,271", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "12%"}}, "2014": {"input_variables": {"Assets and Securities": "2,118,946", "Cash Deposits and Cash Equivalents": "604,182", "Deposits": "25,678,577", "Fees": "0", "Goodwill": "139,773", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "17,845,696", "Loans and Leases Receivable": "18,628,695", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "7,458,436", "Other Compr. Net Income": "30,757", "Other Expenses": "76,800", "Other Liabilities": "-16,136,754", "Other Net Income": "221,984", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "1,125,081"}, "output_variables": {"Liabilities": "27,387,519", "Assets": "30,075,113", "Expenses": "76,800", "Revenues": "0", "Stockholders Equity": "2,687,594", "Net Income": "145,184", "Comprehensive Net Income": "175,941", "BaseVar": "29,329,432", "ECR before LimitedLiability": "9.4%", "Economic Capital Ratio": "9.6%"}}, "2015": {"input_variables": {"Assets and Securities": "2,480,523", "Cash Deposits and Cash Equivalents": "534,086", "Deposits": "26,930,755", "Fees": "0", "Goodwill": "139,773", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "17,904,014", "Loans and Leases Receivable": "20,093,540", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "7,092,183", "Other Compr. Net Income": "-17,134", "Other Expenses": "98,582", "Other Liabilities": "-16,230,944", "Other Net Income": "289,864", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "1,135,829"}, "output_variables": {"Liabilities": "28,603,825", "Assets": "31,475,934", "Expenses": "98,582", "Revenues": "0", "Stockholders Equity": "2,872,109", "Net Income": "191,281", "Comprehensive Net Income": "174,147", "BaseVar": "30,776,008", "ECR before LimitedLiability": "9.5%", "Economic Capital Ratio": "9.6%"}}, "2016": {"input_variables": {"Assets and Securities": "2,344,006", "Cash Deposits and Cash Equivalents": "539,741", "Deposits": "28,161,343", "Fees": "0", "Goodwill": "150,601", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "18,314,423", "Loans and Leases Receivable": "21,593,484", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "7,229,960", "Other Compr. Net Income": "-47,937", "Other Expenses": "124,340", "Other Liabilities": "-16,497,357", "Other Net Income": "345,688", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "1,133,044"}, "output_variables": {"Liabilities": "29,978,409", "Assets": "32,990,836", "Expenses": "124,340", "Revenues": "0", "Stockholders Equity": "3,012,427", "Net Income": "221,348", "Comprehensive Net Income": "173,411", "BaseVar": "32,424,729", "ECR before LimitedLiability": "9.4%", "Economic Capital Ratio": "9.5%"}}, "2017": {"input_variables": {"Assets and Securities": "2,074,298", "Cash Deposits and Cash Equivalents": "336,150", "Deposits": "29,266,275", "Fees": "0", "Goodwill": "150,601", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "18,290,684", "Loans and Leases Receivable": "23,426,111", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "7,401,921", "Other Compr. Net Income": "-30,651", "Other Expenses": "187,747", "Other Liabilities": "-16,363,511", "Other Net Income": "491,102", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "1,138,431"}, "output_variables": {"Liabilities": "31,193,448", "Assets": "34,527,512", "Expenses": "187,747", "Revenues": "0", "Stockholders Equity": "3,334,064", "Net Income": "303,355", "Comprehensive Net Income": "272,704", "BaseVar": "34,148,224", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2018": {"input_variables": {"Assets and Securities": "5,788,111", "Cash Deposits and Cash Equivalents": "327,440", "Deposits": "30,672,460", "Fees": "18,890", "Goodwill": "236,347", "IT and Equipment Expense": "102,909", "Labor Expense": "527,691", "Liabilities and Borrowings": "19,039,233", "Loans and Leases Receivable": "25,345,069", "Long-term Debt": "0", "Occupancy": "109,169", "Other Assets": "2,507,483", "Other Compr. Net Income": "-19,289", "Other Expenses": "265,994", "Other Liabilities": "-17,792,018", "Other Net Income": "1,801,226", "Other Noninterest Expense": "147,063", "Other Revenues": "7,980", "Property, Plant and Equipment": "1,204,179"}, "output_variables": {"Liabilities": "31,919,675", "Assets": "35,408,629", "Expenses": "1,171,716", "Revenues": "7,980", "Stockholders Equity": "3,488,954", "Net Income": "637,490", "Comprehensive Net Income": "618,202", "BaseVar": "39,109,533", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2019": {"input_variables": {"Assets and Securities": "8,778,409", "Cash Deposits and Cash Equivalents": "376,719", "Deposits": "34,431,236", "Fees": "13,199", "Goodwill": "349,398", "IT and Equipment Expense": "113,231", "Labor Expense": "552,200", "Liabilities and Borrowings": "22,020,568", "Loans and Leases Receivable": "28,724,224", "Long-term Debt": "0", "Occupancy": "111,217", "Other Assets": "351,350", "Other Compr. Net Income": "-62,184", "Other Expenses": "310,123", "Other Liabilities": "-20,213,492", "Other Net Income": "1,358,707", "Other Noninterest Expense": "139,674", "Other Revenues": "7,832", "Property, Plant and Equipment": "1,244,396"}, "output_variables": {"Liabilities": "36,238,312", "Assets": "39,824,496", "Expenses": "1,239,643", "Revenues": "7,832", "Stockholders Equity": "3,586,184", "Net Income": "126,896", "Comprehensive Net Income": "64,711", "BaseVar": "42,874,490", "ECR before LimitedLiability": "7.9%", "Economic Capital Ratio": "8.2%"}}}, "top_rated": false, "trend": -18.0, "value": 0.09299416928344525, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000798941.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000798941.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000798941.svg"}, {"company_id": "0000923139", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000923139.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 136, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 9.2% points.The greatest weakness of Flushing Financial CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 237% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 9.2%, being 6.1% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000923139_2020_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"}, "2013": {"Long-term Debt": "0.763", "Liabilities": "-0.563", "Stockholders Equity": "-0.856", "ECR before LimitedLiability": "-1.53", "Liabilities and Borrowings": "8.74", "Other Liabilities": "-189", "Deposits": "8.77", "Goodwill": "-0.527", "Assets": "-0.297", "Loans and Leases Receivable": "7.38", "Cash Deposits and Cash Equivalents": "-2.71", "Assets and Securities": "-3.50", "Other Assets": "-3.26", "Property, Plant and Equipment": "-0.806", "Net Income": "-0.317", "Other Compr. Net Income": "-0.300", "Comprehensive Net Income": "-0.623", "Other Net Income": "-0.174", "Other Expenses": "-0.386", "Labor Expense": "0.241", "Economic Capital Ratio": "-1.68"}, "2014": {"Deposits": "11.2", "Liabilities": "-0.866", "Stockholders Equity": "-1.50", "ECR before LimitedLiability": "-1.71", "Other Liabilities": "-195", "Liabilities and Borrowings": "11.0", "Long-term Debt": "1.23", "Cash Deposits and Cash Equivalents": "-2.54", "Assets": "-0.638", "Other Assets": "-3.27", "Property, Plant and Equipment": "-0.805", "Assets and Securities": "-3.43", "Goodwill": "-0.625", "Loans and Leases Receivable": "8.98", "Other Revenues": "-0.289", "Revenues": "-0.289", "Comprehensive Net Income": "-0.173", "Other Expenses": "-0.654", "Other Net Income": "0.251", "Labor Expense": "0.317", "Economic Capital Ratio": "-1.74"}, "2015": {"Deposits": "9.68", "Liabilities": "-1.27", "Stockholders Equity": "-1.70", "ECR before LimitedLiability": "-2.06", "Long-term Debt": "1.05", "Other Liabilities": "-201", "Liabilities and Borrowings": "9.65", "Loans and Leases Receivable": "7.80", "Assets": "-0.457", "Assets and Securities": "-3.23", "Property, Plant and Equipment": "-0.729", "Cash Deposits and Cash Equivalents": "-2.34", "Goodwill": "-0.613", "Other Assets": "-3.93", "Other Revenues": "-0.304", "Revenues": "-0.304", "Net Income": "-0.387", "Other Expenses": "-0.311", "Comprehensive Net Income": "-0.279", "Labor Expense": "0.261", "Economic Capital Ratio": "-2.10"}, "2016": {"Liabilities and Borrowings": "10.7", "Liabilities": "-0.848", "Stockholders Equity": "-1.77", "ECR before LimitedLiability": "-0.992", "Deposits": "10.8", "Other Liabilities": "-212", "Long-term Debt": "0.818", "Assets and Securities": "-4.25", "Assets": "-0.897", "Property, Plant and Equipment": "-0.754", "Other Assets": "-3.65", "Goodwill": "-0.815", "Loans and Leases Receivable": "8.80", "Cash Deposits and Cash Equivalents": "-2.69", "Other Revenues": "-0.499", "Revenues": "-0.499", "Comprehensive Net Income": "0.759", "Other Net Income": "0.994", "Labor Expense": "0.437", "Other Expenses": "-0.878", "Economic Capital Ratio": "-1.04"}, "2019": {"Long-term Debt": "0.508", "Liabilities": "-1.46", "Stockholders Equity": "-2.86", "ECR before LimitedLiability": "-6.03", "Deposits": "9.20", "Other Liabilities": "-237", "Liabilities and Borrowings": "9.20", "Loans and Leases Receivable": "7.48", "Assets": "-1.33", "Other Assets": "-6.51", "Goodwill": "-1.05", "Property, Plant and Equipment": "-0.650", "Cash Deposits and Cash Equivalents": "-2.95", "Assets and Securities": "-0.429", "Expenses": "-1.53", "Net Income": "-2.20", "Other Expenses": "0.702", "Labor Expense": "-1.37", "Comprehensive Net Income": "-2.94", "Other Compr. Net Income": "-0.689", "Economic Capital Ratio": "-6.06"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "57,915", "Cash Deposits and Cash Equivalents": "33,485", "Deposits": "0", "Fees": "0", "Goodwill": "16,127", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "44,067", "Loans and Leases Receivable": "3,402,402", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,191,216", "Other Compr. Net Income": "-23,512", "Other Expenses": "22,956", "Other Liabilities": "4,244,902", "Other Net Income": "60,708", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "20,356"}, "output_variables": {"Liabilities": "4,288,969", "Assets": "4,721,501", "Expenses": "22,956", "Revenues": "0", "Stockholders Equity": "432,532", "Net Income": "37,752", "Comprehensive Net Income": "14,240", "BaseVar": "4,699,759", "ECR before LimitedLiability": "8.5%", "Economic Capital Ratio": "8.8%"}}, "2014": {"input_variables": {"Assets and Securities": "69,335", "Cash Deposits and Cash Equivalents": "34,265", "Deposits": "0", "Fees": "0", "Goodwill": "16,127", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "55,676", "Loans and Leases Receivable": "3,785,277", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,150,141", "Other Compr. Net Income": "-23,461", "Other Expenses": "28,252", "Other Liabilities": "4,565,090", "Other Net Income": "72,434", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "21,868"}, "output_variables": {"Liabilities": "4,620,766", "Assets": "5,077,013", "Expenses": "28,252", "Revenues": "0", "Stockholders Equity": "456,247", "Net Income": "44,182", "Comprehensive Net Income": "20,722", "BaseVar": "5,074,216", "ECR before LimitedLiability": "8.8%", "Economic Capital Ratio": "9.0%"}}, "2015": {"input_variables": {"Assets and Securities": "63,962", "Cash Deposits and Cash Equivalents": "42,363", "Deposits": "0", "Fees": "0", "Goodwill": "16,127", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "67,344", "Loans and Leases Receivable": "4,366,444", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,190,116", "Other Compr. Net Income": "3,537", "Other Expenses": "27,260", "Other Liabilities": "5,164,223", "Other Net Income": "73,360", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "25,622"}, "output_variables": {"Liabilities": "5,231,567", "Assets": "5,704,634", "Expenses": "27,260", "Revenues": "0", "Stockholders Equity": "473,067", "Net Income": "46,100", "Comprehensive Net Income": "49,637", "BaseVar": "5,657,146", "ECR before LimitedLiability": "10.0%", "Economic Capital Ratio": "10%"}}, "2016": {"input_variables": {"Assets and Securities": "55,453", "Cash Deposits and Cash Equivalents": "35,857", "Deposits": "0", "Fees": "0", "Goodwill": "16,127", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "72,440", "Loans and Leases Receivable": "4,813,464", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "1,111,025", "Other Compr. Net Income": "-2,726", "Other Expenses": "39,791", "Other Liabilities": "5,472,194", "Other Net Income": "105,255", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "26,561"}, "output_variables": {"Liabilities": "5,544,634", "Assets": "6,058,487", "Expenses": "39,791", "Revenues": "0", "Stockholders Equity": "513,853", "Net Income": "65,464", "Comprehensive Net Income": "62,737", "BaseVar": "6,069,767", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2019": {"input_variables": {"Assets and Securities": "831,994", "Cash Deposits and Cash Equivalents": "49,787", "Deposits": "0", "Fees": "9,227", "Goodwill": "16,127", "IT and Equipment Expense": "5,878", "Labor Expense": "67,765", "Liabilities and Borrowings": "85,082", "Loans and Leases Receivable": "5,750,455", "Long-term Debt": "0", "Occupancy": "11,328", "Other Assets": "340,737", "Other Compr. Net Income": "29", "Other Expenses": "19,847", "Other Liabilities": "6,353,022", "Other Net Income": "158,480", "Other Noninterest Expense": "14,937", "Other Revenues": "9,148", "Property, Plant and Equipment": "28,676"}, "output_variables": {"Liabilities": "6,438,104", "Assets": "7,017,776", "Expenses": "128,982", "Revenues": "9,148", "Stockholders Equity": "579,672", "Net Income": "38,646", "Comprehensive Net Income": "38,675", "BaseVar": "7,266,339", "ECR before LimitedLiability": "8.7%", "Economic Capital Ratio": "8.9%"}}}, "top_rated": false, "trend": null, "value": 0.09197808278915064, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000923139.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000923139.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000923139.svg"}, {"company_id": "0000763563", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000763563.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 137, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 9.1% points.The greatest weakness of Chemung Financial CORP 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 9.1%, being 6.1% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000763563_2020_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"}, "2013": {"Long-term Debt": "0.840", "Liabilities": "-1.86", "Stockholders Equity": "-0.591", "ECR before LimitedLiability": "0.366", "Liabilities and Borrowings": "-35.5", "Other Liabilities": "10.7", "Deposits": "-12.5", "Goodwill": "0.271", "Assets": "1.02", "Loans and Leases Receivable": "6.60", "Cash Deposits and Cash Equivalents": "-0.733", "Assets and Securities": "-4.37", "Other Assets": "-2.14", "Property, Plant and Equipment": "0.322", "Expenses": "0.784", "Net Income": "-1.05", "Other Expenses": "0.384", "Labor Expense": "0.259", "Other Net Income": "-1.71", "Other Compr. Net Income": "2.10", "Comprehensive Net Income": "1.13", "Economic Capital Ratio": "0.218"}, "2014": {"Deposits": "-8.09", "Liabilities": "-1.45", "Cash Deposits and Cash Equivalents": "-1.41", "Stockholders Equity": "-1.35", "Other Liabilities": "7.38", "Liabilities and Borrowings": "-33.0", "Long-term Debt": "0.917", "Expenses": "0.790", "Revenues": "-0.232", "Net Income": "-1.16", "Other Expenses": "0.403", "Labor Expense": "0.250", "Other Revenues": "-0.232", "ECR before LimitedLiability": "-5.56", "Other Assets": "-3.37", "Property, Plant and Equipment": "0.348", "Assets and Securities": "-4.02", "Loans and Leases Receivable": "5.84", "Comprehensive Net Income": "-3.81", "Other Net Income": "-1.84", "Other Compr. Net Income": "-2.46", "Economic Capital Ratio": "-5.60"}, "2015": {"Deposits": "-3.17", "Liabilities": "5.35", "Stockholders Equity": "-2.43", "ECR before LimitedLiability": "-2.99", "Other Liabilities": "8.75", "Liabilities and Borrowings": "-27.8", "Loans and Leases Receivable": "1.43", "Assets": "-8.49", "Assets and Securities": "-4.40", "Cash Deposits and Cash Equivalents": "-1.99", "Other Assets": "-3.86", "IT and Equipment Expense": "-2.01", "Expenses": "-10.5", "Revenues": "3.32", "Comprehensive Net Income": "-1.70", "Other Expenses": "-5.31", "Occupancy": "-1.44", "Other Revenues": "3.32", "Other Compr. Net Income": "-1.15", "Other Net Income": "4.21", "Economic Capital Ratio": "-3.04"}, "2016": {"Liabilities and Borrowings": "-28.4", "Liabilities": "4.97", "Assets": "-7.85", "Stockholders Equity": "-2.39", "ECR before LimitedLiability": "-2.29", "Deposits": "-3.96", "Other Liabilities": "9.47", "Long-term Debt": "0.840", "Assets and Securities": "-5.30", "Other Assets": "-3.46", "Loans and Leases Receivable": "1.05", "Other Expenses": "-5.12", "Expenses": "-10.2", "Revenues": "3.41", "Comprehensive Net Income": "-0.981", "IT and Equipment Expense": "-2.00", "Occupancy": "-1.37", "Other Noninterest Expense": "-1.18", "Other Revenues": "3.41", "Other Net Income": "4.08", "Economic Capital Ratio": "-2.33"}, "2017": {"Other Liabilities": "9.37", "Liabilities": "4.32", "Stockholders Equity": "-2.56", "ECR before LimitedLiability": "-2.98", "Liabilities and Borrowings": "-24.6", "Deposits": "-1.66", "Loans and Leases Receivable": "2.78", "Assets": "-7.21", "Cash Deposits and Cash Equivalents": "-1.94", "Assets and Securities": "-4.91", "Other Assets": "-3.14", "Expenses": "-8.66", "Revenues": "3.16", "Comprehensive Net Income": "-1.40", "Other Noninterest Expense": "-1.16", "IT and Equipment Expense": "-1.88", "Other Expenses": "-4.13", "Occupancy": "-1.19", "Other Revenues": "3.16", "Other Net Income": "3.50", "Economic Capital Ratio": "-3.03"}, "2018": {"Other Liabilities": "8.09", "Liabilities": "2.51", "Stockholders Equity": "-1.95", "ECR before LimitedLiability": "-4.67", "Liabilities and Borrowings": "-27.0", "Deposits": "-6.41", "Assets": "-4.73", "Assets and Securities": "0.879", "Other Assets": "-11.3", "Loans and Leases Receivable": "3.52", "Cash Deposits and Cash Equivalents": "1.56", "Labor Expense": "1.75", "Expenses": "-7.54", "Net Income": "-3.57", "Other Net Income": "3.10", "Occupancy": "-0.893", "Other Noninterest Expense": "-0.668", "Other Expenses": "-5.73", "IT and Equipment Expense": "-1.54", "Comprehensive Net Income": "-3.24", "Economic Capital Ratio": "-4.76"}, "2019": {"Liabilities": "2.26", "Stockholders Equity": "-1.67", "ECR before LimitedLiability": "-6.08", "Deposits": "-6.29", "Other Liabilities": "9.15", "Liabilities and Borrowings": "-25.9", "Loans and Leases Receivable": "1.49", "Assets": "-3.90", "Other Assets": "-8.25", "Cash Deposits and Cash Equivalents": "1.16", "Assets and Securities": "1.93", "Other Noninterest Expense": "-0.775", "Expenses": "-7.00", "Net Income": "-5.12", "Other Net Income": "2.01", "Other Expenses": "-5.38", "Occupancy": "-0.821", "Labor Expense": "1.90", "IT and Equipment Expense": "-1.69", "Comprehensive Net Income": "-4.88", "Economic Capital Ratio": "-6.11"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "366", "Cash Deposits and Cash Equivalents": "51,609", "Deposits": "1,263,370", "Fees": "0", "Goodwill": "21,824", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "912,148", "Loans and Leases Receivable": "983,090", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "389,214", "Other Compr. Net Income": "2,962", "Other Expenses": "3,822", "Other Liabilities": "-837,952", "Other Net Income": "12,553", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "30,039"}, "output_variables": {"Liabilities": "1,337,565", "Assets": "1,476,143", "Expenses": "3,822", "Revenues": "0", "Stockholders Equity": "138,578", "Net Income": "8,731", "Comprehensive Net Income": "11,693", "BaseVar": "1,441,952", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2014": {"input_variables": {"Assets and Securities": "549", "Cash Deposits and Cash Equivalents": "29,163", "Deposits": "1,280,014", "Fees": "0", "Goodwill": "21,824", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "913,716", "Loans and Leases Receivable": "1,107,888", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "332,828", "Other Compr. Net Income": "916", "Other Expenses": "3,703", "Other Liabilities": "-802,819", "Other Net Income": "11,831", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "32,287"}, "output_variables": {"Liabilities": "1,390,911", "Assets": "1,524,539", "Expenses": "3,703", "Revenues": "0", "Stockholders Equity": "133,628", "Net Income": "8,128", "Comprehensive Net Income": "9,044", "BaseVar": "1,487,581", "ECR before LimitedLiability": "9.3%", "Economic Capital Ratio": "9.5%"}}, "2015": {"input_variables": {"Assets and Securities": "701", "Cash Deposits and Cash Equivalents": "26,185", "Deposits": "1,400,295", "Fees": "2,368", "Goodwill": "21,824", "IT and Equipment Expense": "9,565", "Labor Expense": "0", "Liabilities and Borrowings": "998,059", "Loans and Leases Receivable": "1,154,373", "Long-term Debt": "0", "Occupancy": "7,006", "Other Assets": "387,484", "Other Compr. Net Income": "-7,875", "Other Expenses": "29,159", "Other Liabilities": "-915,632", "Other Net Income": "47,272", "Other Noninterest Expense": "5,817", "Other Revenues": "20,447", "Property, Plant and Equipment": "29,397"}, "output_variables": {"Liabilities": "1,482,722", "Assets": "1,619,964", "Expenses": "53,915", "Revenues": "20,447", "Stockholders Equity": "137,242", "Net Income": "13,805", "Comprehensive Net Income": "5,929", "BaseVar": "1,786,403", "ECR before LimitedLiability": "8.2%", "Economic Capital Ratio": "8.5%"}}, "2016": {"input_variables": {"Assets and Securities": "774", "Cash Deposits and Cash Equivalents": "74,162", "Deposits": "1,456,343", "Fees": "4,089", "Goodwill": "21,824", "IT and Equipment Expense": "9,560", "Labor Expense": "0", "Liabilities and Borrowings": "1,038,531", "Loans and Leases Receivable": "1,186,037", "Long-term Debt": "0", "Occupancy": "6,841", "Other Assets": "345,459", "Other Compr. Net Income": "-5,470", "Other Expenses": "31,001", "Other Liabilities": "-981,443", "Other Net Income": "49,901", "Other Noninterest Expense": "5,847", "Other Revenues": "21,174", "Property, Plant and Equipment": "28,923"}, "output_variables": {"Liabilities": "1,513,431", "Assets": "1,657,179", "Expenses": "57,338", "Revenues": "21,174", "Stockholders Equity": "143,748", "Net Income": "13,736", "Comprehensive Net Income": "8,266", "BaseVar": "1,828,304", "ECR before LimitedLiability": "8.9%", "Economic Capital Ratio": "9.1%"}}, "2017": {"input_variables": {"Assets and Securities": "988", "Cash Deposits and Cash Equivalents": "30,729", "Deposits": "1,467,446", "Fees": "2,854", "Goodwill": "21,824", "IT and Equipment Expense": "9,367", "Labor Expense": "0", "Liabilities and Borrowings": "999,836", "Loans and Leases Receivable": "1,290,663", "Long-term Debt": "0", "Occupancy": "6,275", "Other Assets": "336,759", "Other Compr. Net Income": "-4,631", "Other Expenses": "29,043", "Other Liabilities": "-909,475", "Other Net Income": "47,946", "Other Noninterest Expense": "6,065", "Other Revenues": "20,468", "Property, Plant and Equipment": "26,657"}, "output_variables": {"Liabilities": "1,557,807", "Assets": "1,707,620", "Expenses": "53,605", "Revenues": "20,468", "Stockholders Equity": "149,813", "Net Income": "14,810", "Comprehensive Net Income": "10,179", "BaseVar": "1,862,584", "ECR before LimitedLiability": "9.3%", "Economic Capital Ratio": "9.5%"}}, "2018": {"input_variables": {"Assets and Securities": "242,258", "Cash Deposits and Cash Equivalents": "129,972", "Deposits": "1,569,237", "Fees": "3,429", "Goodwill": "21,824", "IT and Equipment Expense": "9,547", "Labor Expense": "0", "Liabilities and Borrowings": "1,084,804", "Loans and Leases Receivable": "1,292,962", "Long-term Debt": "0", "Occupancy": "6,543", "Other Assets": "43,347", "Other Compr. Net Income": "-2,869", "Other Expenses": "35,229", "Other Liabilities": "-1,063,727", "Other Net Income": "59,723", "Other Noninterest Expense": "6,093", "Other Revenues": "1,372", "Property, Plant and Equipment": "24,980"}, "output_variables": {"Liabilities": "1,590,314", "Assets": "1,755,343", "Expenses": "60,841", "Revenues": "1,372", "Stockholders Equity": "165,029", "Net Income": "254", "Comprehensive Net Income": "-2,616", "BaseVar": "1,899,351", "ECR before LimitedLiability": "7.0%", "Economic Capital Ratio": "7.5%"}}, "2019": {"input_variables": {"Assets and Securities": "284,090", "Cash Deposits and Cash Equivalents": "121,904", "Deposits": "1,572,138", "Fees": "2,142", "Goodwill": "21,824", "IT and Equipment Expense": "9,883", "Labor Expense": "0", "Liabilities and Borrowings": "1,103,900", "Loans and Leases Receivable": "1,285,741", "Long-term Debt": "0", "Occupancy": "5,985", "Other Assets": "51,851", "Other Compr. Net Income": "2,866", "Other Expenses": "34,665", "Other Liabilities": "-1,070,838", "Other Net Income": "55,084", "Other Noninterest Expense": "6,199", "Other Revenues": "1,712", "Property, Plant and Equipment": "22,417"}, "output_variables": {"Liabilities": "1,605,200", "Assets": "1,787,827", "Expenses": "58,874", "Revenues": "1,712", "Stockholders Equity": "182,627", "Net Income": "-2,078", "Comprehensive Net Income": "788", "BaseVar": "1,911,657", "ECR before LimitedLiability": "8.5%", "Economic Capital Ratio": "8.7%"}}}, "top_rated": false, "trend": -17.0, "value": 0.09147018446149727, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000763563.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000763563.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000763563.svg"}, {"company_id": "0000890066", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000890066.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 138, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 Other Liabilities, increasing the Economic Capital Ratio by 9.0% points.The greatest weakness of GLEN Burnie Bancorp is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 19% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 9.1%, being 6.1% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000890066_2020_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"}, "2013": {"Long-term Debt": "-2.95", "Liabilities": "-1.02", "Stockholders Equity": "-1.19", "Liabilities and Borrowings": "-34.6", "Other Liabilities": "6.52", "Deposits": "-10.3", "Expenses": "0.821", "Net Income": "-0.552", "Other Expenses": "0.532", "Labor Expense": "0.194", "Comprehensive Net Income": "-2.28", "ECR before LimitedLiability": "-3.79", "Goodwill": "-0.632", "Loans and Leases Receivable": "5.97", "Cash Deposits and Cash Equivalents": "-0.967", "Assets and Securities": "-3.79", "Other Assets": "-3.55", "Property, Plant and Equipment": "-0.353", "Other Net Income": "-1.37", "Other Compr. Net Income": "-1.63", "Economic Capital Ratio": "-3.93"}, "2014": {"Deposits": "-11.3", "Liabilities": "-2.71", "Stockholders Equity": "-1.62", "ECR before LimitedLiability": "-2.87", "Other Liabilities": "10.1", "Liabilities and Borrowings": "-39.4", "Long-term Debt": "-3.05", "Cash Deposits and Cash Equivalents": "-0.526", "Assets": "0.778", "Other Assets": "-0.383", "Property, Plant and Equipment": "-0.411", "Assets and Securities": "-4.16", "Goodwill": "-0.822", "Loans and Leases Receivable": "6.04", "Expenses": "1.50", "Net Income": "-1.50", "Other Expenses": "1.04", "Other Compr. Net Income": "0.561", "Comprehensive Net Income": "-0.915", "Other Net Income": "-2.85", "Economic Capital Ratio": "-2.91"}, "2015": {"Deposits": "-12.1", "Liabilities": "-2.64", "Stockholders Equity": "-1.06", "Long-term Debt": "-2.99", "Other Liabilities": "8.28", "Liabilities and Borrowings": "-33.4", "Loans and Leases Receivable": "3.48", "Assets": "1.15", "ECR before LimitedLiability": "-3.47", "Assets and Securities": "-3.50", "Property, Plant and Equipment": "-0.385", "Cash Deposits and Cash Equivalents": "-0.505", "Goodwill": "-0.745", "Other Assets": "1.97", "Expenses": "1.35", "Revenues": "-0.274", "Net Income": "-1.88", "Other Expenses": "0.969", "Other Revenues": "-0.274", "Comprehensive Net Income": "-1.98", "Other Net Income": "-3.20", "Economic Capital Ratio": "-3.51"}, "2017": {"Other Liabilities": "8.48", "Liabilities": "-3.22", "Stockholders Equity": "-1.47", "Liabilities and Borrowings": "-29.2", "Long-term Debt": "0.625", "Deposits": "-9.85", "Loans and Leases Receivable": "3.34", "Assets": "1.23", "ECR before LimitedLiability": "-3.88", "Cash Deposits and Cash Equivalents": "-0.538", "Assets and Securities": "-4.22", "Other Assets": "3.02", "Goodwill": "-1.04", "Expenses": "1.52", "Revenues": "-0.472", "Net Income": "-2.18", "Other Expenses": "0.866", "Other Revenues": "-0.472", "Comprehensive Net Income": "-1.89", "Other Net Income": "-3.50", "Economic Capital Ratio": "-3.92"}, "2018": {"Other Liabilities": "6.72", "Liabilities": "0.999", "Stockholders Equity": "-2.53", "Liabilities and Borrowings": "-17.9", "Deposits": "1.50", "Assets": "-3.51", "Assets and Securities": "4.48", "Other Assets": "-7.91", "Loans and Leases Receivable": "2.88", "Goodwill": "-1.10", "Cash Deposits and Cash Equivalents": "-2.63", "Labor Expense": "-3.29", "Expenses": "-4.94", "Net Income": "-3.13", "Other Net Income": "1.78", "Fees": "-0.762", "Occupancy": "-0.544", "Other Noninterest Expense": "-0.612", "ECR before LimitedLiability": "-5.59", "Comprehensive Net Income": "-3.16", "Economic Capital Ratio": "-5.68"}, "2019": {"Liabilities": "1.95", "Stockholders Equity": "-2.45", "ECR before LimitedLiability": "-6.09", "Deposits": "-1.96", "Other Liabilities": "9.01", "Liabilities and Borrowings": "-18.8", "Loans and Leases Receivable": "2.19", "Assets": "-4.25", "Other Assets": "-5.92", "Goodwill": "-1.27", "Cash Deposits and Cash Equivalents": "-3.16", "Assets and Securities": "3.43", "Other Noninterest Expense": "-0.935", "Expenses": "-6.61", "Net Income": "-4.14", "Other Net Income": "2.60", "Fees": "-0.922", "Occupancy": "-0.948", "Labor Expense": "-4.30", "Comprehensive Net Income": "-4.08", "Economic Capital Ratio": "-6.11"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2013": {"input_variables": {"Assets and Securities": "694", "Cash Deposits and Cash Equivalents": "10,953", "Deposits": "323,803", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "238,560", "Loans and Leases Receivable": "270,684", "Long-term Debt": "20,000", "Occupancy": "0", "Other Assets": "91,165", "Other Compr. Net Income": "-3,641", "Other Expenses": "634", "Other Liabilities": "-236,753", "Other Net Income": "3,248", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "3,697"}, "output_variables": {"Liabilities": "345,610", "Assets": "377,194", "Expenses": "634", "Revenues": "0", "Stockholders Equity": "31,583", "Net Income": "2,614", "Comprehensive Net Income": "-1,027", "BaseVar": "375,055", "ECR before LimitedLiability": "5.7%", "Economic Capital Ratio": "6.5%"}}, "2014": {"input_variables": {"Assets and Securities": "668", "Cash Deposits and Cash Equivalents": "13,280", "Deposits": "338,877", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "251,920", "Loans and Leases Receivable": "273,986", "Long-term Debt": "20,000", "Occupancy": "0", "Other Assets": "103,023", "Other Compr. Net Income": "1,281", "Other Expenses": "309", "Other Liabilities": "-249,998", "Other Net Income": "2,223", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "3,671"}, "output_variables": {"Liabilities": "360,799", "Assets": "394,630", "Expenses": "309", "Revenues": "0", "Stockholders Equity": "33,831", "Net Income": "1,915", "Comprehensive Net Income": "3,195", "BaseVar": "384,634", "ECR before LimitedLiability": "10.0%", "Economic Capital Ratio": "10%"}}, "2015": {"input_variables": {"Assets and Securities": "1,778", "Cash Deposits and Cash Equivalents": "12,371", "Deposits": "335,192", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "242,780", "Loans and Leases Receivable": "259,637", "Long-term Debt": "20,000", "Occupancy": "0", "Other Assets": "113,425", "Other Compr. Net Income": "482", "Other Expenses": "244", "Other Liabilities": "-241,567", "Other Net Income": "1,575", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "3,369"}, "output_variables": {"Liabilities": "356,404", "Assets": "390,580", "Expenses": "244", "Revenues": "0", "Stockholders Equity": "34,176", "Net Income": "1,330", "Comprehensive Net Income": "1,812", "BaseVar": "377,668", "ECR before LimitedLiability": "8.8%", "Economic Capital Ratio": "9.0%"}}, "2017": {"input_variables": {"Assets and Securities": "583", "Cash Deposits and Cash Equivalents": "12,605", "Deposits": "334,238", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "230,221", "Loans and Leases Receivable": "269,023", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "103,868", "Other Compr. Net Income": "-47", "Other Expenses": "921", "Other Liabilities": "-209,051", "Other Net Income": "1,832", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "3,371"}, "output_variables": {"Liabilities": "355,408", "Assets": "389,450", "Expenses": "921", "Revenues": "0", "Stockholders Equity": "34,042", "Net Income": "911", "Comprehensive Net Income": "864", "BaseVar": "377,512", "ECR before LimitedLiability": "7.9%", "Economic Capital Ratio": "8.2%"}}, "2018": {"input_variables": {"Assets and Securities": "82,128", "Cash Deposits and Cash Equivalents": "2,605", "Deposits": "322,453", "Fees": "1,231", "Goodwill": "0", "IT and Equipment Expense": "253", "Labor Expense": "6,593", "Liabilities and Borrowings": "221,084", "Loans and Leases Receivable": "296,579", "Long-term Debt": "0", "Occupancy": "1,170", "Other Assets": "28,628", "Other Compr. Net Income": "-170", "Other Expenses": "998", "Other Liabilities": "-164,542", "Other Net Income": "14,898", "Other Noninterest Expense": "1,429", "Other Revenues": "172", "Property, Plant and Equipment": "3,106"}, "output_variables": {"Liabilities": "378,995", "Assets": "413,046", "Expenses": "11,674", "Revenues": "172", "Stockholders Equity": "34,051", "Net Income": "3,396", "Comprehensive Net Income": "3,225", "BaseVar": "444,870", "ECR before LimitedLiability": "9.6%", "Economic Capital Ratio": "9.7%"}}, "2019": {"input_variables": {"Assets and Securities": "71,794", "Cash Deposits and Cash Equivalents": "2,420", "Deposits": "321,440", "Fees": "1,189", "Goodwill": "0", "IT and Equipment Expense": "244", "Labor Expense": "6,835", "Liabilities and Borrowings": "214,282", "Loans and Leases Receivable": "282,672", "Long-term Debt": "0", "Occupancy": "1,503", "Other Assets": "24,295", "Other Compr. Net Income": "205", "Other Expenses": "1,214", "Other Liabilities": "-186,460", "Other Net Income": "12,761", "Other Noninterest Expense": "1,521", "Other Revenues": "163", "Property, Plant and Equipment": "3,761"}, "output_variables": {"Liabilities": "349,262", "Assets": "384,942", "Expenses": "12,504", "Revenues": "163", "Stockholders Equity": "35,680", "Net Income": "421", "Comprehensive Net Income": "625", "BaseVar": "413,627", "ECR before LimitedLiability": "8.1%", "Economic Capital Ratio": "8.4%"}}}, "top_rated": false, "trend": -16.0, "value": 0.09142056699127292, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000890066.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000890066.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000890066.svg"}, {"company_id": "0001649749", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001649749.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001649749.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001649749.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001649749_256x256.png", "name": "FB Financial Corp", "rank": 139, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001649749.svg", "report_text": "The relative strengths and weaknesses of FB 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 FB Financial Corp compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 8.2% points.The greatest weakness of FB Financial Corp 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 8.7%, being 6.5% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001649749_2020_FB_Financial_Corp.pdf", "shrinked_graph_json": {"2016": {"Liabilities and Borrowings": "-12.4", "Liabilities": "0.157", "Assets": "-0.579", "Stockholders Equity": "-0.487", "ECR before LimitedLiability": "0.781", "Deposits": "-5.53", "Other Liabilities": "10.9", "Long-term Debt": "-0.316", "Assets and Securities": "-3.80", "Property, Plant and Equipment": "0.407", "Other Assets": "7.70", "Loans and Leases Receivable": "-5.50", "Other Revenues": "-0.514", "Revenues": "-0.514", "Net Income": "1.00", "Other Compr. Net Income": "0.225", "Comprehensive Net Income": "1.22", "Other Expenses": "-0.856", "Other Net Income": "1.63", "Labor Expense": "0.454", "Economic Capital Ratio": "0.737"}, "2017": {"Loans and Leases Receivable": "2.22", "Assets": "1.21", "Long-term Debt": "-1.95", "Stockholders Equity": "1.48", "ECR before LimitedLiability": "2.45", "Cash Deposits and Cash Equivalents": "-1.12", "Assets and Securities": "-3.83", "Other Assets": "2.91", "Goodwill": "1.00", "Expenses": "1.12", "Revenues": "-0.553", "Net Income": "0.931", "Other Expenses": "0.255", "Labor Expense": "0.550", "Other Revenues": "-0.553", "Other Liabilities": "10.9", "Liabilities and Borrowings": "-10.1", "Deposits": "-2.42", "Comprehensive Net Income": "1.10", "Other Net Income": "0.359", "Economic Capital Ratio": "2.41"}, "2018": {"Other Liabilities": "-9.91", "Liabilities": "5.32", "ECR before LimitedLiability": "-5.19", "Long-term Debt": "0.561", "Liabilities and Borrowings": "7.07", "Deposits": "1.10", "Assets": "-5.83", "Assets and Securities": "0.942", "Other Assets": "-7.66", "Loans and Leases Receivable": "1.42", "Goodwill": "0.501", "Cash Deposits and Cash Equivalents": "-1.60", "Labor Expense": "-7.51", "Expenses": "-12.9", "Net Income": "-7.24", "Occupancy": "-0.535", "Other Noninterest Expense": "-1.62", "Other Expenses": "-2.09", "Comprehensive Net Income": "-7.03", "Other Net Income": "4.36", "Economic Capital Ratio": "-5.28"}, "2019": {"Long-term Debt": "0.526", "Liabilities": "4.29", "Assets": "-5.16", "ECR before LimitedLiability": "-6.52", "Deposits": "1.04", "Other Liabilities": "-13.6", "Liabilities and Borrowings": "8.20", "Loans and Leases Receivable": "0.454", "Other Assets": "-5.45", "Goodwill": "0.611", "Cash Deposits and Cash Equivalents": "-0.939", "Expenses": "-11.2", "Net Income": "-7.45", "Other Expenses": "-3.70", "Occupancy": "-0.530", "Labor Expense": "-7.03", "Other Revenues": "-0.431", "Revenues": "-0.431", "Comprehensive Net Income": "-7.40", "Other Net Income": "3.21", "Economic Capital Ratio": "-6.54"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001649749_strength_weakness.svg", "table_records": {"2016": {"input_variables": {"Assets and Securities": "51,354", "Cash Deposits and Cash Equivalents": "136,327", "Deposits": "2,671,562", "Fees": "0", "Goodwill": "46,867", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,449,382", "Loans and Leases Receivable": "1,827,037", "Long-term Debt": "44,892", "Occupancy": "0", "Other Assets": "1,148,645", "Other Compr. Net Income": "-3,331", "Other Expenses": "21,733", "Other Liabilities": "-1,219,453", "Other Net Income": "62,324", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "66,651"}, "output_variables": {"Liabilities": "2,946,383", "Assets": "3,276,881", "Expenses": "21,733", "Revenues": "0", "Stockholders Equity": "330,498", "Net Income": "40,591", "Comprehensive Net Income": "37,260", "BaseVar": "3,270,241", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2017": {"input_variables": {"Assets and Securities": "44,216", "Cash Deposits and Cash Equivalents": "119,751", "Deposits": "3,664,395", "Fees": "0", "Goodwill": "137,190", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,909,546", "Loans and Leases Receivable": "3,142,870", "Long-term Debt": "143,302", "Occupancy": "0", "Other Assets": "1,202,109", "Other Compr. Net Income": "1,674", "Other Expenses": "21,087", "Other Liabilities": "-1,586,259", "Other Net Income": "73,485", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "81,577"}, "output_variables": {"Liabilities": "4,130,984", "Assets": "4,727,713", "Expenses": "21,087", "Revenues": "0", "Stockholders Equity": "596,729", "Net Income": "52,398", "Comprehensive Net Income": "54,072", "BaseVar": "4,604,035", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "15%"}}, "2018": {"input_variables": {"Assets and Securities": "725,800", "Cash Deposits and Cash Equivalents": "125,356", "Deposits": "4,171,717", "Fees": "2,714", "Goodwill": "137,190", "IT and Equipment Expense": "9,100", "Labor Expense": "136,892", "Liabilities and Borrowings": "863,706", "Loans and Leases Receivable": "3,638,579", "Long-term Debt": "0", "Occupancy": "13,976", "Other Assets": "422,957", "Other Compr. Net Income": "-4,484", "Other Expenses": "53,810", "Other Liabilities": "-570,516", "Other Net Income": "198,783", "Other Noninterest Expense": "32,584", "Other Revenues": "6,172", "Property, Plant and Equipment": "86,882"}, "output_variables": {"Liabilities": "4,464,907", "Assets": "5,136,764", "Expenses": "249,076", "Revenues": "6,172", "Stockholders Equity": "671,857", "Net Income": "-44,121", "Comprehensive Net Income": "-48,605", "BaseVar": "5,633,040", "ECR before LimitedLiability": "7.1%", "Economic Capital Ratio": "7.6%"}}, "2019": {"input_variables": {"Assets and Securities": "811,095", "Cash Deposits and Cash Equivalents": "232,681", "Deposits": "4,934,938", "Fees": "2,649", "Goodwill": "169,051", "IT and Equipment Expense": "10,880", "Labor Expense": "153,980", "Liabilities and Borrowings": "1,014,875", "Loans and Leases Receivable": "4,378,503", "Long-term Debt": "0", "Occupancy": "15,866", "Other Assets": "443,460", "Other Compr. Net Income": "-4,471", "Other Expenses": "193,071", "Other Liabilities": "-587,221", "Other Net Income": "225,935", "Other Noninterest Expense": "31,807", "Other Revenues": "7,263", "Property, Plant and Equipment": "90,131"}, "output_variables": {"Liabilities": "5,362,592", "Assets": "6,124,921", "Expenses": "408,254", "Revenues": "7,263", "Stockholders Equity": "762,329", "Net Income": "-175,056", "Comprehensive Net Income": "-179,527", "BaseVar": "6,916,107", "ECR before LimitedLiability": "-1.1%", "Economic Capital Ratio": "2.2%"}}}, "top_rated": false, "trend": -18.0, "value": 0.08713335236733688, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001649749.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001649749.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001649749.svg"}, {"company_id": "0001562463", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001562463.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0001562463.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0001562463.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0001562463_256x256.png", "name": "First Internet Bancorp", "rank": 140, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0001562463.svg", "report_text": "The relative strengths and weaknesses of First Internet 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 First Internet Bancorp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 8.6% points.The greatest weakness of First Internet Bancorp 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 8.6%, being 6.6% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001562463_2020_First_Internet_Bancorp.pdf", "shrinked_graph_json": {"2013": {"Long-term Debt": "0.798", "Liabilities": "-0.681", "Stockholders Equity": "0.914", "ECR before LimitedLiability": "-0.723", "Liabilities and Borrowings": "-64.9", "Other Liabilities": "9.58", "Deposits": "-11.3", "Goodwill": "-0.360", "Assets": "1.43", "Loans and Leases Receivable": "-32.7", "Cash Deposits and Cash Equivalents": "1.50", "Assets and Securities": "-3.79", "Other Assets": "9.58", "Property, Plant and Equipment": "-0.486", "Expenses": "0.959", "Net Income": "-1.08", "Other Expenses": "0.582", "Other Net Income": "-1.96", "Other Compr. Net Income": "-0.441", "Comprehensive Net Income": "-1.54", "Economic Capital Ratio": "-0.870"}, "2014": {"Deposits": "-4.43", "Liabilities": "-1.88", "Stockholders Equity": "-0.508", "ECR before LimitedLiability": "-2.21", "Other Liabilities": "10.7", "Liabilities and Borrowings": "-57.8", "Long-term Debt": "1.18", "Cash Deposits and Cash Equivalents": "-0.851", "Assets": "1.11", "Other Assets": "10.7", "Property, Plant and Equipment": "-0.562", "Assets and Securities": "-3.97", "Goodwill": "-0.484", "Loans and Leases Receivable": "-34.0", "Expenses": "1.06", "Net Income": "-1.67", "Other Net Income": "-2.50", "Other Expenses": "0.572", "Labor Expense": "0.307", "Comprehensive Net Income": "-1.42", "Economic Capital Ratio": "-2.25"}, "2015": {"Deposits": "-1.26", "Liabilities": "-1.65", "Loans and Leases Receivable": "7.02", "Stockholders Equity": "-1.68", "ECR before LimitedLiability": "-2.62", "Long-term Debt": "1.01", "Other Liabilities": "9.12", "Liabilities and Borrowings": "-47.7", "Expenses": "0.493", "Net Income": "-0.735", "Labor Expense": "0.252", "Other Revenues": "-0.295", "Revenues": "-0.295", "Assets and Securities": "-3.70", "Property, Plant and Equipment": "-0.556", "Cash Deposits and Cash Equivalents": "-1.41", "Goodwill": "-0.537", "Other Assets": "-2.91", "Comprehensive Net Income": "-0.762", "Other Net Income": "-0.952", "Economic Capital Ratio": "-2.66"}, "2016": {"Liabilities and Borrowings": "-51.2", "Liabilities": "-1.74", "Assets and Securities": "-4.04", "Stockholders Equity": "-1.61", "Deposits": "-3.19", "Other Liabilities": "7.88", "Long-term Debt": "0.662", "Expenses": "0.904", "Net Income": "-1.01", "Other Revenues": "-0.425", "Revenues": "-0.425", "Comprehensive Net Income": "-1.95", "ECR before LimitedLiability": "-3.88", "Property, Plant and Equipment": "-0.591", "Other Assets": "3.50", "Goodwill": "-0.722", "Loans and Leases Receivable": "2.23", "Cash Deposits and Cash Equivalents": "-1.40", "Other Compr. Net Income": "-0.881", "Other Net Income": "-1.59", "Economic Capital Ratio": "-3.92"}, "2017": {"Other Liabilities": "9.32", "Liabilities": "-2.94", "Stockholders Equity": "-2.13", "ECR before LimitedLiability": "-3.03", "Liabilities and Borrowings": "-47.9", "Long-term Debt": "0.673", "Loans and Leases Receivable": "6.68", "Assets": "0.512", "Cash Deposits and Cash Equivalents": "-1.65", "Assets and Securities": "-4.10", "Property, Plant and Equipment": "-0.763", "Goodwill": "-0.973", "Expenses": "1.52", "Net Income": "-1.14", "Other Expenses": "0.797", "Other Revenues": "-0.501", "Revenues": "-0.501", "Comprehensive Net Income": "-0.561", "Other Compr. Net Income": "0.551", "Other Net Income": "-2.31", "Economic Capital Ratio": "-3.08"}, "2018": {"Other Liabilities": "8.11", "Liabilities": "-5.05", "Stockholders Equity": "-2.01", "Liabilities and Borrowings": "-46.7", "Deposits": "-1.09", "Property, Plant and Equipment": "-0.677", "Assets": "1.97", "ECR before LimitedLiability": "-4.65", "Assets and Securities": "2.02", "Other Assets": "-9.41", "Loans and Leases Receivable": "7.01", "Goodwill": "-0.992", "Labor Expense": "1.59", "Expenses": "3.25", "Revenues": "-0.663", "Net Income": "-1.27", "Other Expenses": "0.962", "Other Revenues": "-0.663", "Comprehensive Net Income": "-1.86", "Other Net Income": "-4.89", "Economic Capital Ratio": "-4.74"}, "2019": {"Long-term Debt": "0.477", "Liabilities": "-3.44", "Stockholders Equity": "-3.26", "Other Liabilities": "8.64", "Liabilities and Borrowings": "-44.8", "Expenses": "0.551", "Net Income": "-2.06", "Other Expenses": "1.07", "Other Revenues": "0.384", "Revenues": "0.384", "Loans and Leases Receivable": "3.27", "ECR before LimitedLiability": "-6.59", "Comprehensive Net Income": "-2.71", "Other Assets": "-6.19", "Goodwill": "-1.08", "Property, Plant and Equipment": "-0.649", "Cash Deposits and Cash Equivalents": "1.94", "Assets and Securities": "1.60", "Other Compr. Net Income": "-0.598", "Other Net Income": "-3.12", "Economic Capital Ratio": "-6.62"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0001562463_strength_weakness.svg", "table_records": {"2013": {"input_variables": {"Assets and Securities": "6,422", "Cash Deposits and Cash Equivalents": "53,690", "Deposits": "673,095", "Fees": "0", "Goodwill": "4,687", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "653,709", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "730,409", "Other Compr. Net Income": "-4,190", "Other Expenses": "1,566", "Other Liabilities": "-615,370", "Other Net Income": "6,159", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "7,134"}, "output_variables": {"Liabilities": "711,434", "Assets": "802,342", "Expenses": "1,566", "Revenues": "0", "Stockholders Equity": "90,908", "Net Income": "4,593", "Comprehensive Net Income": "403", "BaseVar": "778,514", "ECR before LimitedLiability": "9.4%", "Economic Capital Ratio": "9.6%"}}, "2014": {"input_variables": {"Assets and Securities": "4,655", "Cash Deposits and Cash Equivalents": "28,289", "Deposits": "758,598", "Fees": "0", "Goodwill": "4,687", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "736,808", "Loans and Leases Receivable": "0", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "925,811", "Other Compr. Net Income": "2,237", "Other Expenses": "2,126", "Other Liabilities": "-621,688", "Other Net Income": "6,450", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "7,061"}, "output_variables": {"Liabilities": "873,718", "Assets": "970,503", "Expenses": "2,126", "Revenues": "0", "Stockholders Equity": "96,785", "Net Income": "4,324", "Comprehensive Net Income": "6,561", "BaseVar": "941,736", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "11%"}}, "2015": {"input_variables": {"Assets and Securities": "4,871", "Cash Deposits and Cash Equivalents": "25,152", "Deposits": "956,054", "Fees": "0", "Goodwill": "4,687", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "932,354", "Loans and Leases Receivable": "945,508", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "281,131", "Other Compr. Net Income": "-1,074", "Other Expenses": "4,736", "Other Liabilities": "-722,868", "Other Net Income": "13,665", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "8,521"}, "output_variables": {"Liabilities": "1,165,540", "Assets": "1,269,870", "Expenses": "4,736", "Revenues": "0", "Stockholders Equity": "104,330", "Net Income": "8,929", "Comprehensive Net Income": "7,855", "BaseVar": "1,253,052", "ECR before LimitedLiability": "8.9%", "Economic Capital Ratio": "9.1%"}}, "2016": {"input_variables": {"Assets and Securities": "15,276", "Cash Deposits and Cash Equivalents": "39,452", "Deposits": "1,462,867", "Fees": "0", "Goodwill": "4,687", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,431,701", "Loans and Leases Receivable": "1,239,808", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "545,068", "Other Compr. Net Income": "-6,202", "Other Expenses": "7,346", "Other Liabilities": "-1,194,175", "Other Net Income": "20,714", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "10,044"}, "output_variables": {"Liabilities": "1,700,393", "Assets": "1,854,335", "Expenses": "7,346", "Revenues": "0", "Stockholders Equity": "153,942", "Net Income": "13,368", "Comprehensive Net Income": "7,166", "BaseVar": "1,839,549", "ECR before LimitedLiability": "8.1%", "Economic Capital Ratio": "8.4%"}}, "2017": {"input_variables": {"Assets and Securities": "13,182", "Cash Deposits and Cash Equivalents": "47,981", "Deposits": "2,084,941", "Fees": "0", "Goodwill": "4,687", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,040,255", "Loans and Leases Receivable": "2,076,223", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "615,556", "Other Compr. Net Income": "-5,977", "Other Expenses": "11,012", "Other Liabilities": "-1,581,636", "Other Net Income": "28,057", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "10,058"}, "output_variables": {"Liabilities": "2,543,560", "Assets": "2,767,687", "Expenses": "11,012", "Revenues": "0", "Stockholders Equity": "224,127", "Net Income": "17,045", "Comprehensive Net Income": "11,068", "BaseVar": "2,737,383", "ECR before LimitedLiability": "8.0%", "Economic Capital Ratio": "8.3%"}}, "2018": {"input_variables": {"Assets and Securities": "519,061", "Cash Deposits and Cash Equivalents": "188,712", "Deposits": "2,671,351", "Fees": "0", "Goodwill": "4,687", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "2,628,050", "Loans and Leases Receivable": "2,698,332", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "120,203", "Other Compr. Net Income": "4,214", "Other Expenses": "2,931", "Other Liabilities": "-2,046,444", "Other Net Income": "24,812", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "10,697"}, "output_variables": {"Liabilities": "3,252,957", "Assets": "3,541,692", "Expenses": "2,931", "Revenues": "0", "Stockholders Equity": "288,735", "Net Income": "21,881", "Comprehensive Net Income": "26,094", "BaseVar": "3,455,325", "ECR before LimitedLiability": "9.3%", "Economic Capital Ratio": "9.5%"}}, "2019": {"input_variables": {"Assets and Securities": "607,918", "Cash Deposits and Cash Equivalents": "327,361", "Deposits": "3,153,963", "Fees": "5,572", "Goodwill": "4,687", "IT and Equipment Expense": "1,338", "Labor Expense": "27,014", "Liabilities and Borrowings": "3,096,848", "Loans and Leases Receivable": "2,941,707", "Long-term Debt": "0", "Occupancy": "6,059", "Other Assets": "203,780", "Other Compr. Net Income": "-9,976", "Other Expenses": "4,048", "Other Liabilities": "-2,455,641", "Other Net Income": "131,104", "Other Noninterest Expense": "3,709", "Other Revenues": "14,122", "Property, Plant and Equipment": "14,630"}, "output_variables": {"Liabilities": "3,795,170", "Assets": "4,100,083", "Expenses": "47,740", "Revenues": "14,122", "Stockholders Equity": "304,913", "Net Income": "97,486", "Comprehensive Net Income": "87,510", "BaseVar": "4,315,966", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "14%"}}}, "top_rated": false, "trend": -22.0, "value": 0.08638138900209436, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001562463.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001562463.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001562463.svg"}, {"company_id": "0001163389", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0001163389.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/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": 141, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/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 Other Liabilities, increasing the Economic Capital Ratio by 8.3% points.The greatest weakness of NEW Peoples Bankshares 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 8.3%, being 7.0% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0001163389_2020_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"}, "2015": {"Deposits": "-14.8", "Liabilities": "-3.30", "Stockholders Equity": "-2.05", "Long-term Debt": "0.870", "Other Liabilities": "-11.8", "Liabilities and Borrowings": "7.70", "Loans and Leases Receivable": "5.05", "Assets": "0.795", "ECR before LimitedLiability": "-3.99", "Assets and Securities": "-3.49", "Property, Plant and Equipment": "1.73", "Goodwill": "-0.716", "Other Assets": "-2.80", "Expenses": "1.44", "Revenues": "-0.261", "Net Income": "-1.54", "Other Expenses": "1.08", "Other Revenues": "-0.261", "Comprehensive Net Income": "-1.43", "Other Net Income": "-3.04", "Economic Capital Ratio": "-4.03"}, "2017": {"Other Liabilities": "-16.1", "Liabilities": "-4.04", "Stockholders Equity": "-2.26", "Liabilities and Borrowings": "8.10", "Long-term Debt": "0.605", "Deposits": "-11.1", "Loans and Leases Receivable": "6.31", "Assets": "1.16", "ECR before LimitedLiability": "-4.17", "Cash Deposits and Cash Equivalents": "0.535", "Assets and Securities": "-3.91", "Other Assets": "-4.70", "Property, Plant and Equipment": "1.48", "Goodwill": "-1.02", "Expenses": "2.04", "Revenues": "-0.460", "Net Income": "-1.33", "Other Expenses": "1.44", "Other Revenues": "-0.460", "Comprehensive Net Income": "-1.32", "Other Net Income": "-3.37", "Economic Capital Ratio": "-4.22"}, "2018": {"Other Liabilities": "6.85", "Liabilities": "3.71", "Stockholders Equity": "-3.51", "Liabilities and Borrowings": "-26.0", "Deposits": "-1.28", "Assets": "-7.74", "Assets and Securities": "-7.59", "Other Assets": "-5.49", "Loans and Leases Receivable": "4.67", "Goodwill": "-1.13", "Labor Expense": "-4.83", "Expenses": "-10.8", "Revenues": "1.84", "Net Income": "-3.27", "Occupancy": "-1.99", "Other Noninterest Expense": "-3.47", "Other Revenues": "1.84", "ECR before LimitedLiability": "-5.91", "Comprehensive Net Income": "-3.09", "Other Net Income": "3.43", "Economic Capital Ratio": "-5.99"}, "2019": {"Liabilities": "3.04", "Assets": "-7.15", "Stockholders Equity": "-3.94", "ECR before LimitedLiability": "-6.94", "Deposits": "-2.81", "Other Liabilities": "8.29", "Liabilities and Borrowings": "-25.7", "Loans and Leases Receivable": "3.40", "Other Assets": "-4.04", "Assets and Securities": "-8.31", "Other Noninterest Expense": "-3.42", "Expenses": "-9.83", "Revenues": "2.00", "Net Income": "-3.55", "Other Expenses": "1.31", "Occupancy": "-1.81", "Labor Expense": "-4.89", "Other Revenues": "2.00", "Comprehensive Net Income": "-3.84", "Other Net Income": "2.74", "Economic Capital Ratio": "-6.97"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/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%"}}, "2015": {"input_variables": {"Assets and Securities": "2,213", "Cash Deposits and Cash Equivalents": "26,338", "Deposits": "558,019", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "30,251", "Loans and Leases Receivable": "433,676", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "135,523", "Other Compr. Net Income": "-258", "Other Expenses": "19", "Other Liabilities": "-8,459", "Other Net Income": "2,681", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "28,148"}, "output_variables": {"Liabilities": "579,811", "Assets": "625,898", "Expenses": "19", "Revenues": "0", "Stockholders Equity": "46,087", "Net Income": "2,662", "Comprehensive Net Income": "2,404", "BaseVar": "608,223", "ECR before LimitedLiability": "7.3%", "Economic Capital Ratio": "7.8%"}}, "2017": {"input_variables": {"Assets and Securities": "3,307", "Cash Deposits and Cash Equivalents": "32,705", "Deposits": "582,544", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "34,583", "Loans and Leases Receivable": "506,812", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "97,761", "Other Compr. Net Income": "-40", "Other Expenses": "144", "Other Liabilities": "-1,400", "Other Net Income": "3,238", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "26,115"}, "output_variables": {"Liabilities": "615,727", "Assets": "666,700", "Expenses": "144", "Revenues": "0", "Stockholders Equity": "50,973", "Net Income": "3,094", "Comprehensive Net Income": "3,054", "BaseVar": "647,424", "ECR before LimitedLiability": "7.8%", "Economic Capital Ratio": "8.2%"}}, "2018": {"input_variables": {"Assets and Securities": "10,318", "Cash Deposits and Cash Equivalents": "28,173", "Deposits": "595,992", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "2,749", "Labor Expense": "14,203", "Liabilities and Borrowings": "431,694", "Loans and Leases Receivable": "541,760", "Long-term Debt": "0", "Occupancy": "5,156", "Other Assets": "77,696", "Other Compr. Net Income": "-423", "Other Expenses": "149", "Other Liabilities": "-396,794", "Other Net Income": "30,679", "Other Noninterest Expense": "8,386", "Other Revenues": "6,512", "Property, Plant and Equipment": "24,195"}, "output_variables": {"Liabilities": "630,892", "Assets": "682,142", "Expenses": "30,643", "Revenues": "6,512", "Stockholders Equity": "51,250", "Net Income": "6,548", "Comprehensive Net Income": "6,125", "BaseVar": "780,403", "ECR before LimitedLiability": "9.4%", "Economic Capital Ratio": "9.5%"}}, "2019": {"input_variables": {"Assets and Securities": "10,238", "Cash Deposits and Cash Equivalents": "50,147", "Deposits": "621,477", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "2,556", "Labor Expense": "14,107", "Liabilities and Borrowings": "450,695", "Loans and Leases Receivable": "557,176", "Long-term Debt": "0", "Occupancy": "4,585", "Other Assets": "66,570", "Other Compr. Net Income": "-640", "Other Expenses": "522", "Other Liabilities": "-420,401", "Other Net Income": "24,957", "Other Noninterest Expense": "7,870", "Other Revenues": "6,621", "Property, Plant and Equipment": "22,242"}, "output_variables": {"Liabilities": "651,771", "Assets": "706,373", "Expenses": "29,639", "Revenues": "6,621", "Stockholders Equity": "54,602", "Net Income": "1,939", "Comprehensive Net Income": "1,299", "BaseVar": "791,343", "ECR before LimitedLiability": "6.9%", "Economic Capital Ratio": "7.4%"}}}, "top_rated": false, "trend": -17.0, "value": 0.08291145788295161, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0001163389.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0001163389.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0001163389.svg"}, {"company_id": "0000726601", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000726601.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0000726601.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000726601.png", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000726601_256x256.png", "name": "Capital CITY BANK Group INC", "rank": 142, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0000726601.svg", "report_text": "The relative strengths and weaknesses of Capital CITY BANK 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 Capital CITY BANK Group INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 7.2% points.The greatest weakness of Capital CITY BANK Group INC is the variable Liabilities and Borrowings, reducing the Economic Capital Ratio by 16% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 7.2%, being 8.0% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000726601_2020_Capital_CITY_BANK_Group_INC.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "0.876", "Liabilities": "-2.97", "Stockholders Equity": "-0.799", "Other Liabilities": "8.67", "Liabilities and Borrowings": "-31.8", "Deposits": "-7.74", "Other Assets": "-9.25", "Assets": "1.61", "ECR before LimitedLiability": "-3.66", "Goodwill": "1.28", "Assets and Securities": "-1.63", "Loans and Leases Receivable": "3.08", "Cash Deposits and Cash Equivalents": "4.94", "Property, Plant and Equipment": "1.61", "Expenses": "1.61", "Revenues": "-0.560", "Net Income": "-1.77", "Other Expenses": "1.54", "Other Revenues": "-0.560", "Other Net Income": "-3.08", "Comprehensive Net Income": "-2.00", "Economic Capital Ratio": "-3.91"}, "2013": {"Long-term Debt": "0.884", "Liabilities": "-1.54", "Stockholders Equity": "0.417", "ECR before LimitedLiability": "2.29", "Liabilities and Borrowings": "-33.0", "Other Liabilities": "12.6", "Deposits": "-9.59", "Goodwill": "1.59", "Assets": "1.67", "Loans and Leases Receivable": "-2.33", "Cash Deposits and Cash Equivalents": "10.3", "Assets and Securities": "7.83", "Other Assets": "-17.5", "Property, Plant and Equipment": "1.76", "Expenses": "1.50", "Net Income": "-2.43", "Other Expenses": "1.08", "Other Net Income": "-3.80", "Other Compr. Net Income": "4.31", "Comprehensive Net Income": "2.10", "Economic Capital Ratio": "2.14"}, "2014": {"Deposits": "-7.69", "Liabilities": "-1.71", "ECR before LimitedLiability": "-4.74", "Other Liabilities": "8.21", "Liabilities and Borrowings": "-33.4", "Long-term Debt": "0.990", "Cash Deposits and Cash Equivalents": "5.99", "Assets": "1.25", "Comprehensive Net Income": "-4.27", "Other Assets": "-3.76", "Property, Plant and Equipment": "1.46", "Assets and Securities": "-1.71", "Goodwill": "1.28", "Loans and Leases Receivable": "-3.53", "Expenses": "1.35", "Net Income": "-1.84", "Other Expenses": "0.961", "Labor Expense": "0.267", "Other Compr. Net Income": "-2.27", "Other Net Income": "-3.20", "Economic Capital Ratio": "-4.77"}, "2015": {"Deposits": "-9.24", "Liabilities": "-2.15", "Stockholders Equity": "-0.302", "ECR before LimitedLiability": "-2.49", "Long-term Debt": "1.000", "Other Liabilities": "9.25", "Liabilities and Borrowings": "-28.6", "Loans and Leases Receivable": "-5.18", "Assets": "1.46", "Assets and Securities": "9.00", "Property, Plant and Equipment": "1.38", "Cash Deposits and Cash Equivalents": "5.76", "Goodwill": "1.27", "Other Assets": "-16.4", "Expenses": "1.16", "Revenues": "-0.292", "Net Income": "-2.04", "Other Expenses": "0.733", "Other Revenues": "-0.292", "Comprehensive Net Income": "-1.86", "Other Net Income": "-3.03", "Economic Capital Ratio": "-2.53"}, "2016": {"Liabilities and Borrowings": "-29.8", "Liabilities": "-2.31", "Stockholders Equity": "-0.523", "ECR before LimitedLiability": "-2.70", "Deposits": "-10.3", "Other Liabilities": "9.06", "Long-term Debt": "0.725", "Assets and Securities": "8.93", "Assets": "1.39", "Property, Plant and Equipment": "1.26", "Other Assets": "-14.8", "Goodwill": "1.08", "Loans and Leases Receivable": "-5.12", "Cash Deposits and Cash Equivalents": "3.71", "Other Expenses": "0.725", "Expenses": "1.32", "Revenues": "-0.455", "Net Income": "-1.89", "Other Revenues": "-0.455", "Comprehensive Net Income": "-1.82", "Other Net Income": "-2.90", "Economic Capital Ratio": "-2.74"}, "2017": {"Other Liabilities": "9.48", "Liabilities": "-2.22", "Stockholders Equity": "-0.751", "ECR before LimitedLiability": "-2.87", "Liabilities and Borrowings": "-27.7", "Long-term Debt": "0.680", "Deposits": "-9.30", "Loans and Leases Receivable": "-4.92", "Assets": "1.14", "Cash Deposits and Cash Equivalents": "3.59", "Assets and Securities": "9.26", "Other Assets": "-14.4", "Property, Plant and Equipment": "1.16", "Goodwill": "0.934", "Expenses": "1.07", "Net Income": "-1.77", "Other Revenues": "-0.504", "Revenues": "-0.504", "Comprehensive Net Income": "-1.77", "Other Net Income": "-2.42", "Economic Capital Ratio": "-2.92"}, "2018": {"Other Liabilities": "6.95", "Liabilities": "2.75", "Stockholders Equity": "-1.21", "Liabilities and Borrowings": "-19.3", "Deposits": "-2.80", "Property, Plant and Equipment": "0.814", "Assets": "-4.46", "Assets and Securities": "5.69", "Other Assets": "-12.5", "Loans and Leases Receivable": "-5.28", "Cash Deposits and Cash Equivalents": "2.46", "Labor Expense": "-5.33", "Expenses": "-8.89", "Net Income": "-6.01", "Other Net Income": "2.56", "Occupancy": "-1.61", "Other Noninterest Expense": "-2.75", "Other Expenses": "0.857", "ECR before LimitedLiability": "-5.81", "Comprehensive Net Income": "-5.08", "Economic Capital Ratio": "-5.89"}, "2019": {"Liabilities": "2.60", "Stockholders Equity": "-1.30", "Deposits": "-3.11", "Other Liabilities": "7.19", "Liabilities and Borrowings": "-15.8", "Loans and Leases Receivable": "-7.78", "Assets": "-4.38", "Other Assets": "-9.86", "Property, Plant and Equipment": "0.759", "Cash Deposits and Cash Equivalents": "4.13", "Assets and Securities": "5.10", "Other Noninterest Expense": "-2.58", "Expenses": "-9.23", "Revenues": "-0.729", "Net Income": "-6.32", "Occupancy": "-1.56", "Labor Expense": "-5.38", "Other Revenues": "-0.729", "ECR before LimitedLiability": "-8.02", "Comprehensive Net Income": "-7.20", "Other Net Income": "2.65", "Economic Capital Ratio": "-8.05"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0000726601_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "92,126", "Cash Deposits and Cash Equivalents": "385,314", "Deposits": "2,172,519", "Fees": "0", "Goodwill": "84,811", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,620,188", "Loans and Leases Receivable": "1,597,648", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "370,422", "Other Compr. Net Income": "0", "Other Expenses": "629", "Other Liabilities": "-1,403,337", "Other Net Income": "5,526", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "110,991"}, "output_variables": {"Liabilities": "2,389,370", "Assets": "2,641,312", "Expenses": "629", "Revenues": "0", "Stockholders Equity": "251,942", "Net Income": "4,897", "Comprehensive Net Income": "4,897", "BaseVar": "2,526,512", "ECR before LimitedLiability": "8.4%", "Economic Capital Ratio": "8.7%"}}, "2013": {"input_variables": {"Assets and Securities": "469,102", "Cash Deposits and Cash Equivalents": "529,928", "Deposits": "2,136,248", "Fees": "0", "Goodwill": "84,811", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,541,789", "Loans and Leases Receivable": "1,365,509", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "59,168", "Other Compr. Net Income": "21,019", "Other Expenses": "1,925", "Other Liabilities": "-1,342,534", "Other Net Income": "7,970", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "103,385"}, "output_variables": {"Liabilities": "2,335,503", "Assets": "2,611,903", "Expenses": "1,925", "Revenues": "0", "Stockholders Equity": "276,400", "Net Income": "6,045", "Comprehensive Net Income": "27,064", "BaseVar": "2,529,812", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "13%"}}, "2014": {"input_variables": {"Assets and Securities": "90,071", "Cash Deposits and Cash Equivalents": "385,056", "Deposits": "2,146,794", "Fees": "0", "Goodwill": "84,811", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,552,105", "Loans and Leases Receivable": "1,413,835", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "551,497", "Other Compr. Net Income": "-12,969", "Other Expenses": "1,654", "Other Liabilities": "-1,344,270", "Other Net Income": "10,914", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "101,899"}, "output_variables": {"Liabilities": "2,354,629", "Assets": "2,627,169", "Expenses": "1,654", "Revenues": "0", "Stockholders Equity": "272,540", "Net Income": "9,260", "Comprehensive Net Income": "-3,709", "BaseVar": "2,537,249", "ECR before LimitedLiability": "7.9%", "Economic Capital Ratio": "8.2%"}}, "2015": {"input_variables": {"Assets and Securities": "726,081", "Cash Deposits and Cash Equivalents": "378,905", "Deposits": "2,302,849", "Fees": "0", "Goodwill": "84,811", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,613,015", "Loans and Leases Receivable": "1,478,322", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "30,922", "Other Compr. Net Income": "-6,709", "Other Expenses": "3,467", "Other Liabilities": "-1,392,356", "Other Net Income": "14,896", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "98,819"}, "output_variables": {"Liabilities": "2,523,508", "Assets": "2,797,860", "Expenses": "3,467", "Revenues": "0", "Stockholders Equity": "274,352", "Net Income": "11,429", "Comprehensive Net Income": "4,720", "BaseVar": "2,706,190", "ECR before LimitedLiability": "8.6%", "Economic Capital Ratio": "8.8%"}}, "2016": {"input_variables": {"Assets and Securities": "799,481", "Cash Deposits and Cash Equivalents": "296,047", "Deposits": "2,412,286", "Fees": "0", "Goodwill": "84,811", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,698,330", "Loans and Leases Receivable": "1,547,858", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "21,524", "Other Compr. Net Income": "-2,503", "Other Expenses": "6,423", "Other Liabilities": "-1,540,587", "Other Net Income": "21,428", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "95,476"}, "output_variables": {"Liabilities": "2,570,029", "Assets": "2,845,197", "Expenses": "6,423", "Revenues": "0", "Stockholders Equity": "275,168", "Net Income": "15,006", "Comprehensive Net Income": "12,502", "BaseVar": "2,762,705", "ECR before LimitedLiability": "9.5%", "Economic Capital Ratio": "9.6%"}}, "2017": {"input_variables": {"Assets and Securities": "787,900", "Cash Deposits and Cash Equivalents": "285,442", "Deposits": "2,469,877", "Fees": "0", "Goodwill": "84,811", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "1,665,667", "Loans and Leases Receivable": "1,640,185", "Long-term Debt": "0", "Occupancy": "0", "Other Assets": "8,758", "Other Compr. Net Income": "-1,944", "Other Expenses": "41,783", "Other Liabilities": "-1,520,960", "Other Net Income": "33,549", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "91,698"}, "output_variables": {"Liabilities": "2,614,584", "Assets": "2,898,794", "Expenses": "41,783", "Revenues": "0", "Stockholders Equity": "284,210", "Net Income": "-8,234", "Comprehensive Net Income": "-10,178", "BaseVar": "2,896,944", "ECR before LimitedLiability": "6.6%", "Economic Capital Ratio": "7.2%"}}, "2018": {"input_variables": {"Assets and Securities": "742,069", "Cash Deposits and Cash Equivalents": "276,000", "Deposits": "2,531,856", "Fees": "0", "Goodwill": "84,811", "IT and Equipment Expense": "0", "Labor Expense": "63,921", "Liabilities and Borrowings": "1,633,742", "Loans and Leases Receivable": "1,760,015", "Long-term Debt": "0", "Occupancy": "18,503", "Other Assets": "9,098", "Other Compr. Net Income": "1,679", "Other Expenses": "9,846", "Other Liabilities": "-1,509,002", "Other Net Income": "461,063", "Other Noninterest Expense": "29,521", "Other Revenues": "0", "Property, Plant and Equipment": "87,190"}, "output_variables": {"Liabilities": "2,656,596", "Assets": "2,959,183", "Expenses": "121,791", "Revenues": "0", "Stockholders Equity": "302,587", "Net Income": "339,272", "Comprehensive Net Income": "340,951", "BaseVar": "3,868,818", "ECR before LimitedLiability": "52%", "Economic Capital Ratio": "52%"}}, "2019": {"input_variables": {"Assets and Securities": "708,690", "Cash Deposits and Cash Equivalents": "378,423", "Deposits": "2,645,454", "Fees": "0", "Goodwill": "84,811", "IT and Equipment Expense": "0", "Labor Expense": "66,448", "Liabilities and Borrowings": "1,651,433", "Loans and Leases Receivable": "1,822,024", "Long-term Debt": "0", "Occupancy": "18,436", "Other Assets": "10,462", "Other Compr. Net Income": "1,796", "Other Expenses": "5,563", "Other Liabilities": "-1,534,950", "Other Net Income": "110,308", "Other Noninterest Expense": "28,325", "Other Revenues": "0", "Property, Plant and Equipment": "84,543"}, "output_variables": {"Liabilities": "2,761,937", "Assets": "3,088,953", "Expenses": "118,773", "Revenues": "0", "Stockholders Equity": "327,016", "Net Income": "-8,465", "Comprehensive Net Income": "-6,669", "BaseVar": "3,344,486", "ECR before LimitedLiability": "7.8%", "Economic Capital Ratio": "8.1%"}}}, "top_rated": false, "trend": -19.0, "value": 0.07211728606467949, "company_index": "https://www.realrate-archive.com/us_state_banks/2019/industry_indexes/0000726601.svg", "analysing_equity": "https://www.realrate-archive.com/us_state_banks/2019/analytics/equity/0000726601.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_state_banks/2019/analytics/profit_loss/0000726601.svg"}, {"company_id": "0000898171", "feature_distribution_plot": "https://www.realrate-archive.com/us_state_banks/2019/feature_distribution/feature_distribution_0000898171.svg", "graph_url": "https://www.realrate-archive.com/us_state_banks/2019/graphs/IME_0000898171.svg", "logo_url": "https://www.realrate-archive.com/us_state_banks/logos/0000898171.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_state_banks/logos/0000898171_256x256.png", "name": "Uwharrie Capital CORP", "rank": 143, "regression_plot": "https://www.realrate-archive.com/us_state_banks/2019/backtesting_correlation/regression_0000898171.svg", "report_text": "The relative strengths and weaknesses of Uwharrie Capital CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Uwharrie Capital CORP compared to the market average is the variable Liabilities and Borrowings, increasing the Economic Capital Ratio by 7.1% points.The greatest weakness of Uwharrie Capital CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 23% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 7.1%, being 8.1% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_state_banks/2019/report/0000898171_2020_Uwharrie_Capital_CORP.pdf", "shrinked_graph_json": {"2011": {"Long-term Debt": "-2.92", "Liabilities": "-2.92", "Stockholders Equity": "-1.58", "ECR before LimitedLiability": "-3.19", "Other Liabilities": "-20.9", "Liabilities and Borrowings": "9.12", "Deposits": "-6.64", "Other Assets": "-4.37", "Assets": "0.949", "Goodwill": "-0.714", "Assets and Securities": "-2.93", "Loans and Leases Receivable": "6.96", "Property, Plant and Equipment": "0.803", "Expenses": "1.65", "Net Income": "-1.88", "Other Expenses": "1.57", "Other Revenues": "-0.580", "Revenues": "-0.580", "Other Net Income": "-3.16", "Comprehensive Net Income": "-0.841", "Other Compr. Net Income": "0.951", "Economic Capital Ratio": "-3.44"}, "2013": {"Long-term Debt": "-0.675", "Liabilities": "-2.45", "Stockholders Equity": "-1.16", "Liabilities and Borrowings": "6.30", "Other Liabilities": "-11.3", "Deposits": "-13.5", "Goodwill": "-0.605", "Assets": "0.911", "Loans and Leases Receivable": "1.39", "Cash Deposits and Cash Equivalents": "4.41", "Assets and Securities": "-2.36", "Other Assets": "-3.99", "Property, Plant and Equipment": "0.571", "Expenses": "1.04", "Net Income": "-2.01", "Other Expenses": "0.759", "ECR before LimitedLiability": "-3.99", "Other Net Income": "-3.24", "Other Compr. Net Income": "-0.235", "Comprehensive Net Income": "-2.29", "Economic Capital Ratio": "-4.14"}, "2014": {"Deposits": "-13.4", "Liabilities": "-3.14", "Stockholders Equity": "-1.70", "Other Liabilities": "-12.7", "Liabilities and Borrowings": "8.31", "Long-term Debt": "-0.278", "Cash Deposits and Cash Equivalents": "3.26", "Assets": "0.989", "ECR before LimitedLiability": "-4.59", "Other Assets": "-14.7", "Property, Plant and Equipment": "0.856", "Assets and Securities": "7.78", "Goodwill": "-0.761", "Expenses": "1.19", "Net Income": "-1.95", "Other Expenses": "0.784", "Labor Expense": "0.269", "Other Compr. Net Income": "-0.362", "Comprehensive Net Income": "-2.35", "Other Net Income": "-3.09", "Economic Capital Ratio": "-4.62"}, "2015": {"Deposits": "-13.3", "Liabilities": "-2.36", "Stockholders Equity": "-1.51", "Long-term Debt": "-0.295", "Other Liabilities": "-14.3", "Liabilities and Borrowings": "7.62", "Loans and Leases Receivable": "-0.807", "Assets": "0.574", "ECR before LimitedLiability": "-4.12", "Assets and Securities": "6.09", "Property, Plant and Equipment": "0.762", "Cash Deposits and Cash Equivalents": "5.37", "Goodwill": "-0.714", "Other Assets": "-13.4", "Expenses": "1.04", "Net Income": "-1.71", "Other Expenses": "0.670", "Other Compr. Net Income": "-0.407", "Comprehensive Net Income": "-2.17", "Other Net Income": "-2.68", "Economic Capital Ratio": "-4.16"}, "2016": {"Liabilities and Borrowings": "7.27", "Liabilities": "-2.68", "Stockholders Equity": "-1.70", "Deposits": "-12.7", "Other Liabilities": "-15.6", "Long-term Debt": "-0.498", "Assets and Securities": "6.35", "Assets": "0.635", "Property, Plant and Equipment": "0.648", "Other Assets": "-11.4", "Goodwill": "-0.834", "Cash Deposits and Cash Equivalents": "2.25", "Other Expenses": "0.741", "Expenses": "1.24", "Net Income": "-1.73", "Other Revenues": "-0.395", "Revenues": "-0.395", "ECR before LimitedLiability": "-4.49", "Other Compr. Net Income": "-0.451", "Comprehensive Net Income": "-2.25", "Other Net Income": "-2.84", "Economic Capital Ratio": "-4.53"}, "2017": {"Other Liabilities": "-16.6", "Liabilities": "-3.26", "Stockholders Equity": "-2.17", "Liabilities and Borrowings": "7.56", "Long-term Debt": "-0.521", "Deposits": "-11.9", "Loans and Leases Receivable": "-1.49", "Assets": "0.673", "ECR before LimitedLiability": "-4.79", "Cash Deposits and Cash Equivalents": "4.73", "Assets and Securities": "5.82", "Other Assets": "-11.1", "Property, Plant and Equipment": "0.645", "Goodwill": "-0.982", "Expenses": "1.20", "Revenues": "-0.439", "Net Income": "-1.92", "Other Expenses": "0.582", "Other Revenues": "-0.439", "Comprehensive Net Income": "-2.02", "Other Net Income": "-2.91", "Economic Capital Ratio": "-4.84"}, "2018": {"Other Liabilities": "-20.2", "Liabilities": "2.70", "Stockholders Equity": "-3.27", "Liabilities and Borrowings": "5.73", "Deposits": "-3.63", "Property, Plant and Equipment": "0.415", "Assets": "-6.19", "Assets and Securities": "1.95", "Other Assets": "-9.54", "Loans and Leases Receivable": "-7.09", "Goodwill": "-0.993", "Cash Deposits and Cash Equivalents": "5.22", "Labor Expense": "-6.15", "Expenses": "-8.73", "Net Income": "-3.73", "Other Net Income": "3.54", "Other Noninterest Expense": "-0.449", "IT and Equipment Expense": "-0.441", "ECR before LimitedLiability": "-7.03", "Comprehensive Net Income": "-3.87", "Economic Capital Ratio": "-7.12"}, "2019": {"Liabilities": "2.27", "Stockholders Equity": "-3.83", "Deposits": "-4.11", "Other Liabilities": "-23.3", "Liabilities and Borrowings": "7.13", "Loans and Leases Receivable": "-12.1", "Assets": "-6.36", "Other Assets": "-7.20", "Goodwill": "-1.14", "Property, Plant and Equipment": "0.644", "Cash Deposits and Cash Equivalents": "6.95", "Assets and Securities": "0.955", "Expenses": "-9.15", "Revenues": "-0.572", "Net Income": "-4.57", "Labor Expense": "-6.91", "Other Revenues": "-0.572", "ECR before LimitedLiability": "-8.10", "Comprehensive Net Income": "-4.71", "Other Net Income": "3.77", "Economic Capital Ratio": "-8.13"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_state_banks/2019/plot_over_time/0000898171_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets and Securities": "9,327", "Cash Deposits and Cash Equivalents": "28,687", "Deposits": "431,338", "Fees": "0", "Goodwill": "987", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "3,636", "Loans and Leases Receivable": "359,860", "Long-term Debt": "25,233", "Occupancy": "0", "Other Assets": "112,965", "Other Compr. Net Income": "1,859", "Other Expenses": "196", "Other Liabilities": "21,092", "Other Net Income": "1,096", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "15,076"}, "output_variables": {"Liabilities": "481,299", "Assets": "526,902", "Expenses": "196", "Revenues": "0", "Stockholders Equity": "45,603", "Net Income": "900", "Comprehensive Net Income": "2,759", "BaseVar": "509,820", "ECR before LimitedLiability": "9.0%", "Economic Capital Ratio": "9.1%"}}, "2013": {"input_variables": {"Assets and Securities": "10,856", "Cash Deposits and Cash Equivalents": "72,394", "Deposits": "453,708", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,491", "Loans and Leases Receivable": "302,253", "Long-term Debt": "11,163", "Occupancy": "0", "Other Assets": "118,036", "Other Compr. Net Income": "-2,527", "Other Expenses": "342", "Other Liabilities": "5,733", "Other Net Income": "1,296", "Other Noninterest Expense": "0", "Other Revenues": "0", "Property, Plant and Equipment": "13,781"}, "output_variables": {"Liabilities": "475,095", "Assets": "517,320", "Expenses": "342", "Revenues": "0", "Stockholders Equity": "42,225", "Net Income": "954", "Comprehensive Net Income": "-1,573", "BaseVar": "503,767", "ECR before LimitedLiability": "5.4%", "Economic Capital Ratio": "6.3%"}}, "2014": {"input_variables": {"Assets and Securities": "121,793", "Cash Deposits and Cash Equivalents": "50,791", "Deposits": "456,435", "Fees": "0", "Goodwill": "0", "IT and Equipment Expense": "0", "Labor Expense": "0", "Liabilities and Borrowings": "4,783", "Loans and Leases Receivable": "307,115", "Long-term Debt": "9,558", "Occupancy": "0", "Other Assets": "23,907", "Other Compr. 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